BUSINESS INSURANCE
At Kelly Insurance Group, we specialize in protecting what you’ve built—whether you operate a traditional storefront, manage a complex construction operation, or launch cutting-edge logistics and cyber ventures. As an independent insurance agency, we tailor policies that fit both basic business needs and highly specialized industries, including Entertainment, Equipment Installers, Events, Retailers, & more.
ARTS & ENTERTAINMENT
CONTRACTORS & TRADES
OTHER LINES & COVERAGE
What Is Business Insurance?
Business insurance is a broad term covering the suite of policies that protect your company from financial loss due to accidents, property damage, lawsuits, cyberattacks, and more. Whether you’re a sole proprietor or managing a national brand, the right coverage can be the difference between recovering quickly or closing your doors.
Unique Industries Deserve Unique Protection
Kelly Insurance Group goes beyond ordinary coverage. We insure:
HVAC businesses and mechanical contractors
Flooring installers, electricians, plumbers, and other tradespeople
Construction firms and developers (ask about contractors risk insurance and contractors all risk insurance cost estimates)
Startups and online businesses needing cyber crime insurance
Logistics and transportation companies with complex supply chain exposure
Even niche and high-risk ventures other agencies shy away from
What Does Business Insurance Cover?
Common types of business insurance include:
Commercial General Liability Insurance – Protects against lawsuits, injury claims, and property damage.
Commercial Property Insurance – Covers buildings, equipment, and inventory.
Business Owners Policy (BOP) – Bundles liability and property coverage.
Commercial Auto Insurance – For company-owned vehicles; ask us for a commercial vehicle insurance company list tailored to your industry.
Cyber Crime & Data Breach Insurance – Including coverage options from Hiscox Cyber and others.
Inland Marine Insurance – For tools, mobile equipment, and materials in transit.
Contractors All Risk Insurance – Covers worksite damage and loss during construction.
Installation Floater Insurance – Specialized coverage for materials waiting to be installed.
Machinery Breakdown Insurance – Protects essential equipment from mechanical failure.
Frequently Asked Questions
What is the best insurance for a small business?
There’s no one-size-fits-all answer. A Business Owners Policy (BOP) that includes general liability and property insurance is often ideal. Add cyber, auto, or workers’ compensation based on your needs.
Do you need business insurance for an LLC?
Yes. Even a single-member LLC can be sued or face loss. Small business liability insurance coverage is essential for protecting personal and business assets.
Can I start a business without insurance?
Legally, yes in some states. But practically, no. Without corporate insurance policies, one lawsuit, fire, or accident can wipe you out.
How much does insurance cost for a startup business?
Most startups pay between $500–$2,500 per year, depending on risk, location, and size. A $2 million dollar policy can cost as little as $1,200 annually, while a $5 million dollar insurance policy may range from $3,000–$7,500+.
How do I get insurance for my business?
Call Kelly Insurance Group for a quick consultation, or request a quote online. We’ll assess your risk profile and customize options—from Hartford small business insurance to specialty markets for hard-to-place coverage.
Why Choose Kelly Insurance?
Independent – We work with the nation’s top building insurance companies, cyber insurance providers, and inland marine insurance companies.
Experienced – We understand both traditional and non-traditional risk.
Customized Coverage – From supermarket chains to freelance contractors, we write policies that fit.
Responsive – Our team walks you through every step, from quoting to claims.
Get a Quote Today
Whether you need basic small business coverage or a bespoke commercial insurance portfolio, Kelly Insurance Group can help. Contact us now to protect your business, your people, and your future.
