Business insurance that protects your people, property, and contracts.
From main street offices to contractors and trucking fleets, CECO Insurance helps businesses design commercial insurance programs that support growth—without unnecessary complexity.
Our Business Products
Explore core commercial coverages for businesses and request a quote when you're ready.
Business Owners Policy (BOP)
A Business Owners Policy (BOP) provides a cost-effective, all-in-one protection suite by bundling essential general liability and commercial property coverages into a single streamlined plan. In 2026, these modern policies often include vital additions like cyber risk protection and business interruption insurance, ensuring your small or mid-sized enterprise remains resilient against both physical and digital threats.
General Liability Insurance
General Liability Insurance serves as a fundamental shield for your business by covering costs related to third-party bodily injuries, property damage, and personal advertising injuries.
Liquor Liability Insurance
Liquor Liability Insurance protects businesses that sell, serve, or manufacture alcohol from “dram shop” claims and alcohol-related incidents that can trigger costly lawsuits and defense expenses.
Commercial Property Insurance
Commercial Property Insurance safeguards your company's physical assets—including buildings, equipment, and inventory—from costly threats like fire, theft, and severe weather. By securing this coverage, you ensure that a single disaster won't derail your operations, providing the vital financial stability needed to repair or replace your essential tools and workspace quickly.
Inland Marine Insurance
Inland Marine Insurance protects mobile property your business relies on—tools, equipment, materials, and goods in transit or at job sites—closing gaps that standard property coverage often excludes.
Commercial Auto Insurance
Commercial Auto Insurance provides specialized liability protection for vehicles used in your business operations, covering higher liability risks and specialized equipment that personal policies typically exclude. By securing this coverage, you safeguard your company from the devastating financial impact of road accidents, while ensuring your mobile assets remain fully protected during every mile of the workday.
Commercial Aviation Insurance
Commercial Aviation Insurance helps protect aircraft owners and operators from complex liability, hull repair costs, and operational exposures—built to match your aircraft, mission profile, and regulatory requirements.
Commercial Umbrella Insurance
Commercial Umbrella Insurance provides an essential extra layer of liability protection that activates once your primary business policies reach their payout limits. In today’s increasingly litigious environment, this cost-effective shield is vital for safeguarding your company’s total assets and future earnings against catastrophic claims or high-dollar lawsuits.
Workers Compensation Insurance
Workers' Compensation Insurance provides a vital safety net by covering medical costs and lost wages for employees injured on the job, while simultaneously protecting your business from expensive workplace liability lawsuits.
Trucking Insurance
Commercial Trucking Insurance provides a vital, all-in-one safety net by combining mandated liability with specialized cargo and physical damage protections into a single, high-performance plan.
Professional Liability (E&O)
Professional Liability Insurance, commonly known as Errors and Omissions (E&O), safeguards your 2026 business against claims of negligence, inaccurate advice, or misrepresented services.
Cyber Liability Insurance
Cyber Liability Insurance provides a critical defense for your business by covering the devastating costs of data breaches, ransomware attacks, and digital fraud. This essential coverage ensures your company can quickly recover from high-tech threats while protecting your reputation and managing the complex legal requirements of modern data privacy.
Crime Insurance
Crime Insurance helps protect your business from losses caused by theft, employee dishonesty, forgery, wire transfer fraud, and social engineering—closing gaps that standard property policies often exclude.
Directors & Officers (D&O)
Directors & Officers (D&O) insurance provides essential protection for the personal assets of your company’s leaders by covering legal costs and settlements arising from claims of wrongful management acts.
Employment Practices Liability (EPLI)
Employment Practices Liability Insurance (EPLI) provides essential defense for your business against employee-related claims such as wrongful termination, discrimination, or workplace harassment.
Why CECO Insurance for commercial clients
More than a renewal—an ongoing risk conversation.
Commercial insurance that grows with your organization.
Whether you're just hiring your first few employees or operating multiple locations across the US, we focus on building a program that can scale. As you expand into new services, add vehicles, or take on larger contracts, we help keep your coverage aligned.
- ✓ Annual reviews to adjust limits, coverages, and deductibles as you grow.
- ✓ Support when bidding on new work, signing leases, or acquiring another business.
- ✓ Coordination with your benefits and bond programs for a more complete risk picture.
We start with contracts and operations
We review leases, customer contracts, and lender requirements alongside your operations to identify where coverage and limits matter most.
Carrier relationships that work for you
We work with a range of regional and national commercial carriers, so we can match your risk profile with markets that understand your industry.
Aligned with your benefits strategy
Because CECO Insurance also manages health & benefits, we can coordinate conversations across workers comp, benefits, and HR to support your people strategy.
Coordination with payroll services
Because CECO Insurance is part of the CECO family, we can also coordinate with our sister company, CECO Payroll, for payroll services—so payroll, benefits, and workers comp stay aligned.
Beyond the basics
Bonds and personal coverage for owners and key leaders.
Contract & license bonds
Bid, performance, license & permit, and other surety bonds available for qualified contractors and businesses that need to keep projects moving.
Owner & executive personal coverage
We can coordinate personal home, auto, and umbrella policies for owners and key executives so their personal risk is aligned with the business.
Coordinated approach to risk
By understanding both your business and personal exposure, we can help identify gaps, overlaps, and opportunities to simplify coverage.
Ready to review your business insurance program?
Share some details about your operations, payroll, and current coverage, and CECO Insurance will prepare a focused review of your business insurance, bonds, and related risk considerations.