Business & Commercial Insurance

Commercial

E & S Insurance Group specializes in small to medium-sized businesses, so we understand the needs best and can provide the right coverage at an affordable price. Our extensive selection of classifications allows you to select the coverage you need to protect your business assets and have peace of mind. Our available coverages include general liability, excess and umbrella liability, property damage, business interruption, inland marine floaters, special events and liquor liability.

Property Owners

Whether you are a business owner, building owner, tenant or landlord, we have a wide variety of products specific to your insurance needs. Our unique ability to pair insurance with your coverage needs is paired with superior service as well as competitive pricing.

We offer coverage for the following types of properties: Dwellings, apartments, vacant buildings, partially vacant buildings, offices, mobile home parks and residential condominium owners.

Contractors

This category of insurance  includes coverages for various types of contractors or similar businesses, including general contractors, owners acting as general contractors, artisan/trade contractors, lawn care, janitorial, truckers, inland marine coverage, builders risk coverage and contractors equipment.

These products include coverage for multiple operations and were designed to accommodate the pricing needs for a wide variety of these types of businesses.




Mercantile

Our Main Street Mercantile product provides insurance options to more than 75 different types of business. Some of these include book stores, florists, art galleries, antique stores, card/gift shops, collectibles/memorabilia shops and more.

These mercantile-type businesses have a specific set of coverage needs for potential claims. Whether it is property damage from a fire or a customer falling on the premises, we understand the potential risks associated with.

Schools and Learning Centers

Many types of schools are popping up across the U.S., and these types of establishments are becoming more popular. We can provide coverage for more than 30 different types of schools, including music schools, tutoring centers, child cares, dance academies, theater/drama schools, cooking schools and wine tasting establishments.

When you want peace of mind so you can carry on with educating others.

Bars and Taverns

Our comprehensive product offers coverage for business owners selling a higher percentage of alcohol sales compared to food sales. We provide coverage to small corner bars but can also entertain risks with major entertainment, bouncers or security, drink specials and youthful clientele.

Assault or battery coverage is offered at full limits on most risks. We also have preferred pricing for owners who complete formal alcohol awareness training.

Restaurants

The restaurant industry has more than one million locations throughout the U.S. Our product covers fast food, fine dining, family restaurants, 24-hour diners and BYOB establishments.  

This industry adds new establishments and new jobs each year, which means more opportunity for you! We differentiate our policy with value-added resources, including human resources services, pre-employment and tenant screenings.

Retail Stores 

Our product targets a wide variety of stores that sell or distribute alcohol for off-premises consumption. We can consider liquor stores, convenience stores, delis and even gas stations. 

Special Events

Events connect people to organizational causes through venues, entertainment, food and drink. They are a major commitment of time, money, energy and public relations. Our Special Events policy will help your organization maintain integrity should a claim arise.

Our product is designed to provide coverage for short-term events. Events with up to 10,000 attendees and/or 10,000 consumers per day are eligible for most event types. Regardless of size, we want to make sure there is peace of mind.

Specified Professions  Errors and Omissions

We provide errors and omissions coverage for a variety of professions that provide services to their clients. Targeted classes include employment agencies, tax preparers, training specialists, interior designers and notaries.

Non-Profit Directors and Officers

We have been providing nonprofit organizations with this coverage for over 20 years. Our product gives organizations peace of mind so they can focus on what is most important: carrying out their mission.

Technology Errors and Omissions

Whether you design websites or software, perform infrastructure or back-up services or provide consulting or staffing, each product is designed to grow with your business.