Tailored business insurance from a team that understands what’s at stake. Get a bindable quote in minutes.
Get a quoteOur direct-to-business model eliminates broker overhead, passing real savings to you. Most customers save over $800 per year compared to traditional insurance.
Answer a few questions about your business and get a bindable quote instantly — no broker meetings, no waiting, no back-and-forth emails.
When something goes wrong, our dedicated claims team picks up the phone. 98% of customers rate their claims experience 4 stars or higher.
Broad protection against third-party bodily injury, property damage, and advertising claims.
Learn more →Covers errors, omissions, and negligence claims arising from professional services rendered.
Learn more →Defense against data breaches, ransomware attacks, and digital liability exposure.
Learn more →Wage replacement and medical coverage for employees injured or ill due to work.
Learn more →Bundled general liability and commercial property — comprehensive coverage at one price.
Learn more →Covers buildings, equipment, and inventory against damage, theft, fire, and loss.
Learn more →★★★★★
“Switching to Impact was the best business decision I made last year. Better coverage, lower premium, and the quote took less than five minutes.”
Owner - Construction Company
★★★★★
"The customer service at Impact is next-level; they jumped right in and ensured everything was covered that needed to be."
Owner - Boutique Owner
★★★★★
"Impact had so many options to choose from when it came to insurance and they easily outlined me options for me"
CEO & Founder - Motorcycle Company
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Answer a few quick questions about your industry, revenue, employee count, and the coverage you need.
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See side-by-side options from A-rated carriers in minutes, with plain-English explanations of what’s covered and what isn’t.
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Purchase online and receive your certificate of insurance the same day — ready for clients, landlords, and contracts.
FAQ
Commercial P&C insurance is a broad category of coverage that protects businesses from financial losses caused by property damage, liability claims, and other risks. Property coverage protects your physical assets (buildings, equipment, inventory), while casualty coverage protects your business if you're held responsible for injuries or damages to others.
Any business that owns or leases physical space, operates vehicles, employs people, or provides products and services to customers should carry commercial P&C insurance. Whether you're a small contractor, a retail shop, a restaurant, or a large manufacturer, the right coverage protects your livelihood.
Some coverages are legally required depending on your state and industry. Commercial auto insurance is required if your business owns vehicles, and workers' compensation is mandatory in most states if you have employees. Landlords and lenders may also require property insurance as a condition of your lease or loan.
We offer a full suite of commercial P&C coverages including Commercial Property, General Liability, Commercial Auto, Business Owner's Policy (BOP), Workers' Compensation, Umbrella/Excess Liability, Inland Marine, Professional Liability (E&O), and Cyber Liability.
General liability (GL) insurance covers your business if a customer, vendor, or other third party claims your business caused them bodily injury or property damage. For example, if a customer slips and falls in your store, GL covers their medical bills and any resulting legal costs. Most landlords and clients require businesses to carry GL coverage.
Standard policies generally exclude floods, earthquakes, and normal wear and tear. Flood and earthquake coverage can often be added as separate policies or endorsements. We'll help you identify any gaps specific to your business.
Getting a quote is simple. Contact us by phone, email, or through our website. We'll ask a few questions about your business — such as your industry, location, revenue, number of employees, and the types of coverage you need — and we'll shop the market to find you the best options.
Yes. As an independent agency, we work with a wide range of carriers. That means we can compare policies and pricing across the market to find coverage that fits your business — not just whatever a single company happens to offer.
In many cases, we can bind coverage within one to two business days for straightforward accounts. More complex risks may take a bit longer. If you have an urgent need (such as a certificate of insurance required before starting a job), let us know and we'll prioritize your request.
Your premium is based on a variety of factors, including your industry, the size and location of your business, your claims history, the types and limits of coverage selected, and the specific risks associated with your operations. We work to find you competitive pricing without sacrificing the protection you need.
Absolutely. Bundling coverages — such as through a Business Owner's Policy (BOP) — often results in lower premiums than purchasing each policy separately. We'll let you know when bundling makes sense for your situation.
Life happens — you may move locations, purchase new equipment, hire more employees, or take on a new contract. We make it easy to update your coverage whenever your business changes. Just reach out and we'll handle the endorsement quickly.
Contact us as soon as possible after an incident. We'll guide you through the claims process, help you communicate with the carrier, and advocate on your behalf to help ensure a fair and timely resolution.
As an independent agency, we work for you — not the insurance company. We provide personalized service, access to multiple carriers, expert guidance on coverage, and ongoing support throughout the life of your policy. We're your long-term partner in protecting your business.
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