Commercial Insurance

Commercial Insurance at HWI Insurance

At HWI Insurance, we understand that your business is more than just a source of income—it’s your passion, your investment, and your legacy. That’s why our commercial insurance solutions are designed to provide comprehensive protection for small to medium-sized businesses across a wide range of industries.

What We Offer

Our commercial insurance policies are tailored to address the unique risks and needs of your business. We take the time to get to know your operations, assets, and goals, ensuring you have the right coverage in place when you need it most. Our approach is proactive, hands-on, and always focused on your peace of mind.

Types of Commercial Insurance Coverage

We offer a variety of commercial insurance products, including but not limited to:

General Liability Insurance
This foundational coverage protects your business from claims involving bodily injury, property damage, and personal injury that can arise from your business operations, products, or services.

Commercial Property Insurance
Safeguard your physical assets—such as buildings, equipment, inventory, and furniture—against losses from fire, theft, vandalism, and certain natural disasters.

Business Owner’s Policy (BOP)
A BOP combines general liability and property insurance into one convenient package, often at a lower premium, making it ideal for small to medium businesses.

Workers’ Compensation Insurance
Protect your employees and your business by covering medical expenses and lost wages if an employee is injured on the job.

Commercial Auto Insurance
If your business owns or uses vehicles, this coverage protects against accidents, property damage, and liability claims involving company vehicles.

Professional Liability (Errors & Omissions) Insurance
For businesses that provide professional services or advice, this coverage protects against claims of negligence, mistakes, or failure to perform.

Cyber Liability Insurance
In today’s digital world, protect your business from data breaches, cyberattacks, and the associated costs of recovering from these incidents.

Umbrella & Excess Liability Insurance
Add an extra layer of protection above your standard liability policies, ensuring your business is covered even in the face of large or unexpected claims.

Our Process Why Trust HWI Get Started

When you choose HWI Insurance for your commercial coverage, you can expect a consultative and personalized experience. We start with a thorough risk assessment, reviewing your current policies and identifying any gaps in coverage. Our team will then recommend solutions tailored to your business’s size, industry, and specific exposures.

We also provide ongoing support as your business grows and changes. Whether you’re expanding, hiring new employees, or adding new services, we’ll make sure your insurance keeps pace with your needs.

Our clients appreciate our commitment to transparency, reliability, and personal service. We don’t just sell policies—we build relationships. You’ll have a dedicated agent who understands your business and is always available to answer questions, assist with claims, and provide expert advice.

Industries We Serve

We have experience working with a wide range of businesses, including:

Retail stores and restaurants
Professional offices (lawyers, accountants, consultants)
Contractors and construction companies
Manufacturers and wholesalers
Service providers (salons, repair shops, cleaning services)
Non-profit organizations

If your business doesn’t fit neatly into one of these categories, don’t worry—our team is ready to craft a solution that fits your unique needs.

Protect your business with confidence. Contact HWI Insurance today for a complimentary risk assessment and a customized commercial insurance quote. Let us help you safeguard your hard work and ensure your business’s continued success.