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Business Insurance

Peace of Mind for the Visionary

Capitol provides peace of mind no matter your needs.
Business

Aircraft

This policy is designed for individually owned aircraft, used for pleasure, business or industrial aid.

Who needs this?

  • Individuals or businesses who own or lease aircraft of any kind.
Business

Auto

Commercial auto insurance provides protection for any vehicle designated for your organization’s use against both property damage and liability.

Who needs this?

  • Carpenters, painters, and other contractors
  • Landscapers and plow services
  • Caterers, real estate, sales, etc.
Business

Builders Risk

Builders Risk policies provide protection for losses associated with ongoing construction projects. It can cover new construction and renovations as well as the material used in the construction.

Who needs this?

  • Property owners managing a building project
  • Builders, contractors, & community developers
  • House flippers
Business

Business Owners Policy

A business owner’s policy (BOP) is a combination policy that combines the coverages offered in both business liability coverage and commercial property insurance.

Who needs this?

  • Small business owners
Business

Cyber Deception & Liability

Cyber policies cover the risks and exposures that are caused by operating in a digital world. They have a diversity of coverages and are regularly updated. Our cyber experts can help you navigate them.

Who needs this?

  • Essential coverage for any business.
Business

Directors & Officers Liability

Directors & Officers is a type of liability insurance covering officers, board members, and employees for claims made against them while carrying out their duties.

Who needs this?

  • Non-profit boards
  • Community Associations such as a Homeowners Association or Board
  • For-profit companies with a board of directors
Business

Employment Practice Liability (EPLI)

Designed to protect employers from employee lawsuits alleging poor employment practices.

Who needs this?

  • Essential for every business.
Business

Equipment Floater

Transporting equipment can result in damage not covered by your property or auto policies. Equipment Floater insurance fills that gap.

Who needs this?

  • Any organization that moves equipment from place to place.
Business

ERISA Bonds

An ERISA fidelity bond is a type of insurance that protects the plan against losses caused by acts of fraud or dishonesty.  Almost all retirement fund are require do be bonded.

Who needs this?

  • Every person who “handles funds or other property” of an employee benefit plan
Business

Fiduciary Liability

Fiduciary liability insurance is targeted at protecting businesses’ and employers’ assets against fiduciary-related claims of mismanagement of a company’s employee benefit plans.

Who needs this?

  • Employee benefit plan managers
Business

Foreign Liability

Foreign General Liability coverage is the first line of defense against legal actions arising from operations outside the U.S. But it can also cover much more.

Who needs this?

  • Any business that operates outside the US.
Business

Garage Policies

A Garage Policy is a special commercial auto policy designed to address the needs of auto dealers and services.

Who needs this?

  • Vehicle and trailer dealers
  • Auto & equipment dealers
  • Auto service & body shops
Business

General Liability

Protects your business from financial loss should you be liable for property damage, bodily injury, or personal and advertising injury caused by your operations or your employees.

Who needs this?

  • Essential coverage for all businesses.
Business

Inland & Ocean Marine

Marine insurance provides coverage for property that is not and cannot be permanently affixed to a single location.

Who needs this?

  • Any organization that takes property off premises
  • Companies that ship goods
  • Contractors moving equipment between jobsites

 

Business

Key Person Life

Key person insurance offers a financial cushion if the sudden loss of a certain individual would profoundly negatively affect the company’s operations.

Who needs this?

  • Businesses (especially family-owned businesses)
  • Business going through a merger and acquisitions.
  • Organization attempting get a load or raise money from investors
Business

Property

Commercial property insurance typically covers your business building or office, equipment, tools, inventory, supplies, computers, business furniture, valuable papers and business records.

Who needs this?

  • Owners and mortgagees
  • Landlords and tenants
Business

Surety Bonds

Surety bonds are legally binding contracts that ensure obligations will be met between parties.

Who needs this?

  • Contractors working on government projects
  • Contractors complying with requests from government entities

 

Business

Umbrella

Provides higher limits of liability insurance for when the cost of a lawsuit exceeds the limit of your primary policies.

Who needs this?

  • All organizations should consider an Umbrella policy.
Business

Workers Compensation

Workers Compensation is required by law whenever there are employees present. You may need it even if you are a sole proprietor.

Who needs this?

  • Business owners
  • State laws dictate who is required to purchase
  • Some sole proprietors