01Customers and third parties
Do customers visit your location, or do you work at a client's site?
Clear information · Service in English
Your business changes.
Your business changes.
Your protection should keep up.
Understand your operation's risks and explore coverage options that may fit your business — with clear guidance and service in English.
01 Personal service
02 Service in English
03 Business-focused review
2e
Under review
Business assessmentExposure review
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DOES YOUR BUSINESS HAVE EXPOSURES?Let's review them together.
Every operation calls for different questions.
01 Customers and third partiesREVIEW
02 Professional servicesIDENTIFY
03 Employees and vehiclesUNDERSTAND
04 Current coverageCHECK
01 / UNDERSTAND
Commercial insurance is not a single policy.
It starts with a conversation about each business's actual risks: customers, services, employees, vehicles, and how the operation works.
WHERE TO START
Your business activity shows where to look.
Different businesses face different exposures. Before discussing policy names, it helps to understand how the business operates day to day.
“What could happen while you work — and who could be affected?”
01
02Professional services
Does the client rely on your advice, recommendation, or technical work?
03Employees
Does your operation include employees, physical tasks, or multiple job roles?
04Business vehicle use
Does anyone drive for services, deliveries, visits, or other business operations?
04 CORE COVERAGE LINES
Understand the role of each coverage.
The right combination depends on the activity, state, structure, and risk review. One coverage does not automatically replace another.
01
GENERAL LIABILITY
General Liability
May address certain third-party claims involving bodily injury, property damage, and some personal and advertising injury exposures arising from nonprofessional operations.
- Visitor slip-and-fall
- Damage to client property
- Completed operations
02
ERRORS & OMISSIONS
Professional Liability
Designed for liability arising from professional services and may address allegations of errors, omissions, negligence, or professional failure.
- Consulting
- Technology and specialized services
- Professional advice or technical work
03
EMPLOYEE PROTECTION
Workers' Compensation
Relates to work-related injuries or illnesses and may include medical expenses, a portion of lost wages, and other benefits provided by applicable law.
- Work performed by each class
- Payroll and classification
- States where employees work
04
BUSINESS VEHICLES
Commercial Auto
Designed for vehicles used in connection with business activities and may include third-party liability and protection for the vehicles themselves.
- Vans, pickups, trucks, or fleets
- Drivers and type of use
- Operating radius
IMPORTANT DISTINCTION
General Liability and Professional Liability are not interchangeable.
The same business may need both coverages because each addresses a different source of liability.
The risk starts with the operation.
- Focus
- Nonprofessional operations and general liability
- Typical exposure
- Bodily injury or property damage
- Example
- Client property is damaged during a service
The risk starts with the expertise.
- Focus
- Professional services
- Typical exposure
- Alleged error, omission, negligence, or failure
- Example
- Client alleges a loss caused by professional advice
THERE IS NOone-size-fits-all answer.
WHAT MAY FIT
Contractors, installation, and maintenance
Consulting and professional services
Businesses with employees or vehicles
Operations with multiple exposures
The analysis starts with your actual operation.
May prompt a review of General Liability, Commercial Auto, and Workers' Compensation.
May require attention to Professional Liability / E&O and General Liability.
Call for a discussion about occupational exposure and business use of vehicles.
May benefit from a broader review of the commercial insurance program.
These combinations are starting points for review, not automatic coverage recommendations.
A MORE PRODUCTIVE CONVERSATION
A few details help the specialist understand your business.
No form is required. If you would like to talk, have whatever you know about these points ready:
ANNUAL REVENUE
An estimate helps.
An estimate helps.
CURRENT COVERAGE
Policy and renewal date, if available.
Policy and renewal date, if available.
- 01Business activity and operations
What the business does, how long it has operated, and in which state.
- 02Revenue and structure
Approximate annual revenue, number of employees, and payroll, when applicable.
- 03Vehicles
Number, type, use, and drivers, when applicable.
- 04Current coverage
Existing coverage, renewal date, and reason for the conversation.
SERVICE IN ENGLISH
Get a business insurance quote
Share the basics. We will help organize the right questions.
HOW IT WORKS
Clarity before you decide.
This page informs. The conversation goes deeper. Technical recommendations remain with a licensed professional.
- 01
You describe your business
Activity, employees, vehicles, customers, and recent changes.
- 02
We identify the exposures
We organize the areas that deserve review.
- 03
A specialist reviews
They confirm eligibility, options, limits, exclusions, and conditions.
- 04
You decide with context
You understand what may fit before moving forward with a quote.
FREQUENTLY ASKED QUESTIONS
Business insurance, in plain language.
The answers below are educational. How they apply to a specific case depends on the business, the policy, and applicable rules.
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RESPONSIBLE GUIDANCEInformation first. Technical review next.
Is business insurance a single policy?
No. It is a group of coverage lines that may protect different business exposures. The combination depends on the operation and risk review.
Does every business need the same coverage?
No. Activity, state, revenue, employees, vehicles, contracts, and how services are delivered can change both needs and eligibility.
What is the difference between General Liability and E&O?
General Liability primarily addresses general liability and nonprofessional operations. E&O addresses allegations related to professional services. One does not automatically replace the other.
Is Workers' Compensation required for everyone?
A blanket rule should not be used. Requirements vary by state, activity, structure, and number of employees. A licensed professional can review the specific case.
Does personal auto insurance cover business use of a vehicle?
Regular business use of a vehicle may not fit properly under a personal policy. It is important to explain who drives, for what purpose, and in what territory.
Does this page guarantee that a situation will be covered?
No. Coverage depends on the terms, limits, exclusions, endorsements, and eligibility of the policy purchased. A specialist must review and explain those conditions.
Your business deserves a conversation grounded in reality.
Talk to 2Easy in English and understand which exposures should be reviewed.
No form. You choose when to start the conversation.