Matthew works with a wide range of businesses including contractors, retail shops, restaurants, professional service firms, healthcare practices, real estate investors, and more. We work with multiple carriers to find the right fit for your industry.

A BOP bundles commercial property and general liability into one convenient policy, typically at a lower premium than purchasing them separately. It's ideal for small to mid-sized businesses and can be customized with additional endorsements.

In most states, yes. Workers' compensation requirements vary by state, industry, and number of employees. Luisa will review your state's requirements and ensure you're compliant while getting the best rate.

No — standard homeowner's insurance provides very limited coverage for business property and no liability coverage for business activities. If you run any business from home, you need at least a home business endorsement or separate commercial policy.

Cyber liability covers costs related to data breaches and cyberattacks — including notification costs, legal fees, regulatory fines, and data recovery. It's increasingly important for any business that stores customer data digitally.

Premiums vary widely based on industry, business size, revenue, claims history, and coverage limits. A small retailer might pay $500-$2,000/year for a basic BOP, while larger operations may pay more. Gladys will find the most competitive options.