Coverage Types

Commercial Insurance

From general liability and workers' comp to commercial auto and surety bonds, Hardy Insurance Group builds business coverage that protects your operations, your team, and your bottom line.

General Liability

Protect your business from third-party injury and property damage claims.

Commercial Property

Protect your building, equipment, and inventory from covered losses.

Workers Compensation

Coverage for employee injuries, medical costs, and lost wages.

Business Owners Policy (BOP)

Protect your business with combined property and liability coverage.

Commercial Auto

Coverage for business vehicles and employees who drive for work.

Professional Liability (E&O)

E&O coverage protecting businesses from professional service claims.

Commercial Umbrella

Extra liability protection when primary coverage limits aren't enough.

Cyber Liability

Protection from data breaches, ransomware, and security failures.

Inland Marine

Protect tools and equipment wherever your work takes you.

Commercial Flood

Coverage for flood damage to your building, inventory, and equipment.

Hired & Non-Owned Auto

Covers liability when employees use personal or rental vehicles for work.

Business Interruption

Coverage for lost income when your business can't operate.

Directors & Officers

Protects your leadership team from personal liability for decisions.

Tenant Improvements

Protect your investment in customized leased business space.

Crime Insurance

Protect your business from employee theft, fraud, and financial loss.

Builder's Risk

Coverage for buildings in construction and major renovations.

Liquor Liability

Coverage for businesses that serve or sell alcoholic beverages.

Excess Liability

Additional coverage when claims exceed your primary policy limits.

Surety Bonds

Bond solutions for contractors and businesses in Versailles.