Commercial Insurance

We work with businesses across a variety of industries, with particular focus on manufacturing businesses, including machine shops, CNC operations and metal fabrication; restaurants and hospitality businesses; and real estate investors, landlords and rental property owners.

General liability primarily addresses certain claims involving bodily injury, property damage and other liability exposures arising from business operations. Commercial property insurance is designed to protect covered buildings, equipment, inventory and other business property against covered causes of loss.

Contact Pelican State Insurance Advisors to discuss your business and current insurance program. We'll gather the information needed to understand your operations and exposures before evaluating available coverage options.

Yes. Pelican State Insurance Advisors is an independent insurance agency with access to multiple insurance markets. This allows us to evaluate carrier options based on your business, coverage needs and the types of risks each insurance company is designed to insure.

Start by identifying what your business owns, what it does, who it employs and where its largest financial exposures exist. We review business operations, property, equipment, payroll, revenue, vehicles, contracts and existing insurance to help identify coverage needs and potential gaps.

Yes. You don't have to wait until you're ready to change insurance companies. We can review your current coverage, limits, deductibles and business information to help identify areas that may warrant additional discussion before your next renewal.

Commercial insurance premiums are influenced by several factors, including the type of business, location, property values, payroll, revenue, number of employees, vehicles, coverage limits, deductibles, claims history and specific business operations. Because every business has different exposures, reviewing accurate and up-to-date information is an important part of evaluating coverage and pricing.

The coverage a business needs depends on its operations, property, employees, vehicles, contracts and liability exposures. Common commercial coverages include general liability, commercial property, workers' compensation, commercial auto, business income and umbrella or excess liability. A coverage review can help determine which coverages and limits are appropriate for your business.

Businesses change throughout the year. Revenue, payroll, equipment, property values, employees, vehicles and operations may be different from when the policy was originally written. Reviewing these changes before renewal can help keep your insurance aligned with your current exposures.