Employer-reported nonfatal workplace injuries and illnesses in private industry during 2024.
Bureau of Labor Statistics sourceYou Built More Than a Business.Let's Protect What Keeps It Running.
Property. People. Vehicles. Advice. Income. Every business has moving parts—and the right protection begins with understanding how yours actually works.
Reported 2025 losses involving business email compromise—one reminder that digital risk is business risk.
FBI IC3 sourceThe SBA recommends reassessing coverage as operations, equipment, and liabilities change.
SBA sourceThe PJRC Approach
Start With the Business.
Not the Policy.
Before discussing coverage, we want to understand what you own, who works for you, where the work happens, how money and data move, what contracts require, and what could interrupt revenue.
Employees create responsibilities involving workplace injury, benefits, employment practices, training, and continuity.
Buildings, tenant improvements, inventory, equipment, signs, and property of others can each require different treatment.
The service you perform, advice you give, products you sell, and contracts you sign shape your liability.
Vehicles, personal-car errands, tools in transit, deliveries, and work away from your premises create mobile exposures.
Revenue, systems, suppliers, key people, and recovery time determine whether a setback becomes an interruption.
Interactive Education
Build My Business Protection Blueprint
Answer six simple questions. Your result identifies areas worth reviewing—it does not quote, bind, or determine coverage.
1. What best describes your business?
2. Where does the work happen?
3. Who helps perform the work?
4. What keeps the business moving?
5. Does your work include advice, design, treatment, recommendations, or specialized services?
6. What would be hardest to replace after a serious interruption?
Your Business Protection Blueprint
Based on the operating facts you selected, these areas are worth discussing:
- People & Workplace
- Benefits & Retention
- Liability & Professional Services
- Property & Mobility
- Data, Crime & Continuity
- Owner & Long-Term Planning
Educational result only. It is not a quote, coverage determination, legal opinion, or substitute for reviewing actual policy language.
Five Ways We Help Protect the Operation
Your Business Is Not One Risk.
Open each chapter for the technical details only when you want them.
01
Workers' Compensation
What happens when someone gets hurt doing the work?
Workers' compensation may provide statutory medical, wage-replacement, disability, rehabilitation, or death benefits for qualifying job-related injury or illness. Rules vary sharply by state and business structure.
Explore payroll, audits, classifications and options
- Class codes, payroll and loss history influence pricing.
- Final premium audits can reflect actual payroll and subcontractor exposure.
- Owner/officer inclusion, waiver of subrogation, other-states coverage and employers liability require policy-specific review.
02
Group & Employee Benefits
How do I offer benefits people value without building something I cannot sustain?
Build around the job each benefit performs: health access, income protection, family protection, recruitment, and retention.
Explore design and compliance questions
- Eligibility, employer contribution, participation and waiting periods.
- Enrollment, payroll deduction, termination and continuation administration.
- ACA/ALE, ERISA, COBRA, HIPAA, tax and controlled-group considerations where applicable.
03
General & Professional Liability
Was someone physically harmed—or did your work, advice, or decision cause the loss?
General liability commonly addresses specified third-party bodily injury, property damage, and personal or advertising injury. Professional liability focuses on allegations involving advice, services, designs, errors, or omissions.
Explore the distinctions
- Occurrence versus claims-made and retroactive-date considerations.
- Additional insured, primary/noncontributory and waiver language.
- Products-completed operations, contractual risk, cyber, employment, liquor, pollution and management exposures.
04
Commercial Property & Auto
What keeps the doors open—and what keeps the business moving?
Buildings, tenant improvements, inventory, tools, machinery, signs, vehicles, and property away from the premises do not all behave the same way in a policy.
Explore valuation, mobility and recovery
- Replacement cost, ACV, coinsurance, ordinance or law and causes of loss.
- Equipment breakdown, spoilage, flood, property in transit and employee dishonesty.
- Hired/non-owned auto, covered-auto symbols, physical damage and employee-owned vehicles.
05
Business Owners Policy
Can the major pieces be coordinated in one foundation?
A BOP commonly combines property, general liability and business-income elements for eligible operations. It is a foundation—not an automatic complete program.
What may sit inside, beside or outside the BOP?
- Some enhancements may be available by endorsement.
- Workers' compensation, commercial auto, professional liability, cyber, flood, umbrella and specialized protection may require separate treatment.
- Eligibility depends on business class, size, operations, property and carrier appetite.
The Coordinated Risk Picture
Protection Beyond the Five Headings
The individual coverages matter. The bigger question is how the exposures connect across the business.
People
Workers' compensation, employee benefits, employment practices and workplace safety.
Property & Movement
Buildings, contents, inland marine, equipment breakdown, commercial auto and cargo.
Liability
General, professional, products, cyber, management, liquor, pollution and umbrella.
Money & Crime
Employee dishonesty, forgery, computer fraud, funds-transfer fraud and social-engineering considerations.
Continuity
Business income, extra expense, dependent property, extended recovery and continuity planning.
The Owner
Key people, buy-sell funding, disability, succession, retirement and estate coordination.
Connected RiskYour
Business
Business
As a business becomes larger or more complex, these risks do not simply multiply. They begin to overlap.
Middle Market & Larger Commercial
Greater Scale Creates More Connections—not Less Need for Personal Attention.
Multiple locations, complex contracts, larger fleets, layered liability, executive risk, employee benefits, cyber exposure, and business continuity require a coordinated review across the organization.
Multi-location propertyFleet & mobile operationsLayered liabilityExecutive & management riskCyber & crimeEmployee benefitsContractual requirementsContinuity & succession
Request an Executive Risk ReviewMore Than You Realized
The Risks That Hide in Ordinary Workdays.
Signature Lesson
When the Business Cannot Open.
Repairing the property and recovering the business are related—but they are not the same problem.
1
Covered damage occurs
The policy trigger begins with the cause and wording.
2
Operations pause
Revenue may stop while certain expenses continue.
3
Repairs and temporary arrangements
Extra expense may help reduce downtime when policy terms are satisfied.
4
The doors reopen
The physical restoration may end before revenue fully returns.
5
Recovery continues
Extended business-income treatment depends on the actual policy.
The PJRC Connection
The Business and the Owner Cannot Always Be Planned Separately.
Your company may be your income, your largest asset, your family's security, and part of your eventual legacy.
LegalShield for Business
Insurance and Legal Access
Do Different Jobs.
Insurance may help address specified financial losses.
- Covered claims and damages
- Covered property loss
- Covered business interruption
- Covered employee injury or liability exposures
A legal plan may provide access to specified legal services.
- Consultation and research
- Document review
- Attorney letters or calls
- Collection letters
- Selected contract, employment, intellectual-property, or tax matters depending on the plan
One may help transfer covered financial risk. The other may help address covered legal matters. They can complement one another, but neither replaces the other.
Explore Small Business Legal SupportIndustry Lens
Your Risks Should
Look Like Your Business.
Common Questions
Plain Answers Before Policy Language.
Does an LLC mean I do not need business insurance?
No. An entity structure and insurance solve different problems. An LLC may create certain legal separation, but it does not pay covered losses or eliminate every owner exposure.
Will homeowners insurance cover my home business?
Personal policies may provide limited or no protection for many business-property, customer, professional, or income exposures. The actual policy and operation must be reviewed.
What is the difference between general and professional liability?
General liability commonly addresses specified third-party bodily injury, property damage, and personal or advertising injury. Professional liability focuses on allegations that advice, services, design, errors, or omissions caused financial harm.
Is a BOP everything my business needs?
Not automatically. A BOP can be an efficient foundation, while workers' compensation, commercial auto, professional liability, cyber, flood, umbrella, or specialized coverages may sit beside it.
Does a certificate of insurance change my policy?
No. A certificate is evidence of information at a point in time; it does not itself amend, extend, or create coverage. Policy forms and endorsements control.
How often should I review my commercial program?
At least annually and whenever operations materially change—such as hiring, new vehicles, contracts, locations, services, equipment, data, ownership, or expansion into another state.
White-Glove Commercial Review
Let's Look at the Whole Business.
A personal conversation is the first step toward an organized business coverage review.
Start with the existing PJRC contact form. Choose Business Insurance and tell us the coverage area you would like to discuss.
Talk With PJRC About My Business