Business/Commercial Insurance
Protecting Your Business, Every Step of the Way—Get Instant Insurance Quotes Tailored to Your Needs!
Running a small business comes with big responsibilities. From safeguarding your operations with General Liability Insurance to protecting your employees with Workers’ Compensation, we understand the unique risks you face. That’s why we have partnered with carriers to offer comprehensive insurance solutions—from Business Owner’s Policies to Professional Liability—designed to protect what you’ve worked so hard to build. Explore our hassle-free quote process today, and secure the coverage your business deserves in minutes at reasonable rates.
Through our partners we offer a comprehensive range of insurance solutions tailored to protect your small business, over a wide range of industries. Whether you’re in construction, consulting, retail, restaurant owner, real estate agent, contractor or another sector, our extensive coverage options are designed to safeguard every aspect of your operations.
We’ve Got You Covered
Types of Insurance:
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- Business Insurance
- General Liability
- Workers’ Compensation
- Commercial Property
- Business Personal Property
- Commercial Auto
- Professional Liability
- Errors and Omissions
- Tools & Equipment
- Business Owner’s Policy
- Product Liability
- Employment Practices Liability
- LLC Business Insurance
- Liquor Liability
- Restaurant Insurance
- Hospitality Insurance
- Occupational Accident
- Amateur Sports
- Community Management Associations
- HOA insurance
- Non-profit Insurance
Who We Insure:
- Architects & Engineers
- Auto Services
- Beauty
- Cleaning
- Construction
- Consulting
- Contractors
- Education
- Entertainment
- Fitness
- Financial Services
- Food Services
- Real Estate
- Retail
- Therapy
- Property Manager
- And More..
Top Professions:
- Carpenter Insurance
- Daycare Insurance
- Debris Removal Insurance
- General Contractor Insurance
- Handyman Insurance
- HVAC Insurance
- Landscaping Insurance
- Painters Insurance
- Personal Trainer Insurance
- Roofing Insurance
- Auto Repair Shop Insurance
- Yoga Teacher Insurance
- Retail Store Insurance
Most Popular:
- Accountant Insurance
- Amazon Sellers Insurance
- Architect Insurance
- Catering Insurance
- Ecommerce Insurance
- Engineer Insurance
- Massage Insurance
- Photographer Insurance
- Real Estate Agent Insurance
- Restaurant Insurance
Additional Insureds & Certificates of Insurance
Enjoy 24/7 access to add an additional insured and obtain a certificate of insurance, giving you the flexibility and control to manage your coverage anytime, anywhere.
No matter what your business needs, we’re here to ensure you have the right coverage to keep things running smoothly. Let us help you find the perfect policy today!
Get the Best Insurance Coverage for Your Business
At Opulence Insurance & Annuities, Inc., we understand that every business has unique insurance needs. That’s why we’ve partnered with a wide range of reputable carriers to bring you the most affordable, high-quality coverage options available.
Our commitment is to provide tailored solutions that meet your specific requirements while delivering the best value. Whether you’re protecting your assets, employees, or operations, we’re here to help.
You may get a quick quote by clicking the get a quote button. For additional options, please contact us today to receive customized quotes and discover the perfect insurance coverage for your business needs. Your peace of mind is our priority!
Protect Your Business, Empower Your Future
Comprehensive Business Insurance Solutions Tailored to Your Unique Needs
Coverage That Works as Hard as You Do
Running a business comes with unique challenges and risks. Opulence Insurance & Annuities, Inc. offers a full range of business insurance solutions to protect your operations, employees, and assets. Our expert advisors help you customize your coverage, so you can focus on growth while we handle the risks.
Core Business Insurance Coverages
General Liability Insurance
Protect your business from everyday risks like customer injuries, property damage, and advertising mistakes. General Liability is a must-have for most businesses and can safeguard your finances from costly claims.
Key Protections:
- Bodily injury and property damage
- Legal defense costs
- Personal and advertising injury
Business Owner’s Policy (BOP)
A Business Owner’s Policy (BOP) combines General Liability and Property Insurance in one cost-effective package. Ideal for small to medium-sized businesses, this policy ensures comprehensive protection.
Key Protections:
- Property damage to your business location
- General liability coverage for customer claims
- Business interruption insurance to cover lost income
Professional Liability (Errors & Omissions Insurance)
If your business provides professional services or advice, Professional Liability insurance protects you from claims of negligence, errors, or incomplete work.
Key Protections:
- Legal defense for claims of professional negligence
- Settlements and judgments from lawsuits
- Coverage for services provided to clients
Worker’s Compensation Insurance
Protect your most valuable asset — your employees. Worker’s Compensation is required in most states and provides wage replacement, medical coverage, and support for injured employees.
Key Protections:
- Employee medical expenses from work-related injuries
- Lost wages for injured employees
- Protection from employee lawsuits related to injuries
Employee Benefits Insurance
Enhance employee satisfaction and retention with tailored benefits for your team. Our Employee Benefits packages are designed to keep your workforce healthy, happy, and productive.
Enhance employee satisfaction and retention with tailored benefits for your team. Our Employee Benefits packages are designed to keep your workforce healthy, happy, and productive.
Available Group Plans:
- Group Home & Auto Insurance — Exclusive savings for employees on their personal policies
- Group Dental Insurance — Access to dental coverage for employees and their families
- Group Vision Insurance — Coverage for eye exams, glasses, and contacts
- Group Accident and Health Insurance — Protection for employees in case of accidents or illnesses
- Group Life Insurance — Provide peace of mind with life insurance coverage for employees
- Group Disability and Absence Insurance — Income protection when employees are unable to work
- Group Legal Services — Access to affordable legal advice and representation
- Group Pet Insurance — Help employees care for their furry family members
Other Business Coverages
Protect your business from specific industry risks with these additional coverage options:
Tools & Equipment Insurance
Covers portable tools, equipment, and machinery used in business operations.
Product Liability Insurance
If your products cause harm or injury, this coverage protects your business from lawsuits.
Employment Practices Liability Insurance (EPLI)
Protect your business from claims of wrongful termination, discrimination, and workplace harassment.
Cyber Liability Insurance
Protect your business from cyberattacks, data breaches, and digital theft.
Umbrella Insurance
Gain extra liability protection beyond the limits of your standard policies.
Occupational Accident Insurance
Offers coverage for independent contractors and 1099 employees.
Liquor Liability Insurance
Required for businesses serving alcohol, this coverage protects against claims of over-service or alcohol-related incidents.
Business Personal Property Insurance
Covers your business’s furniture, equipment, supplies, and inventory.
Commercial/Business Auto Insurance
If your vehicle is used for business purposes, you’ll need specialized protection. Commercial Auto Insurance covers business-owned cars, trucks, and vans used for daily operations. From small business owners to large fleets, obtain tailored solutions for every need.
Coverage Highlights:
- Fleet Vehicle Insurance – Coverage for multiple vehicles under one policy.
- Hired & Non-Owned Auto – Protects vehicles used for business but not owned by the company.
- Cargo & Equipment Coverage – Safeguard the tools and materials you carry.
Don’t wait until it’s too late. Protect your business from costly downtime, liability claims, and unexpected expenses. Our team is ready to provide a fast, no-obligation quote that meets your budget and business needs.
Need business insurance? Request a quote today to see how Opulence Insurance & Annuities, Inc. can protect your fleet, employees, and bottom line.
Why Choose Opulence Insurance & Annuities, Inc.?
- Comprehensive Coverage: One-stop shop for all your business insurance needs.
- Customized Solutions: Tailored protection based on your industry, size, and risks.
- Expert Guidance: Our advisors help you find the right coverage for peace of mind.
Protect Your Business. Secure Your Future.
Get a personalized quote or book a consultation today.