Commercial insurance products
Start with what created the need: a contract, a lease, employees, vehicles, property, data, advice, investors, or higher required limits.
Most common starting points
The lines businesses usually encounter first through contracts, leases, employees, and owned vehicles.
GL / Core liability
General Liability
Customer injury, third-party property damage, completed operations, and certificate requirements.
- When to review
- A customer, landlord, marketplace, or GC asks for a certificate or liability limits.
- Reviewed with
- BOP, Workers Compensation, Umbrella
BOP / Package
Business Owner's Policy
A bundled policy for eligible businesses that can combine liability with property protection.
- When to review
- A lease, storefront, office, inventory, or tenant improvement needs liability and property handled together.
- Reviewed with
- Workers Compensation, Cyber, HNOA
WC / Employee coverage
Workers Compensation
Workplace injury coverage for employees, with state, payroll, and class-code questions.
- When to review
- The business hires employees, runs crews, or needs payroll and class-code coverage.
- Reviewed with
- General Liability, Commercial Auto, BOP
Commercial Auto / Vehicles
Commercial Auto
Coverage for vehicles used in business operations, including service vans, trucks, and delivery vehicles.
- When to review
- Vehicles are titled to the business or employees drive vans, trucks, or autos for work.
- Reviewed with
- HNOA, General Liability, Motor Truck Cargo
Vehicles, property, and field operations
Coverage that depends on where assets move, what vehicles do, and what the business owns or leases.
Trucking / Transportation
Trucking Insurance
Auto liability, cargo, physical damage, and trucking-specific filings or contract requirements.
- When to review
- Hauling, cargo, filings, radius, contracts, or truck physical damage become part of the quote.
- Reviewed with
- Motor Truck Cargo, Physical Damage, General Liability
Property / Assets
Commercial Property
Business property, inventory, equipment, tenant improvements, and income interruption questions.
- When to review
- A location, inventory, equipment, improvements, or business personal property needs values.
- Reviewed with
- BOP, General Liability, Equipment Breakdown
Tools / Mobile property
Tools & Equipment / Inland Marine
Protection for tools, equipment, and scheduled property that moves between jobs or customer locations.
- When to review
- Tools or equipment move between jobs, vehicles, storage, and customer locations.
- Reviewed with
- General Liability, Commercial Auto, BOP
HNOA / Vehicle liability
Hired & Non-Owned Auto
Liability questions when employees, owners, or contractors use personal or rented vehicles for business errands.
- When to review
- Employees, owners, or contractors use personal or rented vehicles for business errands or deliveries.
- Reviewed with
- BOP, Commercial Auto, General Liability
Umbrella / Higher limits
Umbrella / Excess Liability
Additional liability limits above scheduled underlying policies when contracts or risk size require more protection.
- When to review
- A contract asks for limits above the primary general liability, auto, or employer liability policy.
- Reviewed with
- General Liability, Commercial Auto, Workers Compensation
Professional, cyber, and leadership risk
Lines driven by advice, data, investors, boards, governance, or client contract requirements.
E&O / Advice and services
Professional Liability / E&O
Claims tied to professional advice, errors, omissions, missed deadlines, or service mistakes.
- When to review
- Clients rely on advice, deliverables, design, recommendations, or professional services.
- Reviewed with
- Cyber, General Liability, D&O
Cyber / Digital risk
Cyber Liability
Data breach, ransomware, funds transfer, privacy, and security incident response questions.
- When to review
- The business stores customer data, accepts payments, uses cloud tools, or has cyber requirements.
- Reviewed with
- E&O, BOP, D&O
D&O / Management liability
Directors & Officers
Management, board, investor, employment, and governance-related liability questions.
- When to review
- Investors, a board, debt covenants, funding, or leadership decisions create management-liability exposure.
- Reviewed with
- EPLI, Cyber, E&O
How Kinro narrows it down
The product is only the starting point.
Operations
Industry, services, locations, payroll, vehicles, tools, property, and revenue.
Requirements
Leases, client contracts, COIs, additional insureds, limits, and state rules.
Carrier fit
Kinro compares details against available carrier appetite and coverage paths.