Reviewed by Cornerstone Staff28 years of financial services state licensing experience
Start from your exposures, not a product list
Insurance shopping goes wrong when it starts from a menu of policies instead of the ways your business can actually be hurt. This guide starts by mapping your exposures: injury caused by your work, damage to property you own or rent, professional mistakes, employee injuries, vehicles, and data incidents. Each exposure maps to a coverage, and the exposures you do not have are coverages you can skip.
Inside the guide
- The core coverages in plain language: general liability, commercial property, professional liability, workers' compensation, commercial auto, and cyber, and when each one earns its place.
- Sizing limits to your risk: the three anchors that keep limits honest (contract requirements, your worst plausible loss, and your industry's claim patterns), plus how to set deductibles the business can absorb.
- Certificates and additional insureds: handling the proof-of-coverage requests that come with every lease and client contract.
- The annual review: keeping the program aligned with the business you run now, not the one you started.
Who it is for
Owners buying business coverage for the first time, and anyone signing bigger contracts than their current policies were sized for. Fill out the form and we will email you the full guide.
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