Business | LA Rural Insurance Group

Business Insurance

Running a business comes with enough risk — insurance shouldn’t be one of the unknowns. From small-town startups to established operations, the right business insurance protects your livelihood, your employees, and everything you’ve worked to build.

At LA Rural Insurance Group, we help business owners design smart, scalable insurance programs that protect against real-world risks — not just what’s required on paper.

Whether you’re self-employed, growing a team, or managing complex operations, we help you protect today’s business while planning for tomorrow.

What Is Business Insurance?

Business insurance protects companies against financial losses related to property damage, liability claims, employee injuries, cyber threats, and operational interruptions. Coverage can be bundled or customized based on industry, size, and risk exposure.

Policies differ based on:

Type of business and industry
Number of employees
Vehicles, equipment, and property owned
Contracts, licensing, and regulatory requirements

That’s why business insurance should be intentional — not reactive.

Core Business Coverage Options

We provide foundational coverage for businesses of all sizes, including:

General Business Protection

Business Owners Policy (BOP)
Commercial General Liability (CGL)
Commercial Property Insurance
Business Interruption Insurance
Commercial Umbrella Insurance

These policies form the backbone of most business insurance programs.

Employee, Management & Professional Liability

Protecting people — and decisions — is just as important as protecting buildings.

Coverage options include:

Workers’ Compensation Insurance
Employment Practices Liability Insurance (EPLI)
Errors & Omissions (E&O) / Professional Liability
Directors & Officers (D&O) Liability
Key Person Life Insurance

These policies help shield businesses from lawsuits, employment claims, and leadership-related risks.

Commercial Auto, Fleet & Mobile Risk

If your business uses vehicles, transportation creates major exposure.

We offer:

Commercial Auto Insurance
Fleet Insurance
Business Auto Telematics Programs
Hired & Non-Owned Auto Coverage
Commercial Trailers & Mobile Equipment Coverage

From single vehicles to full fleets, we help you manage cost and liability.

Specialized, High-Risk & Industry-Specific Coverage

Some risks require specialized solutions — especially in today’s digital and regulatory environment.

Coverage options may include:

Cyber Liability Insurance
Crime Insurance
Liquor Liability Insurance
Environmental Liability
Ocean Marine Insurance
Inland Marine Insurance
Systems Breakdown / Equipment Breakdown
Event Insurance
Risk Management & Loss Control Services

We help identify hidden exposures before they turn into costly claims.

Bonds & Financial Guarantees

Certain businesses and professions require bonding to operate legally or secure contracts.

We assist with:

Commercial Bonds
License & Permit Bonds
Probate Bonds
Contract Bonds (Bid, Performance, Payment)

Bonding helps demonstrate financial responsibility and trust.

How Much Does Business Insurance Cost?

Business insurance pricing depends on:

Industry and operations
Revenue and payroll
Claims history
Coverage limits and deductibles
Number of locations, vehicles, and employees

We shop multiple carriers and structures to help you control costs while maintaining proper protection.

Protect the Business — and Everything Tied to It

A single lawsuit, cyber breach, or shutdown can undo years of hard work. The right insurance program helps keep your doors open, your reputation intact, and your growth on track.

Whether you’re launching, expanding, or reassessing coverage — LA Rural Insurance Group is your partner in protecting what you’re building.