Commercial Insurance Services

Commercial Coverage with a Personal Touch

At 1st Choice Insurance Services, we know your business is more than just a livelihood — it’s your passion. That’s why we offer tailored insurance solutions to protect your property, equipment, vehicles, and more. We also provide group health and retirement plans to help you care for your team.

Our friendly, experienced team is here to make insurance simple and reliable. As proud members of the Independent Insurance Agents of America and a Trusted Choice Agency, we’re committed to helping local businesses stay protected and grow with confidence.

Commercial Property Insurance

Property insurance protects your business by covering the financial risks associated with property loss in a wide range of commercial situations. This can include your buildings, equipment, furniture, fixtures, inventory, business records, supplies, and many other physical assets essential to your operations.

Commercial property insurance can help cover two main types of losses:

1. Direct losses – when your property is lost, stolen, damaged, or destroyed.
2. Indirect or consequential losses – additional costs or financial impacts that result from the direct loss, which some policies can also cover.



With the right coverage in place, property insurance gives your business the protection it needs to recover and continue thriving, even when unexpected events occur.

Commercial General Liability Insurance

Casualty insurance is designed to protect you and your business from liability claims, helping cover costs if someone is injured or if property is damaged because of your operations. These policies provide coverage for a wide range of situations, including:

• Premises and operations
• Fire damage liability or damages to rented premises
• Personal and advertising injury
• Medical payments
• Products or completed operations

For many businesses, a Business Owners’ Package (BOP) policy can be a smart choice, combining liability, property, and other types of coverage into a single, convenient plan. BOP policies can save you both time and money while ensuring your business is fully protected.



And in today’s world, where lawsuits can quickly reach into the millions, adding extra liability coverage through a commercial umbrella policy can give you even greater peace of mind. With the right combination of coverage, you can focus on running your business with confidence, knowing you’re prepared for the unexpected.

Business Auto Insurance Designed to Keep You Moving

Business auto insurance helps protect vehicles that you own, lease, rent, or borrow for your business, no matter what type of business you operate. This coverage isn’t just for standard company cars—it can also protect private passenger vehicles, trucks, trailers, semitrailers, and other commercial vehicles designed for use on public roads. With the right business auto coverage, you can drive your operations with confidence, knowing your vehicles and your business are safeguarded.

Workers' Compensation Coverage

Workers' compensation insurance is designed to protect employees and employers by covering injuries or illnesses that occur on the job. These plans help you prepare for the unexpected, including accidental injuries, occupational diseases unique to a particular job, and even workplace fatalities.

Workers' compensation provides coverage in four key areas:

• Medical benefits – for treatment of workplace injuries
• Income benefits – to replace lost wages
• Death benefits – to support families in the event of a fatal accident
• Rehabilitation benefits – to help injured employees return to work



At 1st Choice Insurance Services, our experienced team can guide you through workers' compensation options and help you find cost-effective strategies to manage expenses. From safety engineering to streamlined claims services, we’re here to help you protect your employees and your business with confidence.

Protect Your Future—Reach Out Today

1st Choice Insurance Services is also your go-to team for auto insurance, homeowners insurance and life, health and group insurance opportunities.

Call us today, and we'll be happy to provide a FREE consultation to sit down with you and discuss all your commercial insurance needs!