Just like building a business, building an effective insurance program is done in steps. A good first step is working with us to put together the right policy for the unique challenges facing your business. Below are a few examples of business insurance offered by Lockman & Associates.

General Liability

Coverage that protects you and your business from financial loss resulting from claims of injury or damage caused to others by you or your employees, resulting from your business operations including your premises, your products, and your operations or services.


Commercial Property

Coverage that insures your business property, including business personal property and owned buildings. These policies can include rental income protection for property that is leased to others.


Business Owners Policy

Known as a BOP, this insures your buildings, business property and inventory, premise liability and income protection. These policies are custom designed to fit your business


Inland Marine

Refers to coverage on movable commercial property, like tractors and lawn care equipment or equipment that is regularly transported from job to job. This coverage is often added to a BOP but can be an individual policy as the case requires.


Business Catastrophe Liability

Also known as an Umbrella, provides additional coverage above the limits on the existing multiple business policies like a BOP and Commercial Auto or General Liability.

Workers Compensation

Offers employers coverage for injuries to employees that happen on the job. This coverage pays for medical costs and loss of time from work to the employee.