Most businesses need a few of these working together. We help you choose the right mix and the right limits — and explain every line in plain English.
Protects your business if someone is injured or their property is damaged because of your operations, products, or premises — including the legal costs to defend a claim.
Covers your building, equipment, inventory, and furnishings against fire, theft, storms, and other covered losses — whether you own your space or lease it.
Bundles general liability and commercial property into one convenient policy, usually at a better price than buying them separately. A great fit for many small businesses.
Covers medical bills and lost wages if an employee is hurt on the job. It’s required in most states once you have employees — we help you stay compliant.
Errors & omissions coverage protects you if a client claims your professional advice or services caused them a financial loss — essential for service-based businesses.
Covers the vehicles your business owns, leases, or uses for work — from a single van to a full fleet — including liability, physical damage, and hired or non-owned autos.
Helps your business respond to a data breach or cyberattack — covering notification costs, recovery, and liability if customer or employee information is exposed.
From your first hire to your fifth location, we build programs for a wide range of small and mid-sized businesses.
Don’t see your industry? We work with many more — just ask.
One advisor, one clear process — and someone in your corner long after the policy is bound.
We start with a conversation about what you do, what you own, who works for you, and the risks you worry about — so nothing important gets overlooked.
We compare coverage and pricing across multiple trusted carriers and put together a program that fits your operation and your budget, with the right limits.
We bind your coverage, review it as your business grows, and advocate for you at renewal and claim time. You get one point of contact for everything.
It depends on your state, your industry, and how you operate. Workers’ compensation is required in most states once you have employees, and commercial auto is required for business-owned vehicles. Many leases and client contracts also require general liability. We’ll walk through what’s legally required for your situation and what’s simply smart to carry.
A BOP bundles two of the most common coverages — general liability and commercial property — into a single policy, usually at a lower cost than buying them separately. It’s a popular starting point for many small businesses, and it can often be extended with add-ons like business interruption coverage.
Yes. We place workers’ compensation coverage and help you stay compliant with your state’s requirements. We’ll make sure your employees are classified correctly and that your policy keeps pace as you hire, so you’re covered if someone is injured on the job.
Absolutely. Send us your current declarations pages and we’ll review your coverage for gaps, overlaps, and overpaying — then compare it against options from other carriers. There’s no cost and no obligation to switch.
Tell us about your business and a Melon advisor will compare commercial options from trusted carriers and come back with a clear recommendation — free, no obligation.
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