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retail stores on small town street

commercial insurance

Big-time protection for all business.

At SDN Insurance®, we’ve been helping businesses big and small protect company assets — from the employees and equipment in the building to the facility itself — with customized, comprehensive plans that meet all of your specific needs. With a century of experience behind us, we know that one size doesn’t fit all, but rather one insurance company with local knowledge and global thinking can fit your needs.

From a detailed analysis of a company's risk, through program design and claim administration, we concentrate on going above and beyond standard service. We look for new ways to maximize the cash flow benefits of a client's premium dollars and expedite claim recovery.

Products and Services

We offer products and solutions to suit the exposures faced by business owners today. Find the coverage that fits you and your business needs:

Whether you have a fleet or a single vehicle, Commercial Auto coverage will protect you while your business is on the road.

Crime coverage provides protection for loss of money, securities, or other assets resulting from social engineering, employee theft, theft of property from the premises, and certain types of fraud by third parties.

Obtain coverage for your business against claims by workers that their legal rights as employees of the company have been violated. Employment practices liability may provide coverage for claims of:

  • Sexual Harassment
  • Discrimination
  • Wrongful Discipline
  • Wrongful Termination
  • Breach of Employment Contract
  • Negligent Evaluation
  • Failure to Employ or Promote
  • Mismanagement of Employee Benefit Plans

Fiduciary Liability coverage may provide protection against employee mismanagement or theft of income. A Fiduciary Liability Policy covers associated legal costs to defend against claims of errors and a breach of fiduciary duty. 

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General Liability coverage includes protection from liability when product or business operations are conducted away from your business's premises.
Owners and Contractors Protective (OCP) Liability coverage is designed to help protect project and general contractors from bodily injury or property damage claims that arise when work is contracted or subcontracted out.

Adding Professional Liability Insurance to your business portfolio can offer the coverage you need — from failure to render a service to malpractice suits — in order to protect your assets and your tomorrow. Coverage can include:

  • Errors and Omissions Liability (E & O)
  • Directors and Officers Liability (D & O)
  • Fiduciary Liability
  • Medical Professional Liability

Business Income and Extra Expense coverage may provide protection when your business is shut down temporarily. Coverage helps replace income and cover expenses, such as rent and payroll.

Directors & Officers Liability protects the personal assets of corporate directors and officers, and their spouses. his can include anything from conflicts of interest to mismanagement of company assets and violation of laws.

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EnvironmentalLiability (also known as pollution insurance or pollution coverage) provides coverage for loss or damages due to the unexpected releases of pollutants. This type of coverage is traditionally excluded from standard general liability and property insurance policies.
Protect your valuable assets and keep operations running with manufacturing equipment coverage.

Property managers, owners, and developers have specific business insurance and risk management needs. Types of structures covered include:
  • Apartment Buildings
  • Condominiums
  • Homeowners Associations
  • Garden Style Apartments
  • Single-Family Dwellings
We will go above and beyond when the need is over and above. If your claim exceeds the limits of your business insurance coverage, umbrella coverage helps cover any exceeding expenses.

Surety bonds may be required by businesses to guarantee that the contracted work will be accomplished. In these instances, it is important to protect your company from financial loss due to failure to complete a project or meet contract specifications.

With our long history of protecting small business client with the right coverage and policies, we can help you create an insurance program designed to safeguard the best interests of your business - so you can focus on serving your customers and increasing your profits. Reach out to us today to discuss how we can help your business.

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