Business insurance, without the decoder ring.

A Business Owner's Policy, or BOP, typically bundles general liability, commercial property, and business income coverage into one policy.

For growing, complex, multi-location, or higher-risk businesses, Riza builds custom insurance programs across coverage lines, carriers, and specialty markets.

Get contract-ready protection for the everyday claims that can stall work: injuries, property damage, lawsuits, and certificate requests.

Professional liability, also called errors and omissions insurance, helps cover claims that your advice, service, design, or work product caused a client financial loss.

Cyber liability helps cover costs tied to data breaches, ransomware, wire fraud, privacy claims, and business interruption from certain cyber events.

Product liability helps cover claims that a product caused bodily injury, property damage, or another covered loss.

Umbrella and excess liability can provide additional limits when a covered claim exceeds the underlying policy limit.

Commercial property helps cover buildings, business personal property, inventory, furniture, fixtures, and improvements after covered causes of loss.

Business income, often called business interruption, can help cover lost income and continuing expenses after a covered property event forces the business to slow down or close temporarily.

Tools and equipment coverage helps protect portable gear, contractor equipment, diagnostic tools, cameras, laptops, and job-site equipment when covered losses happen.

Inland marine is the insurance term for property in transit, at job sites, in storage, or otherwise away from your main business location.

Equipment breakdown can help cover repair costs and operational losses when covered mechanical, electrical, boiler, refrigeration, or production equipment breaks down.

Commercial auto helps cover liability and physical damage for vehicles your business owns, leases, rents, or uses for work.

Hired and non-owned auto helps cover your business's liability when work driving happens in vehicles the business does not own.

Fleet insurance coordinates commercial auto coverage across multiple vehicles, drivers, locations, and use cases.

Workers' compensation helps cover medical care, lost wages, and related benefits when an employee is injured or becomes ill because of work.

Employment Practices Liability Insurance, or EPLI, helps cover legal costs and settlements for covered employment-related claims.

D&O insurance helps protect directors, officers, board members, and the organization from covered claims alleging wrongful acts in management or governance.

Fiduciary liability helps cover claims alleging errors in the administration, selection, or oversight of employee benefit plans.

A surety bond is not the same as insurance. It is a three-party agreement where a surety backs your obligation to another party.

Fidelity bonds help protect businesses and clients from certain theft, fraud, or dishonest acts by employees or service providers.

Commercial crime insurance helps protect against covered losses involving employee theft, forgery, funds transfer fraud, computer fraud, and related financial crime.

Liquor liability helps cover claims alleging injury or property damage connected to alcohol service or sales.

Environmental liability helps cover certain pollution conditions, cleanup costs, third-party claims, and regulatory expenses when standard liability or property policies exclude them.

Builder's risk helps cover covered damage to a construction project, including materials, fixtures, and work in progress before completion.