riza
Get a Quote

Coverage

Insurance coverage, explained plainly.

Start with what you need to protect. See what each coverage does, when it comes up, and what to compare.

Prefer to talk? Call +1 802-GOT-RIZA

  • Understand what each coverage is built to protect
  • Compare coverage and price across carrier markets
  • Keep insurance aligned as the business grows

Options from more than one carrier market.

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

Jump to coverage

Cover the basics together.

For eligible businesses that want liability, property, and income in one policy.

Business owner's policy

General liability, commercial property, and business income in one package.

Protect your people.

Coverage for the people who work for you, and the state rules that come with payroll.

Workers' compensation

Employee injuries and state requirements tied to hiring and payroll.

Employment practices liability

Certain claims involving hiring, termination, discrimination, harassment, or retaliation.

Protect against claims.

Coverage for allegations about your operations, your work, or your advice.

General liability

Injuries, property damage, and completed work.

Professional liability

Design, advice, and professional services.

Umbrella & excess

A larger layer of liability above the policies underneath.

Protect what you own and use.

Coverage for the places, vehicles, tools, and equipment that keep work moving.

Commercial property

Buildings, contents, inventory, and equipment at your location.

Commercial auto

Business-owned vehicles, drivers, and business use.

Tools and equipment

Tools and equipment at the shop, in transit, and on the job.

Protect the next project.

Specialty coverage and bonds for contract requirements, work in progress, and pollution exposures.

Surety bonds

Bid, performance, payment, license, and permit obligations.

Builder's risk

Buildings, materials, and work in progress during construction or renovation.

Contractors pollution liability

Certain jobsite pollution, cleanup, and environmental claims.

Keep the business running.

Coverage for disruptions that interrupt income, data, or systems.

Business income

Lost income and continuing expenses after certain covered shutdowns.

Cyber liability

Breach response, restoration costs, and cyber-related claims.

Protect the life you’re building.

Home, renters, auto, and pet insurance explained around the people, places, and everyday moments they protect.

Homeowners

Your home, belongings, and a place to stay after certain covered losses.

Renters

Your belongings, personal liability, and extra living costs after certain covered losses.

Personal auto

Your car, the people who drive it, and liability on the road.

Pet

Eligible veterinary expenses when a covered accident or illness happens.

Quick answers.

The questions people ask before they choose where to start.

What coverages do most businesses start with?
There is no single starter package for every business. Many businesses begin by reviewing general liability, commercial property or a business owner’s policy, workers’ compensation when they have employees, and commercial auto when the business owns or uses vehicles. The right mix depends on your work, contracts, people, property, and state requirements.
What coverage may contractors need beyond general liability?
Depending on the work and contract, a contractor may also need workers’ compensation, commercial auto, tools and equipment, umbrella or excess liability, builder’s risk, contractors pollution liability, professional liability, or cyber coverage. A project may also require bid, performance, or payment bonds, which are surety products rather than insurance policies. Riza can review the work and contract requirements with you.
Can Riza review the policies I already have?
Yes. Send us your current policies and tell us what has changed in the business. A licensed Riza broker can help you compare coverage, limits, deductibles, exclusions, pricing, and service before you decide whether to stay or switch.
How much does business insurance cost?
The cost of business insurance depends on factors such as your industry, services, revenue, payroll, employees, vehicles, property, equipment, locations, limits, deductibles, claims history, and contract requirements. Riza compares options from multiple carrier markets so you can evaluate coverage and price together.
Should my coverage change as my business grows?
Often, yes. New contracts, employees, vehicles, equipment, locations, services, revenue, or states can change what your business needs to protect. Riza reviews those changes with you so your insurance can keep pace with the business you are building.
Do you handle personal insurance too?
Yes. Riza can help with homeowners, renters, personal auto, and pet insurance where products and licensing are available. We can review personal insurance alongside the business so the coverage around your life is not treated as an afterthought.

Not sure what belongs in
your program?

Tell us what you want to protect. We’ll help you understand the options.

Prefer to talk? Call +1 802-GOT-RIZA · Sun to Sat, 8am to 8pm ET