Protect your business, its people, and its future
Commercial Insurance Expertise at Legacy
Navigating commercial insurance is complex. At Legacy Insurance Services, our team simplifies that complexity while delivering tailored solutions rooted in trust and expertise. We partner with you to evaluate your needs, manage risk, and support your operations with confidence—not uncertainty.
Intentionally crafted, deeply understood.
The Core Types of Commercial Coverage
Legacy advisors guide clients through the commercial insurance landscape, tailoring solutions across these core categories:
Property Insurance
Protects your buildings, structures, equipment, and inventory from fire, theft, weather, and other covered losses. Essential for owners or tenants alike, this coverage helps restore physical assets critical to your business operations.
General Liability Insurance
Protects your business against third-party claims such as bodily injury, personal injury, advertising liability, or property damage. This foundational coverage includes legal defense and indemnity when needed
Business Interruption Insurance (Income Insurance)
Compensates for lost income and operating expenses when your business is forced to close temporarily due to a covered event. Often packaged with property policies or offered as a standalone option
Workers’ Compensation
Required in most states when you have employees, it covers medical costs and a portion of lost wages for work-related injuries—protecting both your team and your finances
Commercial Auto Insurance
Covers vehicles used in your business—from delivery trucks to sales reps—protecting liability, physical damage, and employees on the road
Professional Liability Insurance (E&O)
Protects against claims arising from professional mistakes, negligence, or failure to perform services—even if no physical harm occurred. Essential for service-based businesses
Commercial Umbrella Insurance
Extends liability limits when primary policies are exhausted, serving as an extra layer of protection for catastrophic claims
Specialty Coverage Options
Depending on your industry and risk profile, options may include:
Cyber Liability Insurance (data breaches, liability, or incident recovery)
Crime and Employee Dishonesty Coverage
Equipment Breakdown Insurance
Employment Practices Liability (EPLI)—for HR-related risks
Product Liability or Environmental Insurance, where applicable
How Legacy Supports You Through the Process
Legacy differentiates itself by offering an intentional, guided partnership that puts your needs first:
Risk Discovery & Assessment
We begin with a thorough evaluation—operations, assets, exposures, and future plans—to uncover your real risks.Customized Coverage Design
We don’t fit you into packages. We design combinations of policies including BOPs, individual or stand-alone options depending on your size and complexity.
Market Access & Policy Comparison
As an independent agency, Legacy taps into multiple carriers to find the best fit. You benefit from objective comparison—balancing needed coverage with cost efficiency
Claims Advocacy & Support
When an incident occurs, Legacy acts as your advocate—supporting your claim from start to finish and guiding each step along the way.
Ongoing Reviews & Adjustments
Your business evolves—and so should your policy. We conduct regular reviews and recommend adjustments before gaps or exposures emerge.
Why Not Use a One-Size-Fits-All Option?
No captive limitations: Captive agents have limited options. You deserve access to several markets to match your unique situation
No guesswork: Too many generic platforms bundle and sell policies without evaluating your true needs.
No hidden surprises: Legacy provides transparency—explaining every exclusion, limitation, deductible, and step in claims or policy design.
What to Expect When You Work with Legacy
One-on-One Intake
We spend the time to ask the right questions and listen deeply.
Tailored Recommendations
Policies are built around your needs—not standardized tiers.
Access to Multiple Carriers
We shop coverage, pricing, and reliability on your behalf.
Transparent Guidance
Want clarity on exclusions or coverage gaps? We’ll explain in real terms.
Continued Partnership
We stay connected—review policies, adjust coverage, and answer questions.
The Legacy Promise
More than a policy. It's a partnership.
At Legacy Insurance Services, we don’t offer one-size-fits-all solutions. We make a promise—to every client, every time—to walk alongside you with clarity, intention, and genuine care. Because we’re not just protecting your assets. We’re helping you protect your legacy.
