Commercial Insurance

Commercial or business insurance protects your company and employees with coverage for worker’s comp, auto, property and general liability insurance. Any small business or large corporation needs protection and through a commercial insurance plan, you and your business can have it.

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Commercial Insurance

What We Cover:

  • Alarm & Fire Protection
  • Apartments
  • Architects
  • Auto Repair Shops
  • Barber or Beauty Shops
  • Carpet Cleaners
  • Churches
  • Clinics
  • Condominiums
  • Consultants
  • Contractors
    • Carpenters
    • Concrete Contractors
    • Electricians
    • Excavators
    • General Contractors
    • HVAC Contractors
    • Land Graders
    • Landscapers
    • Masons
    • Painters
    • Pavers
    • Plumbers
    • Roofers
    • Sewer Contractors
    • Sheet Metal Contractors
    • Siding Contractors
    • Tree Trimmers
  • Detective & Security
  • Engineers
  • Floor Installers
  • Freight Installers
  • Garbage Haulers
  • Hole In One
  • Loggers
  • Manufacturers
    • Concrete Products
    • Food Products
    • Foundries
    • Furniture
    • Machine Shops
    • Metal Goods
    • Plastic Products
    • Woodworking Shops
  • Marine Insurance
  • Motels and Hotels
  • Non-Profit Organizations
  • Officers
  • Outdoor Adventure
  • Pest Control
  • Printers
  • Real Estate Agents
  • Repair Shops
  • Restaurants
  • Sand and Gravel Haulers
  • Sawmills
  • Special Events
  • Sports & Leisure
  • Stores
    • Auto Accessory Stores
    • Building Material Dealers
    • Convenience Stores
    • Electronic Stores
    • Floor Covering Stores
    • Furniture Stores
    • Gas Stations
    • Glass Dealers
    • Grocery Stores
    • Hardware Stores
    • Machinery Dealers
    • Retail Stores
    • Wholesale Distributors
  • Truckers
  • Warehouses
  • And Much More!

    Auto & Garage

    Automobile Coverage is available for the following:

    • Your obligation to others for bodily injury or property damage
    • Costs of settling claims and defending suits
    • Medical payments or no-fault benefits
    • Uninsured and underinsured motorists
    • Comprehensive
    • Collision
    • Towing
    • Rental reimbursement

    Any size fleet may be written. 


    The Garage coverage form is designed for automobile dealers. It combines coverages provided under General Liability and Automobile policies. In addition, Garagekeepers’ coverage is available to pay all sums resulting from damage to automobiles left in your care.


    • Contract Bonds
    • License & Permit Bonds
    • Court & Judicial Bonds
    • Probate & Fiduciary Bonds
    • Public Official Bonds
    • Fidelity, Forgery & Crime Bonds
    • General Bonds


    Employee Dishonesty

    • Covers your loss arising out of dishonest acts against you by your employees.

    Forgery or Alteration

    • Covers loss caused by the forgery or alteration of your checks, drafts, or promissory notes.

    Theft, Disappearance, and Destruction

    • Coverage applies to the loss of money and securities arising out of theft, disappearance, or destruction while inside or outside your described premises.

    General Liability

    Insurance for what the policy holder is legally obligated to pay because of bodily injury or property damage caused to another person. These losses include such things as a slip and fall on your property, medical expenses, damage to premises rented to you, or a product you create that injures someone. Another common term for liability is casualty.

    Inland Marine

    • Accounts receivable
    • Bailees’ coverage
    • Builders’ risks
    • Contractor’s tools and equipment
    • Employees’ tools
    • Installation coverage
    • Motor truck cargo
    • Property in the course of construction
    • Valuable papers and records
    • Warehouseman’s liability

    Marine Insurance

    • Boat dealerships
    • Marinas & Yacht Clubs
    • Marine manufacturers
    • Commercial Marine
    • Recreational Marine

    Packaged Coverages

    Packaged coverages can be specially tailored to each type of business listed:

    • Apartments
    • Car Care Operations
    • Church
    • Contractors
    • Motels
    • Offices
    • Restaurants
    • Retail Stores
    • Service Operations
    • Wholesalers

    Commercial Package Policy The Commercial Package Property combines all the coverages you will need under one policy for one low price. Special programs with tailored coverages include:

    • Apartments
    • Contractors
    • Manufacturers
    • Mercantile
    • Offices
    • And More!


    Broad coverages are available to insure your:

    • Buildings
    • Business personal property
    • Personal property of others
    • Loss of income and extra expenses
    • Outdoor property including fences, signs, and antennas

    Special Coverages

    Ask your agent about the following:

    • Barbers’ and Beauticians’ Professional Liability
    • Cemetery Professional Liability
    • Church Counseling Professional Liability
    • Church Directors and Officers Liability
    • Church Sexual Misconduct or Sexual Molestation Liability
    • Commercial Output Policy
    • Condominium Directors’ and Officers’ Liability
    • Contractors’ Errors and Omissions
    • Corporal Punishment
    • Employee Benefits Liability
    • Equipment Breakdown
    • Financial Institutions Endorsement
    • Flood
    • Foreclosed Property
    • Full Building Coverage
    • Funeral Directors’ Professional Liability
    • Gap Coverage – Lease or Loan
    • Liquor Liability
    • Pollution
    • Printers’ Errors and Omissions
    • Product Recall
    • Sewer Back-up
    • Spoilage
    • Uninsured Motorist – Property Damage
    • Veterinarians’ Professional Liability

    Workers' Comp

    Part One – Workers’ Compensation

    • Covers benefits required of you by Workers’ Compensation law. Applies to bodily injury to or death of your employee arising out of his or her employment.

    Part Two – Employers’ Liability

    • Protects you when tort suits are brought against you as the result of injury to or death of your employee.

    State Act

    Maritime Employers Liability (MEL)

    Jones Act

    United States Longshoreman & Harbor Act (USL&H)

    Defense Based Act


    Henneberger and Flynn were able to get us better coverage for less money.

    Brooke Grimes

    I never imagined insurance being this easy.

    Harold Evans

    What sets Henneberger Flynn apart is their ability to answer our questions.

    Pam Rooney

    Every time I spoke with Henneberger Flynn something happened.

    Ann Watkins