General Liability
The foundation policy — third-party bodily injury, property damage, and legal defense. Written for over 100 artisan trades and general small-business risks, with certificates of insurance issued the same day.
Business Insurance for U.S. Small Businesses
One Program. Zero Gaps.
General liability, workers compensation, and commercial auto — placed as one coordinated program by an independent broker with 20+ years in commercial markets.
Commercial Insurance Coverage
Every Policy, Pulling in the Same Direction.
Business insurance for a small business typically combines three policies: general liability for third-party claims, workers compensation for employee injuries, and commercial auto for work vehicles. Dean Clark places all three as one coordinated program, so coverage dates align, exclusions don’t overlap into gaps, and one broker answers for every certificate, renewal, and change.
Workers Compensation
Required by law in nearly every state once you have employees. Quoted from payroll figures and classification codes, with carrier options matched to your trade’s actual injury exposure rather than a generic rate.
Commercial Auto
Work trucks, vans, and trailers — plus hired and non-owned auto exposure when employees drive personal vehicles for the business. Personal auto policies routinely exclude business use; this closes that gap.
Event Insurance
Short-term liability for events your business hosts or works — venues require a certificate naming them as additional insured, and the policy plus certificate can typically be turned around within 1 business day.
Small Business Insurance
Run the Business. The Coverage Is Handled.
One broker tracks your policies, renewals, and certificates — so an audit letter or COI request never costs you a working day.
Coverage Comparison
Three Policies. Three Different Jobs.
General liability, workers compensation, and commercial auto each answer a different claim. Liability responds when your work injures a third party or damages their property. Workers comp responds when your own employee is hurt. Commercial auto responds when a work vehicle is involved. The table shows exactly which policy carries each risk.
| Policy | Responds When | Required By | Quote Inputs |
|---|---|---|---|
| General Liability | A client, visitor, or neighboring property is injured or damaged by your work — including completed operations discovered later. | Contracts, general contractors, property managers; CSLB for LLC licensees. | Trade, years in business, revenue, claims history — about 2 minutes by phone. |
| Workers Compensation | Your employee is injured on the job — medical treatment, lost wages, and rehabilitation. | State law in nearly every state once you have employees; some states require it for certain contractor license types even without employees. | Payroll by classification code and claims history. |
| Commercial Auto | A vehicle used in the business is in an accident — liability to others plus damage to your vehicle. | DMV financial responsibility rules, lenders, and most commercial contracts. | Vehicles, drivers, radius of operation, and driving records. |
Business Insurance Questions
The Answers Before You Ask.
Business owners ask the same six questions before binding a program: what the law requires, whether one broker can carry the whole account, how personal and commercial auto differ, what the quote call involves, and what happens at renewal. Each answer below is complete on its own — no fine print required.
Three policies cover most small businesses: general liability for third-party injury and property damage, workers compensation once you have employees (required by law in nearly every state), and commercial auto for vehicles used in the business. Trade, contracts, and property ownership determine what gets added beyond that baseline — a 2-minute call sorts it out.
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Build Your Program
Every Policy. One Broker.
Call with your business basics or request a callback — quotes for the full program usually come back within 1 business day.