Commercial Insurance

From contractors to cafés, tech startups to retail shops—DrakeGuard delivers tailored commercial insurance that shields your business from risks big and small. Property, liability, workers comp, or specialty coverages—we forge policies as unique as the enterprise they protect.

Street view of buildings with balconies and signs, including a 'Platte Street Mercantile' sign and a parking sign, under a clear sky.

General Liability Insurance

Who it’s for: Every business, from mom-and-pop shops to growing enterprises.
What it covers: Protection from lawsuits involving bodily injury, property damage, or advertising harm.
Why it matters: One accident, one slip-and-fall, or one bad review can cost thousands. Liability coverage shields your business reputation and finances.

Row of large, black Scania trucks parked on a gravel lot with cloudy sky overhead.

Commercial Auto Insurance

Who it’s for: Any business using vehicles—contractors, delivery services, or companies with fleets.
What it covers: Accidents, injuries, liability, and physical damage to business-owned vehicles.
Why it matters: Personal auto policies don’t cover business use. A commercial policy keeps you moving legally and financially protected.

Photograph of a multi-story commercial building with parking area, surrounded by other buildings and green landscape in the background.

Commercial Property Insurance

Who it’s for: Businesses with physical locations, equipment, or inventory.
What it covers: Damage or loss of buildings, tools, inventory, and equipment from fire, theft, or disaster.
Why it matters: Property is the foundation of your livelihood—protecting it means you can bounce back after the unexpected.

A construction worker uses a drill on a wooden beam at a building site, with other workers in safety vests working in the background.

Workers’ Compensation Insurance

Who it’s for: Businesses with employees.
What it covers: Medical expenses, lost wages, and rehabilitation for employees injured on the job.
Why it matters: It’s legally required in most states, but beyond compliance—it’s peace of mind knowing your people are protected.

Two men in business suits standing in a modern conference room, smiling and looking at a smartphone, engaged in a conversation.

Business Owners Policy (BOP)

Who it’s for: Small-to-mid-sized businesses seeking bundled protection.
What it covers: Combines general liability and property coverage into one streamlined, affordable package.
Why it matters: Simplicity. It’s the all-in-one shield most small business owners start with.

Four young men working on laptops at a wooden table in a cozy indoor setting, two of them wearing headphones, one with glasses, and one sitting in front with short dark hair, wearing a dark t-shirt.

Professional Liability / Errors & Omissions (E&O)

Who it’s for: Service providers, consultants, tech startups, financial advisors, and contractors.
What it covers: Claims of negligence, mistakes, or failure to deliver professional services.
Why it matters: Even experts get sued. E&O is your safeguard against costly disputes when expertise is your product.

What people are saying

“Those incredibly smart and talented people at DrakeGuard really care about insurance”

— Our Mothers