COMMERCIAL INSURANCE

We work for you,
and your risk is ours too.

Being independent allows us to simplify priorities. Ours are you and your business. 

We are your advocate, your person. You won’t be shuffled from one team to the next. You can’t build a relationship that way, and trust is key to exceptional risk management. 

Without public shareholders to please, we measure success differently: based on the quality and effectiveness of the comprehensive risk management program designed for your business. 

That’s the difference between an insurance policy and an insurance relationship. Your long-term success is our long-term business plan. Welcome to Daniel & Henry.

Feel good about your risk

Business insurance policies

You don't have to think of everything. We'll help.

  • PROP

    Property

    Protect your business’s physical assets like buildings, equipment and inventory in the event of a covered loss.

  • BI

    Business Income

    Replace lost income due to a slowdown or suspension of operations while a covered property is being repaired or replaced due to a covered cause of loss.

  • IM

    Inland / Ocean Marine

    Insure business property while in transit, by land, sea or air, including temporary storage or use on a job site.

  • GL

    General Liability

    Cover your business from third party injury and property damage claims, or lawsuits, resulting from your products, services or operations.

  • AUTO

    Automobile

    Protect your business on the road, from corporate vehicles to fleets, trucks and motor carriers.

  • WC

    Workers Compensation

    Cover employees who get injured or sick on the job, helping to pay for medical expenses, lost wages, and rehabilitation, while protecting the business from potential related lawsuits.

  • UMB

    Umbrella / Excess

    Insulate your business against catastrophic liability claims or lawsuits that exceed the limits of your other insurance, offering added financial security.

  • FOR

    International

    Safeguard  your company’s operations globally, protecting against risks like property damage, liability, or employee injuries in foreign countries.

  • POLL

    Pollution / Environmental

    Cover claims related to environmental damage caused by your operations which could include bodily injury, property damage and remediation costs.

  • CRM

    Crime

    Defend your business against financial loss due to business-related crime, including employee theft, forgery and robbery.

You have options, a lot of options. Our dedicated Commercial Insurance team can help identify the right ones for you, and structure a creative, custom risk management solution.*

*These are types of available coverage, not definitions of your insurance policy. Consult with your broker to identify a tailored approach for your business.

*These are types of available coverage, not definitions of your insurance policy. Consult with your broker to identify a tailored approach for your business.

Management Liability

Some decisions end up costing more than others.

Of all the risks to your business, management liability issues — dissatisfied investors, legal or financial missteps, employee allegations of misconduct — can be the most expensive claims.

The importance of Management Liability coverage

Cyber Liability

When everything is connected, everyone is vulnerable.

Most victims of data breaches and cyber attacks didn’t think they would ever be targeted. Businesses carry different risks, but none are immune.

Your digital exposure and Cyber Liability

Professional Liability

Go with confidence.

Some advice from one professional to another: Your business is at its best when you can work confidently. Cover your professional services and gain one less thing to worry about.

Explore Professional Liability policy options
YOUR RISK IS OUR SPECIALTY

INDUSTRIES

It's good to have friends who know the business like you do.

Manufacturing
Transportation
Construction
Financial
Services
Real
Estate
Tech & LifE
Sciences
NoT for
Profit
Labor
Unions
Aviation
Education
Community Associations
Fitness
Clubs
Religious
Institutions

Our brokers have built deep risk management expertise in a variety of industries. Let’s find the professional counsel and insights that are right for you.

Your carrier, your choice.

As independent brokers, we’re not tied to any one carrier. We can partner with those best suited to cover your unique risks, and we negotiate on your behalf.

Acuity LogoCHUBB LogoCincinnati Life Insurance Company Logo
Great West Casualty Company LogoHanover Insurance Group LogoThe Hartford Logo
Philadelphia Insurance Companies LogoSelective Insruance LogoTravelers Logo

+ Plus hundreds of additional regional and national carrier partners.

It takes time to make something that lasts.

Some of John and Mark Drew’s clients have been with Daniel & Henry for as many as 60 years. John is a third generation broker. His nephew, Mark, is the fourth generation. When you measure employee and account tenure in decades, finding time to invest in your clients becomes a lot easier.

An integrated strategy

Complementary Services

Managing your risk,
from multiple angles.

Commercial insurance is a critical foundation for your business, but there are additional ways to help protect the people and communities you care about. Review our approach to:

RIsk Management

Options and resources to help limit exposure and finance risk.

Surety

A contractual guarantee that obligations will be fulfilled, backed by a third party.

Employee Benefits

Navigating a complex and ever-changing healthcare landscape.

Let’s start a healthy insurance relationship

We get to know our clients better, so we can cover their risk better.

personal Insurance

Take good care of your people.

Helping others be at their best lifts us all.

Employee Benefits

It’s Daniel & Henry & You.

We started different, and we still are. Find out how our independent model helps us prioritize our clients.

Our Approach