Commercial Insurance

Are you a business owner? Have your own trucking company? Do you own a store? Are you a contractor? At the Steffes Agency, our educated agents can help you get the insurance coverage you need.

Steffes Agency is an independent insurance agency representing multiple top-rated carriers. We work with admitted and non-admitted carriers in order to provide the best possible coverage at the most competitive pricing.

Commercial General Liability Insurance

Commercial General Liability insurance is a common coverage we offer. This provides coverage for bodily injury and/or property damage liability for which the named insured becomes legally liable and/or obligated to pay. It also provides coverage for the named insured, even though a claim might be false, fraudulent or otherwise misrepresented.

This includes General Contractors such as:

  • Carpentry
  • Plumbing
  • Electrical
  • Janitorial services
  • Heating
  • Mechanical
  • Drywall
  • Remodel
  • Floor installers
  • Siding
  • Insulation
  • Roofing
  • And more!

What does a General Liability policy cover? Are you well protected? At the Steffes Agency, our agents offer an abundance of coverage under a General Liability policy. Some examples are:

  • Damage to premises rented to you
  • Medical payments to others
  • Cyber liability
  • Employers Stop Gap
  • Contractor’s Error and Omission
  • And more!

Commercial Auto Insurance

Do you have a vehicle that is used for business purposes? Are the limits adequate for your business? Our agents understand the importance of having the right coverage available to get the job done. Commercial auto insurance is necessary to cover your vehicles used in your business operation that a personal auto policy will not. A few examples are:

  • Car
  • Truck
  • Trailers
  • Semi-tractors
  • Vans
  • And more!

We specialize in commercial auto insurance, providing coverage for the local to long haul. We have markets available for an array of business types.


  • Delivery (furniture, food, etc.)
  • Towing operators
  • Petroleum products
  • Crude Oil
  • Water
  • Machinery
  • Equipment
  • Livestock
  • Grain
  • And more!

Coverages available are:

  • Auto liability-bodily injury
  • Property damage
  • Uninsured motorists
  • Underinsured motorists
  • Physical damage
  • Comprehensive
  • Collision coverage
  • Roadside assistance
  • Rental reimbursement
  • Hired auto
  • Non-owned auto
  • Motor truck cargo
  • Pollution liability
  • Non-trucking liability (bobtail)
  • And more!

No matter what you do, we can find you optimal coverage at an affordable rate. We understand that your business means being on the go consistently. Let us make sure your autos have optimal coverage.

Umbrella and Excess Policy Insurance

We offer Umbrella/Excess Liability insurance in any amount necessary to fit your coverage needs. This policy goes beyond the limits of coverage on your General Liability policy. Should a tragedy strike, we have you covered above and beyond.

A Commercial Umbrella/Excess policy provides coverage for:

  • Claims that exceed the limits on your current liability policy
  • Lawsuits
  • Property damages to others
  • Exhaustion of your underlying policies
  • And more!

The excess liability policy will follow form of the primary liability policy. If there is a claim or loss that the primary liability policy does not cover, the excess liability policy will also not cover the claim.

Business Owner’s Insurance

Business Owner’s insurance helps protect your building, business personal property, and income, allowing you to focus on your day to day operations. The following businesses can be written under a business owner’s policy:

  • Bakeries
  • Barber shops and hair salons
  • Bicycle shops (retail, repair and maintenance)
  • Book stores
  • Camera and photographic equipment retail
  • Candy stores
  • Car washes
  • Clothing stores
  • Feed dealers
  • Auto repair shops (servicing or body work)
  • Dental laboratories
  • Florists
  • Churches
  • Dry cleaning
  • Veterinarians
  • Photographers
  • Storage units
  • And more!

Optional coverages include law and ordinance, equipment breakdown, cyber and data breach liability, and professional liability is available for various risks.

Errors and Omissions Insurance

Errors and Omissions Insurance provides protection for your professional services business from claims of negligence or failure to perform your professional duties. What is covered? The following are a few examples:

  • Defense costs
  • Negligence
  • Temporary staff
  • Independent contractors
  • Claims
  • Personal Injury (libel or slander)
  • Copyright infringement
  • And more!

Do I need omissions coverage? Should I consider adding this to my policy?  Any person who is operating a professional business should consider having this coverage even if they are not already legally required to carry it. Some examples of professions that carry this coverage are:

  • Doctors
  • Lawyers
  • Accountants
  • Architects
  • Engineers
  • Insurance agents
  • And more!

Director’s and Officer’s Insurance

Director’s and Officer’s Insurance protects the company and its executives from certain claims made against them. The types of claims that are covered involve an individual’s actions and decisions (or failures to act/decide) in his or her capacity as a leader of the company. This can include:

  • Allegations of breach of fiduciary duty
  • Mismanagement of shareholder voting procedures
  • Unfair trade practices
  • Misrepresentation
  • Securities violations in connection with private placements
  • Failure to comply with regulations and laws

Coverage can also be expanded to offer additional limits to protect executives when the company is insolvent and can’t provide indemnification. These additional limits can be vital, since companies that are in financial distress, are much more likely to be named in a D&O suit. The coverage enhancement ensures that, even if the resources are dry and the policy has been exhausted, there will be a safety net available to protect individuals who are still the target of a suit but can’t be protected by the company.

Other enhancements include coverage for the cost of investigating a demand claim (when your shareholders act on behalf of the company and sue you) or the legal defense cost of a delusion suit from a former executive. Fraud is a frequent allegation made as a part of commercial lawsuits.

Problematically, fraudulent acts are not covered by insurance. But here is the key, get the right D&O policy and the carrier will pay to defend you against that allegation until it is proven true. Assuming the fraud claim is unfounded, a well-written D&O policy will pay to get that part of the suit dissolved.

Bond Insurance

Bond insurance is a type of policy that a bond issuer purchases that guarantees the repayment of the principal and all associated interest payments to the bondholders in the event of default. The commercial surety market includes numerous types of bonds such as:

  • Court judicial
  • Court fiduciary
  • Public official
  • License and permits
  • Contract bonds
  • Fidelity bonds
  • Bid
  • Notary
  • Performance
  • Payment
  • And more!

Aviation Insurance

Do you like to fly? Travel the world and see new things? Escape the hustle and bustle on land? Don’t limit yourself. Let the sky be yours! At the Steffes Agency, we have coverage for you so you may continue to enjoy the freedom of the sky. Aviation insurance is divided into several types of insurance coverage available.

  • Public Liability Insurance
  • Passenger Liability Insurance
  • Combined Single Limit (CSL)
  • Ground Risk Hull Insurance Not in Motion
  • Ground Risk Hull Insurance in Motion (Taxiing)
  • In-flight insurance
  • Unmanned aircraft coverage (drone)
  • And more!


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