- Coverage for companies of all sizes
Business Insurance
Your business deserves more than an off-the-shelf policy. With more than 75 years of experience, we create customized insurance programs that protect what you’ve worked so hard to build.
The Middle Market Challenge
Many companies occupy a difficult space in the insurance world. Your risks are too complex for a basic package policy, yet your account may not get the attention it deserves at a national brokerage. The result is often a program that grew by accident: policies added one at a time, limits that haven’t kept pace with revenue, and contract requirements from customers or lenders that your current program doesn’t meet.
Common warning signs include:
- Growth that has outpaced your coverage
- Multiple policies from different carriers
- Overlapping or missing protection
- Property values that haven't been updated
- A claim that was denied or paid less than you expected
- No clear picture of your total cost of risk
- Contracts that shift risk onto your business
- An agent who doesn't know your industry
- Certificates of insurance that take days to get
- Renewals that arrive with rate increases and little explanation
Built for the Complexity of Growing Businesses
Your business has outgrown off-the-shelf policies. More locations, more employees, more contracts, and more exposure call for an insurance program designed around how your company actually operates.
Phelan Insurance Agency builds business insurance programs for companies that need the expertise of a large firm and the attention of a dedicated partner.
Specialized Industry Expertise
Our team works with complex, growing businesses every day across industries including hospitality, transportation, construction, manufacturing, and more.
Advisors, Not Order Takers
We focus on where your business is going, not just what it needs to renew. That perspective shapes every recommendation we make.
Access to Leading Carriers
Our carrier relationships give you access to competitive markets and coverage options not available through every agency.
Customized Insurance for Your Business
We design comprehensive programs that protect your property, operations, people, and balance sheet.
Business Owners Policy
A cost-effective package that combines general liability and commercial property. It's a smart starting point for many small businesses. Learn More →
General Liability
Helps protect your business against claims of bodily injury, property damage, and personal or advertising injury arising from your operations, products, or premises. Learn More →
Commercial Property
Covers your buildings, equipment, inventory, and other physical assets against fire, theft, weather, and other covered perils. Learn More →
Commercial Auto
Protects the vehicles your business owns, leases, or uses, along with liability for accidents involving company drivers. Learn More →
Commercial Umbrella
Adds a layer of protection above your primary liability policies. As jury verdicts continue to rise, higher limits have become essential for most businesses. Learn More →
Directors & Officers
Helps protect the personal assets of your leadership team, and the company itself, against claims alleging mismanagement or breach of duty. Learn More →
Errors & Omissions
Helps protects your business when a client claims your professional services or advice caused them financial loss. Learn More →
Key Person Life Insurance
Helps protect your company from the financial impact of losing an owner or executive who is critical to its success. Learn More →
Builders Risk
Covers structures under construction or renovation, including materials and equipment on site or in transit. Learn More →
Cyber Liability
Covers the costs of data breaches, ransomware attacks, and business email compromise, including forensic investigation, notification, legal defense, and lost income. Learn More →
Workers Compensation
Provides medical care and wage replacement for employees injured on the job and helps protect your business from related lawsuits. Learn More →
Liquor Liability
Helps protect businesses that make, sell, or serve alcohol against claims caused by an intoxicated patron. Learn More →
FAQ
How much business insurance does my company need?
The right coverage depends on your industry, revenue, assets, contracts, and growth plans. A coverage review is the best way to determine appropriate limits and identify gaps in your current program.
Is a business owner's policy (BOP) enough for my company?
BOPs are designed for smaller businesses with simple operations. Most middle market companies need a customized program with higher limits and broader coverage than a BOP provides.
Why are my premiums increasing?
Rates are influenced by market conditions, claims trends, rising litigation costs, inflation in repair and replacement values, and your own loss history. We help you understand what is driving your costs and which strategies can help control them.
When should I start preparing for my renewal?
We recommend beginning the process at least 90 to 120 days before your policy expires. Starting early allows time to gather information, address underwriter concerns, and market your account effectively.
Can you review my current insurance program without changing carriers?
Yes. A review gives you an objective assessment of your coverage. Many clients find value in knowing where they stand, whether or not they make a change.
What happens when I have a claim?
Our team works as your advocate throughout the claims process, helping you report the loss, communicate with the carrier, and pursue a fair and timely resolution.