Business Insurance
Workers’ Compensation
Workers’ Compensation coverage provides protection when employees are injured or become ill as a result of their work. It covers required medical benefits, wage replacement, and other statutory obligations under state law.
For many businesses, Workers’ Compensation is not only a legal requirement but also a contractual one. Clients, property managers, and general contractors often require proof of coverage before work can begin.
Waypoint Insurance Services, LLC works with businesses to structure Workers’ Compensation coverage that reflects payroll exposure, job classifications, and operational risk. We also assist businesses that need Workers’ Compensation certificates issued quickly to meet job or contract requirements.
Employers’ Liability coverage is included as part of Workers’ Compensation and provides protection against certain employee-related lawsuits that fall outside standard Workers’ Compensation statutes. Higher Employers’ Liability limits may be required for higher-risk operations or contract-driven work.
General Liability
General Liability coverage helps protect businesses against claims of bodily injury, property damage, and personal injury arising from normal business operations.
This coverage is a foundation for most commercial insurance programs and is commonly required by contracts, leases, and client agreements. It also includes Products & Completed Operations Liability, which applies to claims that arise after work has been completed or products have been delivered.
Waypoint Insurance Services, LLC helps clients structure General Liability coverage that aligns with how work is performed, where it is performed, and the contractual requirements imposed by clients or vendors. This may include higher limits, additional insured endorsements, and specialized policy wording where needed.
Commercial Auto
Commercial Auto coverage protects vehicles used in business operations, including owned, hired, and non-owned vehicles.
Businesses that rely on trucks, vans, or service vehicles face exposures that extend beyond personal auto policies. Accidents involving business vehicles can result in significant liability, especially when vehicles are used regularly, carry equipment, or transport goods.We work with clients to evaluate vehicle usage, driver exposure, and liability limits to ensure Commercial Auto coverage aligns with both operational needs and contractual obligations. For businesses with increased exposure, Commercial Auto is often paired with Umbrella & Excess Liability for additional protection.
Professional Liability
Professional Liability coverage, also known as Errors & Omissions (E&O), helps protect businesses against claims arising from professional services, advice, or errors in performance.
This coverage is important for businesses whose work involves specialized knowledge, technical services, consulting, or professional judgment. Even when no physical damage occurs, allegations of mistakes or omissions can result in costly claims.
Waypoint Insurance Services, LLC works with clients to identify professional exposures and structure coverage that aligns with the services being provided, contractual obligations, and client expectations.
Property Insurance
Property Insurance helps protect buildings, contents, equipment, and business personal property from covered causes of loss such as fire, theft, vandalism, and certain weather-related events.
Whether property is owned or leased, and whether operations are conducted from a single location or multiple sites, property coverage plays a key role in business continuity following a loss.
We help clients structure Property Insurance that reflects the value of physical assets and integrates properly with other coverages to reduce gaps, overlaps, and unexpected exclusions.
Employment Practices Liability (EPLI)
Employment Practices Liability Insurance (EPLI) helps protect businesses against claims related to employment practices, including allegations of wrongful termination, discrimination, harassment, or retaliation.
As businesses grow and add employees, supervisors, or management layers, employment-related exposure increases. Even well-run businesses can face claims stemming from internal disputes or personnel decisions.
Waypoint Insurance Services, LLC helps clients evaluate employment-related risk and structure EPLI coverage as part of a broader risk management strategy that supports growth and internal operations.
Umbrella & Excess Liability
Umbrella & Excess Liability coverage provides additional layers of protection above underlying policies such as General Liability, Commercial Auto, and Employers’ Liability.
This coverage is commonly required by contracts, vendors, and clients, and is often necessary for businesses with higher risk exposure or expanding operations. Umbrella and Excess policies help protect against large or unexpected claims that exceed primary policy limits.
We work with clients to structure Umbrella & Excess Liability programs that align with contractual requirements, carrier expectations, and the overall insurance program.
Builders Risk / Project Insurance
Builders Risk, also known as Project Insurance, provides temporary property coverage for buildings and structures while they are under construction or renovation.
This coverage protects the value of the project itself, including materials and work in progress, during the course of construction. It is often required by project owners, lenders, or contracts, and coverage responsibilities may vary depending on the agreement.
Waypoint Insurance Services, LLC assists clients in determining when Builders Risk is required, who should carry the coverage, and how it should be structured to align with project scope and contractual obligations.
Equipment & Tools Coverage
Equipment & Tools Coverage helps protect the tools, machinery, and mobile equipment businesses rely on to operate day to day. This coverage is designed for equipment that is frequently moved between job sites, transported in vehicles, or stored temporarily off-site.
Many businesses assume their tools and equipment are covered under Property or Auto policies. In most cases, they are not. Equipment & Tools Coverage helps fill that gap by providing protection for essential assets used in the field.
This coverage is commonly used by:
Construction and specialty trade contractors
Landscaping and property maintenance companies
Janitorial and cleaning businesses
Service and maintenance operations
Covered equipment may include:
Hand tools and power tools
Cleaning machines and equipment
Landscaping equipment and machinery
Mobile equipment used away from a fixed location
Coverage can help protect against loss or damage caused by events such as theft, vandalism, fire, or accidental damage, helping reduce downtime and financial disruption.
Waypoint Insurance Services, LLC works with clients to structure Equipment & Tools Coverage that aligns with how equipment is used, transported, and stored ensuring protection keeps pace with daily operations.
