Find the Right Coverage for Your Business
Suracy offers a broad suite of commercial insurance products designed to help protect any business, any size.
Supported by guidance to help you choose coverage that fits your operations and risk profile.
Coverage Options
Businessowners’ Policy
A Businessowners’ Policy (BOP) bundles general liability and commercial property coverage into a single, cost-effective package, making it one of the most practical starting points for small and mid-sized businesses.. A BOP typically covers third-party bodily injury, property damage liability, owned buildings, equipment, inventory, and business interruption losses caused by events like fire, theft, or storm damage. Coverage is customizable, so businesses can tailor a BOP to their specific risk profile. Note: auto, workers’ compensation, and disability coverage cannot be included in a BOP.
Commercial Auto Insurance
Most business have at least one company vehicle used to transport employees, deliver goods, or carry out other important business functions. In many cases, businesses have fleets of vehicles that often are at the core of their profitability. Suracy’s commercial auto insurance solutions are designed to offer protection in the event of auto accidents or incidents. Commercial auto insurance helps shield businesses from severely detrimental accident-related claims while allowing them to meet minimum coverage requirements legally required by states.
Commercial Property
There are many risks associated with running a business. If a fire breaks out, a theft occurs, or a natural disaster hits, shut down or interruption of any kind can be expensive. When these kinds of events happen, protection in the form of commercial property insurance can help ease the financial burden associated with an unplanned disaster.
Cyber Liability Insurance
From national health systems to credit card companies to email providers, the size and scope of cyber attacks in recent years has grown and it continues to do so. Millions of email logins have been compromised, companies’ trade secrets have been exposed, and countless consumers’ financial data has been made insecure. In other words, the threat from cyber piracy is very real, and it’s one that businesses of all sizes need to take seriously. Hackers’ tactics are constantly evolving, and even the most secure data protection measures are no guarantee against a breach. That’s where cyber liability insurance comes in.
Directors & Officers
Serving as a director or officer for a company or organization can be rewarding, but it is not without its risks. Directors & Officers (D&O) insurance can help protect people serving in director and/or officer roles from experiencing personal losses in the event that they are personally sued for actual or alleged wrongdoing while carrying out their duties. Lawsuits are usually brought on by the organization’s employees, vendors, customers, competitors, investors, or other parties. Typically, directors & officers insurance can also help protect the company. Most individuals serving as directors or officers request the provision of D&O insurance.
General Liability Insurance
Businesses of all sizes are susceptible to accidents, and even the most safety-conscious environments can have unforeseen events. If a third party is injured or its property is damaged due to alleged negligence, then the business could be subjected to a lawsuit. High litigation costs can drive a business into financial peril, which is why it’s important to secure general liability insurance.
Disability
Disability insurance helps protect your financial stability when an illness, injury, or medical condition prevents you from working and earning an income. Whether the disability is temporary or long-term, this coverage can replace a portion of your lost wages, helping you pay for essential expenses such as mortgage or rent payments, utilities, groceries, and other everyday costs. Disability insurance provides valuable peace of mind by ensuring that you and your family can maintain financial security while you focus on recovery and returning to work.
Professional Liability Insurance
Professional Liability Insurance, otherwise known as Errors and Omissions Insurance (E&O), helps protect people who earn a living off their expertise in a specific area such as lawyers, engineers, and doctors. It can help pay for lawsuits if a client accuses your business of negligence, failing to deliver, and work mistakes. Mistakes can happen and regardless of if you did anything wrong or not, if you do not have professional liability coverage, you could be stuck with expensive out of pocket legal costs.
Workers’ Compensation
Workers’ compensation often limits or even prevents employees from taking legal action against their employer if they fall ill or get hurt on the job. At the same time, employees receive a form of financial relief if something happens to them due to a work-related incident. Almost every state mandates that businesses are legally required to carry workers’ comp for their employees. However, the scope and type of required coverage varies depending on specific business needs from each state to the next. While some states provide a government insurance plan, in most cases businesses must purchase workers’ comp through a private insurer, and Suracy can help with that.
Bonds
Surety bonds provide a financial guarantee that contractual, legal, or regulatory obligations will be met. Many businesses are required to carry bonds to obtain licenses, secure contracts, or comply with industry regulations. A bond helps protect customers, project owners, and government agencies by providing assurance that work will be completed as agreed and that applicable laws and standards will be followed. Whether you need a contractor bond, license bond, fidelity bond, or another type of surety bond, Suracy can help you find the right solution quickly and efficiently.
Frequently Asked Questions
Suracy supports a wide range of small and mid-sized businesses across many industries. Eligibility and available coverages can vary by location and business type.
A BOP can be a strong starting point, but many businesses also need add-ons or separate policies (such as workers’ comp, commercial auto, cyber, or professional liability) depending on operations and contractual requirements.
Suracy can help you review your existing coverage, compare options, and coordinate a smoother transition, often timed around renewal to avoid gaps.
Suracy offers specialty insurance support and program management for franchises and businesses with unique coverage or compliance needs.
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