/ Commercial insurance
Insurance is boring.That’s why we’re here.
You have a business to run. We read the contracts, shop the market, and get the certificate to whoever is asking for it — so none of this has to be your problem. Usually for less than you’re paying now.
Compliance
We read the actual agreement and match the certificate to what it requires — not to a template.
Pricing
Remarketed across our carriers every renewal. Nothing gets quietly rolled over.
Service
A named service team who know your account. Not a queue, not a 1-800 number.
Reviews
Your coverage re-read every year, whether or not anything changed.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
How can we help?
My coverage is being cancelled or non-renewed.
This is the one we are best at and the one with a clock on it. Send us the notice — we place accounts other brokers decline, and the date on that letter is the thing we work backwards from.
A contract needs a certificate.
Usually same day. Tell us who the certificate holder is and what the agreement asks for — or send us the agreement and we will read it.
My agent does not get back to me.
The most common real reason people move, and the easiest to fix. You get named people with direct lines, not a service queue — and a reply the same business day.
My renewal came back higher.
We remarket it across our carriers and show you what we found, including when the answer is that your current policy is already the right one.
I am starting or buying a business.
We will tell you what your contracts and your state require before you sign anything, so the number is not a surprise.
I do not know if I am covered properly.
Send your declarations page. We will read it and tell you what is missing, what is redundant, and what we would leave alone.
/ The unpopular part
Everyone’s covered.Almost nobody’s protected.
Padding a policy isn’t protection. It’s billing.
A lawyer does not need a gas mask, and you do not need whatever your version of one is. No PHI in your systems? You don’t need cyber. Nobody drives for you? Skip the auto endorsement. We’ll tell you what to leave alone — including when the policy you already have is the right one and you should stay exactly where you are.
Send us your policy. We’ll tell you what to cut.Do we cover your business?
We cover all of these, and we have covered each of them hundreds of times. Pick yours to see what your contracts and your state actually require.
- Construction & trade contractorsLandscaping · HVAC · Electrical · Concrete · Excavation
- Food service, bars & restaurantsRestaurants · Bars · Lounges
- Auto servicesAuto repair · Detailing · Dealerships
- Home health & care servicesHome health · Home care · HCBS waiver providers
- Trucking & transportationLong haul · Tankers · Dirt, sand & gravel · Hotshots
- Professional servicesMed spas · Law firms · Accountants
- Medical, dental & veterinaryPhysicians · Dentists · Veterinary
- RetailStorefront retail · Boutiques · Tobacco & vape shops
- Janitorial & cleaningCommercial cleaning · Window washing · Pressure washing · House cleaning
- Film & entertainmentDocumentary · Independents · Commercials · Educational
Not listed? Call — we cover more than this.
What we cover.
The 40 lines businesses ask for most, explained in plain English. They are not the whole list — fiduciary, accountants E&O and legal malpractice among others are all placed. If your contract names something that isn’t here, send it over. We can almost certainly get it.
Every business
The eight nearly every commercial account carries. If you have employees, a vehicle or a lease, most of this list is already on your policy.
- General liability insuranceGL
- Third-party bodily injury and property damage — the line nearly every contract names by default.
- Workers compensation insuranceWork comp
- Required in almost every state the moment you have employees. Priced on payroll and class code, which is why the class code is worth arguing about.
- Commercial auto insurance
- Vehicles the business owns and the people who drive them for work.
- Hired & non-owned auto insuranceHNOA
- Covers vehicles the business does not own but its people drive on the job — rentals, and employees running errands in their own cars. Their personal auto policy will not cover a business trip, and the claim lands on the business.
- Commercial property insurance
- Buildings and contents, valued at what it costs to rebuild today rather than what you paid.
- Business owners policyBOP
- General liability and property packaged together. Cheaper than buying them separately when you qualify, and most small businesses do.
- Umbrella & excess liability insurance
- Extra limit stacked above general liability, auto and employers liability. Usually the cheapest million dollars on the policy.
- Business income insuranceBusiness interruption
- Replaces the profit and pays the ongoing bills while a covered loss keeps you closed — the part of a fire claim that is not the building.
Contractors & trades
What a general contractor, a homebuilder or a municipal contract actually asks for before you can start work.
- Inland marine & equipment insurance
- Tools, equipment and property in transit. It picks up exactly where commercial property stops, which is the moment the item leaves the building.
- Contractors errors & omissions insuranceContractors E&O
- Covers faulty workmanship and professional mistakes — the cost of the work itself being wrong, which general liability excludes by design.
- Contractors pollution liability insuranceCPL
- Bodily injury, property damage and clean-up caused by a pollutant your work released — chemical drift, run-off, fuel spills. The standard general liability form excludes all of it.
- Surety bonds
- License, bid and performance bonds. A bond guarantees you will finish the job — it protects the other party, not you, which is the part most people get wrong.
- Builders risk insurance
- Covers a structure while it is going up, and ends at completion. Not the same as the contractor’s general liability.
Trucking & motor trade
Motor carrier lines, plus the cover for shops and yards that keep other people’s vehicles.
- Trucking auto liability insurancePrimary liability
- The coverage FMCSA requires before your authority goes active, and the largest line on most trucking policies. The federal floor is $750,000 and has not moved since 1980 — brokers ask for $1,000,000 and will not load you below it.
- Truckers general liability insuranceTGL
- General liability written for a motor carrier — the yard, the dock, loading and customer premises. The auto policy answers for the vehicle; this answers for everything else.
- Motor truck cargo insuranceMTC
- The freight itself while you are hauling it. Separate from the liability on the truck.
- Auto physical damage insuranceAPD
- Damage to your own tractor and trailer. Primary liability pays for what you do to everyone else and nothing for your equipment, so without this a rollover you caused leaves you paying off a truck you can no longer run.
- Non-trucking liability insuranceBobtail / NTL
- Covers the tractor when it is being driven outside dispatch — home from the yard, or to the shop. The motor carrier’s primary liability generally responds only while you are under dispatch, and that gap is exactly when an owner-operator is driving on their own time.
- Trailer interchange insurance
- Damage to a trailer you are pulling but do not own, while it is in your possession under a written interchange agreement. Your own physical damage cover follows equipment you own, so an interchanged trailer is unprotected without it.
- Occupational accident insuranceOcc/acc
- Medical and disability cover for owner-operators and contract drivers who sit outside workers compensation. It is not workers comp and does not satisfy a state that requires workers comp — it is what fills the gap where none is required.
- Garagekeepers insurance
- Customer vehicles in your care, custody and control — the exposure every repair shop and dealership has and most standard policies exclude.
Film & entertainment
Production cover, from the certificate a location demands to the policy a distributor will not take delivery without.
- Production package insuranceDICE
- A single renewable policy covering every production a company shoots in the year, rather than one policy per project. Productions carrying stunts, cast cover or animals are scheduled onto it individually.
- Cast insurance
- Pays the cost of shutting down, recasting or reshooting when a scheduled principal cannot perform through injury, illness or death. It is rated per person and requires the cast member to be named and usually examined before cover attaches.
- Props, sets & wardrobe insurance
- Physical loss of the things built or bought for the shoot — sets, props, costumes, and rented furs, jewellery, art and antiques, which sit on their own sub-limit because their values are nothing like the rest.
- Negative film & faulty stock insurance
- Covers reshoot costs when the footage itself is lost or unusable — damaged media, a camera fault, or a processing error. The loss is not the equipment, it is the day of shooting that has to happen again.
- Third party property damage insurance
- Damage to property in your care while you are shooting on it — the location itself, and the fixtures in it. General liability excludes property in your care, custody and control, which is precisely what a location is.
- Stunts & pyrotechnics insurance
- Cover for productions running stunt work, vehicle action or pyrotechnics. The standard production policy carries a printed stunt and pyrotechnic exclusion, so this is not a limit that quietly sits there — the production has to be scheduled and underwritten before the exclusion comes off.
- Animal mortality & injury insurance
- Death, illness or injury to animals working on a production, and the extra expense of shooting around one that cannot perform. Excluded by name on a standard production form alongside stunts and pyrotechnics, and scheduled the same way.
- Media errors & omissions insuranceMedia E&O
- Covers claims arising from the content itself — copyright, trademark, defamation and rights clearance. No distributor or streamer accepts delivery of a finished film without it.
Professional & management
The claims that come from advice, decisions and data rather than from anything physical going wrong.
- Professional liability insuranceE&O
- Covers the advice, the drawing, the diagnosis — the work itself, rather than someone getting hurt on your premises.
- Cyber & tech E&O insurance
- Breach response, ransomware and the notification costs that follow. Technology errors and omissions sits on the same policy and covers the software or service itself failing a client, which is the half most tech companies find out about too late.
- Directors & officers insuranceD&O
- Protects the personal assets of the people running the company when they are sued over a management decision. It applies to private companies and nonprofit boards, not just public ones — a common and expensive misunderstanding.
- Key person & buy-sell funding insurance
- If an owner or an irreplaceable employee dies, this is the money that keeps the business running and funds the buy-sell agreement so the surviving owners can buy out the estate instead of ending up in business with it.
- Employment practices liability insuranceEPLI
- Wrongful termination, discrimination and harassment claims brought by your own employees. General liability specifically excludes these.
- Crime & employee dishonesty insurance
- Theft by your own staff, funds transfer fraud, and the dishonesty bond a home care contract will ask you for by name.
Hospitality, venues & care
Bars, restaurants, events and anyone responsible for people on their premises or in their care.
- Sexual abuse & molestation insuranceSAM
- Covers allegations of abuse by staff or volunteers. General liability usually excludes it outright, and any organisation working with children, patients or vulnerable adults will be asked to carry it by name.
- Liquor liability insurance
- If you serve alcohol, your general liability almost certainly excludes what happens after you serve it.
- Equipment breakdown & spoilage insurance
- Covers the walk-in, the compressor and the line when they fail from the inside — a mechanical or electrical breakdown is excluded by property policies, and the stock that thawed goes with it.
- Food contamination insurance
- Pays for the destroyed stock, the deep clean, the lost income and the publicity when a health department closes you or a supplier contaminates a batch.
- Assault & battery insuranceA&B
- A fight in a bar is an intentional act, and general liability excludes intentional acts — so the claim most likely to arrive from a late-night venue is the one most often uninsured.
/ What we take off
Ask us what to drop.Nobody else will.
You just read 40 coverages. You do not need 40.
Send us the policy you have now and we’ll go through it line by line: what your trade genuinely needs, what is doing nothing, and what has been quietly renewing every year because nobody ever questioned it.
Send us your policyThe person reading your contract used to work your job.
A big brokerage cannot say this and mean it. Here it is checkable: these are the names on the emails.
Film & entertainment
Kevin Kelsey
Founder | Principal Agent
Fifteen years editing television before insurance — Emmy-nominated for The Muppets Mayhem, with Shark Tank, Big Brother, Dancing with the Stars and Wheel of Fortune on the credit list. Film exposures get read here by someone who has been on the crew list rather than someone reading a rate manual.
IATSE Local 700 member
Quote film and entertainment insurance →
Construction, landscaping & trades
Joe Gorman
Co-Founder | President of Commercial Lines
Came up in construction, on site and in the office, then moved into sales. Went out on a limb to become Boring’s first dedicated producer when the agency had no producers at all — and now leads the producer team. Landscaping is the class he writes most: grounds maintenance, tree work, irrigation and the spray operations that push an account out of preferred appetite.
Quote contractor insurance →
Trucking & transportation
Lori Adams, TRS
Commercial Trucking Insurance Advisor
Twenty-five years in trucking insurance. Knows the filings, the radius rules and the carriers that will actually take the risk.
Transportation Risk Specialist (TRS)
Quote trucking insurance →
Retail · Client services
Justine Elgner
Commercial Lines Account Manager
Leads the client services team. Managed retail stores before insurance, so she has stood behind the counter the policy is protecting.
Quote retail insurance →
Client services
Ana Belen Davila Lazo
Client Services Associate
On the client services team, handling certificates, policy changes and ID cards — the requests that are urgent to the person asking and routine to everyone else.
Contractors & small commercial
Brian Victores
Commercial Insurance Advisor
Licensed in nearly every state, working contractors and small commercial — general liability, workers comp and commercial auto. Runs on the principle that the best insurance experience is a boring one: straight answers, fast quotes, no surprises.
Quote bar and restaurant insurance →
Don’t take our word
5.0 ★across our Google reviews. Every one of them five stars.
“They stay on top of our rates and premiums. They notify us of any potential increase and automatically shop all options to ensure we get the best possible rates. When we initially switched to them they literally cut our premiums in half for both of our companies…”
Mario Corral, Metro Landscape Maintenance Inc · May 2026 · Google
“I am in the Motion Picture industry and had a big job that required a large insurance policy. These are the only people that I know that were able and attentive to get it done. I would not be able to operate my company if it wasn’t for them.”
Oscar Branham · May 2026 · Google
“His repsonse times and willingness to communicate on my behalf have been unmatched…”
Rachel Jarrell · May 2026 · Google
“He has all of our trucks for Wheelzdown…a Hotshot trucking Co. out of Wisconsin… proving that even across the country, they can offer exceptional customer service, and he does! The best rates around and great customer service, what more can someone ask for?”
Jonah Curtis, Wheelz Down · May 2026 · Google
“Kevin is great at breaking down what the insurance lingo to explain what it means. Not only do they help you get the best insurance coverage, but they’ve taken the time to teach me about it…”
Ethan Proud · May 2026 · Google
“I greatly appreciate the efficiency and dedication that Joe, Justine, and Kevin have demonstrated in handling our requirements for commercial and workers’ compensation policies whenever we have needed them. I recommend this agency 100%…”
Accountax Business Services · Jun 2026 · Google
The things people ask before they call.
How fast can I get a certificate of insurance?
Usually the same business day, and often within the hour, if the policy is already in force with us. Send the certificate holder’s exact name and address and the requirements from the contract — those are the two things that hold a certificate up. If the contract asks for an additional insured endorsement or a waiver of subrogation, say so up front, because those change the policy rather than just the paperwork.
Why is the agency called Boring?
Because insurance is boring, and pretending otherwise is how people end up with policies they do not understand. The actual work is reading contracts, checking endorsements and catching the renewal before it lapses — unglamorous, and the entire value is that somebody does it carefully. The name sets the expectation: nothing exciting should ever happen to your insurance. No relation to The Boring Company — we quoted them once, and that is the full extent of it. We are not a directional boring contractor either, though we insure plenty of those.
My renewal went up. Can you actually beat it?
Sometimes, and sometimes not. We remarket the risk across our carriers and show you what came back, including the cases where your current policy is already the best price available. A rate increase driven by a hard market or by your own loss history will follow you to every carrier, and moving for the sake of moving costs you loss-run continuity. We will tell you which one you are looking at.
What coverage does my contract actually require?
Send us the agreement and we will read it. Most commercial contracts specify a general liability limit — one million per occurrence and two or three million aggregate is the common floor — plus workers compensation, and frequently commercial auto, an additional insured endorsement, a waiver of subrogation, and primary and non-contributory wording. Those endorsements are where compliance actually fails: the limits are usually fine and the wording is usually missing.
What states are you licensed in?
All fifty, plus the District of Columbia. That is unusual for an agency this size and it is the reason we can keep a client who opens a second location somewhere we have never written before — you are not handed off to a stranger because you crossed a state line.
What does commercial insurance cost?
It depends on your class code, your payroll or revenue, your limits and your loss history, so any number quoted before those are known is a guess. What we can tell you is which of those inputs is driving your price and which of them you can change — class code misclassification and a limit set higher than any contract requires are the two most common reasons a business overpays.
Do you only work with large businesses?
No. Most of the book is small and mid-sized commercial — contractors, trucking, auto services, home health agencies, restaurants, retail and professional practices — including single-truck operators and owner-operator trades.
/ Boring Insurance
Tell us the situation.We handle the rest.
Body armour is somebody else’s idea of thorough.
Tell us what you actually do all day and we’ll tell you what that genuinely needs — even when it means a smaller premium than the one you’re paying today.