Commercial Insurance That Works as Hard as You Do

Protecting your business, your employees, and everything you’ve built — with coverage designed for your industry.

Not quite what you expected, or need help fine-tuning your coverage? We’re here for you. Visit our Contact Us page & a live agent will contact you to assist with your insurance needs.

Running a business means managing risk every single day. At Rizo Insurance Group, we help business owners across every industry find the right commercial coverage — from general liability to specialized policies for contractors, restaurants, and trucking fleets. We’ll do the legwork so you can focus on running your business.

Bonds

Surety bonds guarantee that a business will fulfill its contractual or legal obligations. Whether you need a license and permit bond, a contractor bond, or another type of surety bond, we’ll help you secure the right bond to meet licensing or contract requirements.

Builders Risk

Covers buildings and structures under construction or renovation against damage from fire, theft, vandalism, and certain weather events. Builders risk insurance protects your investment during the vulnerable window between breaking ground and project completion.

Businessowners Policy (BOP)

A BOP bundles general liability and commercial property coverage into a single, cost-effective policy — designed for small to mid-sized businesses. It’s an efficient way to protect your physical location, equipment, and liability exposure under one plan.

Commercial Umbrella

Commercial umbrella insurance provides an extra layer of liability protection above your existing general liability, auto, or other commercial policies. When a claim exceeds your underlying policy limits, umbrella coverage helps protect your business assets from significant financial loss.

Commercial Auto / Fleets

If your business owns, leases, or operates vehicles, commercial auto insurance covers liability and physical damage for cars, trucks, and vans used for business purposes. Fleet coverage options are available for businesses managing multiple vehicles.

Contractors General Liability

Protects contractors from claims of bodily injury, property damage, and completed operations issues that can arise on the job. Whether you’re a solo contractor or run a full crew, general liability is the foundation of protecting your business from everyday risks on the job site.

Cyber Liability

Data breaches and cyberattacks can happen to businesses of any size. Cyber liability insurance helps cover the costs of data breaches, ransomware attacks, and other cyber incidents — including notification costs, legal fees, and recovery expenses.

Flood

Standard commercial property policies typically exclude flood damage, leaving your building, inventory, and equipment exposed. Commercial flood insurance protects your business from the financial impact of flooding, whether it’s caused by storms, heavy rain, or rising water — even outside of high-risk flood zones.

Liquor Liability

If your business manufactures, sells, or serves alcohol, liquor liability insurance protects you from claims related to injuries or damages caused by an intoxicated patron. This coverage is essential for bars, restaurants, and event venues that serve alcohol.

Professional Liability / E&O

Also known as Errors & Omissions insurance, this coverage protects professionals and service-based businesses from claims of negligence, mistakes, or failure to deliver promised services. If your business gives advice or provides a professional service, this coverage helps protect you from costly claims and legal fees.

Restaurant Insurance

Restaurants face unique risks — from kitchen fires and equipment breakdown to slip-and-fall claims and food-related liability. Restaurant insurance combines property, liability, and specialized coverage options to protect your establishment from the risks specific to the food service industry.

Trucking / Transportation

Trucking and transportation businesses face unique exposures on the road — from cargo damage to liability for accidents involving commercial vehicles. We help trucking companies and owner-operators find coverage for auto liability, physical damage, cargo, and more.

Special Events

Hosting a wedding, festival, fundraiser, or corporate event? Special events insurance provides short-term liability coverage to protect you against accidents, property damage, or cancellations — often required by venues before they’ll let you book the date.

Let's Protect What You've Built

Every business is different — let’s find coverage tailored to your industry and risk.