Insurance Solutions for Small Businesses, Property Owners, and Growing Companies
Running a business comes with risk. Whether you operate from a commercial location, work from home, manage employees, own business vehicles, sell products, or serve clients professionally, the right insurance program can help protect what you have built.
Foray Insurance Group LLC helps business owners evaluate coverage options based on their operations, contracts, assets, employees, vehicles, and growth plans.
Core insurance solutions designed to protect your business operations, property, people, and assets from the ground up.
Business Owners Policy (BOP)
A BOP can combine general liability and business property coverage into one policy for eligible small businesses. May also include business income coverage, equipment coverage, and other important protections depending on the carrier and business type.
Helps protect buildings, business personal property, inventory, equipment, furniture, fixtures, and other physical assets from covered losses. Important for property owners, tenants, retailers, manufacturers, and offices. space
Helps protect a business from certain claims involving bodily injury, property damage, personal injury, and advertising injury. Many leases, contracts, vendors, and clients may require proof of general liability coverage. space
May be needed when vehicles are owned, leased, rented, or used for business purposes. Coverage can include liability, physical damage, hired and non-owned auto, and other options depending on vehicle use.
Provides additional liability limits above certain underlying policies such as general liability, commercial auto, and employers liability. Especially important for businesses with larger contracts or higher asset values.
Helps provide benefits for employees who are injured or become ill due to work-related causes. Coverage requirements vary by state, but many employers need workers compensation once they have employees.
A home based business may not be fully covered by a homeowners insurance policy. Depending on the business, coverage may be needed for business property, liability, professional services, products, inventory, or customer interactions.
Beyond the core policies, a comprehensive business insurance program may include specialized coverages tailored to your industry, operations, and unique risk exposures.
Professional Liability
Also known as errors and omissions insurance. Helps protect businesses that provide advice, services, or professional expertise from related claims.
Cyber Liability
Helps address risks involving data breaches, ransomware, business email compromise, privacy incidents, and other cyber-related losses.
Employment Practices Liability
EPLI helps protect a business from employment-related claims involving discrimination, harassment, wrongful termination, and related allegations.
Inland Marine
Helps protect tools, equipment, materials, and property that moves between locations or is used at jobsites away from a fixed business location.
Equipment Breakdown
Addresses certain losses involving mechanical, electrical, or pressure system breakdowns that may not be covered under standard property policies.
Business Income Insurance
Helps replace lost income after certain covered property losses disrupt normal business operations, keeping your business financially stable during recovery.
Crime Insurance
Helps protect against certain losses involving theft, employee dishonesty, forgery, fraud, and other crime-related exposures that can affect any business.
Directors and Officers
D&O insurance helps protect directors, officers, board members, and organizations from certain management-related claims and decisions.
Key Person Insurance
Helps a business prepare for the financial impact of losing an owner, executive, or essential employee whose absence could disrupt operations.
Builders Risk Insurance
Helps protect property during construction or renovation projects from covered losses before a building is complete and occupied.
Surety Bonds
Certain businesses may need bonds to meet licensing, contract, construction, or regulatory requirements in their industry or jurisdiction.
Liquor Liability
Businesses that serve or sell alcohol may need liquor liability coverage depending on their operations and applicable state requirements.
Garage Liability
Auto-related businesses may need garage liability, garage keepers, dealer open lot, and other specialized coverages for their unique operations.
Environmental Liability
Helps businesses address certain pollution, contamination, cleanup, or environmental liability exposures that may arise from their operations or property.
Whether you own rental property, manage a business, serve clients as a referral partner, or need personal insurance guidance, Foray Insurance Group is ready to help.
Contact Information
Foray Insurance Group LLC Independent Insurance Agency
Foray Insurance Group LLC is an independent insurance agency. Insurance products are subject to carrier availability, underwriting approval, policy terms, conditions, and exclusions.