Protect What You
Built From Scratch.
One lawsuit. One fire. One uninsured employee injury. Without the right coverage, a single event can shut down everything you've worked to build. We make sure that never happens.
What One Uninsured Event Really Costs
Most small business owners find out what they're missing at the worst possible moment. Don't let this be you.
Complete Business Protection
From your first policy to a full coverage review — we make sure every angle is protected.
Business Owner's Policy (BOP)
Property + liability bundled in one affordable policy. The foundation every small business needs.
- Commercial property coverage
- General liability included
- Business income / lost revenue
- Equipment breakdown coverage
- Cyber liability add-on ($60/yr)
General Liability
Protects you from the most common small business lawsuits — customer injuries and property damage.
- Bodily injury claims
- Property damage you cause
- Products & completed operations
- Legal defense costs paid
- Additional insured capability
Workers' Compensation
Mandatory if you have employees. Protects your workers — and shields your business from costly lawsuits.
- Employee medical bills covered
- Lost wage replacement
- Employer's liability protection
- Pay-as-you-go options available
- Sub-contractor risk transfer
Commercial Auto
If you or employees drive for work, your personal auto policy leaves you completely exposed.
- Business use coverage
- Hired & non-owned auto
- Tools & equipment in vehicle
- Fleet coverage available
Cyber Liability
43% of cyberattacks target small businesses. One breach averages $200K in recovery costs.
- Data breach response costs
- Ransomware & extortion
- Business interruption (cyber)
- Customer notification costs
- Add to BOP for just $60/yr
EPLI — Employment Practices
1 in 5 small businesses face an employment claim. Wrongful termination, harassment, discrimination.
- Wrongful termination claims
- Discrimination allegations
- Sexual harassment coverage
- $15K identity recovery for staff
- Available for all BOP classes
We Know Your Business Type
Specialized programs for over 50 business categories — not generic one-size-fits-all policies.
Don't see yours? We likely cover it. Ask us.
We Shop Multiple Carriers for You
As an independent agency, we're not locked into one company. We find your best fit.
What Business Owners Say
"Markens found coverage gaps in our salon policy we didn't even know existed. Realizing the risks, we now have true peace of mind."
"When we had a claim, everything was handled smoothly. The right coverage made all the difference. I'm grateful we had it."
"No pressure. Clear advice. He made sure our business was covered the right way — not just sold a policy and forgotten."
Getting Covered Is Easy
Answer a Few Questions
Takes 60 seconds below
We Review Your Business
We find gaps & best options
We Present Your Options
Clear, plain-language choices
You Choose Your Plan
No pressure, ever
Protection Goes Into Effect
Fast. You're covered.
Protect Your Business the Right Way
Answer a few questions and we'll reach out within 24 hours with your personalized business coverage review.