Commercial Insurance
Protect your business like you built it
Running a business means taking on real risks every day. We help small business owners find the right commercial coverage to protect their livelihood, their team, and their customers.
What does commercial insurance cover?
Commercial insurance is a broad category of policies designed to protect businesses from financial losses due to property damage, liability claims, employee injuries, and more. As an independent agency, we work with multiple carriers to build a coverage package tailored to your specific industry and business size.
Coverage options
General Liability
Covers bodily injury and property damage claims made by third parties — customers, vendors, or visitors — arising from your business operations.
Commercial Property
Protects your business's physical assets — building, equipment, inventory, and furniture — from fire, theft, vandalism, and other covered perils.
Business Owner's Policy (BOP)
A bundled policy combining general liability and commercial property coverage, typically at a lower cost than purchasing each separately. Ideal for small businesses.
Workers' Compensation
Required in most states, this covers medical expenses and lost wages for employees injured on the job, and protects your business from related lawsuits.
Professional Liability (E&O)
Covers claims of negligence, errors, or omissions in the professional services you provide. Essential for consultants, contractors, and service businesses.
Commercial Auto
Covers vehicles used for business purposes — company cars, delivery vans, or work trucks — with liability, collision, and comprehensive options.
Cyber Liability
Protects your business from the financial fallout of data breaches, cyberattacks, and privacy violations — increasingly important for any business handling customer data.
Business Interruption
Covers lost income and operating expenses if your business is forced to temporarily close due to a covered property loss.
Why get your commercial insurance through Chely?
Industry-specific expertise
We understand the unique risks of different industries and help you build a coverage package that fits your business — not a generic one-size-fits-all policy.
Multiple carrier options
As an independent agency, we shop multiple commercial insurers to find you the best combination of coverage and price.
Annual coverage reviews
Your business changes — your coverage should too. We review your policies annually to make sure you're never over- or under-insured.
Claims advocacy
When a claim happens, we're in your corner — helping you navigate the process quickly so you can get back to business.
Frequently asked questions
Let's protect your business
Tell us about your business and we'll find the right coverage at the right price.