Start with the basics and what you need help protecting.
Tell us what the business does, where it works, and what prompted the request. Add current policies or supporting documents if you already have them.
Commercial Insurance for Business Owners
Commercial insurance
for how your business
works.
BLIS helps you protect your people, property, vehicles, contracts, and revenue without making insurance another full-time job. We explain your options in plain English and stay available for certificates, policy changes, claims questions, and renewals. Start with your industry below.
Choose your industry for a shorter, more relevant path—or use the general quote form if none is an exact match.
The BLIS Difference
Commercial insurance that
respects your time.
BLIS starts with your business: what you do, what you have built, and what could interrupt it. We make the details easier to manage so you can compare coverage, price, and service with more confidence.
Options That Fit
We look for insurance options that make sense for your type of business, location, and history.
Fit mattersQuestions That Make Sense
Your quote path adjusts to your industry, so you spend less time answering questions that do not apply.
Less guessworkClear Pricing Context
We explain how your team, vehicles, locations, work, and claims history can affect the price you see.
Price explainedCoverage Comparison
When options are available, compare premium alongside limits, deductibles, exclusions, and payment terms.
Terms comparedA Better-Prepared Request
We help organize your information and spot missing details before they slow the process down.
Ready to moveHelp After You Buy
Once your policy is in place, BLIS helps with certificates, policy changes, audits, renewals, and claim questions.
Service continues
What we cover
Start with the part of your business you want to protect.
Find guidance for your state, industry, business type, and coverage needs—then take the next step without having to learn insurance language first.
- 5Licensed StatesCalifornia, Nevada, Arizona, Texas, and Florida.
- 20Types of CoveragePlain-English guides to core commercial coverages.
- 11Industry GuidesIndustry-specific guides currently available.
- 86Business GuidesFocused guides for specific operations.
Coverage
Protect the parts of your business that keep it moving.
Most businesses need more than one type of coverage. These guides explain what each policy is designed to protect, when it may matter, and what to have ready when you ask for a quote.
Examples below are hypothetical and illustrative — they show how a coverage can respond, not a promise that any specific claim will be covered.
Workers' Compensation
Helps employees access covered medical care and wage benefits after a work-related injury or illness, while helping the business meet applicable state requirements.
General Liability
Helps protect the business when someone claims its work, products, premises, or advertising caused injury or property damage.
Commercial Auto
Helps protect the business from covered accidents involving company vehicles and can also help pay to repair or replace insured vehicles when selected.
Commercial Property
Helps protect buildings, equipment, inventory, furniture, and other business property from covered damage or loss.
Business Owners Policy
Brings common property, general liability, and business income protection together in one policy for eligible businesses.
Commercial Package Policy
Combines selected business coverages in a flexible package built around locations, property, business activities, and contract needs.
Professional Liability
Helps protect the business when a client says its advice, design, service, or professional work caused a financial loss.
Umbrella / Excess
Adds another layer of liability protection above selected business policies when a covered claim exceeds their limits.
Inland Marine / Equipment
Helps protect eligible tools, equipment, and materials while they travel, sit at job sites, or operate away from the main business location.
Motor Truck Cargo
Helps protect a transportation business when customer freight is lost or damaged while in its care during transit.
EPLI (Employment Practices Liability)
Helps protect the business against covered claims involving wrongful termination, discrimination, harassment, retaliation, and other workplace allegations.
Cyber Liability
Helps a business respond to covered data breaches, ransomware, system outages, privacy claims, and related recovery costs.
Every line, one guide.
All 20 coverage lines in one directory — what each one answers, and who tends to carry it.
Browse all coverage
Need several types of coverage? Tell us about your business once, and we can help you sort through the right combination.
Request a quoteIndustries
Insurance that starts with how your business really works.
Insurance should reflect the work you actually do—not just the label on your business. Choose the closest match to see the risks, coverage, and day-to-day service needs that commonly matter for businesses like yours.
The examples below are simplified illustrations; actual coverage depends on the policy.
Protect your crews, jobsites, vehicles, tools, and contracts as the work and business grow.
Risks to plan for
- Jobsite injuries
- Tools and equipment
- Work performed by subcontractors
- Property damage
- Problems discovered after a job is finished
- Contract requirements
Example scenario
Damage to finished work
Another subcontractor damages finished work at a jobsite. General liability, builder’s risk, or another policy may apply depending on who caused the damage, whose property was affected, and the policy exclusions.
Protect your trucks, drivers, cargo, and routes with insurance built around how your fleet runs.
Risks to plan for
- Auto liability
- Cargo
- Driver history
- Radius
- Physical damage
- Fleet growth
- DOT/authority requirements
Example scenario
Highway collision
A highway crash can create both a liability claim and damage to your own truck at the same time. Different parts of the policy may apply to each loss.
Protect your tow trucks, drivers, customers’ vehicles, storage lots, and roadside work with towing-specific coverage.
Risks to plan for
- Customer vehicles while being towed
- Garagekeepers
- Roadside recovery
- Driver history
- Storage lots
- Limited insurance options for some operations
Example scenario
Vehicle damaged in tow
A customer’s vehicle is damaged during recovery. On-hook coverage may apply when the vehicle and event meet the policy’s terms, limits, and exclusions.
Protect route vehicles, drivers, and package-handling work as mileage, staffing, and delivery volume change.
Risks to plan for
- Route drivers
- Delivery vehicles
- Package handling
- Hired/non-owned auto
- High mileage and turnover
Example scenario
Backing collision on route
A delivery driver backs into a parked car at a route stop. Commercial auto liability may respond to the covered third-party property-damage claim.
Keep your route fleet, drivers, employees, and contract requirements working together as the operation changes.
Risks to plan for
- Contracted route operations
- Driver pools
- Branded-neutral van fleets
- Package handling
- Contract insurance requirements
Example scenario
Loading injury
A driver is hurt while loading packages. Workers’ compensation may provide benefits when the employee and business are covered; state law and policy terms determine what applies.
Protect your crews and equipment while working at client locations and caring for property you do not own.
Risks to plan for
- Client property damage
- Employee injury
- Equipment
- Off-site work
- Contract insurance requirements
Example scenario
Flooring damage at a client site
Cleaning equipment damages a client’s floor. General liability may apply, but exclusions for property in your care or the area where you are working can affect coverage.
Protect your people, machinery, products, property, and production when a basic policy no longer keeps up.
Risks to plan for
- Production machinery
- Employee injury
- Product liability
- Property and equipment breakdown
- Business interruption
Example scenario
Press malfunction
A press malfunctions and injures an operator. Workers’ compensation and equipment breakdown coverage may address different parts of the event when each policy’s requirements are met.
Protect property, equipment, vehicles, and seasonal employees through the changing demands of the year.
Risks to plan for
- Farm equipment
- Seasonal labor
- Property and crops
- Vehicles
- Pollution/chemical handling
- Weather
Example scenario
Tractor rollover
A tractor rollover injures a seasonal employee. The worker’s injury and the equipment damage are handled separately under state law and the applicable policies.
Protect your inventory, property, customers, products, and delivery activity on the floor and beyond the storefront.
Risks to plan for
- Customer injury
- Inventory and property
- Product liability
- Theft
- Business interruption
- Delivery vehicles
Example scenario
Slip-and-fall in a store
A customer slips on a wet floor and is hurt. General liability may respond to a covered premises claim, subject to policy terms and the facts.
Protect your practice, staff, patient information, property, and professional work while you focus on care.
Risks to plan for
- Professional liability
- Patient records and data
- Employee injury
- Property
- Licensing and regulatory requirements
Example scenario
Alleged error in care
A patient alleges an error in care. Professional liability may help with defense costs and covered damages, subject to the policy’s reporting requirements and exclusions.
Protect your kitchen, guests, staff, property, alcohol service, and delivery operations under one clear plan.
Risks to plan for
- Customer injury
- Liquor liability
- Kitchen fire and equipment
- Employee injury
- Foodborne illness
- Property
Example scenario
Over-served patron
A guest is allegedly overserved and later causes an injury. Whether liquor-liability coverage applies depends on state law, the allegations, and the policy terms.
Protect buildings, rental income, and owner liability with coverage that reflects each property and its tenants.
Risks to plan for
- Injuries at the property
- Building and property values
- Tenant activity
- Vacancy
- Renovation
- Lost rental income
Example scenario
Common-area injury
A tenant’s guest is hurt in a common area. General liability may apply if the building owner faces a covered claim.
Help protect common property, board members, shared areas, and association funds beyond each owner’s individual policy.
Risks to plan for
- Common-area liability
- Master property
- Board decisions (D&O)
- Crime/fidelity
- Umbrella limits
Example scenario
Injury on a shared walkway
A visitor is injured on a shared walkway. The association may face a premises claim, with responsibility and coverage depending on the governing documents, facts, and policy terms.
Private Client
Coordinated protection for the assets your household has built.
BLIS also helps private clients protect high-value homes, everyday and collector vehicles, boats and yachts, personal liability, fine art, and other collections as one connected portfolio.
- High-Value Homeowners
- Private Client Auto
- Collector Auto
- Classic Auto
Also available: classic auto, private client umbrella and excess liability, collectibles, and fine art coverage.
Process
What happens after you reach out.
Tell us about your business and what you need. BLIS helps organize the details, explores available options, explains the tradeoffs, and stays available after your policy begins.
Step 1 of 5
We organize the details and flag what is still missing.
BLIS reviews your work, payroll, vehicles, property, claims history, and contracts, then lets you know what else may be needed to keep things moving.
We look for insurance options suited to your business.
Available options can vary by industry, location, claims history, and the coverage you need. We use those details to focus the search where it makes sense.
You compare the terms that matter.
When quote options are available, BLIS explains the price, limits, deductibles, exclusions, and payment terms so you can make an informed choice.
We stay available after your policy begins.
BLIS remains available for certificates, policy changes, audits, renewals, and questions about claims.
01Tell us about the business
Start with the basics and what you need help protecting.
Tell us what the business does, where it works, and what prompted the request. Add current policies or supporting documents if you already have them.
02Fill in the picture
We organize the details and flag what is still missing.
BLIS reviews your work, payroll, vehicles, property, claims history, and contracts, then lets you know what else may be needed to keep things moving.
03Explore options
We look for insurance options suited to your business.
Available options can vary by industry, location, claims history, and the coverage you need. We use those details to focus the search where it makes sense.
04Compare
You compare the terms that matter.
When quote options are available, BLIS explains the price, limits, deductibles, exclusions, and payment terms so you can make an informed choice.
05Get ongoing help
We stay available after your policy begins.
BLIS remains available for certificates, policy changes, audits, renewals, and questions about claims.
Ready to begin? Start with your contact information and a short description of the business.
Request a quoteHow BLIS Helps
Better information leads to clearer insurance choices.
BLIS combines practical technology with experienced human guidance. That keeps the details organized and makes it easier to understand what you are buying when options are available.
Options Focused
The Right Starting Point
What you do, where you operate, what you own, and your claims history help determine which insurance options may be worth exploring.
Tradeoffs Explained
More Than the Price
A useful quote comparison looks at price alongside limits, deductibles, exclusions, payment terms, and the service behind the policy.
Ready to Move
Details in Order
We organize your business details and supporting documents so the request is easier to understand and less likely to stall over missing information.
Business Updated
A Smoother Renewal
Before renewal, we help account for changes in your team, work, vehicles, property, claims, and contracts so the policy still reflects the business.
A Person in Your Corner
Human GuidanceTechnology helps keep the process organized. A licensed insurance professional reviews the details and explains the choices in plain language.
BLIS does not guarantee that coverage will be available, what it will cost, or how much you might save. Technology helps organize the details, but a licensed insurance professional reviews them and explains your options.
Confidence
Who you're working with, up front.
See where we are licensed, how we support clients, what helps with a quote, and what happens after you reach out.
Licensed in the states we serve.
Licensed States: 5Blue Lagoon Insurance Services is licensed to write commercial insurance in the states below, so coverage can reflect where your business actually operates.
- CACalifornia#0M74955
- NVNevada#3983946
- AZArizona#3003332484
- TXTexas#2966873
- FLFlorida#L120266
Help before and after your policy begins.
- Certificates & Contract RequirementsHelp meeting insurance requirements so a certificate or endorsement does not hold up a job or contract.
- Renewal StrategyPlan ahead for changes in your team, work, claims, property, vehicles, and contract requirements.
- Policy ChangesUpdate vehicles, drivers, locations, work, or coverage as your business changes.
- Claims QuestionsWhen something happens, we help you understand the process and what your policy is built to do.
- Coverage That Works TogetherSee how workers' compensation, liability, auto, property, and other policies work together around the business.
- Get Ready for a QuoteGet business details and supporting documents in order before requesting insurance options.
What to have ready.
You don't need all of this to reach out. Sharing what you already have can reduce follow-up questions and help us understand what you need. If something is missing, we will ask.
- What your business does
- Payroll and employee count
- Workers' comp class codes (only if known)
- Vehicles and drivers
- Property values
- Past insurance claims
- Current policies
- Contract requirements
- When you need coverage to start
What happens after you reach out.
- BLIS reviews the contact and business information you share.
- We identify the coverage questions that matter for your business.
- We contact you if an important detail or document is missing.
- If quotes are available, we explain the terms and differences.
- Once a policy is in place, BLIS remains available for ongoing service.
Talk to a licensed team.
Contact BLIS by phone or email during business hours, or use the quote form to tell us about your business and what you need.
- Business
- Blue Lagoon Insurance Services, LLC
- Phone
- (818) 306-8333
- service@blisins.com
- Office
- 15303 Ventura Blvd FL 9, Sherman Oaks, CA 91403
- Hours
- Monday – Friday, 9:00 AM – 5:00 PM PT
Insights
Insurance guidance written for business owners.
Get plain-language help with coverage, contracts, certificates, renewals, and the information that can shape a quote—so you can ask better questions and make a more informed decision.
Coverage GuideProtective Safeguards Endorsements: An Owner’s Guide
Learn how property-policy requirements for sprinklers, alarms, and other safeguards can affect maintenance, impairment notice, and a fire-loss claim.
Owner BriefMCS-90 Endorsement: What Trucking Business Owners Should Know
A plain-language guide to what the MCS-90 does, when federal financial-responsibility rules may apply, and why the underlying policy still matters.
- Owner Brief
Additional Insured vs. Waiver of Subrogation
Understand four common contract requests—certificate holder, additional insured, primary and noncontributory, and waiver of subrogation—before sending proof.
Coverage GuideEssential Insurance for Restaurants
Protect your restaurant's kitchen, people, equipment, inventory, customers, alcohol service, and delivery activity with coverage built around daily operations.
Owner BriefProtecting Your Construction Business
Protect payroll, finished work, tools, vehicles, contracts, and subcontractor relationships with an insurance review built around the way your construction company operates.
Contact
Tell us what you run.
We will help with what comes next.
You do not need to know every policy name before reaching out. Tell us about the business and what you need to protect. Existing BLIS clients can also contact the service team for certificates, policy changes, renewals, and questions about claims.
We only use your information to review your insurance request.
Illustrative interface — not a live quote or business data