Industry‑specific packaging
Contractors, restaurants, retail, trucking and professional services — bundled with the endorsements your industry actually needs.
HomeCommercial & Business Insurance
Ferrer Insurance Group
Coverage built for the way your business runs.
General liability, workers' comp, commercial auto, BOP, E&O and cyber — packaged for contractors, restaurants, retail, trucking, real estate and professional services. Same‑day COIs, real underwriters, real answers.
A closer look
Understand your options.
Same‑day COIs
Bind coverage and get certificates of insurance and additional insured endorsements to your GC or landlord within the hour.
Grows with your business
Mid‑term adjustments for new hires, new locations, new vehicles or new revenue — no waiting for renewal.
Coverage to discuss
The details make the difference.
Talk with an agent about the protections that fit your situation. Compare limits, deductibles and exclusions alongside the premium, rather than choosing on price alone.
- General liability
- Workers' compensation
- Commercial auto & trucking
- Business owner policy (BOP)
- Professional liability (E&O)
- Cyber & data breach
Before we talk
Make your first conversation count.
A few details help us understand what you need and prepare a useful comparison. Do not send Social Security numbers, payment details or sensitive documents through the quote form or chat.
Book a Zoom meeting with us- 01Your industry, services, business location and years in operation.
- 02Approximate revenue, payroll and employee count.
- 03Business property, vehicles and any subcontractor arrangements.
- 04Current coverage, claims history and contract insurance requirements.
Questions people ask us
What insurance does a small business need?+
Most small businesses need a Business Owner's Policy (BOP) that bundles general liability + property, plus workers' compensation for employees, commercial auto for vehicles, and professional liability (E&O) if you give advice or provide services.
How much is general liability insurance?+
For most small contractors, retailers and service businesses, general liability runs $400–$1,500 a year for $1M/$2M limits. Your rate depends on industry, revenue, payroll and claims history.
Can you issue COIs the same day?+
Yes. Once bound, we issue certificates of insurance and additional insured endorsements same‑day — usually within an hour — so you don't lose the job.
Do you write workers' comp in monopolistic states?+
For monopolistic states we help you enroll with the state fund and layer in stop‑gap employer's liability from a private carrier.
Let’s get started
Your business insurance quote
Tell us what your business does and the exposures you want to review. We’ll discuss coverage suited to your operations.
Mon–Fri · 11am–6pm
Closed Saturday & Sunday
Do not include Social Security numbers, payment details, identification numbers, medical history or sensitive documents. Submitting a request does not bind coverage.
Let’s talk about what you need.
Coverage, discounts and availability vary by carrier, location and underwriting. A quote request does not bind coverage; your policy documents determine the protection provided.