Unlike personal insurance, commercial insurance programs can cover multiple stakeholders and employees. At, Overpass Insurance Agency we are specifically trained in the risks and threats that businesses face. Like, General Liability, Property Insurance, Business Interruption Insurance, Businessowners Policy (BOP), and Workers’ Compensation Insurance. Just to name a few.
We also offer Commercial Portfolio, Landlord, Multi-Family, and Builders Risk Insurance.
Our Commercial Auto and Trucking Insurance programs are built for businesses that rely on vehicles and equipment to operate efficiently and safely. Whether you manage a small fleet or a growing operation, we provide coverage solutions that help protect your drivers, vehicles, and cargo.
Ideal for:
Trucking companies and owner-operators
Heating & Air Conditioning companies
Construction and service-based businesses
Fleets operating vans, box trucks, dump trucks, and heavy-duty equipment
Key Coverages Include:
Auto Liability (FMCSA-compliant where applicable)
Physical Damage (Collision & Comprehensive)
Motor Truck Cargo Insurance
Non-Trucking Liability (Bobtail/Deadhead)
Trailer Interchange Coverage
Fleet and scheduled vehicle programs
*Up to 10% Discount for fleets with a certified E-Log and Front Facing cameras.
Workers’ Compensation Insurance provides essential protection for businesses by covering medical expenses, lost wages, and rehabilitation costs for employees injured on the job. It also helps shield employers from potential lawsuits related to workplace injuries.
Key Benefits:
Covers work-related injuries and illnesses
Provides wage replacement and medical care
Supports employee recovery and return-to-work programs
Helps businesses remain compliant with state regulations
Whether you employ W-2 staff or work with independent contractors (1099), we help evaluate your workforce structure and risk exposure to ensure proper coverage. Optional enhancements such as short-term disability coverage can also be added to further protect your team and your business continuity.
Landlord Insurance is designed to protect property owners who rent out residential or commercial properties. This specialized coverage helps safeguard your investment against financial losses related to property damage, liability claims, and loss of rental income.
Whether you own a single rental property or manage a portfolio of income-producing buildings, landlord insurance provides protection beyond a standard homeowners policy by addressing the unique risks associated with tenant-occupied properties.
Overpass Insurance Agency offers access to a variety of Surety Bonds to help businesses and individuals meet contractual, licensing, and legal requirements. Our team can assist with identifying the appropriate bond type and facilitating a smooth, efficient process.
Surety Bonds involve three parties—the principal, the obligee, and the surety—and provide a financial guarantee that obligations will be fulfilled. Common bond types include contract, commercial, and court bonds.
Call today to learn more about available options and eligibility.
General Liability Insurance helps protect businesses from financial losses resulting from third-party claims of bodily injury, property damage, and personal or advertising injury. It is a foundational coverage for businesses of all sizes and is often required by clients, landlords, or contracts.
Key protections include:
Bodily injury and property damage claims
Legal defense costs and settlements
Personal and advertising injury coverage
Whether you operate a small business or manage a growing enterprise, General Liability Insurance helps safeguard your operations, reputation, and financial stability against unexpected claims.
A Business Owners Policy (BOP) combines essential coverages into one cost-effective package designed for small to mid-sized businesses. By bundling multiple coverages, a BOP provides broad protection while simplifying policy management.
Typically includes:
General Liability Insurance
Commercial Property Insurance
Business interruption coverage (for covered losses)
BOP Insurance is ideal for businesses seeking comprehensive protection for their physical location, assets, and daily operations. Coverage can be customized with additional endorsements to align with your specific industry and risk profile.
