Commercial Insurance

Real Coverage for Real Businesses

Commercial Insurance Built Around What You Do

Every business has risks—your coverage shouldn’t add to them. At Insurance Designers, we help businesses of every shape and size protect their people, property, and operations with clear, effective commercial insurance solutions. Whether you’re running a farm, managing a restaurant, or scaling your team, we tailor protection to match your industry and your goals.



We serve business owners across Idaho and Utah, offering experienced guidance and access to more than 30 top-rated carriers.

Property & Asset Protection

Safeguard the Places & Equipment Your Business Depends On

  • Commercial Property Insurance: Coverage for your buildings, equipment, inventory, signage, and more. Essential for storefronts, offices, and leased commercial spaces.
  • Farm & Ranch Insurance: For agriculture-based operations, we offer custom plans to cover crops, equipment, livestock, outbuildings, and liability—all backed by farm and ranch insurance experts.
  • Landlord Liability Insurance: Designed for commercial property owners and real estate investors who lease to others.
  • Restaurant Insurance: A specialty bundle that includes property, equipment, spoilage, liability, and more—built for food service businesses.

Vehicle & Contractor Coverage

Stay Covered on the Job, on the Road & Everywhere In Between

  • Commercial Auto Insurance: Whether you own one delivery van or an entire fleet, we offer commercial auto policies that scale with your business.
  • Auto Dealers Insurance: Coverage designed for car dealerships, including test drive liability, inventory protection, and garage liability.
  • Contractors Insurance: Includes general liability, tools & equipment coverage, inland marine, commercial vehicles, and workers comp—ideal for construction, trades, and specialty contractors.

Liability & Cyber Risk Protection

When You’re Responsible, We’ve Got Your Back

  • Business Liability Insurance: General liability coverage to protect against property damage, bodily injury, and legal costs—essential for nearly any business.
  • Liquor Liability Insurance: Required for businesses that serve, sell, or distribute alcohol—such as bars, restaurants, and event venues.
  • Cyber Liability Insurance: Covers losses related to cyber attacks, data breaches, and digital fraud—critical protection for modern businesses.
  • Errors & Omissions Insurance (E&O): For professionals offering advice or services—such as consultants, real estate agents, and tech professionals.

Employee & Benefits Coverage

Support the People Who Make Your Business Work

  • Workers Compensation Insurance: Required in most states, this policy helps cover medical bills and lost wages when an employee is injured on the job.
  • Group Health Insurance: Offer employee health benefits with group plans tailored for Utah companies and beyond.

FAQs

Got a question? We’re here to help.

  • What types of businesses do you work with?

    We serve a wide range of industries including agriculture, retail, food service, construction, transportation, and professional services. Whether you’re a startup or a seasoned operation, we can build a plan that fits.

  • Is commercial insurance required by law?

    Some policies—like workers compensation and commercial auto—may be legally required, depending on your location and number of employees. We’ll help you understand what’s mandatory and what’s wise to have.

  • Can I bundle multiple commercial policies together?

    Yes, and it’s often a smart way to simplify coverage and reduce your premium. We’ll help you package property, liability, and other essentials into a single, streamlined policy.

  • What is the difference between general liability and E&O insurance?

    General liability covers physical risks like bodily injury or property damage. E&O (errors & omissions) covers financial risks caused by professional mistakes or service-related issues.

  • Do I need cyber liability insurance?

    If your business stores customer data, processes online payments, or relies on digital systems, cyber liability insurance is highly recommended. Even small businesses can be targeted—and the cost of a breach can be devastating without coverage.

  • How do I know what policies I really need?

    That’s where we come in. We’ll take the time to understand your operations, your risks, and your goals—then make straightforward recommendations based on what works best for you.

Let’s Build a Better Policy

Your Business is Unique—Your Coverage Should Be Too

Contact Us