Effective risk management means identifying potential losses before they occur. Let our elite team of specialists pinpoint key areas of concern — especially areas that have previously resulted in claims or could cause future losses — and help you get the coverage you need.

At Combined, we assist with safety and procedural training and provide you with the right commercial property and casualty insurance and ensure compliance with industry regulations.

Workers' Compensation

Workers’ Comp insurance ensures that workers injured on the job get medical care and compensation for part of their lost income. It also typically protects employers from lawsuits by employees injured while working.

Commercial Package

Commercial Package is our commercial insurance policy, also known as business owner policy (BOP) insurance. It provides coverage for all major property and liability risks, including general and product liability, business personal property, and business interruption.

Commercial Auto

Commercial auto insurance covers physical damage and liability for amounts, situations, and usage not covered by a personal auto policy.

Employment Practices

Employment Practices Liability Insurance (EPLI) provides coverage for employee claims alleging discrimination, wrongful termination, or harassment.

Commercial Umbrella Insurance

Commercial Umbrella Insurance extends Liability coverage, providing an additional layer of insurance to further protect business assets.

Professional Liability

Professional Liability insurance, also known as errors and omissions (E&O) insurance, serves as commercial liability insurance. It protects companies against claims that a professional service they provided caused a client financial harm, either due to a mistake (error) or failure to provide a service (omission).


Cyber insurance protects businesses and individuals from internet-based risks, including risks relating to information technology infrastructure and activities. It covers loss of cash, assets, merchandise, or other property when someone perpetrates fraud, embezzlement, forgery, misrepresentation, robbery, theft, or any other type of business-related crime on the company.


Cargo insurance covers freight loss or damage due to external causes during shipping.

Personal Lines

Personal Lines insurance goes beyond your business to protect your home, auto, and personal assets.

Insurance Is Our Passion

Most people don’t like talking about insurance. Would you believe it’s our passion? The team of knowledgeable specialists at our commercial insurance company is more than happy to walk you through the insurance selection, purchase, and set-up process, and we’ll be here to answer any questions or claims that come up.



This article provides an overview of the basics of property insurance and the importance in valuing property when considering coverage amounts.