Industry insurance programs
Insurance carriers underwrite by class of business. These 36 industry guides explain the exposures underwriters look at, the coverage that commonly applies, and the details to have ready. Eligibility, forms, and availability vary by insurance carrier and state.
Browse by sector
Every class of business is underwritten differently. Select an industry to see the exposures insurance carriers focus on and the coverage that commonly applies.
Food and Hospitality
Food service, beverage, lodging, and guest-facing operations.
- RestaurantsFull-service and quick-service restaurants combine guest injury exposure, cooking hazards, spoilage, and often alcohol service on one program.Industry guide
- Food TrucksMobile food operations have a vehicle, a kitchen, and a rotating list of event venues, which means several coverage parts have to line up.Industry guide
- Cafes and Coffee ShopsCafes carry steady foot traffic, hot beverage exposure, and dependence on a small set of expensive machines.Industry guide
- Hotels and InnsLodging combines a large building, around-the-clock guest exposure, amenities, and employment practices in one risk.Industry guide
- Vacation RentalsShort-term rental activity is usually treated as a commercial exposure rather than a homeowners exposure.Industry guide
- Bars and TavernsAlcohol-led venues face concentrated liquor liability, assault allegations, and late-night operating patterns.Industry guide
Retail, Manufacturing and Distribution
Storefronts, production, warehousing, and wholesale supply.
- Retail StoresRetail exposure is driven by customer traffic, inventory values, and the products you sell.Industry guide
- E-commerce and Online RetailOnline sellers concentrate risk in inventory, fulfillment, platform dependence, and customer data.Industry guide
- ManufacturingManufacturers combine machinery, products liability, and dependence on continuous production.Industry guide
- Wholesale and DistributionDistribution risk sits in warehouse property, fleet operations, and liability for products passing through your hands.Industry guide
Professional and Healthcare
Licensed practices, technology firms, and advisory businesses.
- Medical PracticesMedical practices carry professional exposure, patient data obligations, and standard business property risk.Industry guide
- Dental PracticesDental offices combine clinical exposure with expensive imaging and treatment equipment.Industry guide
- Veterinary ClinicsVeterinary practices face professional exposure, animal bailee risk, and boarding or grooming operations.Industry guide
- Technology and SoftwareTechnology firms carry contractual liability for performance and heavy responsibility for client data.Industry guide
Real Estate and Property
Ownership, brokerage, and management of buildings and rentals.
- Real Estate BrokerageBrokerages carry professional liability for representations and advice, plus data exposure from transactions.Industry guide
- Property ManagementManagers hold responsibility for buildings they do not own, which makes contracts and additional insured status central.Industry guide
- Apartment and Rental OwnersRental property owners insure buildings, liability to tenants and guests, and rental income.Industry guide
Construction and Trades
General contracting, specialty trades, and field service work.
- General ConstructionGeneral contractors coordinate subcontractors, contracts, and jobsite property, which makes documentation as important as coverage.Industry guide
- Landscaping and Lawn CareLandscapers have vehicle, equipment, and property damage exposure across many customer sites each week.Industry guide
- Cleaning and JanitorialCleaning businesses work inside client property, so care, custody, and control questions come up constantly.Industry guide
- ElectriciansElectrical work carries high-severity fire and injury exposure and long completed operations tails.Industry guide
- HVAC ContractorsHVAC work combines installation, service, refrigerant handling, and equipment sitting on customer property.Industry guide
- Plumbing ContractorsPlumbing claims are frequently water damage claims, which are severe relative to the size of the job.Industry guide
- Roofing ContractorsRoofing is a high-hazard class with height exposure, water intrusion claims, and a limited insurance carrier market.Industry guide
- Painting ContractorsPainters face overspray, surface preparation, and ladder exposure across many short-duration jobs.Industry guide
- Handyman ServicesHandyman operations touch many trades, so scope of work and licensing determine what can be covered.Industry guide
Automotive and Transportation
Repair, sales, and businesses built around vehicles.
- Auto Repair ShopsRepair shops need garage liability for operations plus garagekeepers for the customer vehicles in their care.Industry guide
- Auto DealershipsDealers combine large inventory values, sales operations, service departments, and finance and insurance activity.Industry guide
- Trucking and Delivery FleetsMotor carrier operations are underwritten on filings, radius, commodities, and driver quality.Industry guide
- Gas Stations and Convenience StoresFuel operations combine environmental exposure, retail traffic, and payment card handling.Industry guide
Community, Education and Agriculture
Care, faith, nonprofit, education, and growing operations.
- Daycares and ChildcareChildcare operations are underwritten around supervision ratios, screening, and abuse and molestation coverage.Industry guide
- Schools and Training CentersEducational operations mix large buildings, student supervision, employment practices, and board decisions.Industry guide
- Churches and Religious OrganizationsCongregations own significant property, host frequent gatherings, and rely heavily on volunteers.Industry guide
- NonprofitsNonprofits carry board, volunteer, and program exposures alongside standard property and liability needs.Industry guide
- Agriculture and FarmsFarm operations blend property, equipment, liability, and often agritourism or direct-to-consumer sales.Industry guide
- Fitness and RecreationGyms and studios carry participant injury exposure and depend on membership systems and equipment.Industry guide
Availability varies by state
State regulation notice
Commercial insurance is regulated at the state level. Eligible classes of business, mandatory coverages, workers compensation rules, forms, and endorsement availability differ by state and by insurance carrier. Confirm availability for your locations before relying on any coverage described here.
- Monopolistic workers compensation states
- A small number of states require workers compensation through a state fund rather than a private insurance carrier.
- Catastrophe-exposed regions
- Coastal wind, wildfire, and earthquake exposures often require separate deductibles, sublimits, or specialty markets.
- Licensed trades and permits
- Some states and municipalities require specific bond forms or minimum liability limits before a permit is issued.
Talk with a licensed commercial insurance professional
A short conversation about operations, contracts, and prior losses usually produces a better program than an online form alone. There is no obligation, and nothing binds coverage.
- What to have ready
- Description of operations, revenue, payroll by role, locations, vehicle list, and any contract insurance requirements.
- Availability
- Monday – Friday, 8:00 AM – 6:00 PM
- contact@truvalinkinsurance.com
Ready to compare your options?
Start online in a few minutes or speak with a licensed insurance professional. There is no obligation, and quoting does not bind coverage.
Insurance coverage is not bound or effective unless and until it has been confirmed in writing by TruvaLink Insurance Agency or an authorized representative of the applicable insurance carrier. Submission of a quote request, application, payment, or other information does not guarantee coverage or constitute proof of insurance.