Commercial Insurance Solutions Built Around Your Business
Every business has its own risks, challenges, and long-term goals. At Scott Risk Group, we design insurance programs that reflect the way you operate — not generic templates. Our team provides the clarity, responsiveness, and strategic insight needed to protect your people, projects, and future growth.
Core business coverages
General Liability
Protection against third-party bodily injury, property damage, and negligence claims.
Commercial Auto
Coverage for vehicles used in your operations — from single work trucks to full fleets.
Property
Safeguards buildings, equipment, tools, and inventory against fire, theft, vandalism, and physical loss.
Workers’ Compensation
Required coverage that protects employees and employers when workplace injuries occur.
Builder’s Risk
Short-term protection for materials, equipment, and structures under construction.
Business Income & Extra Expense
Replaces lost income and covers additional costs after a covered interruption.
Inland Marine / Contractor’s Equipment
Coverage for tools, machinery, and equipment in transit, on job sites, or in storage.
Umbrella & Excess Liability
Higher-limit liability protection designed to strengthen coverage above your primary policies.
Professional & Management Liability
Professional Liability (Errors & Omissions)
Covers financial loss resulting from service errors or professional oversight.
Directors & Officers Liability (D&O)
Protection for leadership decisions and governance-related claims.
Employment Practices Liability Insurance (EPLI)
Covers claims involving hiring, termination, harassment, discrimination, and workplace practices.
Fiduciary Liability Insurance
Protects those responsible for managing employee benefit plans.
Employee Benefits Liability (EBL)
Coverage for administrative errors in employee benefit programs.
Crime Insurance (Employee Theft & Fraud)
Safeguards against theft, forgery, embezzlement, or fraudulent activity.
Cyber Liability Insurance
Protection against cyberattacks, data breaches, ransomware, and digital business interruption.
Specialized coverages
Pollution Liability
Insurance
Coverage for spills, contamination, cleanup costs, and environmental liability.
Contractors Pollution
Liability
Construction-focused environmental liability designed for jobsite exposures.
Drone
Insurance
Coverage for commercial drone operations, including liability and equipment.
Cargo / Transportation
Coverage
Protection for goods transported by your business or third-party carriers.
Flood
Insurance
Standalone protection for flood-related water damage — often required by lenders and critical in coastal or high-risk zones.
Kidnap & Ransom
(K&R)
Protection for executives and employees — including extortion, detention, ransom reimbursement, and crisis response services.
Subcontractor Default Insurance (SDI)
Covers replacement subs, delays, rework, and added costs.
Surety Bond Solutions
Contract guarantees through trusted bonding partners.
Bid Bonds
Assures project owners your bid is accurate and compliant.
Performance Bonds
Guarantees project completion according to contract terms.
Payment Bonds
Ensures subcontractors and suppliers are paid appropriately.
Additional Solutions
Value-added services that support your operations and risk management strategy.
Certificate Management Support
Fast, reliable COI processing to avoid project delays.
Contract Review for Insurance Requirements
Ensures your policies align with client and project obligations.
Claims Guidance & Advocacy
Hands-on support from initial filing through resolution.
Premium Audit Support
Assistance with documentation, reporting, and audit review.
Safety & Loss-Control Resources
Tools, training, and partnerships that help reduce risk and improve workplace safety.
Program Benchmarking & Market Analysis
Clear comparisons and insights to keep your coverage competitive and aligned with industry standards.
And More
Our insurance programs are fully customizable. If you don’t see a specific coverage listed, our team can help secure it — or advise on the best path to get the protection you need.
Your Partner in Protection and Progress
At Scott Risk Group, we build insurance programs that evolve with your business. Whether you're expanding operations, taking on larger projects, or navigating new exposures, our team delivers clear guidance and responsive support every step of the way.
If you’d like to discuss your current coverage or explore a tailored program, we’re here to help.
Surety Bond Solutions
Contract guarantees through trusted bonding partners.
Bid Bonds
Assures project owners your bid is accurate and compliant.
Performance Bonds
Guarantees project completion according to contract terms.
Payment Bonds
Ensures subcontractors and suppliers are paid appropriately.
Clear direction starts with understanding your business.
To help us begin building a tailored insurance solution, please submit the Request Quote to our team. We'll review your submission and respond with next steps.
Request a Quote
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