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Business Insurance

The right commercial coverage depends on how your business actually operates

Carrier partners
shopped on your behalf

Business Insurance

Generic policies leave specific gaps. We build around your business.

A restaurant, contractor, and software company don't face the same risks. Tungsten takes the time to understand your operations, exposures, and industry before approaching carriers, helping ensure your coverage actually works when you need it.

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Most commercial claims disputes come down to one of three things — all of them preventable at placement.

Operational Risks

Ensure your coverage keeps pace as your business grows and evolves.

Outgrowing Your BOP

Identify protection gaps before growth creates costly surprises.

Employee Liability

Protect your business from common employment-related claims.

We Start With Your Operations, Not A Product Menu

Before approaching carriers, we evaluate your operations, employees, vehicles, contracts, and industry-specific risks to build the right coverage strategy.

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50K+ happy customer

Operations Review

Assess revenue, services, and business exposures.

Employee & Payroll Review

Evaluate workforce, payroll, and HR-related risks.

Vehicle & Fleet Assessment

Review company vehicles and transportation exposures.

Cyber Risk Evaluation

Identify technology, data, and cyber liability risks.

Coverage we place

Every line of commercial coverage, placed by advisors who know the difference

General Liability (CGL)

Commercial Property

Business Owner's Policy (BOP)

Workers' Compensation

Commercial Auto

Professional Liability / E&O

Cyber Liability

EPLI

Directors & Officers (D&O)

Commercial Umbrella

Key Person Life Insurance

Group Benefits / Health

Free commercial audit

Think your current commercial
policy covers everything?

Most coverage gaps aren't discovered until a claim happens. We'll review your current program at no cost and identify potential gaps, overlaps, and savings opportunities.

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Industries we serve

Coverage Built For
Your Industry

Additional Industries

Real Estate & Property Managers

Transportation & Logistics

Non-Profits & Social Services

Manufacturers & Distributors

Contractors & Construction

Coverage built for trades, job sites, and growing operations.

Restaurants & Retail

Protection for customer-facing businesses and daily operations.

Technology & Professional Services

Coverage for consultants, agencies, SaaS, and service firms.

Healthcare & Wellness

Solutions for medical, wellness, and allied health practices.

Carriers we work with

The full picture

Business owners have personal exposure too

We coordinate commercial and personal coverage to help ensure nothing falls through the cracks between the two.

Insurance Benefits

Commercial and personal coverage alignment
Personal umbrella protection strategies
Key person and buy-sell life insurance
One advisor for business and personal needs
Annual reviews across all policies

Priority onboarding for existing clients

Multi-line pricing opportunities

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Testimonial

Real experiences from our valued customers

“I am extremely satisfied with this insurance company. Their team explained everything clearly, claims were processed quickly and I felt completely supported. Reliable service that truly values customer trust and security.”

Sarah K.

“Exceptional service from start to finish. Their guidance made everything smooth, claims were handled promptly and I always felt valued. A trustworthy company that truly cares about customer protection.”

Natalie H.

“Their professionalism amazed me. They walked me through details clearly, supported me whenever needed and delivered quick results. A reliable insurance partner committed to customer confidence.”

Kevin B.

“This insurance company exceeded my expectations. The staff was friendly and patient, answered all my questions, and made the process easy. My claim was approved without delays. Honest service that puts customer peace of mind first.”

Jordan K.

“I had a wonderful experience with their support team. They guided me through every step, and the claim process was stress-free. I truly appreciate how professional and trustworthy they are. A dependable company that cares about its clients.”

John M.

“Their team provided outstanding service from start to finish. Everything was explained clearly, and I felt confident throughout the process. My claim was handled efficiently. I highly recommend them for their reliability and customer focus.”

Amy G.