Property Insurance
Buildings, tenant improvements, inventory, and equipment — valued at replacement cost.
◇01 — Commercial Insurance
Commercial Insurance.
Protecting businesses with thoughtful insurance strategies built around the way they actually operate.
◇ Who This Is For
Built for the businesses doing the work.
We work with the operators — contractors, manufacturers, developers, property owners, professional services, retailers, restaurants, transportation firms, and industrial businesses. Different problems, same standing order: an advisor who knows the work, and coverage that reflects it.
Every business is different. A ten-person specialty trade doesn’t underwrite like a distribution fleet, and neither looks like a professional services firm. Coverage should be built around actual operations — not a generic template written for the average customer.
ContractorsManufacturersDevelopersProperty OwnersProfessional ServicesRetailRestaurantsTransportationIndustrial Businesses
◇ What We Protect
Coverage lines, coordinated.
General Liability
Third-party bodily injury and property damage protection for daily operations.
Commercial Auto
Owned, hired, and non-owned vehicle coverage sized to the fleet.
Workers' Compensation
Statutory coverage paired with return-to-work programs and mod management.
Umbrella
Excess limits sitting above primary policies for catastrophic exposure.
Cyber Liability
Breach response, ransomware, and business-interruption coverage for modern risk.
Professional Liability
Errors & omissions protection for advice, design, and specialized services.
Equipment
Contractor's equipment, tools, and rented gear — on the job or in the yard.
Builder's Risk
Course-of-construction coverage for ground-up projects and renovations.
Installation Floater
Helps protect materials, fixtures, and equipment intended to become part of the installation itself (not the contractor's own tools or mobile equipment) — in transit, temporarily stored, at the jobsite, awaiting installation, or being installed. Often structured alongside builder's risk, depending on the project.
Employment Practices
Defense and settlement for wrongful termination, discrimination, and harassment claims.
Crime Coverage
Employee dishonesty, forgery, funds transfer fraud, and social engineering losses.
◇ Industries We Serve
Risk changes by trade.
Contractors
Bonding-adjacent programs with contractual risk transfer, subcontractor controls, and builder's risk.
Manufacturing
Product liability, plant property, business interruption, and equipment breakdown at the center.
Real Estate
Owned portfolios, ground-up projects, wrap-ups, and property management exposure.
Retail
Storefront property, product liability, and coverage for POS, cyber, and crime exposure.
Hospitality
Liquor liability, food-borne illness, guest injury, and franchisor-required limits.
Professional Services
E&O, cyber, and management liability for firms whose product is expertise.
Transportation
Auto liability and physical damage for fleets, distribution, and last-mile operators.
Healthcare
Professional liability, regulatory risk, and cyber for practices and provider groups.
Nonprofits
Directors & officers, volunteer liability, and mission-specific exposure at accessible pricing.
◇ Real Business Context
How coverage evolves as a business grows.
A contractor purchases new equipment
Owned tools, leased equipment, and rented machinery all need to be scheduled correctly — and the liability that follows the equipment onto a jobsite has to match the contract. We update the program the week the equipment arrives, not at renewal.
A manufacturer expands into another state
New workers' comp jurisdictions, new product-liability exposure, and new sales-tax and reporting obligations. We coordinate with your CFO and carriers so the expansion doesn't create quiet, uninsured gaps.
A restaurant hires additional employees
Payroll changes drive workers' comp premium, EPLI exposure, and often required benefits filings. We rework the estimate mid-term so the year-end audit doesn't become a surprise.
A transportation company adds vehicles
New units mean new VINs, new drivers to vet, and often new limits your best customers already require. We handle the endorsements as the units are added and confirm the certificates go out clean.
◇ Working Together
What it’s like working with AB Hurley.
- ◇ 01
We learn your business.
Discovery starts on your floor — not a questionnaire. We meet the people, walk the site, and read the contracts before we quote anything.
- ◇ 02
We identify risk before it becomes expensive.
Contractual risk transfer, coverage gaps, and quiet exposures — flagged and closed before a claim proves they mattered.
- ◇ 03
We explain coverage in plain English.
Every recommendation comes with the reasoning behind it. You'll understand what's covered, what isn't, and why the trade-off makes sense.
- ◇ 04
We advocate when problems arise.
When a claim happens, we stay engaged, help facilitate communication with the adjuster, and follow up where appropriate. Your team is never on its own.
- ◇ 05
We remain available long after the policy is issued.
Renewals are the box you check — the real work is between them. We stay on the calendar and pick up the phone.
◇ Coverage Review Process
A structured way to be right about risk.
Step 01
Discovery
We learn the operation — people, sites, contracts, growth plans.
Step 02
Risk Review
Exposures, prior losses, and industry benchmarks compared side by side.
Step 03
Coverage Analysis
Line-by-line review of current policies against what your operation actually needs.
Step 04
Recommendations
A written program with clear priorities, options, and trade-offs.
Step 05
Implementation
Placement with carriers that specialize in your class — quietly executed.
Step 06
Structured Review
Organized reviews throughout the relationship — prompted by renewals, growth, new contracts, new exposures, claims, or market changes — not just a once-a-year check-in.
◇ Frequently Asked
Questions we hear often.
Have a specific question? Ask an advisor directly.
Contact Our TeamProtect what you’ve built.
Bring us your renewal, your next contract, or the risk you can't stop thinking about. First conversations are unhurried, honest, and useful — even if we don't end up placing the program.