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Eligible small businesses
Explore state-specific general liability guidance, then check whether the business can quote and purchase eligible coverage online.
Availability, eligibility, underwriting, pricing, terms, limits, and instant-issue options vary by state, coverage, and applicant. The online application and issued policy or bond control.
Complex risk.
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Cox & Associates connects businesses with commercial insurance built around the actual operation—not a generic package. Search products, explore industry expertise, or go directly to a specialist.
Insurance for the Work You Do Every Day.
Choose an operation to explore its common risks, key coverages, and the right path to a quote.
ContractorsInsurance guidance for general contractors, painters, artisan contractors, skilled trades, job sites, crews, tools, equipment, vehicles, and completed work.Industry Guide →
HVAC ContractorsHeating and cooling work, service vehicles, tools, equipment, and completed operations.Industry Guide →
Plumbing ContractorsPlumbing work, water-damage exposure, tools, service vehicles, and completed operations.Industry Guide →
Landscaping & Lawn CareGrounds maintenance, crews, vehicles, mobile equipment, and chemical applications.Industry Guide →
Electrical ContractorsElectrical installation and service, tools, vehicles, jobsites, and completed work.Industry Guide →
Roofing ContractorsRoof installation and repair, employees, heights, equipment, and completed operations.Industry Guide →
Painting ContractorsInterior and exterior painting, crews, sprayers, ladders, vehicles, and jobsites.Industry Guide →
Concrete & Masonry ContractorsConcrete and masonry work, heavy equipment, crews, vehicles, and jobsite risks.Industry Guide →
Janitorial & Commercial CleaningCommercial cleaning, customer property, employees, vehicles, and mobile equipment.Industry Guide →
Auto DealersDealer-focused coverage for inventory, customer vehicles, test drives, and operations.Industry Guide →
Auto Repair ShopsRepair garages, service bays, customer vehicles, technicians, and shop equipment.Industry Guide →
Gas Stations & Convenience StoresProtection for fuel sales, convenience retail, property, equipment, pollution, customers, and continuous operations.Industry Guide →
Liquor StoresRetail alcohol sales, inventory, customers, property, crime, and delivery exposure.Industry Guide →
Jewelry StoresSpecialized planning for high-value inventory, customer property, crime, transit, premises, employees, and cyber risk.Industry Guide →
BarbershopsPractical coverage for client services, premises, tools, products, employees, booth arrangements, and daily income.Industry Guide →
Salon & Beauty ServicesHair salons, barbers, nail studios, spas, and personal-care professionals.Industry Guide →
Gyms & Yoga StudiosCoverage for members, instruction, equipment, premises, employees, waivers, and fitness operations.Industry Guide →
Pet Care & GroomingGroomers, boarding, day care, animal care, customer property, and employees.Industry Guide →
RestaurantsPractical protection for dining rooms, kitchens, employees, and revenue.Industry Guide →
Food TrucksMobile kitchens, catering trucks, trailers, and event-based food service.Industry Guide →
HotelsProperty, liability, cyber, and guest-focused protection for hospitality businesses.Industry Guide →
Bars & LoungesInsurance planning for alcohol service, guests, employees, property, security, and late-night operations.Industry Guide →
NightclubsSpecialized coverage for high-occupancy nightlife, alcohol service, entertainment, security, and severe liability exposures.Industry Guide →
Special EventsEvent-specific liability and property planning for organizers, venues, vendors, participants, and guests.Industry Guide →
Movie TheatersSpecialized insurance planning for cinemas, patrons, concessions, projection systems, employees, property, and interrupted showtimes.Industry Guide →
Business ConsultantsOnline and specialist coverage paths for consultants whose advice, services, data, contracts, and client relationships create professional risk.Industry Guide →
Professional OfficesConsulting and office businesses, client services, property, data, and employees.Industry Guide →
Accounting Firms & BookkeepersProfessional insurance planning for accounting services, client records, deadlines, employees, cyber risk, and office operations.Industry Guide →
Technology & IT ServicesCoverage for technology advice, managed services, systems, client data, cyber events, contracts, and operational mistakes.Industry Guide →
Medical OfficesCoordinated insurance planning for patient care, employees, property, technology, privacy, and uninterrupted office operations.Industry Guide →
Dentist OfficesCoverage planning for dental care, providers, employees, patients, equipment, property, privacy, and office continuity.Industry Guide →
Dental LaboratoriesInsurance for dental devices, laboratory equipment, technicians, materials, customer property, data, and production deadlines.Industry Guide →
Security CompaniesSpecialist coverage planning for security guard firms, patrol operations, contracts, employees, vehicles, equipment, and allegations of negligent protection.Industry Guide →
Security & Alarm InstallersSecurity cameras, alarms, access systems, client property, and installation work.Industry Guide →
Nonprofit OrganizationsInsurance planning for boards, employees, volunteers, programs, property, fundraising, events, and community services.Industry Guide →
Churches & Places of WorshipInsurance planning for worship, buildings, leaders, employees, volunteers, vehicles, programs, and community activities.Industry Guide →
Assisted Living FacilitiesInsurance planning for resident care, professional services, employees, property, transportation, technology, and continuous operations.Industry Guide →
Child Care / Day CareChild-care centers, preschools, in-home day care, and after-school programs.Industry Guide →
Commercial Real EstatePortfolio-minded coverage for buildings, liability, income, and ownership entities.Industry Guide →
Retail & Shopping CentersRetail properties, tenant spaces, parking areas, visitors, and common facilities.Industry Guide →
Property Management CompaniesManaged properties, maintenance, employees, contractors, and professional services.Industry Guide →
Apartment ComplexesCoverage for multifamily owners, managers, buildings, and rental income.Industry Guide →
Condominium & HOA AssociationsAssociation-focused protection for shared buildings, common areas, boards, employees, reserves, crime, catastrophe, and community operations.Industry Guide →
ManufacturingIntegrated protection for facilities, products, machinery, and supply chains.Industry Guide →
WarehousesProperty and liability solutions for facilities, stored goods, and logistics operations.Industry Guide →
Printing BusinessesCoverage for printing equipment, customer work, property, employees, delivery, data, and production interruption.Industry Guide →
Commercial Auto & FleetsCommercial vehicles, drivers, fleets, cargo, and business-use exposures.Industry Guide →
Tow Truck & RecoveryTowing, roadside assistance, recovery, and customer-vehicle operations.Industry Guide →
TruckingTruck insurance with commercial auto and cargo protection for fleets and owner-operators, from our Tampa agency to operations nationwide.Industry Guide →
Dump Truck OperationsDump trucks, material hauling, jobsites, drivers, and attached equipment.Industry Guide →
Box Truck & DeliveryBox trucks, local delivery routes, cargo, drivers, and customer locations.Industry Guide →
Hotshot TruckingPickup-and-trailer hauling, time-sensitive loads, cargo, and owner-operators.Industry Guide →
Owner-Operator TruckingIndependent truckers, leased operations, tractors, trailers, and cargo.Industry Guide →
Refrigerated TruckingTemperature-controlled freight, refrigeration equipment, cargo, and downtime.Industry Guide →
Cargo Van & SprinterCargo vans, Sprinter fleets, couriers, delivery routes, and transported goods.Industry Guide →
Auto HaulersVehicle transporters, specialized trailers, loading, unloading, and customer vehicles.Industry Guide →
Dry Van & General FreightTractor-trailers, general freight, cargo, drivers, and motor-carrier operations.Industry Guide →
Waste & Debris HaulersWaste hauling, roll-off operations, debris, cleanup, and specialized trucks.Industry Guide →
Motor Carrier Authority & FilingsOperating authority, required filings, vehicles, commodities, and routes.Industry Guide →
Motor Truck CargoFreight values, commodities, loading, theft, damage, and delivery obligations.Industry Guide →
Bobtail & Non-Trucking LiabilityOwner-operator liability considerations when a tractor is used off dispatch.Industry Guide →
Trailer InterchangeNon-owned trailers used under interchange agreements and related damage risks.Industry Guide →
Trucking Fleet SafetyDriver qualification, vehicle maintenance, crash response, and fleet controls.Industry Guide →
Telematics & ELD SafetyElectronic logs, vehicle data, driver coaching, alerts, and fleet oversight.Industry Guide →
Cargo Theft PreventionPickup verification, secure parking, tracking, seals, and theft response.Industry Guide →
Truck Breakdown & DowntimeRoadside events, towing, replacement equipment, cargo, and lost operating time.Industry Guide →
Tanker TruckingTank vehicles, liquid commodities, loading, unloading, spills, and specialized equipment.Industry Guide →
Hazardous Materials TruckingRegulated materials, transportation liability, pollution, filings, and response planning.Industry Guide →
Driveaway ContractorsVehicle delivery operations, drivers, customer vehicles, and road exposure.Industry Guide →
Commercial Driver TrainingDriving schools, instructors, students, training vehicles, and classroom operations.Industry Guide →Tell us what your business does.
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Insurance starts with how the business actually works.
Good coverage decisions come from understanding the property, people, vehicles, contracts, income, and real-world exposures behind the application.
Explore focused commercial solutions →One agency. The right route for the account.
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Complex commercial risk
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Illustrative planning tool—not a quote, coverage recommendation, or statement of legal requirements.
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