Services

Line / Coverage Name	What It Covers / Purpose	Notes / Add-Ons / Considerations
Business Owners Policy (BOP)**	A bundled package (property + liability + business interruption) for small- to mid-sized businesses.	Many small operations find this cost-effective.
Workers’ Compensation	Medical, rehabilitation, wage loss, death benefits for employees injured on the job (as required by state law).	Some states require this; premium is often based on payroll and classification codes.
Commercial Property / Fire & Allied Lines	Protection for owned / leased buildings, contents, equipment, inventory, improvements & betterments, business personal property, etc.	Include options like replacement cost, business interruption, sprinkler leakage, flood, etc.
Commercial Auto / Fleet / Trucking	Coverage for vehicles owned by your business, hired & non-owned auto exposures, etc.	For delivery fleets, service vehicles, haulers, etc.
Umbrella / Excess Liability	Additional liability coverage above the limits of underlying policies (e.g. CGL, auto).	Useful for large exposures or to protect against catastrophic losses.
Professional Liability (Errors & Omissions, E&O)	For mistakes, omissions, or negligence in providing professional services.	Common in services, consulting, architecture, engineering, technology.
Directors & Officers (D&O) / Management Liability	Liability exposures for executive leadership, board decisions, fiduciary liability, etc.	Essential for corporations, nonprofits, associations.
Cyber Liability / Data Breach	Losses from cyberattacks, data breaches, privacy liability, notification costs, forensic, extortion.	Increasingly important in today’s threat landscape.
Crime / Fidelity / Employee Dishonesty	Losses due to theft, forgery, embezzlement, fraud by employees.	Especially important in businesses handling cash, sensitive assets or inventory.
Inland Marine / Transit / Cargo	Coverage for property in transit, mobile equipment, scheduled equipment, tools, instrument floaters.	Useful for construction, logistics, contractors.
Builders’ Risk / Course of Construction	Protects buildings under renovation or construction.	Usually time-limited and tailored to project.
Surety / Bonds	Performance bonds, payment bonds, bid bonds, license & permit bonds, contract surety.	Often required in public contracting or regulated industries.
Employment Practices Liability (EPLI)	Claims of wrongful termination, discrimination, harassment, wage & hour, etc.	Important for businesses with employees.

As a full-service commercial insurance agency, Moultrie Insurance offers every line of commercial coverage to protect your business, your people, and your assets. We act as your advocate — from quoting and binding to claims support — and help you navigate risk with confidence.

Lines of Commercial Coverage We Provide

Line / Coverage Name	What It Covers / Purpose	Notes / Add-Ons / Considerations
Business Owners Policy (BOP)**	A bundled package (property + liability + business interruption) for small- to mid-sized businesses.	Many small operations find this cost-effective.
Workers’ Compensation	Medical, rehabilitation, wage loss, death benefits for employees injured on the job (as required by state law).	Some states require this; premium is often based on payroll and classification codes.
Commercial Property / Fire & Allied Lines	Protection for owned / leased buildings, contents, equipment, inventory, improvements & betterments, business personal property, etc.	Include options like replacement cost, business interruption, sprinkler leakage, flood, etc.
Commercial Auto / Fleet / Trucking	Coverage for vehicles owned by your business, hired & non-owned auto exposures, etc.	For delivery fleets, service vehicles, haulers, etc.
Umbrella / Excess Liability	Additional liability coverage above the limits of underlying policies (e.g. CGL, auto).	Useful for large exposures or to protect against catastrophic losses.
Professional Liability (Errors & Omissions, E&O)	For mistakes, omissions, or negligence in providing professional services.	Common in services, consulting, architecture, engineering, technology.
Directors & Officers (D&O) / Management Liability	Liability exposures for executive leadership, board decisions, fiduciary liability, etc.	Essential for corporations, nonprofits, associations.
Cyber Liability / Data Breach	Losses from cyberattacks, data breaches, privacy liability, notification costs, forensic, extortion.	Increasingly important in today’s threat landscape.
Crime / Fidelity / Employee Dishonesty	Losses due to theft, forgery, embezzlement, fraud by employees.	Especially important in businesses handling cash, sensitive assets or inventory.
Inland Marine / Transit / Cargo	Coverage for property in transit, mobile equipment, scheduled equipment, tools, instrument floaters.	Useful for construction, logistics, contractors.
Builders’ Risk / Course of Construction	Protects buildings under renovation or construction.	Usually time-limited and tailored to project.
Surety / Bonds	Performance bonds, payment bonds, bid bonds, license & permit bonds, contract surety.	Often required in public contracting or regulated industries.
Employment Practices Liability (EPLI)	Claims of wrongful termination, discrimination, harassment, wage & hour, etc.	Important for businesses with employees.

Why Work With Us

Risk assessment & consultation — We analyze your business operations, exposures, contracts, and financials to build a tailored insurance program.
Carrier placement & market access — Because we represent multiple top insurers, we can compare proposals and negotiate terms.
Policy management & auditing — We monitor your policies year to year, identify coverage gaps, and handle audits, renewals, and endorsements.
Claims advocacy — We assist in presenting and managing claims, communicate with the carrier for you, and help secure a fair outcome.
Loss control & risk mitigation — We provide or coordinate safety programs, training, inspections, and recommend risk improvement strategies.
Contract review & insurance requirements — Many clients have contracts requiring specific coverage—lease agreements, subcontracts, client contracts, lenders, etc. We help you comply.
Ongoing service & support — Anytime you change operations, acquire new assets, hire new staff, or expand, we revisit your coverage and adjust.