Business Insurance
Business Insurance
Built for Growth.
From neighborhood shops to multinational corporations, we deliver comprehensive coverage and guidance that protects your business and strengthens your bottom line.
Comprehensive protection for your business
Commercial General Liability
Essential protection against third-party claims for bodily injury, property damage, and advertising injury.
Workers’ Compensation
Cover medical expenses and lost wages for employees injured on the job. Required in most states.
Commercial Auto
Protect your business vehicles and drivers with liability, collision, and comprehensive coverage options.
Commercial Property
Safeguard your buildings, equipment, and inventory against fire, theft, weather, and other covered perils.
Cyber Liability
Shield your business from data breaches, ransomware attacks, and other digital threats with specialized coverage.
Business Income
Replace lost revenue and cover ongoing expenses when a covered event forces your business to temporarily close.
Directors & Officers
Protect your leadership team from personal liability arising from decisions made while managing the company.
Errors & Omissions
Professional liability coverage for claims of negligence, mistakes, or failure to deliver promised services.
Employment Practices Liability
Defend against employee claims of discrimination, wrongful termination, harassment, and other workplace issues.
Group Health
Attract and retain top talent with competitive health insurance plans tailored to your workforce.
Management Liability
Comprehensive coverage combining D&O, EPLI, and fiduciary liability into one streamlined package.
Commercial Trucking
Specialized coverage for trucking operations including cargo, liability, physical damage, and regulatory compliance.
Additional Coverages
Areas of Specialty
Ready to Protect Your Business?
Our trusted agents will review your current program, identify gaps in coverage, and propose the most appropriate protection for your needs.
Agency in the U.S.
Why Choose Otterstedt for Business Insurance?
Named one of the Top 100 Privately Held Insurance Agencies in the country, Otterstedt has served the Tri-State business community for over a century. Our standing with the finest carriers means competitive rates and superior protection for your business.