Tailored Insurance Solutions for Your Business
Decades of specialized risk expertise—protecting your operations, team, equipment, and work product with target commercial coverage.
Commercial Protection Engineered for Your Specific Industry
Niche Specialization
Off-the-shelf policies leave critical exposures wide open. We specialize in complex, technical fields like inspections, environmental remediation, and professional services.
Advocate's Mindset
We work for you, not the insurance company. If we evaluate your business risk and don't have the exact fit, we'll direct you to a carrier that does.
Comprehensive Portfolio
From core Errors & Omissions (E&O) and General Liability to Cyber and Parametric weather solutions, we manage all your commercial lines under one roof.
Select Your Business Line or Industry
Click on any specialized program below to view policy details, endorsement options, and online applications.
01. Inspection & Property Assessment
Home Inspectors Program
Targeted Errors & Omissions (E&O) and General Liability covering water intrusion, roof inspections, radon, mold, termite/pest attachments, and pool/spa add-ons.
Pest Control & WDO Program
Protection engineered for pest control operators and inspection technicians against property damage claims and missed infestation liabilities.
Commercial & ASTM Assessments
Specialized insurance for field professionals conducting Property Condition Assessments (PCA/ASTM E2018) and commercial real estate evaluations.
02. Professional Services & Executive Liability
Architects & Engineers
Comprehensive professional liability and design defect protection tailored for structural, civil, mechanical, and architectural design consultants.
Real Estate Agents E&O
Protecting brokers and agents from misrepresentation claims, disclosure disputes, and transaction liability throughout buying and selling processes.
Directors & Officers (D&O)
Safeguards board members, executive leaders, and officers from personal liability arising from operational decisions and corporate governance.
Employment Practices (EPLI)
Protection against employee-led lawsuits alleging wrongful termination, sexual harassment, discrimination, and workplace disputes.
03. Contractors & Environmental Solutions
Environmental & Remediation
Essential Pollution Legal Liability (PLL) and E&O for mold remediators, asbestos abatement teams, and environmental testing consultants.
Construction & Development
Builders Risk, General Liability, and specialized Equipment Floaters to protect active Jobsite developments and commercial construction projects.
Understanding Your Commercial Coverage Options
Whether it’s property damage, unexpected shutdowns, or a lawsuit claiming you made a professional mistake, insurance steps in to absorb the financial hit from sudden disasters — keeping your doors open when the unexpected strikes.
Commercial Package Policy (CPP) or Insurance Portfolio or Coverage Suite
A Commercial Package Policy (CPP) bundles property, liability, and other essential coverages into a single, streamlined policy—customized precisely to your industry’s specific risks.
A Businessowner's Policy (BOP)
A Businessowner’s Policy (BOP) is a package of insurance policies that combines property and liability coverage for small to medium-sized businesses. It’s designed to be a convenient and cost-effective way to protect businesses from common risks like property damage, lawsuits, and income loss due to unforeseen events.
Pest Control Program
Designed exclusively for full-time pest control operators: General Liability, Property & Inland Marine, Commercial Auto, Workers Compensation, Umbrella & Excess Liability
Garage insurance
Standard commercial liability policies usually exclude damage to property that is in your “care, custody, or control.” Garage insurance fixes that massive gap. It blends specialized general liability with Garagekeepers Coverage, protecting your business if a customer’s vehicle is damaged by fire, theft, vandalism, or an accident while it’s in your hands—as well as covering day-to-day slip-and-fall risks on your premises.
Environmental Remediation
Traditional “off-the-shelf” policies often contain “Pollution Exclusions” that leave remediation firms dangerously exposed. Remediation work requires a specific blend of professional and environmental insurance that standard agencies often overlook: Contractors Pollution Liability (CPL), Professional Liability (E&O), Pollution Legal Liability (PLL), General Liability (with Pollution Extension).
General Liability
General liability insurance, also known as commercial general liability (CGL) insurance, protects businesses from financial losses due to claims of bodily injury, property damage, and certain other liabilities arising from their operations. This includes costs associated with lawsuits, legal fees, and settlements related to these claims.
Handyman/General Contractor
General liability insurance for a handyman or general contractor covers them for claims of bodily injury or property damage they cause to others during their work. This can include things like a customer being injured on their property, or damage to a client’s home while working on a project. It’s a crucial type of insurance to protect a business from potentially devastating financial losses due to accidents or negligence
Professional Liability or Errors & Omissions
Professional Liability—often called Errors & Omissions (E&O) insurance—is a financial shield for your professional reputation and livelihood.
Directors and Officers (D&O) insurance
Directors and Officers (D&O) insurance protects the individuals who serve as directors and officers of a company from personal financial loss if they are sued for actions taken while managing the company. It covers legal fees, settlements, and other costs associated with lawsuits alleging wrongful acts, such as breach of fiduciary duty, misrepresentation, or failure to comply with regulations.
Lawyers Professional Liability (LPL)
Lawyers Professional Liability (LPL) insurance, or legal malpractice insurance, is a type of professional liability insurance designed to protect lawyers and law firms from claims arising from professional services.
Architects and Engineers Errors and Omissions E&O)
Architects and Engineers Errors and Omissions (E&O) insurance protects design professionals from financial losses due to claims of negligence, errors, or omissions in their work. This type of insurance helps cover legal costs, settlements, and judgments arising from mistakes made in designs, plans, or specifications.
Miscellaneous Professional Liability
Miscellaneous Professional Liability (MPL) insurance protects businesses and individuals from financial loss due to claims arising from errors or negligence in their professional services. It covers defense costs and potential damages resulting from lawsuits alleging professional mistakes, failures to deliver services, or other breaches of professional duty.
Essential Commercial Lines We Bundle
In addition to our industry-specific E&O programs, Madrona Insurance structures complete commercial portfolios.
| Commercial Coverage Line | What It Protects | Ideal For |
|---|---|---|
| General Liability (CGL) | Third-party bodily injury, property damage, and personal injury. | All business types and site visits |
| Commercial Auto & Fleet | Physical damage and liability for service trucks and work vehicles. | Inspectors, contractors, and sales teams |
| Cyber Liability | Data breaches, ransomware attacks, and compromised digital records. | Firms storing client data or contracts online |
| Parametric Insurance | Rapid, trigger-based payouts following major wind, hail, or earthquake events. | Businesses vulnerable to natural disaster disruptions |