Skip to Main Content
What We Do

Small Business

Our small business insurance services are designed to meet the unique needs of your company. We provide our small business clients with best coverage and price in any insurance market.


Moody Insurance builds unique risk management plans and programs tailored to your small business. Services include contractual risk transfer reviews, exposure and control analysis, loss trending, crisis and claims management, and more. Our insurance professionals develop strong relationships with small business owners, providing ongoing guidance and consultation, so your investment remains protected.



We are here to provide expert guidance and ensure that your business, employees, and assets are protected. Our claims team can walk you through any specialized filings or insurance products needed to meet state and federal requirements. We assist in creating a highly effective claims management strategy — tailored to your business.

Our experienced legal team can assist in the review and preparation of contracts for our clients. We work with subcontractor agreements, lease agreements, oil and gas industry agreements, homeowners/condo owners associations documents, and more.

Our services include a comprehensive review of your small business’ current policy and procedures — including crisis management plans, employee hiring practices, and fleet maintenance programs. We offer job site safety audits with photo documentation, Health and Safety Plan reviews for OSHA compliance (with OSHA 300 log support), and best practices consultation based on your business’ needs.

Moody Insurance runs complete insurance audits and comparisons – ensuring you have the right coverage for your business based on your specific needs.

We utilize ModMaster to review your current risk management strategy, cost allocation, and business needs. With these insights, we can increase the accuracy of spending and management decisions.

Using ModMaster, our team can project your Worker’s Compensation Experience Mod for the next policy period. With this data, we can address potential concerns early, like payroll changes or loss trends.

Through our audits, we are able to look at your business’ historical loss data and calculate expected losses. Our team is able to provide estimates on future losses and potential trends, so your business can be prepared.

Our experts run a complete exposure analysis and identify risk for your business. This allows us to gain valuable information about your business’ potential risk, and ensure you have the right coverage based on your needs.



General Liability insurance protects your business from common lawsuits. If your company is sued for injury, property damage, professional errors or other legal issues, General Liability insurance ensures that your business’ assets are safe.

Hired and Non-owned Commercial Vehicle insurance is vital if your employees ever use personal or rented vehicles for company-related business. It ensures that you will be covered if an accident occurs while an employee is on the road for business tasks.

Workers’ compensation insurance covers wage replacement, medical fees, rehabilitation, or death fees in the event that an employee is injured or dies at the workplace.

Property insurance covers your business’ property in the event of vandalism, theft, and certain weather events or natural disasters. It protects the structure and its contents, including computer equipment and tech.

Inland Marine insurance ensures that your small business is covered if equipment or tools are damaged while in transit. Moving equipment can be a risk for many businesses, and this insurance ensures you won’t be at a loss if something is damaged or goes missing.

Umbrella and Excess Liability insurance is a valuable tool for small businesses. It provides broader, more cost-effective coverage over your primary limits. These products fill potential gaps in your policy, so your business is prepared for the unexpected.

Directors and Officers Liability insurance protects heads of corporations who are personally sued for wrongful company management by employees, customers, vendors, or other parties.

Fidelity Insurance covers losses for small business’ affected by employee forgery, theft, fraud, or dishonesty. These threats can be extremely detrimental, so it’s important to make sure your business is prepared.

Liquor Liability insurance is for businesses that serve, distribute, or sell alcohol. This insurance covers any legal fees, medical fees, or settlement costs in the event of property damage or bodily injury caused by alcohol consumption.

Pollution Liability insurance covers businesses from unexpected pollution exposures. In the event of injury or property damage due to hazardous waste emissions, this insurance covers third party claims.

Employment Practices lawsuits are a growing threat to small businesses. Common lawsuits include wrongful termination, sexual harassment, discrimination, and retaliation. Employment Practices Liability insurance protects your businesses from attorney fees, court costs, and settlement fees up to policy limits if an employee (or potential employee) takes legal action.

Cybercrime is all too common, and your business may be at risk to losses. Cyberliability insurance provides protection for the potential financial impact of a data breech on your business – a service not covered by many standard insurance policies.

If your small business provides professional services or advises clients, you will likely require Professional Liability insurance. It covers legal fees and settlement costs in an event that your business is sued for negligence.



We believe that knowledge is power. The more educated you are about your risk and your insurance options, the better equipped you will be to protect yourself, your business and your assets. Get useful, easy-to-understand insurance and risk management education, tools and support so you can make informed decisions for your business.

View All Resources

Update on Federal and State Employment Laws

On April 27th, we were fortunate to have Colin Walker, Director at Fairfield and Woods, […]

An Introduction to Premises Pollution Liability

On April 6th, we were fortunate to have Kristy Duckworth from Chubb for our latest Moody Insurance […]

Why is Business Life Insurance Necessary For Your Company?

On March 24th, we were fortunate to have Nathan Medin, from Universal Financial Consultants for […]

What Affects Commercial Auto Rates and How Can Fleet Safety Efforts Influence Cost?

On February 23rd, we had our Director of Loss Control, Javier Rivera, CRM lead our […]

15th Annual Moody Insurance Golf Tournament to Benefit Judi’s House

We are incredibly thankful and gracious to all of  our sponsors and golfers who came […]

How to Navigate Tightening Underwriting Standards for Purchasing Cyber Insurance

On January 25th,  we were fortunate to have Ryan Smith from RigidBits, on this Moody Insurance Academy, focused […]

Does Your Auto Insurance Cover Rental Cars?

Does Your Auto Insurance Cover Rental Cars? When renting a car, the rental company will […]

The Lumber Bubble and Homeowner’s Insurance

It is no secret that the cost of lumber began to soar in March 2020 […]

The Moody Difference

Providing peace of mind.

Family-owned, and founded in 1972, Moody Insurance Agency has become a trusted resource for businesses, employees, and families. Our products, and our industry-leading service provides our clients access to the best coverage in a challenging insurance marketplace. We strive to provide more than insurance, but peace of mind.

Get to Know Us

Talk to an expert

Guidance. Solutions. Expertise.

Let our experts help you find the best insurance solutions for your needs. Request a consultation today to get started.

Contact Us

Small Business
Small Business
Small Business
Small Business