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BUSINESS & OPERATIONAL PROGRAM

Professional Small Business Package

Structured coverage for event-adjacent small business operations that need dependable liability planning, recurring venue access, and reliable underwriting support.

A-Rated Carriers50-State CoverageExpert Underwriting ReviewLicensed Brokerage
small business owner operating a polished market booth

Package Focus

Professional classes

General liability, professional liability, inland marine, and workers' compensation combinations for verified professional and operational classes.

State Availability

50 states admitted

Workers' compensation availability currently extends to 38 states for qualifying classes.

Underwriting Fit

Venue-ready operations

Built for businesses that need recurring venue access, contract review, and a more structured underwriting path than a basic off-the-shelf package.

Who This Program Fits

  • Event service businesses with recurring venue or landlord requirements
  • Retail and activation concepts operating at markets, pop-ups, or public events
  • Owner-operators who need a reliable insurance setup for recurring event work
  • Growing businesses moving beyond one-off short-term coverage
  • Teams that need underwriting review rather than generic self-serve quoting

What We Help Coordinate

  • General liability planning for recurring public-facing operations
  • Landlord, venue, and organizer requirements
  • Review of public-facing or event-adjacent operating exposures
  • Planning for recurring client, venue, and landlord requirements
  • Structured underwriting when a business outgrows simple vendor-only coverage

Eligible Class Codes

The matrix below restores the verified professional class table from the current program source materials. Coverage combinations vary by class, and final terms remain subject to underwriting review and state availability.

Showing 119 verified classes from the current program matrix.

Allied Health

Class of BusinessGLPLIMWC
Acupressure Services
Acupuncture Services
Art Therapy
Audiology
Barber / Hair Stylist Services
Beautician / Cosmetology Services
Dance Therapy
Diet / Nutrition Services
Drama Therapy
Esthetician Services
First Aid and CPR Training
Hypnosis
Marriage and Family Therapy
Massage Therapy
Mental Health Counseling
Music Therapy
Nail Technician Services
Occupational Therapy
Personal Training (Health & Fitness)
Psychology
Social Work Services
Speech Therapy
Substance Abuse Counseling
Yoga / Pilates Instruction

Architecture & Engineering

Class of BusinessGLPLIMWC
Architecture
Building Inspection
Civil Engineering
Control Systems Integration / Automation
Draftsman (Including CAD/CAM)
Electrical Engineering
Engineering
Environmental Engineering
Industrial Engineering
Interior Design
Landscape Architect
Process Engineering
Project Manager (Architecture or Engineering)
Transportation Engineering

Consulting

Class of BusinessGLPLIMWC
Business Consulting
Education Consulting
Human Resources / HR Consulting
Management Consulting
Other Consulting Services
Project Management
Research Consulting
Resume Consulting
Strategy Consultant

Creative

Class of BusinessGLPLIMWC
Graphic Design
Photography

Financial Services

Class of BusinessGLPLIMWC
Accounting
Actuarial Services
Bookkeeping
Credit Counseling
Financial Auditing or Consulting
Investment Advice
Medical Billing
Mortgage Brokering / Banking
Stock Brokering
Tax Preparation

Landscape / Janitorial

Class of BusinessGLPLIMWC
Exterior Cleaning Services
Janitorial / Cleaning Services
Landscape Gardening Services
Lawn Care Services
Snow Blowing and Removal

Legal Services

Class of BusinessGLPLIMWC
Claims Adjusting
Court Reporting
Document Preparation
Expert Witness Services
Legal Services
Notary Services
Process Server
Trustee Services

Marketing / PR

Class of BusinessGLPLIMWC
Advertising
Brand Consultant
Digital Marketing
Direct Marketing
Market Research
Marketing / Media Consulting
Other Marketing / PR Services
Public Relations
Search Engine Services (SEO/SEM)
Social Media Consultant

Miscellaneous

Class of BusinessGLPLIMWC
Answering / Paging Services
Auctioneering
Business Manager Services
Event Planning / Promotion
Executive Placement
Life / Career / Executive Coaching
Personal Concierge / Assistant
Recruiting (Employment Placements)
Talent Agency
Training (Business, Vocational or Life Skills)
Translating / Interpreting
Travel Agency
Tutoring

Real Estate

Class of BusinessGLPLIMWC
Property Management
Real Estate Agent / Broker

Retail

Class of BusinessGLPLIMWC
Appliance / Electronic Stores
Clothing Apparel Stores
Florist
Home Furnishing Stores
Jewelry Stores
Other Stores (With Food / Drinks)
Other Stores (Without Food / Drinks)

Technology

Class of BusinessGLPLIMWC
Application Development
Application Service Provider
Computer Consultant
Computer Programming Services
Computer System / Network Developer
Data Processing
Database Designer
IT Consulting
IT Project Management
IT Software / Hardware Training Services
Other Technology Services
Software Development
Technology Services
Value Added Reseller of Computer Hardware
Website Design

Availability note: Coverage availability varies by exposure and territory. Minimum premiums may vary by state.

Typical Underwriting Review

1Description of operations and annual revenue profile
2How often the business works at events, venues, or public activations
3Venue and contract requirements from clients or landlords
4Any alcohol, products, equipment, or participant-facing exposure
5Prior claims history and existing insurance structure
6Needed turnaround for quotes, binding, and follow-up servicing

Need structured coverage for an operating business?

We help businesses that sit close to events, venues, and public-facing operations move into a steadier insurance structure with cleaner underwriting guidance.

Related Resources

Frequently Asked Questions