ANNUAL BUSINESS OPERATIONS PROGRAM
Small business coverage that feels built for the way you actually operate.
A structured annual program for consultants, retailers, wellness providers, service businesses, and event-adjacent operators that need certificate-ready coverage across recurring jobs, venues, and client requirements.
Annual Structure
Designed for businesses with recurring jobs, venues, clients, and public-facing operations.
Contract Ready
Structured for COI requests, additional insured wording, and ongoing venue or landlord requirements.
Layered Coverage
General liability, professional liability, inland marine, and workers compensation based on actual fit.
Best Fit
Coverage that follows the business beyond one event date
Best for recurring client work, venue requirements, markets, and year-round operations that need a cleaner annual structure.
Workers comp
38
A-rated access
Direct
PROGRAM FIT
When annual business coverage becomes the better option
This page is for businesses that have outgrown the one-date, one-venue insurance model and now need recurring coverage for how they actually operate.
You operate year-round
This program is built for ongoing business activity across multiple jobs, projects, or venues rather than a single event date.
Clients ask for insurance documents
Recurring COI requests, additional insured endorsements, or landlord requirements are a strong signal that annual business coverage is the better fit.
Your work blends advice and execution
Many classes in this program carry both general liability and professional liability considerations, especially for consulting, creative, instruction, or service work.
You move equipment, tools, or displays
When laptops, cameras, merchandise, tools, or mobile setups travel with the business, inland marine planning often becomes part of the conversation.
WHO THIS PROGRAM SERVES
Common business profiles inside the program
The matrix on this page spans a wide range of verified classes, but these are the operating patterns we see most often when small businesses move into a more structured annual placement.
At a glance
Class families
Verified groupings spanning professional, retail, wellness, and service-based operations.
Verified classes
Searchable class codes currently represented in the active professional small business package.
Admitted states
Territory availability varies by exposure, program fit, and underwriting review.
Profile 01
Professional and Advisory Services
Coverage for businesses whose work depends on expertise, instruction, planning, or delivery of a professional service.
Profile 02
Retail and Client-Facing Operations
Coverage for businesses selling products or providing public-facing services at shops, markets, or client locations.
Profile 03
Wellness, Training, and Instruction
Coverage for businesses that work directly with people through guidance, instruction, wellness, or scheduled services.
UNDERWRITING FOCUS
What gets reviewed before the business gets placed
This program is not a generic off-the-shelf package. Coverage structure depends on how the business works, where it operates, and what documentation clients request.
Review lens
The best submissions clearly explain recurring operations, client requirements, staffing, and any mobile tools or inventory that travel with the business.
Where the business operates
Office locations, markets, venues, client sites, and hybrid operations all influence placement and carrier fit.
What the business promises clients
Advice-based, instructional, creative, and professional services can change the role professional liability plays in the package.
How public-facing the exposure is
Retail traffic, recurring events, walk-in clients, and service activity all shape general liability review.
How equipment or inventory moves
Displays, cameras, laptops, tools, merchandise, and mobile setups matter when equipment travels with the business.
What contracts require
Additional insured requests, venue wording, landlord requirements, and certificate timing all affect how the program gets structured.
Who is working under the business
Employees, subcontractors, instructors, or mixed staffing models can materially affect underwriting and workers compensation review.
COVERAGE STRUCTURE
Coverage is built around operations, not a generic template
The right structure depends on whether the business is primarily client-facing, advice-driven, mobile, retail-oriented, or staffed across multiple locations.
If the exposure is truly limited to a single event date, a one-off event policy may still be the better path. This program is strongest when the business needs recurring annual coverage for how it operates all year.
Program architecture
Coverage lines are layered around the actual business model
General Liability
Core third-party bodily injury and property damage protection for recurring day-to-day operations.
Professional Liability
Important for classes where advice, services, instruction, or deliverables create errors-and-omissions exposure.
Inland Marine
Useful when tools, tech, displays, inventory, or mobile business property travel between jobs or locations.
Workers Compensation
Available for qualifying classes when payroll, staffing, and territory fit the program.
Eligible Class Codes
Use the class matrix as a fit reference
Search likely fit across the current small-business program classes, then let underwriting confirm the final structure based on operations, staffing, and territory.
Class families
12
Verified groupings spanning professional, retail, wellness, and service-based operations.
Verified classes
119
Searchable class codes currently represented in the active professional small business package.
The matrix below shows where general liability, professional liability, inland marine, and workers compensation are commonly available.
Search eligible classes
Use the verified class matrix to spot likely fit before underwriting review. Final eligibility still depends on operations, staffing, and territory.
Showing 38 of 119 verified classes from the current program matrix. Expand the remaining 10 class groups below when you need the full view.
Allied Health
24 classes| Class of Business | GL | PL | IM | WC |
|---|---|---|---|---|
| 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
14 classes| Class of Business | GL | PL | IM | WC |
|---|---|---|---|---|
| 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 |
Coverage availability varies by exposure and territory. Minimum premiums may vary by state.
SUPPORTING RESOURCES
Planning help for certificates, venue requests, and recurring operations
Certificate Support Center
Useful when a landlord, venue, or client asks for proof of insurance and endorsement language before work begins.
Open resourceVenue COI Requirements Guide
Review the common insurance wording venues request so your business can prepare documentation more efficiently.
Open resourceVendor and Exhibitor Coverage Guide
Helpful if your business still toggles between annual operations coverage and event-by-event placements.
Open resourceFREQUENTLY ASKED QUESTIONS
Common questions about the small business program
These are the most common questions we hear from businesses moving from one-off event placements into an annual operating policy.
Need a faster answer?
If you already know the business class or the venue/client requirements, our underwriting team can review the fit directly.
NEXT STEP
If the business needs an annual structure, this is where underwriting starts.
Share the business class, recurring operations, and any certificate requirements. We will review fit, structure, and documentation needs before presenting options.