Insurance for Small Businesses, Contractors & Property Owners
We Help Protect the Business You Built From the Ground Up
Your business isn’t just a line item—it’s your livelihood. Robbins Insurance offers comprehensive commercial insurance packages for small business owners, contractors, landlords, and professionals. Whether you’re insuring a single storefront or managing a portfolio of rentals, we tailor every policy to your actual operations—not a template.
Who Should Consider Umbrella Insurance?
Retail & storefronts
Home service contractors (HVAC, plumbing, electric)
Landscapers & handymen
Real estate & property managers
Nonprofits, educators, consultants
Food service & small hospitality
Freelancers & home-based businesses
Coverage Options
General Liability
Slip-and-fall? Defective work? Covered.
Commercial Property
Fire, theft, business interruption
Workers’ Compensation
Required in most states
Professional Liability
Errors & omissions protection
Commercial Auto
Work trucks and delivery vehicles
Inland Marine
Tools, equipment, and materials in transit
Cyber Liability
Data breach protection for digital businesses
Bonds
License, permit, bid, and performance bonds
Get an Instant Quote
Why Business Owners Stick With Robbins
- Honest, consultative guidance
- Policy reviews as your business grows
- Local relationships with contractors and trades
- Fast certificates of insurance for job bids
- Support navigating claims—not just filing them
Multi-State? Mobile? No Problem.
We insure businesses in PA, NJ, DE, and MD. Traveling contractors, dual-location professionals, and real estate owners across borders are all welcome here.
Commercial Insurance FAQs
Q: What kinds of businesses do you insure?
A: We insure contractors, tradespeople, consultants, landlords, nonprofits, and many others. We tailor your policy to your exact operations and risks.
Q: Do I need workers’ comp if I hire independent contractors?
A: It depends on your state. Some jurisdictions consider 1099 workers “employees” under certain tests. We’ll help you stay compliant.
Q: What’s included in a Business Owner’s Policy (BOP)?
A: A BOP typically includes general liability, property insurance, and business interruption coverage—all bundled for cost savings.
Q: How fast can I get a Certificate of Insurance (COI)?
A: Often the same day. We know you need COIs to secure contracts and job sites—fast response is part of our service model.
Start With a Conversation
Need to update your current policy or get started from scratch? Let’s make sure you’re protected—today and long-term.
