Business Insurance—Built Around How You Work
From CGL and BOP to workers’ comp and commercial auto, we tailor coverage—plus same-day COIs for jobs.
Why Work With YR Insurance
Independent: We compare multiple commercial carriers
Same-day certificates (COIs) for clients and job sites
Clear class codes & payroll guidance to avoid surprises
Text and e-sign—on the job or in the office
Core Coverages
General Liability (CGL): Bodily injury, property damage, personal/advertising injury
Business Owners Policy (BOP): CGL + property (stock, tools, tenant improvements, business income)
Workers’ Comp: Required for W-2 employees; we help with payroll audits and classifications
Commercial Auto: Vehicles titled to the biz (or used for work), symbols/coverage tailored to your operations
Umbrella/Excess: Extra liability limits over CGL/auto/work comp (where available)
Industry Experience
Contractors & trades • Cleaning & janitorial • Retail & wholesalers • Professional services • Trucking/light hauling (eligibility varies) • Farm/ranch operations
Yes—we align codes to your actual work.
Often, yes—depends on carrier.
Usually same business day once the policy is active.
Yes—via BOP or inland marine/tool floater.