ONE BROKER, EVERY COMMERCIAL LINE

Commercial & Business Insurance

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General Liability Insurance

Coverage for third-party bodily injury, property damage, and related legal costs arising from everyday business operations.

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Commercial Property Insurance

Protection for owned or leased buildings, equipment, inventory, and other physical business assets against fire, theft, and other covered perils.

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Business Owners Policy (BOP)

A bundled policy combining general liability and commercial property coverage, built for small to mid-sized businesses that want core protection without managing separate policies.

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Workers Compensation Insurance

Coverage for medical costs and lost wages when an employee is injured or becomes ill due to their job, with liability protection for the employer.

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Commercial Auto Insurance

Coverage for vehicles owned or used by a business, including liability, physical damage, and coverage for employees driving on company business.

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Commercial Umbrella & Excess Liability Insurance

Additional liability coverage that extends beyond the limits of underlying general liability, auto, or employer's liability policies.

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Inland Marine Insurance

Coverage for business property in transit or stored away from a primary location, including tools, equipment, and goods in motion over land.

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Ocean Cargo & Marine Insurance

Coverage for goods transported by sea, protecting against loss or damage during international or domestic maritime shipping.

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Equipment Breakdown Insurance

Coverage for the cost of repairing or replacing equipment damaged by mechanical or electrical breakdown, not typically covered under standard property policies.

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Builders Risk Insurance

Coverage for buildings under construction, protecting materials, fixtures, and equipment against damage during the build process.

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Liquor Liability Insurance

Coverage for businesses that manufacture, sell, or serve alcohol, protecting against claims related to injury or damage caused by intoxicated patrons.

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Commercial Crime Insurance

Coverage for financial losses resulting from employee theft, fraud, forgery, or other criminal acts affecting the business.

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Surety Bonds

A three-party guarantee ensuring a business fulfills contractual, licensing, or legal obligations, commonly required for contractors and licensed professionals.

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Cyber Liability

Your general liability policy almost certainly does not cover a cyberattack — and the costs of one can arrive fast, from multiple directions, before you have time to prepare.

Specialty Lines for Risk Most Brokers Miss

The coverage areas that rarely come up until a business has already been exposed, from cyber incidents to leadership liability.


  • Cyber liability and technology E&O
  • Directors and officers, professional liability, and fiduciary liability
  • Employment practices liability and commercial crime
  • Environmental and pollution liability
  • Products liability and product recall
  • Trade credit, kidnap and ransom, and captive and alternative risk solutions
  • Ocean cargo and marine insurance
common questions before getting started

Find the Gap Before a Claim Does

  • What commercial insurance does my business need?

    Most businesses need a core set of coverages, including general liability, commercial property, and workers compensation, plus any specialty lines relevant to their specific exposure, such as cyber liability or professional liability. A coverage review with our advisory team identifies which lines actually apply to your operation.

  • Who covers specialty commercial risk like cyber and D&O?

    MJM Global places both core and specialty commercial lines, including cyber liability, directors and officers liability, and other management liability coverage, under a single advisory relationship rather than requiring separate vendors.

  • Can a smaller business get the same market access as a large corporation?

    Yes. Our independent ownership and access to top-rated providers throughout the United States and abroad allow us to place coverage for sole proprietors and for accounts with limits in excess of $250,000,000 with the same level of attention.

  • What is the difference between core coverage and specialty lines?

    Core coverages, like general liability and property insurance, address risks nearly every business faces. Specialty lines address risks specific to certain exposures, such as data breaches, professional errors, or environmental incidents, and are often overlooked until a claim occurs.