Commercial Business Insurance for Fleet, Contractor, Property, and Middle-Market Operations
Independent commercial broker serving businesses across Arizona, California, Colorado, Florida, Georgia, Louisiana, Oklahoma, Texas, and Utah.
Built for Businesses With Real Exposure
Crawford-Hill specializes in middle-market commercial placements — accounts too complex for direct writers, too specialized for general agencies. Whether you operate a mixed fleet, manage multiple commercial properties, run a construction company with subcontractor tiers, or have operations spanning multiple states, we have the market access and technical expertise to build a program that actually fits your business.
Commercial Programs We Place
- Fleet Insurance — Mixed fleets, large schedules, and long-haul operations. Motor carrier liability, physical damage, and cargo in one program.
- Trucking Insurance — FMCSA-compliant programs for owner-operators and mid-size carriers. Admitted and non-admitted markets available.
- Contractor Insurance — General liability, builders risk, tools and equipment, and wrap-up programs for contractors and subcontractors.
- Commercial Property — BOP, business income, equipment breakdown, and large property schedules for owners and operators across states.
- Business Insurance — Umbrella, EPLI, cyber liability, and workers compensation for mid-market operations. Packaged or standalone.
- Construction & Development Risk — General contractor programs, subcontractor liability alignment, builders risk coordination, job site exposure structuring, and contractual insurance compliance.
- Landlord Insurance — Multi-property portfolios, commercial landlord liability, and loss of rent coverage for real estate operators.
- Commercial Risk Advisory — Loss control consulting, renewal strategy, and program benchmarking for complex commercial accounts.
Common Issues We Help Identify and Resolve
- Coverage gaps between subcontractor tiers
- Misalignment between fleet usage and policy structure
- Property coverage not aligned with occupancy phase
- Multi-state exposure inconsistencies
- Insurance requirements that exceed or misinterpret contract language
Serving Businesses in Nine States
Arizona · California · Colorado · Florida · Georgia · Louisiana · Oklahoma · Texas · Utah
We place commercial coverage for businesses based in any of our nine licensed states — and for businesses headquartered elsewhere with operations, vehicles, or job sites in those states. The entire process is available remotely by phone, email, and digital tools.
Talk to a commercial broker about your business. Contact Crawford-Hill today for a free consultation.
Frequently Asked Questions
A BOP packages general liability and commercial property coverage into a single policy, typically at a lower combined cost than buying each separately. Many businesses also add business income coverage to a BOP.
Most contractors carry between $1 million and $2 million per occurrence, though specific limits often depend on contract requirements, project size, and municipal licensing rules. We review your contracts to confirm the limit you carry will satisfy them.
Cyber liability covers costs related to data breaches and cyber incidents, including notification expenses, forensic investigation, business interruption, and liability claims from affected parties.
Yes. Colorado requires workers' compensation coverage from the first employee hired, with no size exemption — this applies to full-time, part-time, and seasonal workers.
Request a Commercial Quote · Call: 720-791-2700 · Email: solutions@crawford-hillinsurance.com
