Protection for What Matters Most

Protection for your home, personal belongings, and personal liability.

• Coverage for qualifying losses such as fire, theft, and storms.
• Water protection and replacement cost options may be available.
• Safety, bundle, and other eligible customer discounts may apply.

Additional liability protection beyond the limits of qualifying home and auto policies.

• Extra protection for serious covered liability claims.
• Designed for customers seeking higher liability limits.
• Bundle and other eligible policy discounts may be available.

Protection for your motorcycle and liability coverage while you are riding.

• Coverage options for accidents, theft, and vandalism.
• Liability protection for covered injuries or property damage.
• Bundle and other eligible customer discounts may apply.

Protection for qualifying side-by-sides, ATVs, UTVs, and other off-road vehicles.

• Coverage options for accidents, theft, and vandalism.
• Protection for qualifying physical damage to the vehicle.
• Liability and eligible multipolicy discounts may be available.

Financial protection for the people who depend on you.

• A death benefit for designated beneficiaries.
• Support for mortgages, debts, education, and living expenses.
• Coverage options designed to protect your family’s financial future.

Salazar Torres & Associates helps small and midsize business owners explore commercial coverage. Start with the product that matches your situation, or request a conversation and an advisor will help you choose. We are an exclusive agency. We do not sell or bind policies on this website.

• See the commercial coverages currently offered on this site.
• Request a conversation in English, Spanish, or Portuguese.
• Review eligibility later with an advisor and an insurance company.

A BOP may combine common commercial coverages in one policy for qualifying small and midsize businesses.

• May package frequently requested commercial coverages in one policy, when eligible.
• Gives an advisor a clear starting point for small and midsize business conversations.
• Helps you compare a packaged option with separate policies, without promising a result.

General liability may help with certain third-party injury, property-damage, and advertising-injury claims, subject to the policy.

• Addresses qualifying third-party injury and property-damage claims related to the business.
• May include certain advertising-injury topics, depending on the policy form.
• Often requested by landlords, clients, and general contractors as proof of insurance.

Workers’ compensation may help with work-related injuries or illnesses. Requirements depend on the state and the business.

• May help with qualifying work-related injuries or occupational illnesses.
• State rules and the size or type of workforce shape whether coverage is required.
• Payroll and job descriptions are reviewed later, not on this website form.

Commercial umbrella may add liability limits above certain qualifying commercial policies. It is not personal umbrella insurance.

• May sit above qualifying commercial liability policies to discuss higher limits.
• Often requested in contracts that ask for limits beyond a primary commercial policy.
• Kept separate from personal umbrella coverage for homes and personal autos.

Commercial bonds may support license, permit, or contract obligations. A bond is not a traditional insurance policy that protects the contractor directly.

• May support license, permit, or contract obligations required by an obligee.
• Underwritten on the business’s ability to perform, not as a typical liability policy.
• Does not replace general liability or workers’ compensation insurance.

Farm insurance may combine protection for a dwelling, farm structures, equipment, operations, and liability, depending on the activity and the policy.

• May address the dwelling together with barns and other farm structures.
• Can include equipment and farm operations when the insurance company offers those options.
• Separates hobby farms from commercial operations during underwriting.

Rental dwelling coverage is for owners who rent a house to others. It is not the same as a home policy for a house you live in.

• Written for landlords, not for the house you occupy as your primary home.
• May include the dwelling structure and landlord liability, subject to the policy.
• Some policies discuss loss of rents after a covered property loss.