Coverage built for the way you run.
Every business is a unique combination of risks. Lux assembles coverage that addresses your real exposure — and avoids both gaps and over-insurance.
What we cover for business
Protect buildings, equipment, signage, and inventory — and keep income flowing after a loss.
- Fire, storm, hail, theft, vandalism
- Lost income / business interruption
- Temporary location funding
- Equipment breakdown
- Outdoor signage & fencing
- Inventory & stock
- Bodily injury & property damage
- Products-completed operations
Business insurance FAQ
What's a Business Owner's Policy (BOP)?
A BOP bundles commercial property, general liability, and business interruption into one policy at a lower combined premium. It's the standard starting point for most small businesses.
Do I need workers' comp if I'm a sole proprietor?
In most states, sole proprietors with no employees aren't required to carry it — but you can elect to. Once you hire your first employee, requirements vary by state. We'll walk you through what applies.
What's the difference between general and professional liability?
General liability covers physical injury and property damage. Professional liability (E&O) covers financial harm caused by your advice or services — like a missed deadline or bad recommendation.
How do I figure out the right liability limits?
A good rule is enough coverage to address worst-case exposure for your industry and contract requirements. Many leases and client contracts dictate minimums — we make sure you exceed them.
Can you write coverage for a brand-new business?
Yes. We have markets for startups and new ventures across most industries, including those with limited operating history.
Let's protect what you've built.
We'll assemble coverage around your real exposure — no gaps, no over-insurance.