BIABiz Insurance Atlas

Industry library

Business Insurance by Industry

Industry-specific business insurance research for contractors, professionals, retailers, restaurants, healthcare, transportation, technology, property businesses, and more.

Reviewed August 11, 2026. Educational guide, not a quote or coverage decision.

Choose a guide

Each page is meant to help a business owner ask better questions before quotes, contracts, renewals, certificates, or claims.

ContractorsGeneral contractors, subcontractors, jobsite liability, tools, and certificates.ElectriciansJobsite injury, wiring damage, tools, vehicles, and license requirements.PlumbersWater damage, completed operations, tools, and service vehicles.HVAC ContractorsInstallation work, service calls, tools, and completed operations.RoofersHeight exposure, subcontractors, tools, and certificate requirements.PaintersOverspray, ladder work, property damage, and jobsite tools.LandscapersEquipment, vehicles, pesticide questions, and seasonal payroll.Janitorial BusinessesCustomer property, employee theft, slips, and after-hours access.Handyman BusinessesSmall jobs, property damage, tools, and contract requests.CarpentersCustom work, tools, installation, and completed operations.Concrete ContractorsJobsite injury, property damage, vehicles, and equipment.Masonry ContractorsHeavy materials, jobsite safety, tools, and subcontractor certificates.Flooring InstallersInstallation damage, tools, and completed operations.Drywall ContractorsJobsite work, subcontractors, tools, and contract requirements.RemodelersOccupied homes, subcontractors, materials, and builder risk questions.Excavation ContractorsUnderground utilities, equipment, and pollution concerns.Tree Service BusinessesHeight, chainsaw, equipment, property damage, and vehicles.Pest Control BusinessesChemical use, customer property, vehicles, and licensing questions.Security Guard CompaniesPremises liability, client contracts, employees, and vehicles.RestaurantsSlips, food, property, liquor, workers comp, and delivery exposures.CafesCustomer injuries, equipment, property, spoilage, and workers comp.Food TrucksVehicles, cooking equipment, commissary rules, and events.BakeriesProperty, equipment breakdown, spoilage, product liability, and delivery.BarsLiquor liability, assault and battery questions, property, and workers comp.CaterersEvents, food handling, hired auto, liquor, and certificates.Retail StoresCustomer injuries, inventory, theft, property, and leases.Ecommerce SellersProduct liability, inventory, cyber, and vendor contracts.Clothing BoutiquesInventory, premises, online sales, and tenant improvements.Grocery StoresSlips, spoilage, product liability, and property.Convenience StoresPremises, crime, fuel, workers comp, and property.SalonsProfessional services, premises, products, and booth renters.Barber ShopsProfessional service questions, premises, property, and leases.SpasProfessional services, products, equipment, and client injury.GymsMember injury, waivers, trainers, property, and workers comp.Yoga StudiosStudent injury, instructors, leases, and event certificates.Personal TrainersClient injury, professional services, venues, and online coaching.Daycare CentersChildren, staff, vehicles, property, and sensitive liability issues.Tutoring BusinessesProfessional services, home visits, cyber, and contracts.Private SchoolsStudents, staff, property, vehicles, and directors and officers.NonprofitsEvents, volunteers, directors and officers, property, and grants.ChurchesProperty, events, volunteers, vehicles, and youth programs.IT ConsultantsTechnology e&o, cyber, client contracts, and data access.Software DevelopersTechnology e&o, cyber, contracts, and implementation risk.Web DesignersProfessional liability, cyber, intellectual property, and contracts.Marketing AgenciesMedia liability, professional liability, cyber, and client contracts.AccountantsProfessional liability, cyber, client records, and privacy.BookkeepersProfessional liability, crime, cyber, and client funds handling.Business ConsultantsProfessional advice, client contracts, and cyber exposure.ArchitectsProfessional liability, project contracts, and certificates.EngineersProfessional liability, project contracts, and subcontractor questions.Real Estate AgentsE&o, open houses, cyber, and client funds questions.Property ManagersE&o, tenant claims, maintenance, vehicles, and crime.LandlordsCommercial property, premises liability, leases, and certificates.Cleaning BusinessesCustomer property, employee theft, vehicles, and after-hours access.Moving CompaniesCargo, vehicles, customer property, and certificates.Trucking BusinessesCommercial auto, cargo, filings, and driver safety.Delivery BusinessesVehicles, hired auto, cargo, and driver records.Courier ServicesCommercial auto, cargo, contracts, and time-sensitive deliveries.Auto Repair ShopsGarage liability, garagekeepers, property, and workers comp.Car WashesCustomer vehicles, property, equipment, and water-related concerns.Tow Truck BusinessesCommercial auto, garagekeepers, on-hook towing, and drivers.Dog GroomersAnimal injury, customer property, premises, and mobile services.Pet SittersCare custody questions, keys, homes, and animal injury.PhotographersEquipment, events, professional liability, and client contracts.Event PlannersVenues, vendors, liquor, cancellation, and certificates.Wedding VenuesPremises, liquor, property, contracts, and event certificates.HotelsProperty, premises, workers comp, cyber, and guest property.MotelsProperty, premises, crime, cyber, and guest incidents.Bed and BreakfastsProperty, guests, food service, and home-based questions.FarmsProperty, equipment, product liability, vehicles, and seasonal workers.ManufacturersProduct liability, property, equipment, workers comp, and supply chain.WholesalersInventory, product liability, cargo, and contracts.WarehousesProperty, equipment, cargo, bailee, and workers comp.Machine ShopsEquipment, workers comp, product liability, and property.Print ShopsEquipment, property, professional services, and delivery.Medical OfficesProfessional liability, property, cyber, and workers comp.Dental OfficesProfessional liability, equipment, cyber, and patient records.Home Health AgenciesProfessional liability, workers comp, vehicles, and care settings.Med SpasProfessional services, products, equipment, and client injury.

How to use this library

This section is organized for business owners who need to compare policy forms, contracts, certificates, records, and claim documents. Start with the page closest to the current business decision, then keep the related documents beside the policy file.

The best results come from reading the guide together with current quotes, declarations pages, endorsements, contracts, leases, vehicle schedules, payroll records, and claim correspondence.

For a new business, this often begins with quote preparation. For an established business, it often begins with a renewal, audit, claim, lease, certificate request, new vehicle, new employee, new location, or client contract.

Working file

  • Business operations and locations.
  • Contracts and certificate requests.
  • Payroll, revenue, property, and vehicles.
  • Claims, loss runs, audits, and renewals.

What to prepare before opening a guide

Most commercial insurance questions become clearer when the reader has the current business facts in front of them. A guide can explain the issue, but the policy answer depends on the documents and operations behind that issue.

Business factsLegal name, DBA, locations, services, employees, payroll, revenue, vehicles, tools, and property values.
Contract factsLease clauses, client requirements, certificate holder names, endorsement requests, limits, and deadlines.
Policy factsDeclarations pages, forms list, endorsements, exclusions, deductibles, audits, claim contacts, and renewal dates.