Conexion Insurance Agency

Coverage Types Explained

What the Terms
Actually Mean

A quick guide to the lines of business you'll hear us talk about, explained in plain English.

General Liability

The foundation of every business policy.

General Liability protects your business from third-party bodily injury, property damage, and personal injury claims that arise from your operations, your premises, or your products.

Hover the glowing dots to see real examples

Slip & Fall Covers medical bills and injury claims if a guest slips on a wet floor, trips on a mat, or falls on an unsafe surface on your premises.

Products Liability Protects you if something you served or sold food, a drink, or a product causes illness or injury to a customer.

Bodily Injury to a Guest Pays for third-party injuries that happen because of your operations, like a guest being burned by spilled coffee or hit by a dropped tray.

Advertising Injury Covers claims of libel, slander, copyright infringement, or misleading advertising that arise from your signage, menus, or marketing.

Premises Hazard Pays for third-party injuries caused by hazards inside your space, like a falling light fixture, a loose handrail, or unsafe lighting.

Terms, conditions, and exclusions may vary by policy and carrier. The examples above are for informational purposes only and do not guarantee coverage.

Commercial Property

Covers the physical things your business owns.

Commercial Property Insurance protects the building you own or lease and everything inside inventory, equipment, furniture, signage, and tenant improvements. If a covered loss like fire, wind, theft, or vandalism happens, the policy pays to repair or replace what was lost.

Hover the glowing dots to see what's typically covered

Building Coverage Pays to repair or rebuild the structure itself walls, roof, floors, permanent fixtures, and built-in systems if it's damaged by a covered cause of loss.

Business Personal Property Covers the contents of your business inventory, furniture, equipment, computers, tools, and supplies owned by you or in your care.

Outdoor Signs Specifically protects your exterior signage, often with its own sublimit. Wind, vandalism, vehicle impact, and storms can all damage signs.

Tenant Improvements & Betterments If you lease your space, this covers build-outs you've paid for counters, flooring, lighting, and interior finishes you installed but don't legally own.

Equipment & Systems HVAC, electrical, and permanent equipment attached to the building are generally part of Building Coverage. Equipment Breakdown can be added for mechanical/electrical failure.

Terms, conditions, and exclusions may vary by policy and carrier. The examples above are for informational purposes only and do not guarantee coverage. Settlement (ACV vs Replacement Cost), form (Basic, Broad, or Special), and sublimits all affect what actually pays at claim time.

Commercial Umbrella

More than extra limits, and it only covers what your agent explicitly schedules.

A Commercial Umbrella extends above your primary liability limits. When a covered claim burns through your General Liability, Commercial Auto, or Employers Liability, the umbrella steps in for the remainder. Most umbrellas are follow-form, meaning they adopt the same terms and conditions as the underlying policy. A commercial umbrella is not the same as excess liability, and it does not automatically sit on top of every policy you own. Your agent has to schedule each underlying policy for the umbrella to cover it.

Hover the glowing dots to understand how umbrella works in practice

Underlying Limits Must Exhaust First The umbrella only activates after the primary policy's limit is fully used. A $3M claim hits GL first. GL pays its $1M. The umbrella covers the remaining $2M.

What Follow Form Means A follow-form umbrella borrows the same terms, conditions, and definitions as the underlying policy it sits above. If the GL covers it, the umbrella covers the overflow too.

Not Scheduled Means Not Covered Policies not listed as scheduled underlyings, like Cyber or Professional Liability, do not get umbrella protection. Your agent must explicitly add them to the schedule.

Umbrella vs. Excess Liability A commercial umbrella is follow-form and can sit on multiple underlying policies. Excess liability just stacks limits on one specific policy and uses its own form, which is often narrower.

How the Claim Actually Resolves GL pays its $1M limit first. The umbrella then covers the remaining $2M. Without the umbrella, that $2M gap comes out of your business assets.

Terms, conditions, and exclusions vary by carrier and form. Follow-form provisions and drop-down language differ by policy. Always review your schedule of underlying insurance with your agent to confirm coverage applies where you expect it.

Commercial Auto

Liability and physical damage for business-use vehicles.

Commercial Auto is written on any vehicle owned or used by a business service vans, delivery trucks, company cars, contractor pickups. Personal auto policies almost always exclude business use, which is why a proper commercial auto policy is critical.

Hover the glowing dots to see what each coverage does

Liability Covers bodily injury and property damage you cause to someone else while operating a business vehicle from a fender bender in a parking lot to a serious at-fault collision.

Physical Damage Collision and comprehensive coverage for the business vehicle itself repairs or replacement if it's damaged in a crash, by weather, theft, vandalism, or hitting something on the road.

Hired & Non-Owned Auto Extends your liability to rented vehicles and employee-owned cars used on company business. Critical if your team ever runs errands in their own car or rents trucks for jobs.

Medical Payments Pays medical bills for the driver and passengers in your vehicle after an accident regardless of who was at fault. Kicks in quickly, without a fight over liability.

Cargo Coverage (side note) Commercial auto doesn't cover the goods inside. If you're hauling freight, inventory, tools, or customer property, add Motor Truck Cargo or Inland Marine to protect what's in the truck.

Terms, conditions, and exclusions may vary by policy and carrier. The examples above are for informational purposes only and do not guarantee coverage. Symbol selection (1, 7, 8, 9) drives who and what is covered we'll help you pick the right one.

Workers' Compensation

State by state. Not one-size-fits-all.

Workers' Comp is state-mandated coverage that pays medical bills, lost wages, and rehab costs when an employee is hurt on the job. What most business owners miss: you must list every state where you have employees, monopolistic states play by entirely different rules, and the policy's two parts carry very different limits.

Hover the glowing dots to understand how WC really works

Specify Every State Your WC policy must list every state where employees work. Hire in an unlisted state and you have zero coverage there even if that state legally requires it.

Monopolistic States Ohio, Washington, North Dakota & Wyoming don't allow private WC insurers. You must buy from the state fund and add a "Stop Gap" endorsement to get Employer's Liability coverage there.

Part One Statutory Limits No fixed dollar cap. Whatever your state's law requires, the carrier pays medical, wage replacement, rehab, death benefits. The statute defines it all, and it varies by state.

Part Two Employer's Liability Covers lawsuits where an employee claims your negligence worsened the injury. Standard limits are $100K / $500K / $100K but high-risk industries routinely buy $500K or $1M EL.

No-Fault by Design An injured employee doesn't need to prove anyone was negligent. They file a claim, the carrier pays medical and wage benefits, and your business is shielded from most injury lawsuits.

Terms, conditions, and exclusions may vary by policy and carrier. Monopolistic state rules are subject to legislative change. The examples above are for informational purposes only and do not guarantee coverage.

Inland Marine

Coverage for property that moves — on job sites, in trucks, anywhere.

Despite the name, Inland Marine has nothing to do with boats. It covers business property that isn't fixed to one location: contractor tools and equipment on a job site, goods in transit, and specialty items that travel. Unlike a BOP or commercial property policy, Inland Marine goes wherever your stuff goes.

Hover the glowing dots to understand how Inland Marine works

Unscheduled Tools (Under $1,000) Small tools like hammers, drills, and hand tools are typically covered as a blanket unscheduled amount. Most carriers set the threshold around $1,000 — anything under that is covered without being listed individually.

Scheduled Equipment (Over $1,000) High-value machinery like excavators, forklifts, power washers, and generators must be individually listed on the policy with a serial number and agreed value. If it's not on the schedule, it's not covered.

Basic, Broad, or Special Form — Plus Valuation Like commercial property, you choose your cause-of-loss form: Basic covers only named perils; Special form covers all risks unless excluded. You also choose valuation: ACV deducts depreciation, RCV pays full replacement cost, and Stated Value is what you and the carrier agree on upfront.

Goods in Transit — Coverage That Travels Unlike a BOP or commercial property policy tied to a fixed address, Inland Marine covers equipment between job sites, tools in your truck, and inventory while it's moving. Coverage goes where your business goes.

Not Just for Contractors Inland Marine works for any business with valuable property on the move. Churches hauling audio equipment, photographers carrying gear, event companies transporting staging, medical providers with mobile equipment — if your assets travel, Inland Marine may be the right fit.

Terms, conditions, and exclusions may vary by policy and carrier. The examples above are for informational purposes only and do not guarantee coverage.

Cyber Liability

Protection against threats that are often completely out of your control.

Cyber Liability covers the financial fallout of a data breach, ransomware attack, or cyber incident — including expensive legal fees, forensic investigation, credit monitoring for affected customers, and business income loss while you recover. Any business that accepts payments, stores customer data, or uses email is exposed. That is essentially every business.

Hover the glowing dots to see how cyber threats show up in real businesses

Customer Payment Data Breach Every card swipe and tap is a potential exposure point. If your POS system is compromised, customer card data and personal information can be stolen — triggering notification requirements, legal claims, and regulatory fines even if you had no idea it was happening.

Phishing Attacks & Wire Fraud Phishing emails are the most common entry point for cyber incidents. One staff member clicks a malicious link, credentials get stolen, and attackers access your systems — often without anyone knowing until the damage is done. No industry is immune.

Traditional Businesses Are Just as Exposed You don't need to be a tech company to face cyber risk. Coffee shops, restaurants, contractors, salons — any business that handles card payments, stores customer emails, or uses cloud software is a target. Cybercriminals don't discriminate by industry.

Ransomware & System Lockdown Ransomware encrypts your files and demands payment to restore access. Recovery can take weeks and cost tens of thousands. Cyber insurance covers the ransom payment, forensic response, and business income lost while your systems are down.

What the Policy Actually Covers Cyber covers both first-party losses (your downtime, ransom, forensic costs, income loss) and third-party claims (lawsuits from customers whose data was exposed). Most policies bundle both sides, plus credit monitoring for affected individuals and regulatory defense.

Terms, conditions, and exclusions may vary by policy and carrier. The examples above are for informational purposes only and do not guarantee coverage.

Professional Liability (E&O)

When a mistake in your work leads to a lawsuit.

Also called Errors & Omissions, Professional Liability protects service-based businesses from claims of negligence, missed deadlines, bad advice, or failure to deliver promised services. General Liability doesn't cover this if your work is what causes the loss, you need E&O.

Covers

Defense costs, settlements, and judgments related to claims that your professional services caused a client financial harm regardless of whether you actually made a mistake.

Essential for

Attorneys, accountants, consultants
Tech companies & software developers
Real estate agents & brokers
Architects, engineers, designers

Got Questions?

Frequently
asked questions.

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Reach Us Directly

Phone / Text

913-490-9050

contact@conexionins.com

Office

6000 Leavenworth Rd, Suite N
Kansas City, KS 66104

Anything you need, we have a market for it. We sell home, auto, life, health, business, commercial property, general liability, workers' comp, renters, pet, motorcycle, flood, vacant building, landlord, restaurant, bar, dealership insurance, and much more. While we don't specialize in just one thing, we have deep expertise in many industries including real estate, construction, restaurants, high-value homes, and specialty commercial lines. If it needs to be insured, we can find you a competitive rate for it.

Our office is at 6000 Leavenworth Road, Suite N, Kansas City, Kansas 66104. You can also reach us by phone, text, or WhatsApp at 913-490-9050, or by email at contact@conexionins.com. We are licensed and serve clients across Kansas, Missouri, Texas, and multiple other states.

Absolutely, yes. We have markets for all kinds of situations, and we're able to find competitive rates regardless of your circumstances. A driver's license is not a requirement to get insured. Reach out and we'll find you the right coverage.

No, and if you have business insurance and aren't happy with your current situation, we'd actually recommend switching before your policy expires. We handle the entire switching process for you, so you don't have to deal with long certificate turnaround times or hold-ups. Our clients get instant 24/7 access to all their policy documents, including certificates of insurance, through our client portal, so the transition is smooth and fast.

Going directly to a carrier like Progressive or GEICO is an option, but most people who do eventually switch to an independent broker because they weren't being serviced. When you buy direct, you get a 1-800 number. When something goes wrong, or when you need to file a claim, there is no one in your corner advocating for you. An independent broker acts as a neutral third party who can push back on behalf of the client, help navigate the claims process, and make sure you're being treated fairly. That is something you simply won't get from a direct carrier. On top of that, we still offer the same convenience. You do not have to call anyone. You can get your quote right now online, or reach us by text or WhatsApp at any time. We just also happen to be there when it actually matters.

Platforms like biBERK, Next, Hiscox, and other direct-to-consumer options are convenient and can be an okay starting point for very small operations. What they don't give you is guidance. Those platforms hand you a list of endorsements and exclusions and expect you to know what each one means and we regularly see business owners end up with policies that quietly exclude the work they actually do, which can render the coverage useless when a claim shows up. The value we bring is the expertise sitting between you and the policy. It doesn't have to be complicated: we offer the same convenience, you can submit your quote online in minutes, but instead of it landing in an algorithm, one of our expert producers reviews it, flags anything that doesn't fit your operation, and makes sure the policy you end up with actually protects the business you're running.

Yes, absolutely. It is completely okay if you have no prior insurance history or even a bad driving record. We work with a wide range of carriers that specialize in every kind of situation, including non-standard and first-time buyers. Reach out and we will find the right coverage for where you are today.

Yes. If you are not happy with your current broker, we make it easy to transfer your existing policy to us without having to redo or rewrite anything. You keep your coverage, and we take over the service. Click here to start the transfer with a quick e-signed Agent of Record form.

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What the TermsActually Mean

The foundation of every business policy.

Covers the physical things your business owns.

More than extra limits, and it only covers what your agent explicitly schedules.

Liability and physical damage for business-use vehicles.

State by state. Not one-size-fits-all.

Coverage for property that moves — on job sites, in trucks, anywhere.

Protection against threats that are often completely out of your control.

When a mistake in your work leads to a lawsuit.

Covers

Essential for

Kansas City businesses that trust us.

Clients save an average of $1,200/year

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Food Truck & Food Trailer Insurance in Kansas City What Most Carriers Won’t Tell You

Frequentlyasked questions.

Reach Us Directly

What type of insurance do you sell?

Where are you located? Do I have to come in?

I don't have a driver's license. Can I still get insured?

Do I need to wait until my policy expires before switching to you?

Why use an independent broker instead of going directly to Progressive or GEICO?

Why should I buy a business policy from you when I can go to biBERK, Next, or Hiscox and buy insurance with a few clicks?

I don't have any current insurance. Can you still help me?

Can I transfer my existing policy to you?

Get covered today.

What the Terms
Actually Mean

Frequently
asked questions.