Business Insurance

Our Personal Commitment To Your Professional Needs

Coverage and risk management solutions for companies of all sizes.
Commercial Construction Workers

A Partner To Your Professional Success

Our Commercial insurance division has decades of experience across a wide range of industries. During our 54 years in the industry, we have established and nurtured realtionships with many key regional and national carriers. These relationships partnered with our team’s industry experience allow us to deliver our clients with industry leading coverage at the maket’s most cost-effective prices.

Any possible advantage in business is vital to long-term success. We excel at providing our clients with a strategic advantage benefiting from our deep industry knowledge and our ability to provide smart, tailored protections that anticipate and prepare for future challenges, opportunities, and growth.

At Lechner Stauffer we continually strive to push the boundaries of innovation to ensure any business from large to small obtains a truly appropriate level of coverage from highly-rated insurance company options, excellent cost factors, and dedicated claims and risk control support in order to protect their people, property, and financial strength.

A Sample Of Our Coverages For Business
The companies we represent may offer the opportunity to package a number of these coverages within a single policy.


Our proactive, team-based approach to insurance is holistic by design, helping our clients prevent injuries, manage claims, keep projects moving, understand their total cost of risk, and ultimately control costs. Backed with deep relationships with our construction insurance markets, we are able to negotiate the best possible pricing and protection for you.


Our understanding of your supply chain and how you make and deliver your product helps us protect it all along the way. Raw materials on or off your site, your buildings, your product in all stages of production, your profits if a loss occurs – these are the basics to secure. Securing your reputation and customer goodwill are just as important to keeping your business profitable, and we have the experience necessary to help you do it.

Commercial Auto

This coverage is available to protect your business from the liability associated with operating automobiles. Coverage is available for owned, non-owned, and hired vehicles including autos, trucks, vans, tractors and trailers. Physical damage coverage is also available.

Commercial Liability

Provides coverage including defense for liabilities associated with operating a commercial business enterprise. Policies are tailored to meet the specific risk management needs of your business.

Commercial Property

Provides coverage for your buildings and contents. Coverages range from specific named-perils policies to broader all-risk type policies.

Directors & Officers

Designed to protect the directors and officers of your organization from damages and defense costs due to civil claims, claims of negligence, and of errors and/or omissions.

Employment Practices

Liability Provides coverage for defense costs and liability arising from allegations of improper employment practices, sexual harassment, and discrimination.

Home Based Business

Homeowners insurance does not necessarily cover many home business-related claims. This could mean a major loss of income, as well as other significant losses, for your home business. If you have a home based business consider contacting us to discuss proper coverage options that offer both protection and affordability.

Inland Marine

If your business frequently ships products or equipment, you may want to consider purchasing inland marine insurance. This type of coverage is especially important if you ship high-value products or materials, which are often excluded from basic property coverage. Inland marine insurance can cover a wide range of specialty equipment and products.

Ordinance or Law Coverage

One of the most needed types of coverage is also one of the most commonly overlooked, or even known about, by consumers. It’s called Ordinance or Law Coverage. As your building becomes older certain changes in your county’s building codes and ordinance change to reflect new standards for construction. If your older property suffers a substantial loss, fixing it may require a higher construction standard to reflect new laws, therefore simply replacing your property as it was just isn’t good enough to meet these new construction standards and codes. Ordinance or law coverage pays for these upgrades in building standards.

Cyber Liability

Preventative data protection systems are essential to minimize the potential for a security breach. Even with preventative actions in place, businesses should still be prepared in case of a security breach. Prepare your business with a cyber security policy and have confidence in your plan when issues arise. Cyber liability insurance protects your business against damages to your client and to your company. Expenses for lawsuits, reputation maintenance, data repair, and financial damages add up quickly. Limit your chances of a security breach and limit your damages with proper cyber liability insurance.

Special Event Coverage

Businesses sometimes sponsor events like conferences, receptions, exhibitions, or festivals. Such events can generate claims against the event sponsors. To protect themselves, businesses can purchase a type of liability coverage called special event insurance to protect against claims by third-parties for bodily injury or property damage. Special event insurance is inexpensive and must be purchased before an event takes place.

Umbrella and Excess Liability

This coverage complements your property/liability program and provides additional limits of coverage. In today’s litigious society, smart business people protect their investment with umbrella coverage.

Workers’ Compensation

This coverage is designed to meet the workers’ compensation laws of your state. Workers’ compensation coverage provides protection for injured workers and supporting protection through employer’s liability coverage.