Commercial Insurance Solutions
Running a business comes with enough uncertainty—your insurance coverage shouldn’t be one of them. At Lyman Insurance-TWFG, we provide customized commercial insurance solutions designed to protect what you’ve worked hard to build.
As an independent TWFG agency, we partner with a wide range of top-rated carriers, allowing us to tailor coverage based on your actual business risks, not a cookie-cutter policy. Our goal is simple: make sure you’re properly protected without paying for coverage you don’t need.
Personalized Service
Guidance You Can Trust
Here When You Need Us
Let’s make sure you have the right protection for the things that matter most. Whether you need coverage for your home, auto, business, life, or something more specialized, we’re here to help you find the best fit.
Commercial Insurance Coverages We Offer
Business Owner Policies (BOP)
A bundled solution combining essential coverages such as: Property insurance General liability Business interruption coverage Ideal for small to mid-sized businesses looking for broad protection at a competitive price.
Commercial General Liability
Protects your business from claims involving: Bodily injury Property damage Personal and advertising injury Legal defense costs This is the foundation of most commercial insurance programs.
Commercial Property Insurance
Covers your physical business assets, including: Buildings and office space Equipment and inventory Furniture and fixtures Coverage is designed around replacement cost, not market value—an important distinction in today’s high-cost rebuild environment.
Commercial Auto Insurance
Protects vehicles owned or used by your business, including: Liability coverage Collision and comprehensive Uninsured/underinsured motorist coverage Medical payments Whether you have one vehicle or an entire fleet, we help ensure your business stays on the road.
Workers' Compensation Insurance
Provides coverage for: Employee medical expenses Lost wages Employer liability Required for most businesses, workers’ compensation protects both your employees and your company.
Professional Liability (Errors & Omissions)
Coverage for claims involving: Professional mistakes Negligence Failure to perform services as expected Especially important for service-based and professional businesses.
Umbrella and Excess Liability
Adds an extra layer of protection above your existing liability limits, helping safeguard your business from catastrophic claims.
Additional Commercial Coverages
Adds an extra layer of protection above your existing liability limits, helping safeguard your business from catastrophic claims.