WHAT IS COMMERCIAL INSURANCE?

Commercial insurance is a broad category of insurance products designed to help businesses manage financial risks associated with their property, operations, employees, vehicles, customers, products, professional services, and other exposures.

There is no single commercial insurance policy that automatically fits every business.

A restaurant has different risks than a construction company.

A medical office has different risks than a real estate brokerage.

A manufacturer has different exposures than a professional consultant.

A retail store has different needs than an apartment building owner.

A contractor has different insurance requirements than a technology company.

That's Why We Start With Your Business.

Before discussing coverage, it is important to understand:

• What your company does

• Where you operate

• What property you own

• What property you lease

• Who works for you

• What vehicles you use

• What equipment you own

• What services you provide

• What products you sell

• What contracts you sign

• Who your customers are

• What vendors you use

• What your annual revenue looks like

• What your potential liability exposures are

• What could interrupt your business

The goal is to match your insurance strategy to your business—not force your business into a generic insurance package.

THE COMMERCIAL INSURANCE PORTFOLIO

Depending on your business and circumstances, commercial insurance can include a wide range of coverage types.

Major commercial insurance categories can include:

• Business Owners Policies

• Commercial General Liability

• Commercial Property

• Business Income

• Commercial Auto

• Workers' Compensation

• Professional Liability

• Errors & Omissions

• Directors & Officers Liability

• Employment Practices Liability

• Cyber Liability

• Commercial Umbrella

• Excess Liability

• Inland Marine

• Equipment Coverage

• Contractor Insurance

• Builders Risk

• Product Liability

• Liquor Liability

• Commercial Crime

• Businessowners Coverage

• Surety Bonds

• Employment-related coverage

• Environmental Liability

• Equipment Breakdown

• Fiduciary Liability

• Management Liability

• Special Event Coverage

• Vacant Property

• Landlord/Commercial Real Estate Coverage

• And other specialized commercial insurance solutions

Not every business needs every coverage.

The objective is to determine which risks are relevant to your particular operation.

BUSINESSOWNERS POLICY — BOP

A Comprehensive Starting Point for Eligible Small Businesses

A Businessowners Policy, commonly called a BOP, can combine several important types of commercial insurance into one package for eligible businesses.

A BOP may combine coverage such as:

• Commercial property

• General liability

• Business income

• Other applicable coverages or endorsements

BOP eligibility varies based on the business, industry, size, location, operations, revenue, property, and insurance-company underwriting requirements.

Why Consider a BOP?

For an eligible small business, a BOP can provide a convenient way to address multiple exposures through one coordinated insurance package.

It may be appropriate for businesses such as:

• Retail stores

• Professional offices

• Small contractors

• Service businesses

• Restaurants

• Certain property owners

• Other eligible small businesses

The important question is not:

"Do I need a BOP?"

It is:

"What risks does my business face, and what policy structure is appropriate for those risks?"

COMMERCIAL GENERAL LIABILITY

Protecting Your Business From Everyday Liability Exposure

Commercial General Liability, commonly known as CGL, is one of the foundational coverages for many businesses.

It is generally designed to address certain third-party claims involving covered:

• Bodily injury

• Property damage

• Personal and advertising injury

subject to the policy's terms, conditions, exclusions, and limits.

Consider a Simple Example.

A customer enters your business.

They slip.

They fall.

They are injured.

They seek medical treatment and later bring a claim against your company.

General liability insurance may provide coverage for a qualifying claim, subject to the policy.

Liability Exposure Can Come From Many Directions.

A business could potentially face claims involving:

• Customers

• Vendors

• Visitors

• Contractors

• Property owners

• Other third parties

That's why general liability is often a fundamental component of a commercial insurance strategy.

COMMERCIAL PROPERTY INSURANCE

Protecting the Physical Assets of Your Business

Your business may depend on significant physical assets.

Commercial property coverage can potentially protect covered business property against covered causes of loss.

Depending on the policy, this may include:

• Buildings

• Furniture

• Fixtures

• Equipment

• Inventory

• Machinery

• Computers

• Business personal property

• Certain improvements and betterments

• Other covered property

Your Business Property Has Value.

Imagine a fire damages your office.

Or a storm damages your building.

Or a covered loss destroys your inventory.

The financial impact could extend far beyond the cost of repairing the building.

You could also lose:

• Equipment

• Furniture

• Inventory

• Documents

• Computers

• Specialized tools

• Other business property

Commercial property coverage can be an important part of protecting those assets.

BUSINESS INCOME INSURANCE

What Happens When Your Business Can't Operate?

This is one of the most important questions a business owner can ask.

If a covered loss damages your property and forces your business to temporarily shut down, you may still have:

• Payroll

• Rent

• Utilities

• Loan payments

• Taxes

• Vendor obligations

• Insurance expenses

• Other continuing costs

At the same time, your revenue may decline or stop.

Business Income Coverage

Depending on the policy and circumstances, business income coverage may help replace certain lost income and/or continuing expenses resulting from a qualifying covered loss.

The specific coverage, waiting periods, limits, restoration periods, and conditions vary by policy.

Think About the Real Risk.

The building may cost $500,000 to repair.

But what if your business loses $100,000 in revenue while the building is being repaired?

The interruption itself can become a major financial problem.

EXTRA EXPENSE COVERAGE

Sometimes Staying Closed Isn't an Option.

A business may need to spend additional money to continue operating after a covered loss.

For example, a business may need to:

• Rent temporary space

• Lease temporary equipment

• Relocate operations

• Pay additional transportation costs

• Arrange alternative production

• Implement temporary solutions

Depending on the policy, Extra Expense coverage may help with certain additional costs associated with continuing operations following a qualifying covered loss.

For some businesses, maintaining operations is critical.

COMMERCIAL AUTO INSURANCE

Your Personal Auto Policy May Not Be Enough for Business Use.

If your company owns vehicles—or employees use vehicles for business purposes—you may need commercial auto insurance.

Commercial auto coverage can potentially apply to eligible vehicles and business-related driving exposures.

This can include:

• Company vehicles

• Work trucks

• Vans

• Service vehicles

• Certain specialty vehicles

• Business-owned vehicles

Potential coverage components may include:

• Liability

• Collision

• Comprehensive

• Uninsured/underinsured motorist coverage

• Medical-related coverage where applicable

• Hired and non-owned auto coverage

• Other endorsements

Hired & Non-Owned Auto

A business may have employees or contractors using vehicles that the business does not own.

Depending on the circumstances, Hired and Non-Owned Auto Liability may provide protection for certain business-related auto liability exposures involving eligible hired or non-owned vehicles.

This can be particularly important for companies where employees regularly drive for business purposes.

WORKERS' COMPENSATION

Protecting Employees and Your Business

If you have employees, workers' compensation can be a critical component of your insurance strategy.

Workers' compensation generally provides benefits for qualifying work-related injuries and illnesses, subject to applicable law and policy terms.

Requirements vary by state and circumstance.

Workers' compensation can address areas such as:

• Medical expenses

• Lost wages

• Disability benefits

• Other legally required benefits

Workers' Compensation Is About More Than Compliance.

It's also about protecting your employees and helping your business manage the financial consequences associated with workplace injuries.

If you employ people, workers' compensation should be part of the insurance conversation.

PROFESSIONAL LIABILITY / ERRORS & OMISSIONS

Your Business May Be Selling Expertise, Not Products.

Some businesses don't manufacture products or operate large facilities.

They sell knowledge.

Advice.

Professional expertise.

Design.

Consulting.

Representation.

Professional services.

That creates a different type of liability exposure.

Professional Liability, often called Errors & Omissions (E&O) insurance, can potentially address certain claims alleging covered errors, omissions, negligence, or failure to perform professional services, subject to the policy.

This can be important for:

• Consultants

• Real estate professionals

• Mortgage professionals

• Accountants

• Attorneys

• Technology companies

• Designers

• Engineers

• Architects

• Marketing professionals

• Other professional service businesses

A general liability policy isn't necessarily designed to replace professional liability coverage.

DIRECTORS & OFFICERS LIABILITY

Protecting Business Leaders

Companies and their directors and officers can face allegations related to management decisions.

Directors & Officers Liability, commonly called D&O, can provide protection for certain covered claims alleging wrongful acts in the management of a company, subject to the policy.

Potential exposures may involve:

• Shareholders

• Investors

• Employees

• Competitors

• Regulators

• Other third parties

D&O coverage can be particularly relevant to corporations, nonprofits, larger businesses, and organizations with boards or significant management responsibilities.

EMPLOYMENT PRACTICES LIABILITY

Your Employees Can Create Liability Exposure Too.

Employment-related disputes can become costly.

Businesses may face allegations involving:

• Wrongful termination

• Discrimination

• Harassment

• Retaliation

• Failure to promote

• Workplace-related employment practices

Employment Practices Liability Insurance (EPLI) can potentially provide protection for certain covered employment-related claims.

As a business grows and the number of employees increases, employment practices exposure can become increasingly important.

CYBER LIABILITY INSURANCE

Every Business Has a Digital Exposure.

Your business may depend on:

• Customer data

• Employee information

• Email

• Cloud software

• Payment systems

• Online accounts

• Computer systems

• Websites

• Digital records

That creates cyber risk.

A cyber incident can involve:

• Data breaches

• Ransomware

• Business interruption

• Social engineering

• Phishing

• Network security incidents

• Privacy claims

• Notification expenses

• Cyber extortion

• Digital restoration

Cyber insurance can potentially provide coverage for certain qualifying cyber-related losses and liabilities, depending on the policy.

Cyber Insurance Isn't Just for Technology Companies.

A restaurant has customer payment information.

A medical practice has sensitive patient information.

A real estate company has client data.

A contractor has customer information.

A professional office has confidential documents.

If your business uses technology or stores information, cyber risk deserves consideration.

COMMERCIAL UMBRELLA & EXCESS LIABILITY

When Your Business Needs Another Layer of Protection

A serious liability claim can potentially exceed the limits of your underlying insurance.

Commercial umbrella or excess liability coverage may provide additional liability protection above certain underlying insurance limits, subject to the policy.

This can be especially relevant for businesses with:

• Significant assets

• High revenue

• Multiple locations

• Large customer exposure

• Commercial vehicles

• Employees

• High-value contracts

• Substantial liability exposure

The goal is to provide an additional layer of protection when the underlying limits may not be enough.

INLAND MARINE INSURANCE

Protecting Property While It's Away From Your Premises

Despite the name, inland marine insurance generally isn't about ocean transportation.

It can provide coverage for certain types of property that are transported, stored, installed, or used away from the primary business premises.

This can be particularly important for:

• Contractors

• Tradespeople

• Equipment companies

• Technology companies

• Businesses transporting valuable equipment

• Mobile operations

Examples can include:

• Tools

• Construction equipment

• Specialized equipment

• Computers

• Installation equipment

• Mobile business property

If your business property travels with you, inland marine coverage may deserve consideration.

BUILDERS RISK INSURANCE

Protecting Property During Construction

Construction projects create unique exposures.

Builders risk coverage can potentially protect covered property during the construction or renovation process, subject to the policy.

Potentially covered property may include:

• Structures under construction

• Building materials

• Certain equipment

• Temporary structures

• Other covered construction-related property

Coverage varies significantly by project and policy.

If you're constructing, renovating, or developing a property, insurance should be addressed before construction begins.

CONTRACTOR INSURANCE

Contractors Need More Than a General Liability Policy.

Contractors can face a combination of:

• General liability exposure

• Commercial auto exposure

• Tools and equipment exposure

• Employee exposure

• Property exposure

• Completed operations exposure

• Contractual requirements

• Subcontractor exposure

• Construction-related risks

Depending on the trade, a contractor's insurance strategy may include:

• General liability

• Commercial auto

• Workers' compensation

• Inland marine

• Equipment coverage

• Umbrella/excess liability

• Builders risk

• Bonds

• Other specialized coverage

Your Insurance Should Match Your Trade.

A plumber doesn't have the same exposure as an electrical contractor.

An HVAC company doesn't have the same exposure as a general contractor.

A roofing contractor doesn't have the same exposure as a landscaper.

The operation matters.

PRODUCT LIABILITY

What Happens When Your Product Causes Harm?

Businesses that manufacture, distribute, import, or sell products can face product-related liability claims.

Product liability coverage can potentially address certain covered claims involving bodily injury or property damage allegedly caused by a covered product, subject to the policy.

Potentially exposed businesses include:

• Manufacturers

• Wholesalers

• Distributors

• Importers

• Retailers

• Food companies

• Product designers

If your company puts products into the marketplace, product liability should be part of your risk conversation.

LIQUOR LIABILITY

Serving Alcohol Creates Additional Exposure.

Businesses that sell, serve, furnish, or distribute alcoholic beverages may face exposures that are not necessarily addressed by standard general liability coverage.

Depending on the business and applicable law, Liquor Liability Insurance may be appropriate.

Potentially affected businesses include:

• Restaurants

• Bars

• Taverns

• Event venues

• Caterers

• Hospitality businesses

• Other businesses involved in alcohol service

Coverage and legal requirements vary significantly by state and business operation.

EQUIPMENT BREAKDOWN

What If Critical Equipment Fails?

Many businesses depend on equipment to operate.

Consider:

• HVAC systems

• Refrigeration

• Boilers

• Electrical equipment

• Production machinery

• Computers

• Commercial kitchen equipment

• Specialized systems

Equipment breakdown coverage can potentially address certain covered losses resulting from mechanical or electrical breakdown, subject to the policy.

For a business that depends heavily on equipment, a breakdown can create both a property problem and a business-income problem.

COMMERCIAL CRIME INSURANCE

Your Business Can Face Internal and External Financial Crime.

Crime exposures can include:

• Employee theft

• Forgery

• Fraud

• Computer fraud

• Funds transfer fraud

• Other covered criminal acts

Commercial crime insurance may provide coverage for certain qualifying losses.

This can be particularly important for businesses that:

• Handle significant amounts of money

• Have multiple employees

• Conduct electronic payments

• Manage customer funds

• Maintain large inventories

• Have multiple locations

ENVIRONMENTAL LIABILITY

Some Businesses Face Pollution Exposure.

Certain industries have environmental risks that may not be adequately addressed by standard liability coverage.

Examples can include:

• Contractors

• Manufacturers

• Property owners

• Industrial operations

• Fuel-related businesses

• Waste-related businesses

• Certain cleaning operations

Environmental liability insurance can potentially provide specialized coverage for qualifying pollution-related exposures.

COMMERCIAL REAL ESTATE INSURANCE

Protecting the Buildings That House Your Business

If you own commercial real estate, your insurance strategy can be very different from that of a business that simply leases office space.

Commercial property owners may need to consider:

• Building coverage

• General liability

• Business income

• Loss of rents

• Equipment

• Tenant improvements

• Vacant property

• Multiple locations

• Contractors

• Property management exposure

• Umbrella/excess liability

If you own the building and operate a business inside it, both exposures should be evaluated.

LANDLORD INSURANCE

Your Investment Property Is a Business Asset.

Owning rental property creates unique insurance considerations.

Depending on the property and operation, coverage may address:

• Building

• Landlord liability

• Rental income

• Other structures

• Property damage

• Certain loss-of-income exposures

The appropriate policy depends on the type of property, occupancy, ownership structure, and operations.

VACANT PROPERTY INSURANCE

An Empty Building Can Create More Risk—Not Less.

A vacant property can have increased exposure to:

• Vandalism

• Theft

• Water damage

• Fire

• Property deterioration

• Liability

Standard commercial policies may have limitations or conditions relating to vacancy.

If your property is vacant, undergoing renovation, between tenants, or otherwise unoccupied, tell your insurance professional.

SURETY BONDS

Insurance Isn't the Only Financial Protection Your Business May Need.

Certain businesses and contracts require bonds.

Depending on the business and project, this can include:

• License bonds

• Permit bonds

• Contract bonds

• Bid bonds

• Performance bonds

• Payment bonds

• Other surety products

Bond requirements can vary significantly.

If a customer, government agency, general contractor, or other party requires a bond, it should be addressed as part of your overall business strategy.

CONTRACTUAL INSURANCE REQUIREMENTS

Your Customer's Contract May Determine What Insurance You Need.

Many businesses sign contracts requiring specific insurance provisions.

You may be asked to provide:

• Certificate of insurance

• Additional insured status

• Specific liability limits

• Waivers of subrogation

• Primary and noncontributory wording

• Commercial auto coverage

• Workers' compensation

• Umbrella limits

• Other contractual requirements

Don't Wait Until the Contract Is Signed.

Insurance requirements should be reviewed early.

A business may discover that its existing policy doesn't satisfy a new contract.

Before signing a significant contract, discuss the insurance requirements with your insurance professional.

CERTIFICATES OF INSURANCE

Proof of Coverage Matters.

A Certificate of Insurance, commonly called a COI, is often used to provide evidence of insurance coverage.

Customers, landlords, lenders, general contractors, property owners, and other parties may request certificates.

But a certificate is generally not the insurance policy itself.

The actual coverage is governed by the policy and applicable endorsements.

That's why it is important to make sure the underlying coverage actually meets the contractual requirement—not simply that a certificate can be produced.

BUSINESS CONTINUITY & RISK MANAGEMENT

What Happens If Your Business Can't Operate Tomorrow?

A good commercial insurance strategy should begin with a simple question:

What would happen to your business if a major covered loss occurred tomorrow?

Could you:

• Continue paying employees?

• Keep your lease current?

• Replace critical equipment?

• Maintain customer relationships?

• Operate from another location?

• Replace inventory?

• Continue servicing clients?

• Survive a prolonged interruption?

Insurance is one component of risk management.

Business owners should also consider:

• Emergency funds

• Backup systems

• Data backups

• Vendor relationships

• Business continuity plans

• Disaster recovery

• Succession planning

• Cybersecurity

• Contract management

The objective is not simply to insure your business. It is to make your business more prepared for the unexpected.

THE BIGGEST COMMERCIAL INSURANCE MISTAKE?

ASSUMING YOUR BUSINESS IS COVERED BECAUSE YOU HAVE A POLICY.

Having a commercial insurance policy doesn't automatically mean every risk is covered.

Your policy may contain:

• Exclusions

• Sublimits

• Deductibles

• Conditions

• Coverage restrictions

• Classification requirements

• Endorsements

• Reporting requirements

• Other limitations

And your business may change after the policy is issued.

You hire employees.

You buy equipment.

You add vehicles.

You move locations.

You expand operations.

You start selling products.

You sign new contracts.

You acquire another company.

You begin working in another state.

Your insurance should be reviewed as your business evolves.

COMMERCIAL INSURANCE FOR STARTUPS

BUILD THE INSURANCE STRATEGY INTO THE BUSINESS PLAN.

Starting a business is exciting.

But new businesses often overlook insurance until a customer asks:

"Can you send me your certificate of insurance?"

Or a landlord says:

"You need commercial liability coverage before you move in."

Or a lender requires:

"Provide evidence of property insurance."

Or a contract specifies:

"You must maintain $2 million of liability coverage."

Don't wait until someone else tells you what you need.

Start with your business model.

Then identify the risks.

Then build the appropriate insurance strategy.

COMMERCIAL INSURANCE FOR ESTABLISHED BUSINESSES

YOUR BUSINESS HAS CHANGED. HAS YOUR INSURANCE?

If your company has grown, your insurance should be reviewed.

Consider a policy review if you've:

• Increased revenue

• Added employees

• Purchased property

• Added vehicles

• Purchased equipment

• Expanded into new locations

• Added products

• Started selling online

• Signed larger contracts

• Expanded services

• Acquired another business

• Started working with larger customers

• Added subcontractors

• Changed ownership

A policy that worked when you had five employees and $500,000 in revenue may not be appropriate after growing into a multimillion-dollar operation.

THE BRANDON S. BROUSSARD APPROACH

ONE BUSINESS. MULTIPLE PERSPECTIVES.

Commercial insurance works best when the insurance professional understands that a business is more than an insurance policy.

Brandon's broader professional experience provides multiple perspectives when discussing property and risk.

REAL ESTATE

Understanding commercial and residential property ownership, transactions, property values, and real estate-related exposures.

MORTGAGE

Understanding the relationship between financing, collateral, property insurance, and lender requirements.

CONSTRUCTION

Understanding construction operations, contractors, renovations, building systems, equipment, and project-related exposures.

INSURANCE

Understanding how commercial insurance can be structured around the risks your business actually faces.

One business. Multiple perspectives.

A COMMERCIAL INSURANCE REVIEW BUILT AROUND YOUR BUSINESS

STEP 1 — UNDERSTAND YOUR OPERATION

We'll discuss:

• Industry

• Services

• Products

• Locations

• Employees

• Revenue

• Vehicles

• Equipment

• Property

• Contracts

• Customers

• Vendors

• Subcontractors

STEP 2 — IDENTIFY YOUR EXPOSURES

We'll look at potential exposure involving:

• Property

• Liability

• Employees

• Vehicles

• Professional services

• Cyber risk

• Equipment

• Business interruption

• Products

• Contracts

STEP 3 — REVIEW YOUR CURRENT INSURANCE

We'll examine your:

• Policies

• Limits

• Deductibles

• Exclusions

• Endorsements

• Certificates

• Contractual requirements

• Coverage gaps

STEP 4 — IDENTIFY POTENTIAL SOLUTIONS

Depending on your circumstances and available insurance-company programs, we can explore appropriate commercial insurance products.

STEP 5 — BUILD A COMMERCIAL INSURANCE STRATEGY

The goal is to create an insurance structure that makes sense for your business, your risk profile, your contractual obligations, and your budget.

WHY BUSINESS OWNERS CHOOSE TO WORK WITH AN INSURANCE PROFESSIONAL

Commercial insurance can become complicated quickly.

The right professional can help you ask questions you may not have considered.

Instead of asking:

"What's my premium?"

Ask:

"What risks are we transferring to the insurance company?"

Instead of asking:

"Do I have general liability?"

Ask:

"What does my general liability policy actually cover—and what doesn't it cover?"

Instead of asking:

"Do I have business property insurance?"

Ask:

"Would my coverage be adequate to rebuild, replace equipment, replace inventory, and potentially continue operating after a covered loss?"

Instead of asking:

"Do I need an umbrella?"

Ask:

"How much liability exposure does my company have?"

That's the difference between purchasing insurance and developing an insurance strategy.

DON'T WAIT UNTIL YOUR BUSINESS HAS A CLAIM

The worst time to discover an insurance gap is after the loss.

Before the accident.

Before the lawsuit.

Before the fire.

Before the cyberattack.

Before the employee injury.

Before the equipment failure.

Before the customer claim.

Let's identify the risks while you still have the opportunity to address them.

PROTECT WHAT YOU'VE BUILT

Your business represents more than a building, a bank account, or a balance sheet.

It represents:

Your investment.

Your employees.

Your customers.

Your reputation.

Your equipment.

Your property.

Your contracts.

Your income.

Your future.

Commercial insurance should be part of a larger strategy designed to help protect those interests.

GET A COMMERCIAL INSURANCE REVIEW

YOUR BUSINESS IS UNIQUE. YOUR INSURANCE SHOULD BE TOO.

Whether you're:

• Starting a new business

• Expanding an existing business

• Purchasing commercial property

• Leasing a new location

• Hiring employees

• Adding vehicles

• Buying equipment

• Signing a major contract

• Expanding into a new market

• Reviewing your existing coverage

• Looking for more comprehensive protection

• Trying to identify potential coverage gaps

Brandon S. Broussard can help you take a broader look at your commercial insurance needs.

ONE PROFESSIONAL. MULTIPLE PERSPECTIVES.

Commercial Property. General Liability. Commercial Auto. Workers' Compensation. Professional Liability. Cyber. Umbrella. Business Income. Contractors. Commercial Real Estate. And More.

LET'S TALK ABOUT YOUR BUSINESS.

Don't wait until a loss forces you to discover what your insurance does—or doesn't—cover.

Contact Brandon S. Broussard, Massachusetts-licensed Property & Casualty Insurance Agent with LMI Insurance Agency Inc., for a commercial insurance review.

PROTECT YOUR BUSINESS. PROTECT YOUR ASSETS. PROTECT YOUR FUTURE.

IMPORTANT COMMERCIAL INSURANCE DISCLOSURE

Commercial insurance coverage, premiums, deductibles, limits, exclusions, endorsements, eligibility, underwriting requirements, policy forms, and availability vary by insurance company, business type, industry, location, operations, claims history, financial characteristics, and individual circumstances.

Not every coverage described on this webpage is appropriate or available for every business. The descriptions provided are general educational explanations and do not modify, expand, or replace the actual insurance policy. Coverage is subject to the terms, conditions, exclusions, definitions, limitations, and endorsements contained in the applicable policy.

Insurance requirements can also vary based on state law, contracts, lenders, landlords, customers, licensing authorities, and other parties. Businesses should review specific insurance requirements with their qualified insurance and legal professionals when appropriate.

This webpage does not guarantee coverage, eligibility, premium, claim payment, policy availability, or acceptance by any insurance company.

Brandon S. Broussard is a Massachusetts-licensed Property & Casualty Insurance Agent with LMI Insurance Agency Inc. Insurance services are provided through the applicable licensed insurance agency and are separate from any real estate, mortgage, construction, HVAC, or other professional services provided through separate companies or entities.