You've invested everything into your business. One lawsuit, one data breach, or one accident can put it all at risk. Buffer Insurance works with businesses of every size to find the right commercial coverage — without the runaround.
Your Commercial Advisor
Jenna Easterling
Commercial Insurance Advisor
Independent broker · Works with multiple carriers to find the best fit for your business.
Why It Matters
Most business owners are underinsured — and don't know it.
A single liability claim can cost hundreds of thousands of dollars. A data breach can expose you to regulatory fines and litigation. A fire or theft can shut your doors for months. The right commercial insurance program doesn't just cover losses — it keeps your business running when the unexpected happens.
As an independent broker, Buffer isn't tied to any single carrier. We shop your coverage across multiple insurance companies to find the right fit for your industry, your risk profile, and your budget.
$97,200
Average cost of a single liability claim for a small business
Source: 2025 National Small Business Risk Index
43%
Of small businesses hit by a natural disaster never reopen
Source: Federal Emergency Management Agency (FEMA)
37%
Of small businesses say a $100K cyberattack would end their business
Source: VikingCloud Small Business Cyber Report, 2025
Coverage Finder
Not sure what you need?
Answer three quick questions and we'll show you the coverages that matter most for your business — no contact info required.
Step 1 of 5
What best describes your business?
Choose the option that fits closest.
Services
Trades & Property
Hospitality & Retail
Specialized Industries
Step 2 of 5
How many people work in your business?
Including owners, full-time, and part-time employees.
Step 3 of 5
What are you most concerned about?
Select all that apply — this helps us prioritize what matters most to you.
Step 4 of 5
What state do you operate in?
Workers' comp rules, E&O mandates, and other requirements vary significantly by state.
Quick compliance note
Step 5 of 5
Do you currently have business insurance?
This helps us tailor your results — whether you're starting fresh or reviewing what you have.
Your recommendations are one click away.
Want a real recommendation?
Jenna can review your specific situation in a free 15-minute call — no obligation, no pressure, just answers.
Anonymous session data stored locally. No PII collected.
Core Coverages
Everything your business needs to stay protected.
Most businesses need more than one type of coverage. We'll help you build a program that covers the risks that matter most — without paying for what you don't need.
The foundation of any commercial insurance program. Protects your business against third-party claims of bodily injury, property damage, and personal injury arising from your operations.
Who needs it: Every business that interacts with clients, customers, or the public.
A bundled policy that combines general liability and commercial property coverage in one cost-effective package — designed specifically for small and mid-size businesses.
Who needs it: Small to mid-size businesses looking for comprehensive, affordable coverage.
General LiabilityCommercial PropertyBusiness InterruptionBundled Value
Required in most states, workers' comp covers medical expenses and lost wages for employees injured on the job — and protects your business from related lawsuits.
Who needs it: Any business with employees. Required by law in Texas and most states.
Medical ExpensesLost WagesEmployer LiabilityState Compliance
Personal auto policies don't cover vehicles used for business. Commercial auto protects your company vehicles, leased vehicles, and employees driving personal cars for work.
Who needs it: Businesses with company vehicles or employees who drive for work purposes.
Company VehiclesHired & Non-Owned AutoLiabilityPhysical Damage
Data breaches and cyberattacks are among the fastest-growing risks for businesses of all sizes. Cyber liability covers breach response costs, regulatory fines, and business interruption from a cyber event.
Who needs it: Any business that stores customer data, processes payments, or operates online.
Data Breach ResponseRansomwareRegulatory FinesBusiness Interruption
Also known as Errors & Omissions, this coverage protects professionals against claims of negligence, mistakes, or failure to deliver promised services — even if the claim is groundless.
Who needs it: Consultants, advisors, healthcare providers, tech companies, and service professionals.
Every business is different. These specialty coverages address risks that standard policies don't cover — and are often the ones that matter most when something goes wrong.
Protects company directors and officers from personal liability for decisions made in their leadership roles. Essential for corporations, nonprofits, and any company with a board.
Who needs it: Corporations, nonprofits, startups with boards or investors.
Covers claims by employees alleging discrimination, wrongful termination, harassment, or wage violations. One of the fastest-growing areas of small business litigation.
Who needs it: Any business with employees — especially at 5+ employees.
Covers buildings and structures under construction against fire, theft, vandalism, and weather damage. Required on most construction loans and project contracts.
Who needs it: Contractors, developers, and property owners during active construction.
Under ConstructionMaterials & EquipmentProject CoverageConstruction Loans
Standard commercial property policies exclude flood damage. Separate flood coverage is critical for businesses in flood-prone areas — and many areas outside flood zones still experience damaging floods.
Who needs it: Any business in or near a flood zone, or in areas with heavy rainfall.
Reimburses non-recoverable costs if an event is cancelled or postponed due to weather, illness, vendor failure, or other covered causes. Protects both organizers and venues.
Who needs it: Event planners, venues, promoters, corporate event organizers.
Covers liability for injury or damage caused by an intoxicated person served at your establishment. Required in most states for businesses that serve or sell alcohol.
Who needs it: Restaurants, bars, venues, caterers, and retailers that sell alcohol.
Dram Shop LiabilityAlcohol ServiceThird-Party InjuryState Compliance
Covers claims that a product you manufactured, distributed, or sold caused bodily injury or property damage. Often excluded or limited in standard GL policies.
Who needs it: Manufacturers, wholesalers, distributors, and retailers of physical products.
Manufacturing DefectDesign DefectFailure to WarnRecall Costs
Covers ransom payments, negotiation costs, and crisis response for kidnapping, extortion, and wrongful detention. Critical for businesses with employees traveling internationally.
Who needs it: Companies with international operations or employees in high-risk regions.
International TravelRansom PaymentsCrisis ResponseExecutive Protection
Covers losses from employee theft, forgery, computer fraud, and social engineering schemes. Most commercial property policies explicitly exclude crime-related losses.
Who needs it: Any business handling cash, inventory, or financial transactions.
Provides additional liability coverage above the limits of your primary policies. When a catastrophic claim exceeds your GL, auto, or workers comp limits, umbrella coverage picks up the difference.
Who needs it: Businesses seeking higher overall liability limits — especially mid-to-large operations.
Protects plan administrators and trustees from claims of mismanagement of employee benefit plans — including 401(k), pension, and health benefit programs.
Who needs it: Any employer that sponsors a retirement plan or employee benefit program.
We write coverage across dozens of commercial lines. If you have a unique risk or a coverage you don't see listed, Jenna can find the right market for it.
Why Buffer
What makes us different from other commercial brokers.
01
Independent — we work for you
We're not captive to any single carrier. That means we shop your coverage across the market and recommend what's actually best for your business — not what pays us the highest commission.
02
Plain English, no surprises
We explain what you're covered for, what you're not, and why — before you sign anything. No jargon, no fine print surprises, no policies that only work when it doesn't matter.
03
A real advisor, not a call center
When you have a question or need to file a claim, you'll reach a real person who knows your account. We build long-term relationships with our commercial clients — not just policies.
Jenna Easterling
Commercial Insurance Advisor
Your dedicated commercial advisor
Jenna works exclusively with business owners to build commercial insurance programs that actually protect what they've built. She takes the time to understand your operations, your industry, and your risk tolerance — then finds coverage that fits.
From a single-owner LLC to a multi-location operation, Jenna handles commercial lines across general liability, property, workers' comp, cyber, and more — licensed across 41 states.
Get Started
Ready to protect your business?
Start with a free commercial insurance review. We'll look at what you have, identify any gaps, and show you your options — no pressure, no obligation.
