Commercial business headquarters and enterprise operations
Commercial Risk & Business Insurance

Protect the Business You've Built

From emerging startups to established enterprises, we engineer robust commercial insurance programs that defend your assets, employees, and bottom line.

Commercial Coverage

Business Insurance Solutions

Custom-tailored commercial coverage designed for your exact industry and operational risk profile.

General Liability

Protect your business from third-party claims of bodily injury, property damage, and advertising injury.

  • Bodily injury coverage
  • Property damage liability
  • Personal & advertising injury
  • Legal defense & medical payments
Quote General Liability →

Commercial Property

Safeguard your physical building, tools, equipment, inventory, and crucial business assets from unexpected losses.

  • Building & structure coverage
  • Business personal property
  • Business interruption loss
  • Equipment breakdown
Quote Commercial Property →

Commercial Auto

Cover company vehicles, delivery vans, utility trucks, and employee drivers with customized commercial auto plans.

  • Commercial auto liability
  • Collision & comprehensive
  • Hired & non-owned auto
  • Fleet coverage options
Quote Commercial Auto →

Workers' Compensation

Meet state regulatory requirements and protect your team with workers' comp coverage tailored to your industry.

  • Medical expense coverage
  • Lost wage replacement
  • Employer liability protection
  • Return-to-work programs
Quote Workers' Compensation →

Contractor's Insurance

Specialized coverage for builders, general contractors, and trade specialists including tools and completed operations.

  • Contractor's general liability
  • Inland marine & tool floaters
  • Completed operations coverage
  • Subcontractor liability
Quote Contractor's Insurance →

Professional Liability (E&O)

Errors & omissions coverage for consultants, technology firms, and advisors providing specialized guidance.

  • Errors & Omissions coverage
  • Legal defense cost reimbursement
  • Claims-made policy terms
  • Cyber liability add-ons
Quote Professional Liability (E&O) →
Industries We Serve

Expertise Across Every Sector

Retail & RestaurantsConstruction & ContractorsHealthcare & MedicalTechnology & ITReal Estate & Property ManagementManufacturing & IndustrialTransportation & LogisticsProfessional Services & Consulting
Fast, Free & Independent

Build Your Business Insurance Program

Our commercial specialists will assess your operations, compare 50+ business insurers, and build a program that covers your liability without overpaying.

50+ Top-Rated Carriers

We shop the open market on your behalf to find the best fit and pricing.

1 Business Day Response

Real, licensed advisors review your submission and reply personally.

Dedicated Personal Advisor

You'll always speak with someone who knows your name and your policy.

Zero Obligation, Zero Pressure

No high-pressure sales tactics. Just transparent, fiduciary advice.

Need immediate life insurance?

Get instant approval with our digital life partner: Ethos Life Quote Tool →

No spam. No obligation. A real fiduciary advisor will reach out within one business day.

Have questions? We're here to help. kurtis@thewave.world

Our Carrier Partners

We shop across a broad network of trusted insurers to find you the best coverage at the best price.

Adaptive
AEGIS
Aetna
Ahoy!
Alchemy Insurance
Ambetter Health
AmTrust
Aon Edge
Arkay Auto Warranty
Assurity
Cover Whale
Covertree
Cowbell Cyber
Deductible Defender
Ethos
F&G Annuities & Life
Fetch Pet Insurance
First Insurance
Foxquilt
Great American Insurance Group
GreenShield Risk Solutions
Hagerty
Hiscox
ID IQ
InsurFi
Joyn Insurance
Jewelers Mutual
K&K Insurance
Legal & General America
LIO Insurance
MGT Insurance
Monoline
MSI
Mutual of Omaha
Neptune Flood
ERGO NEXT
Next Insurance
NormanMax
OpenRoad Insurance
Palomar
Pathpoint
Pie Insurance
Propeller Surety
Rainbow
Rainwalk Pet Insurance
Recoop Disaster Insurance
RLI Contrac Pac
RLI Surety
RLI
SBLI
Semsee
Simplicity Group
Simply Business
Slice
Sola Insurance
Starfish Specialty Insurance
Steadily
Sterling Underwriters
Tend
Thimble
Three by Berkshire Hathaway
Titan Flood
Vacant Express
Vortex Weather Insurance
Premium by Inhabit
Priority Health
United Healthcare
United Home Life
We Sure Insurance
Wright Flood
Back 9 Insurance
Berxi
Blitz
Blue Cross Blue Shield
Bolt
BTIS
Carma Cannabis Insurance
Chubb
Coterie
Adaptive
AEGIS
Aetna
Ahoy!
Alchemy Insurance
Ambetter Health
AmTrust
Aon Edge
Arkay Auto Warranty
Assurity
Cover Whale
Covertree
Cowbell Cyber
Deductible Defender
Ethos
F&G Annuities & Life
Fetch Pet Insurance
First Insurance
Foxquilt
Great American Insurance Group
GreenShield Risk Solutions
Hagerty
Hiscox
ID IQ
InsurFi
Joyn Insurance
Jewelers Mutual
K&K Insurance
Legal & General America
LIO Insurance
MGT Insurance
Monoline
MSI
Mutual of Omaha
Neptune Flood
ERGO NEXT
Next Insurance
NormanMax
OpenRoad Insurance
Palomar
Pathpoint
Pie Insurance
Propeller Surety
Rainbow
Rainwalk Pet Insurance
Recoop Disaster Insurance
RLI Contrac Pac
RLI Surety
RLI
SBLI
Semsee
Simplicity Group
Simply Business
Slice
Sola Insurance
Starfish Specialty Insurance
Steadily
Sterling Underwriters
Tend
Thimble
Three by Berkshire Hathaway
Titan Flood
Vacant Express
Vortex Weather Insurance
Premium by Inhabit
Priority Health
United Healthcare
United Home Life
We Sure Insurance
Wright Flood
Back 9 Insurance
Berxi
Blitz
Blue Cross Blue Shield
Bolt
BTIS
Carma Cannabis Insurance
Chubb
Coterie
Adaptive
AEGIS
Aetna
Ahoy!
Alchemy Insurance
Ambetter Health
AmTrust
Aon Edge
Arkay Auto Warranty
Assurity
Cover Whale
Covertree
Cowbell Cyber
Deductible Defender
Ethos
F&G Annuities & Life
Fetch Pet Insurance
First Insurance
Foxquilt
Great American Insurance Group
GreenShield Risk Solutions
Hagerty
Hiscox
ID IQ
InsurFi
Joyn Insurance
Jewelers Mutual
K&K Insurance
Legal & General America
LIO Insurance
MGT Insurance
Monoline
MSI
Mutual of Omaha
Neptune Flood
ERGO NEXT
Next Insurance
NormanMax
OpenRoad Insurance
Palomar
Pathpoint
Pie Insurance
Propeller Surety
Rainbow
Rainwalk Pet Insurance
Recoop Disaster Insurance
RLI Contrac Pac
RLI Surety
RLI
SBLI
Semsee
Simplicity Group
Simply Business
Slice
Sola Insurance
Starfish Specialty Insurance
Steadily
Sterling Underwriters
Tend
Thimble
Three by Berkshire Hathaway
Titan Flood
Vacant Express
Vortex Weather Insurance
Premium by Inhabit
Priority Health
United Healthcare
United Home Life
We Sure Insurance
Wright Flood
Back 9 Insurance
Berxi
Blitz
Blue Cross Blue Shield
Bolt
BTIS
Carma Cannabis Insurance
Chubb
Coterie