Case Studies

How Coverage Works
In Practice.

These illustrative examples show how the right commercial insurance coverage protects businesses from real-world risks. Each scenario is based on common claims we encounter across industries.

Names and details are fictional. Based on common commercial insurance scenarios, not actual client claims.

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Construction|4 min read

How a General Contractor Closed a $2M Workers' Comp Gap

A GC's subcontractor was injured on-site. Without proper workers' comp, the GC would have been personally liable for $2M+ in medical costs.

Workers' CompensationUmbrella / Excess LiabilityGeneral Liability

Outcome

$2M+ claim fully covered — $4,200/yr premium increase

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Restaurants|4 min read

A Restaurant's $800K Liquor Liability Claim — and Why It Was Covered

A patron left a restaurant intoxicated and caused a serious accident. The restaurant's liquor liability policy covered the $800K claim.

Liquor LiabilityGeneral LiabilityBusiness Owner's Policy

Outcome

$800K claim + $95K legal fees fully covered — $2,800/yr premium

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Technology|5 min read

How a SaaS Startup Survived a Data Breach That Could Have Killed the Company

A data breach exposed 45,000 customer records. Cyber liability insurance covered $1.2M in forensics, notification, and legal costs.

Cyber LiabilityProfessional Liability / E&O

Outcome

$1.18M covered — company survived and closed Series B

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Landscaping|3 min read

A Landscaping Company's $450K Commercial Auto Claim

A crew truck rear-ended a vehicle on the highway. Commercial auto with proper limits covered the $450K in damages and medical bills.

Commercial AutoGeneral LiabilityTools & Equipment

Outcome

$450K claim covered — saved $1,800/yr by consolidating policies

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Beauty / Salon|3 min read

A Salon Owner's $180K Professional Liability Defense

A client sued a salon for $180K after a chemical treatment allegedly caused permanent hair loss. Professional liability covered the full defense.

Professional Liability / E&OGeneral LiabilityProduct Liability

Outcome

$127K total costs covered — $1,400/yr premium

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Trucking|4 min read

A Trucking Company's $620K Cargo Spill and Highway Cleanup Claim

A flatbed lost its load on I-10, shutting down three lanes for six hours. Commercial auto and cargo coverage handled the $620K in damages and cleanup.

Commercial AutoUmbrella / Excess LiabilityGeneral Liability

Outcome

$620K claim fully covered — $2,500 deductible on $38K/yr premium

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Manufacturing|5 min read

How a Manufacturer Survived a $1.4M Product Liability Recall

A design flaw in commercial kitchen equipment caused burn injuries at three restaurants. Product liability covered the $1.4M recall and settlement costs.

Product LiabilityGeneral LiabilityUmbrella / Excess Liability

Outcome

$1.4M recall fully covered — $22K/yr premium increase

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Healthcare|4 min read

A Medical Practice's $380K HIPAA Breach — Covered by Cyber Liability

A ransomware attack exposed 8,200 patient records. Cyber liability covered $380K in HHS fines, breach notification, and forensic investigation costs.

Cyber LiabilityProfessional Liability / E&O

Outcome

$380K HIPAA breach fully covered — $4,800/yr premium

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Retail|4 min read

A Retail Store's $290K Slip-and-Fall Lawsuit — and the Coverage Gap That Almost Sank It

A customer slipped on a wet floor and sued for $290K. General liability and umbrella coverage handled the claim — but only because we'd fixed a dangerous gap.

General LiabilityBusiness Owner's PolicyUmbrella / Excess LiabilityEmployment Practices Liability

Outcome

$297K total claim covered — avoided $47K personal liability

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Contractors|4 min read