Commercial Insurance

At Thomas L. May Insurance Services, we understand that every business faces unique risks—and no two insurance plans should be alike. Whether you’re a contractor, retailer, landlord, or entrepreneur, we help design custom coverage to safeguard your people, property, and profits. As a local independent agency, we work with top-rated carriers to deliver the right protection at a price that fits your bottom line.

Do I Need Commercial Insurance?

Your business is more than your livelihood—it’s the result of your hard work and vision. Commercial insurance helps protect what you’ve built so you can keep moving forward with confidence.

Protects Against the Unexpected

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Disasters, vandalism, and theft can derail operations. The right policy helps you recover quickly and reduce losses.

  • Coverage for repairing or replacing damaged property.
  • Protection from financial losses due to theft or vandalism.
  • Security against disasters like fires, storms, or floods.

Shields Against Liability

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If someone is injured or property is damaged, commercial liability insurance can help cover legal expenses and protect your business from lawsuits.

  • Covers legal expenses for claims of injury or property damage.
  • Protects against lawsuits from customers, clients, or third parties.
  • Extends liability coverage to employees and contractors.

Supports Employee Well-Being

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We can help you provide workers’ comp and group health options to protect your team and stay compliant with employment laws.

  • Provides benefits for workplace injuries or illnesses.
  • Promotes a safer, more productive workplace.
  • Attracts and retains top talent with comprehensive benefits.

Mitigates Financial Risks

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From cyber threats to data breaches or fraud, commercial insurance reduces exposure and shields you from financial fallout.

  • Protects against cyber breaches, data theft, and online fraud.
  • Covers financial losses from forgery, fraud, or embezzlement.
  • Offers peace of mind during periods of economic uncertainty.

Provides Peace of Mind

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With proper coverage in place, you can focus on your goals—knowing your assets, income, and responsibilities are protected.

  • Ensures your assets, employees, and liabilities are covered.
  • Reduces financial strain from unexpected events.
  • Provides a safety net so you can focus on your goals.

Your coverage can include a variety of tailored options:

What Does Commercial Insurance Cover?

Commercial Auto Insurance

Protects your vehicles against damage and repairs.

Commercial Property Insurance

Covers buildings, equipment, and inventory.

General Liability Insurance

Helps pay for third-party injuries or damages.


Workers’ Compensation Insurance

Required in many cases, protects your employees and your business.

Cyber Liability Insurance

Protects against data breaches, cyberattacks, and online threats.

Commercial Umbrella Insurance

Adds extra liability protection beyond basic policy limits.


Understanding Commercial Insurance Policies

We provide specialized coverage to address your industry’s unique risks:

  • Errors & Omissions Insurance (E&O): Coverage for professional mistakes or missed deadlines.
  • Employment Practices Liability Insurance (EPLI): Covers claims related to wrongful termination, discrimination, or harassment.
  • Inland Marine Insurance: Protects mobile equipment and goods in transit.
  • Commercial Auto Insurance: Covers business-owned vehicles and fleets.
  • Surety Bonds: Guarantees performance and contractual obligations.