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Built for real businesses, real risk, and long-term stability.
Republic Insurance Group provides comprehensive commercial insurance solutions for businesses across a wide range of industries—designed to protect operations, assets, people, and growth.
Coverage structured for operations—not just checklists
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Access to admitted and specialty insurance markets
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Claims advocacy when losses matter most
What Is Commercial Insurance?
More than policies—protection for how you operate
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Commercial insurance is designed to protect businesses from financial loss arising from property damage, liability claims, employee injuries, vehicle accidents, and operational disruption.
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At Republic, we approach commercial insurance as risk architecture, not transactional quoting—building programs that align with how your business actually operates.
Core Commercial Coverage
General Liability
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Bodily injury and property damage
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Premises and operations exposure
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Contractual liability and additional insured requirements
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Commercial Property
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Buildings, contents, and equipment
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Replacement cost vs actual cash value
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Business interruption and extra expense
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Ordinance or Law coverage
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Commercial Auto
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Owned, hired, and non-owned vehicles
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Fleet and driver exposure
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Coverage aligned to use and territory
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Workers’ Compensation
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Employee injury and illness protection
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Employer liability coverage
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Classification and payroll accuracy
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Umbrella & Excess Liability
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Additional limits over primary policies
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Protection against catastrophic claims
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Additional & Specialty Coverages
Many businesses also require:
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Professional Liability (E&O)
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Cyber Liability & Data Privacy
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Employment Practices Liability (EPLI)
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Directors & Officers (D&O)
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Crime & Fidelity Coverage
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Inland Marine & Equipment Floater
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Pollution & Environmental Liability
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Surety & Bonding
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Coverage selection depends on operations, contracts, and risk tolerance—not a one-size-fits-all checklist.
Businesses at every stage
We work with privately held companies, nonprofits, public entities, and multi-location operations, including:
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Small and mid-sized businesses
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Commercial farm & ranch operations
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Growing regional companies
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Family-owned enterprises
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Professional and service firms
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Manufacturing and distribution operations
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Contractors and trade businesses
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Property owners and operators
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Mission-driven organizations
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If your business has people, property, vehicles, contracts, or customers—commercial insurance is foundational.
Why Republic Insurance Group
A relationship-focused approach to commercial insurance
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Commercial insurance fails when advisors chase price instead of understanding exposure.
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What sets us apart:
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Industry-aware advisors
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Clear communication and education
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Access to broad and specialty markets
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Long-term focus on insurability and claims outcomes
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What clients value most:
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Straight answers
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Coverage that holds up under pressure
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A partner, not a transactional broker
What helps us move quickly
To prepare a quote or coverage review, we typically request:
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Description of operations
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Locations and property details
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Employee counts and payroll
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Vehicle information (if applicable)
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Contracts and certificates required
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Prior loss history
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Current policies and renewal dates
Frequently Asked Questions ​
1) Is commercial insurance required by law?
Some coverages are required, others are contractual or prudent risk management.
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2) How often should commercial insurance be reviewed?
At least annually, and anytime operations change.
3) Can insurance help with contracts and compliance?
Yes. Coverage should align with contractual requirements.
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4) Does price matter more than coverage?
Coverage structure and claims response matter most long-term.
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5) Can one policy cover everything?
No. Commercial insurance works best as a coordinated program.
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6) What happens when a claim occurs?
We assist with reporting, communication, and advocacy throughout the process.
Insurance built to support how you do business.
Whether you’re insuring a single location or managing a growing operation, Republic Insurance Group delivers commercial insurance solutions designed for stability, compliance, and long-term success.