Coverage Built for Your Business

From contractors to consultants, we help businesses protect operations, meet requirements, and move forward with confidence.

At EMD Insurance Solutions, we help small businesses, contractors, consultants, technology professionals, and service businesses understand the commercial insurance coverages that may fit their operations.

Whether you need protection for professional services, on-site work, property exposures, cyber risk, or business vehicles, the right coverage starts with understanding how your business actually operates.

Core Coverages

Professionals meeting in an office

E&O (Professional Liability)

Protects your business against claims that your work caused financial harm.

  • Professional mistakes or oversights
  • Missed deliverables or service issues
  • Legal defense costs
Technology and cybersecurity workspace

Cyber Liability

Helps protect against data breaches, ransomware, and cyber-related disruption.

  • Data breach response
  • Ransomware and extortion events
  • Business interruption
Workers performing hands-on job site work

General Liability (CGL)

Commonly requested for job sites, contracts, and customer-facing business operations.

  • Bodily injury claims
  • Property damage claims
  • On-site operational risk
Small business storefront exterior

Business Owners Policy (BOP)

A practical package that can combine liability and property coverage for many businesses.

  • Property and equipment protection
  • General liability foundation
  • Business interruption support
Business vehicle used for work

Commercial Auto

Coverage for business-owned vehicles and other vehicle-related business exposures.

  • Work trucks and vans
  • Liability and physical damage
  • Business driving exposure
Workers on an active job site

Workers’ Compensation

Helps protect employees and businesses when workplace injuries happen.

  • Medical costs
  • Lost wage benefits
  • Often required for certain work

Technology-Driven Insurance Options

Many modern commercial insurance policies are delivered through technology-driven carriers built to quote, bind, and issue coverage efficiently.

EMD Insurance Solutions works with technology-forward platforms that can be especially helpful when speed, clarity, and responsiveness matter—such as when coverage is needed to meet contract requirements or operational deadlines.

Our goal is to help determine whether a technology-driven option is the right fit for your business, guide you through the process, and ensure coverage aligns with real-world needs—not just what is easiest to quote online.