Protect Your Business, Secure Your Future

Customized coverage for businesses of all sizes, because risk should never stand in the way of your success.

Running a business comes with challenges, but the right insurance can give you the confidence to move forward. At Lunova Insurance, we offer comprehensive commercial coverage to protect your business, assets, employees, and reputation.

Whether you’re in construction, healthcare, manufacturing, retail, or professional services, we understand the unique risks of your industry and provide customized coverage solutions to match. From general liability to cyber protection, property insurance, and workers’ compensation, we’re here to help you safeguard what matters most.

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Protection for Small Businesses

A bundled policy covering property, liability, and business interruption.

A Business Owner’s Policy (BOP) combines property and general liability insurance into one convenient package, offering essential coverage for small to mid-sized businesses. This policy helps protect your business against property damage, lawsuits, and unexpected disruptions, so you can focus on growth without worry.

New house under construction with wooden framing, green exterior sheathing, and a yellow telescopic handler on site.

Keep Your Operations Running

Essential coverage for commercial tools, machinery, and technology.

From computers to heavy machinery, your business relies on equipment to stay productive. Business Equipment Insurance ensures that if your tools or technology are damaged, stolen, or broken down, you won’t be left facing costly repairs or replacements alone.

Warehouse with shelves holding boxes and products, two workers in uniforms, one using a hand truck, the other holding a clipboard.

Protect Your Business Assets

Coverage for your buildings, inventory, and valuable business property.

Whether you own an office, warehouse, or storefront, Commercial Property Insurance protects your building and everything inside it, from equipment to inventory. In the event of fire, theft, vandalism, or natural disasters, this policy helps cover the costs of repair.

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On the Road, Always Protected

Comprehensive coverage for commercial trucks, drivers, and cargo.

If your business relies on transportation, Commercial Trucking Insurance provides protection for your fleet, cargo, and liability risks. From accidents to equipment damage, this coverage ensures you stay on the road, both safely and legally.

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Stay Secure in the Digital World

Protection against data breaches, cyberattacks, and online threats against your business.

In today’s digital age, cyber risks are a reality for every business. Cyber Liability Insurance helps cover the costs associated with data breaches, ransomware attacks, and cyber fraud, protecting both your company and your customers from financial loss and reputational damage.

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Shield Your Business from Lawsuits

Protection against third-party claims for injury, property damage, or negligence.

No matter how careful you are, accidents can happen. General Liability Insurance helps cover legal fees, settlements, and medical expenses if your business is sued for injury, property damage, or advertising-related claims.

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Coverage for Condo Associations

Protection for shared spaces, common areas, and building structures.

Condo associations have unique insurance needs. Master Condo Insurance provides coverage for shared property, structural damage, and liability within common areas, ensuring that the entire community is financially protected.

Two construction workers reviewing blueprints, wearing hard hats and safety gear on a construction site.

Protecting Your Business and Team

Coverage for medical expenses and lost wages due to work-related injuries.

Your employees are your most valuable asset. Worker’s Compensation Insurance helps cover medical costs, rehabilitation, and lost wages if an employee is injured on the job, keeping your business compliant and your team taken care of.

Frequently Asked Questions

  • Any business, regardless of size, benefits from commercial insurance. Whether you’re a small business owner, landlord, contractor, or large corporation, having the right coverage protects your assets, employees, and future.

  • If your business stores customer data, accepts online payments, or operates digitally, cyber liability insurance is crucial. It protects against data breaches, cyberattacks, and fraud-related losses.

  • In most states, workers' compensation insurance is legally required if you have employees. This coverage helps pay for medical expenses and lost wages if an employee is injured on the job.