Coverage built for your industry
Every industry carries its own exposures, and a generic policy rarely fits. Sherlock Insurance Group designs specialized programs for the businesses below, drawing on access to more than 100 highly rated carriers and specialty markets. Find your industry to see the risks we help manage and the coverages worth considering.
Real Estate & Property
Shopping Center Insurance
Shopping centers combine high foot traffic, multiple tenants, shared common areas, and significant property values into one complex risk. A single slip-and-fall, parking-lot incident, or roof loss can trigger claims from several directions at once, which is why owners need a program engineered specifically for multi-tenant retail.
Strip Mall Insurance
Strip malls pack a diverse tenant mix, from restaurants and salons to retail and service businesses, into a single structure. Each tenant brings its own exposures, and as the property owner you can be drawn into claims that originate in spaces you do not even operate.
Commercial Property Investor Insurance
Commercial property investors rarely hold a single, uniform asset. Office, retail, industrial, and mixed-use buildings each carry different exposures, and managing a patchwork of single policies creates gaps, duplicate costs, and administrative headaches.
Apartment Complex Insurance
Apartment complexes are around-the-clock operations where residents, guests, and vendors are continuously on-site. That constant occupancy multiplies liability exposure and makes property protection and habitability central to keeping the asset profitable.
Rental Property Portfolio Insurance
Owning multiple rental properties means juggling renewal dates, varying limits, and separate bills for each address. A portfolio program brings scattered holdings under a single, consistent structure so nothing slips through the cracks as you grow.
Vacant Property Insurance
Empty buildings are deceptively risky. With no one on-site to notice a break-in, a burst pipe, or a small fire, minor problems escalate into total losses, and most standard property policies sharply limit or exclude coverage once a building is vacant beyond 30 or 60 days.
Commercial Building Insurance
The building itself is often an owner's largest asset, and replacing it at today's construction costs can far exceed the original purchase price. Proper commercial building insurance protects the structure and your liability as the property owner without leaving you exposed to coinsurance penalties.
Apartment Ownership Group Insurance
Ownership groups, partnerships, and syndications that hold multifamily assets face risks beyond the buildings themselves, including the governance and financial decisions of the entity. The right program protects both the real estate and the people directing it.
Lessor's Risk Insurance
When you lease space to tenants, you can be named in lawsuits for incidents that happen in their operations, even when you had no direct involvement. Lessor's Risk Only (LRO) coverage is built specifically around the landlord's exposures rather than the tenant's business.
Builders Risk for Acquisition & Renovations
Buying a property to renovate creates a window of elevated risk. The building may sit partially vacant, contractors are on-site, materials are stored loosely, and standard property policies were never designed for a structure mid-transformation.
Construction & Contractors
General Contractor Insurance
General contractors carry responsibility for the entire job site, including the work of subcontractors they hire. One uninsured sub, a defective installation, or a third-party injury can land squarely on the GC, making broad liability and solid risk transfer essential.
Commercial Construction Insurance
Commercial construction projects carry larger budgets, tighter contracts, and stricter insurance requirements than residential work. Owners and lenders often demand high limits, additional-insured status, and proof of coverage before a shovel hits the ground.
Home Builder Insurance
Residential builders face years of potential liability after a home is finished, since construction-defect claims can surface long after the keys are handed over. Protecting both the homes under construction and your long-tail exposure is critical to a stable building business.
Electrical Contractor Insurance
Electrical work carries one of the highest fire-loss exposures in the trades, and a faulty connection can cause a building fire months after the job is done. Electricians need coverage that responds to both job-site incidents and long-tail completed-operations claims.
Plumbing Contractor Insurance
A plumber's work sits behind walls and under floors, where a small leak can cause tens of thousands of dollars in water damage long after the job is complete. Water-damage and completed-operations exposure make liability coverage especially important for plumbing contractors.
HVAC Contractor Insurance
HVAC contractors work with electrical, gas, refrigerant, and heavy equipment, often on rooftops and in tight mechanical spaces. That mix of hazards creates exposure to fire, water, carbon-monoxide, and fall claims that general policies rarely address well.
Concrete Contractor Insurance
Concrete is unforgiving once it sets, so a mistake in grading, mix, or finishing can mean tearing out and redoing the work at the contractor's expense. Cracking, settling, and defect claims make completed-operations coverage central for concrete crews.
Excavation Contractor Insurance
Excavation crews dig where buried gas, water, electric, and fiber lines run, and a single utility strike can cause explosions, outages, and six-figure damages. The heavy equipment and underground exposures make this one of the higher-hazard trades to insure.
Framing Contractor Insurance
Framing crews work at height with power tools and heavy lumber, producing one of the highest injury rates among the trades. Falls, structural-defect claims, and fire exposure during the framing stage all demand purpose-built coverage.
Utility Contractor Insurance
Utility contractors install and repair the underground and overhead infrastructure that entire communities depend on. The work spans public right-of-ways, energized lines, and pressurized pipes, where a single failure can disrupt service for thousands and trigger high-dollar claims.
Oilfield Contractor Insurance
Oilfield contractors operate in a high-hazard environment where heavy equipment, flammable products, and remote locations combine. Master service agreements with operators routinely demand high limits, specific endorsements, and tight risk-transfer terms.
Oilfield Service Contractor Insurance
Oilfield service contractors provide the specialized support that keeps wells producing, from well servicing and hauling to equipment rental and field maintenance. Each service line carries distinct exposures, and operators expect coverage that satisfies their master service agreements precisely.
Construction Wholesale Insurance
Wholesalers and distributors of building materials move large volumes of product through warehouses, yards, and delivery fleets. Their exposure blends property and inventory risk with products liability for the materials they sell to contractors.
Roofing Contractor Insurance
Roofing is one of the hardest trades to insure. Crews work at height in changing weather, a single torch-down or tear-off can damage the building below, and general contractors will not let you on the job without the right certificate in hand. Because many standard carriers decline roofers outright, you need an agency with access to the specialty markets that actually write this class.
Landscaping Contractor Insurance
Landscaping and lawn-care crews move fast across many properties in a day, running powerful equipment and applying chemicals near homes, businesses, and the public. A thrown rock, an over-spray, or a backing accident can turn into a serious claim, and seasonal payroll swings make placing the right program its own challenge.
Hospitality & Food Service
Restaurant Insurance
Restaurants run on thin margins while juggling open flames, hot oil, foot traffic, and food safety all at once. A kitchen fire, a foodborne-illness claim, or a slip on a wet floor can each threaten the whole operation, so layered protection is essential.
Bar Insurance
Bars, taverns, and nightclubs center their business on alcohol service, which concentrates liability in ways most policies handle poorly. Intoxicated-patron incidents, late-night crowds, and assault-and-battery exposure all demand coverage designed for this environment.
Liquor Liability Insurance
Any business that sells or serves alcohol can be held responsible when an intoxicated customer later causes harm, under dram-shop and liquor-liability laws. This exposure is specifically excluded from most general liability policies, leaving a serious gap without dedicated coverage.
Childcare & Education
Daycare Insurance
Caring for young children carries a duty of supervision unlike almost any other business, and parents expect both safety and accountability. Daycare providers need coverage that addresses everyday injuries as well as the serious allegations that can arise in a childcare setting.
Childcare Insurance
Childcare businesses are entrusted with families' most precious responsibility, and that trust comes with significant liability if something goes wrong. A complete program protects the children, your staff, and the financial future of the business against a wide range of allegations.
Preschool Insurance
Preschools blend early education with full-time childcare, which means they carry both teaching and supervision responsibilities. Programs need coverage that recognizes their dual role and the heightened scrutiny that comes with caring for very young learners.
Childcare Center Insurance
Licensed childcare centers operate larger facilities with more children, more staff, and more physical exposure than a home-based provider. The scale increases everything from premises liability to employment and property risk, calling for a broader commercial program.
Daycare Liability Insurance
Liability is the exposure that keeps childcare owners up at night, because a single serious allegation can end a business overnight. This coverage concentrates on the liability lines a daycare needs most, from everyday injuries to the most serious abuse-related claims.
School Insurance
Schools carry a broad mix of exposures, combining the duty to supervise students with the operation of buildings, athletics, transportation, and a sizable staff. Private and charter schools in particular need a coordinated program that protects students, educators, and the institution.
Religious & Nonprofit
Religious Organizations Insurance
Religious organizations operate much like small businesses, with buildings, employees, volunteers, programs, and community events, while also carrying duties unique to a place of worship. A purpose-built program protects the congregation, its leaders, and its mission.
Religious Schools Insurance
Religious schools sit at the intersection of a faith organization and an educational institution, carrying the exposures of both. They need coordinated coverage that protects students and staff while also addressing the ministry and governance side of the operation.
Retreat Centers Insurance
Retreat and conference centers host overnight guests across sprawling grounds that often include lodging, dining, water features, trails, and recreational activities. That blend of hospitality and outdoor recreation creates a wide range of exposures on a single property.
Church Insurance
A church is both a sacred space and a busy hub of weekly activity, hosting services, classes, events, and outreach that bring people through the doors constantly. Protecting the building, the people, and the leadership requires coverage built specifically for congregations.
Specialty Commercial
Manufacturing Insurance
Manufacturers have capital tied up in plants, machinery, and inventory, while their products travel out into the world carrying liability with them. A breakdown on the line or a defective product can halt production and trigger claims at the same time.
Garage Keepers & Garage Liability Insurance
Businesses that take possession of customers' vehicles face a special exposure: they are responsible for those vehicles while in their care, custody, and control. Garage keepers coverage fills that gap, while garage liability handles the broader premises and operations risk.
Investment Firm Insurance
Investment firms manage other people's money, which makes professional judgment and fiduciary duty their primary exposure. A dissatisfied client, a data breach, or an internal theft can each create claims that threaten the firm's reputation and balance sheet.
Pollution Liability Insurance
Pollution claims are among the most expensive a business can face, and standard general liability policies specifically exclude most environmental exposures. Any operation that handles, stores, or disturbs contaminants needs dedicated environmental coverage to avoid a catastrophic gap.
Oil & Gas / Energy Insurance
Energy companies operate some of the most capital-intensive, high-hazard assets in business, from wells and pipelines to processing facilities and renewable installations. A single blowout, pipeline release, or facility fire can produce losses in the tens of millions, while contracts up and down the supply chain demand precise limits and risk-transfer terms. Sherlock Insurance Group builds programs across the energy sector, drawing on specialty markets that standard carriers cannot reach.
Fleet Insurance
Once your business runs more than a handful of vehicles, insuring them one policy at a time becomes expensive and hard to manage. Fleet insurance brings your cars, vans, and trucks under a single program, so coverage stays consistent as drivers and vehicles change—and one at-fault accident does not put the whole operation at risk.
Don't see your industry?
These are just some of the businesses we protect. With access to more than 100 highly rated carriers and specialty programs, we can build a program for almost any operation. Tell us about yours.