Commercial General Liability (CGL)
Protects against third-party bodily injury, property damage, premises liability, and completed operations claims resulting from daily business activities.
Enterprise & Personal Risk Solutions
Insurance Solutions Tailored to You
Leveraging 30+ years of insurance brokerage experience to protect businesses, property, employees, and families across Delaware, Maryland, Pennsylvania, and New Jersey.
Commercial Lines
Business & Corporate Risk Management
Every business encounters distinct liability exposures and physical hazards. We custom-build commercial insurance programs utilizing top-rated underwriters.
Commercial Property & Inland Marine
Covers corporate facilities, warehousing, leased office spaces, high-value machinery, mobile contractor equipment, and inventory in transit.
Workers' Compensation
Delivers mandated employee coverage for job-related injuries, emergency medical care, rehabilitation, wage replacement, and employer defense.
Commercial Auto & Fleet
Comprehensive liability and physical damage coverage for corporate vehicles, delivery fleets, service vans, and employee-driven non-owned autos.
Cyber Risk & Privacy Liability
Safeguards your enterprise against data breaches, ransomware demands, network interruption losses, regulatory penalties, and legal defense costs.
Surety & Commercial Bonds
Contract performance bonds, bid bonds, payment bonds, license and permit bonds to qualify trade contractors for municipal and commercial projects.
Capabilities Matrix
Insurance Capabilities & Service Standards
A comprehensive overview of commercial coverage specifications and client support turnaround times delivered by BISI Agency and CBM Insurance.
| Coverage Line | Targeted Industries | Standard Limits Available | Service Turnaround |
|---|---|---|---|
| Commercial General Liability | Contractors, Wholesalers, Retail, Property Managers | $1M / $2M Agg; Excess up to $50M | Quotes within 24-48 hours |
| Commercial Property | Warehouses, Office Buildings, Strip Centers | Replacement Cost, Blanket Limits | Full inspection analysis included |
| Workers' Compensation | Trade Subcontractors, Manufacturing, Service Firms | Statutory; $1M Employer Liability | Payroll audit review & claims support |
| Commercial Fleet Auto | Delivery, Field Service, Corporate Fleets | $1M Combined Single Limit + Hired/Non-Owned | Immediate vehicle additions/ID cards |
| Cyber & Privacy Liability | Financial, Legal, Healthcare, Tech Consultants | $1M to $10M Aggregate | Includes 24/7 incident response access |
| Certificates of Insurance (COIs) | All Commercial Clients & Policyholders | Customized Additional Insured Endorsements | Same-day / Under 24-hour turnaround |
Personal Lines
Personal Insurance & Family Asset Protection
Personalized coverage options engineered to defend your personal wealth, residential homes, vehicles, and recreational assets.
Homeowners & Secondary Residences
Tailored protection for primary dwellings, vacation homes, and condominiums covering dwelling, personal belongings, loss of use, and personal liability.
Personal Automobile & Powersports
Multi-vehicle discounts, roadside assistance, collision, comprehensive, and uninsured motorist coverage for personal autos, motorcycles, and boats.
Personal Umbrella Liability
Extends critical liability coverage beyond standard auto and homeowners policy limits to shield your personal savings, investments, and future earnings.