Real Estate Investors
Builders risk, fix and flip, and 5 to 100 unit buildings. Vacancy provisions, renovation scope, and course of construction gaps that standard landlord policies never contemplated.
Builders Risk / Property / GL / UmbrellaCommercial Lines / Independent Brokerage
Boggs Advising Group places commercial coverage around how your business actually operates. Real exposures, named carriers, and terms explained before you sign them, not after a loss.
Not because the owner was careless. Because the policy was written off an application instead of an operation.
New trucks, new payroll, a second location, a bigger contract. Limits set three years ago do not cover the company you run today.
Workers' comp priced off the wrong class codes either overcharges you every month or leaves a claim exposed. Both are expensive.
Additional insured status, waivers of subrogation, and minimum limits are buried in the contracts you already signed. Missing one can void the job.
Cyber, flood, employment practices, professional services. The gaps are rarely obvious until the claim is already denied.
Placed across multiple carriers and structured around your operations, payroll, and contracts.
Third party bodily injury, property damage, and related claims arising from your operations.
Buildings, equipment, and inventory against fire, theft, and other covered losses.
Employee injury and illness coverage built on your real payroll and job classifications.
Liability and physical damage for company vehicles, from one work truck to a full fleet.
Breach response, ransomware, and business interruption tied to a cyber event.
Limits layered above your primary policies when one large claim could end the business.
Claims of negligence, errors, or omissions in the services your business delivers.
Contract, license, and permit bonding for public and private work.
Specialization is not a marketing line. It means knowing which endorsement matters before the underwriter asks and which exclusion kills a claim in your class of business.
Builders risk, fix and flip, and 5 to 100 unit buildings. Vacancy provisions, renovation scope, and course of construction gaps that standard landlord policies never contemplated.
Builders Risk / Property / GL / UmbrellaMaster policies, D&O for the board, and the fidelity coverage your governing documents require. Where the association's policy ends and the unit owner's begins, in writing.
Property / GL / D&O / Fidelity / UmbrellaE&O for the management function, plus the certificate tracking and additional insured requirements buried in every management agreement you sign.
E&O / GL / Property / CrimeGeneral and artisan trades. Additional insured status, waivers of subrogation, and completed operations written to match the contracts you actually signed.
GL / Workers' Comp / Auto / Tools & Equipment / BondsSnow and ice carries slip and fall exposure most carriers price badly or decline outright. Hold harmless language in your service contracts gets read before we place it.
GL / Auto / Workers' Comp / Inland MarineLiquor liability, assault and battery limits, spoilage, and the business interruption terms that decide whether you reopen after a fire or a shutdown.
GL / Liquor / Property / BI / Workers' CompGarage liability and garagekeepers are placed wrong more often than any other class. Customer vehicles in your care are not covered by a standard property policy.
Garage Liability / Garagekeepers / Property / Workers' CompOffices, consultants, and licensed practices. E&O built around your actual scope of services, plus cyber coverage sized to the client data you hold.
E&O / Cyber / BOP / Workers' CompProduct liability, stock and equipment values that keep pace with inflation, and transit coverage for goods that spend time on the road.
Product Liability / Property / Inland Marine / AutoNot on this list? Call anyway. If it isn't a fit, we'll tell you that instead of wasting your renewal cycle.
We walk your operations, contracts, and payroll to map where exposure actually sits, not just what a standard application asks for.
We shop the risk across carriers and bring back options with the trade offs stated plainly, not just a premium number.
Coverage is reviewed annually against real growth, so it never quietly falls out of date between renewals.
Business owners deserve an advisor, not a policy salesman.
Boggs Advising Group is an independent commercial insurance brokerage. We work on behalf of the business owner, not a single carrier, which means shopping the market honestly, explaining coverage in plain language, and being reachable when it counts: at renewal, after a loss, or when the business changes shape.
We work with real estate investors, homeowners associations, property managers, contractors, restaurants, professional services, and the trades that serve them. Owners who want someone who understands the operation, not just the application.
Kevin Boggs founded Boggs Advising Group after close to two decades in insurance, writing both personal and commercial lines.
That range is the point. Most business owners' risk doesn't live in one clean box. An investor with eight rental units is carrying a personal umbrella, a commercial package, and a builders risk policy that all have to work together, not against each other. A contractor's truck, home, and general liability sit in three different files until someone actually looks at all three at once. Kevin has spent his career on both sides of that line, which is what lets him see the whole picture instead of just the slice in front of him.
Before founding Boggs Advising Group, Kevin built and grew an independent agency into one of the largest in its network across the Midwest. This brokerage is what came next: commercial risk only, independent of any single carrier, with every account getting a named advisor instead of a queue.
"I've read enough denied claims to know they almost never come down to bad luck. They come down to a policy nobody looked at closely enough. That's the whole job."
Don't have all of it? Call anyway. We can start with a conversation.