Commercial coverage
Insurance Built for Business
From property and liability to executive risk and surety, we structure comprehensive programs for organizations that can't afford gaps in coverage.
Comprehensive Protection for Every Exposure
Windham Insurance Agency has spent over three decades designing commercial insurance programs for mid-market and enterprise clients across a wide range of industries. We don't sell off-the-shelf policies — we analyze your specific risk profile and build a program that fits.
Our team works with more than 40 admitted and surplus lines carriers, giving us the market access to place complex, high-value risks that other agencies can't.
Protecting your physical assets
Commercial Property
Comprehensive coverage for buildings, equipment, inventory, and business personal property. We structure programs that address replacement cost valuation, business interruption, and catastrophic loss scenarios.
Coverage includes
- Building and contents replacement cost
- Business income and extra expense
- Equipment breakdown
- Flood and earthquake endorsements
- Inland marine and transit
Your first line of defense
General Liability
Broad commercial general liability coverage protecting your organization from third-party bodily injury, property damage, and personal injury claims arising from your operations, premises, and products.
Coverage includes
- Premises and operations liability
- Products and completed operations
- Personal and advertising injury
- Medical payments
- Contractual liability
Fleet and vehicle protection
Commercial Auto
Coverage for owned, hired, and non-owned vehicles used in your business operations. We design programs for fleets of all sizes, including specialty vehicles and long-haul transportation.
Coverage includes
- Owned and leased fleet coverage
- Hired and non-owned auto liability
- Physical damage and collision
- Uninsured motorist protection
- Cargo and freight liability
Protecting your most valuable asset
Workers' Compensation
Statutory workers' compensation and employer's liability coverage for businesses of all sizes. We help you manage claims, control costs, and maintain compliance across all jurisdictions where you operate.
Coverage includes
- Statutory workers' compensation
- Employer's liability
- Multi-state coverage coordination
- Return-to-work program support
- Experience modification management
Protecting leadership and expertise
Executive & Professional Risk
Specialized liability coverage for directors, officers, and professional service providers. We place D&O, E&O, cyber liability, and employment practices liability for organizations facing complex professional exposures.
Coverage includes
- Directors & Officers liability
- Errors & Omissions / Professional liability
- Cyber liability and data breach
- Employment practices liability
- Fiduciary liability
Catastrophic loss protection
Umbrella & Excess Liability
High-limit umbrella and excess liability coverage that sits above your primary policies, providing an additional layer of protection for catastrophic claims and large verdicts.
Coverage includes
- Limits from $1M to $100M+
- Follows form over underlying policies
- Drop-down coverage for exhausted primaries
- Defense cost coverage
- Global coverage extensions
How we build your program
Our Process
Risk Assessment
We conduct a thorough analysis of your operations, exposures, and existing coverage to identify gaps and opportunities.
Market Placement
We leverage our relationships with 40+ carriers to competitively place your coverage with the right markets.
Program Design
We structure a comprehensive program with coordinated limits, deductibles, and endorsements tailored to your risk profile.
Ongoing Service
We provide year-round support including claims advocacy, certificate management, and annual program reviews.
Ready to Review Your Coverage?
Our team is ready to conduct a complimentary coverage review for your organization. No obligation — just a thorough analysis of your current program.