Why Businesses Choose Usery Insurance Agency

Protecting your business requires more than a generic policy. At Usery Insurance Agency, we broker commercial insurance with more than 45 carriers — giving your company real options, real strategy, and real protection.

Our approach is simple: listen first, understand the business, then design coverage that supports operations, cash flow, employees, and long-term growth.

A true broker, not a one-size-fits-all agency

With access to 45+ commercial carriers, we aren’t limited by one brand or one underwriting model. We match your business with the right carrier, the right coverage, and the right pricing — based on risk, industry, and operations.

We speak business, not insurance jargon

Commercial policies can get complicated fast. We break everything down so you understand exactly what each coverage does, why you may need it, and how it protects your financial stability.

Hospitality-driven service — fast, clear, and proactive

When you work with us, you don’t sit in a queue or chase someone for answers.
We respond quickly, we communicate clearly, and we deliver the kind of service most agencies overlook.

Coverage designed around how your business actually operates

We don’t guess — we learn the business.
Your exposures, employees, equipment, revenue, vehicles, property, contracts, and growth plans shape how we build policies. No cookie-cutter quoting.

Protecting Your Future with Usery Insurance Agency Insurance

Industries We Serve

We support a wide range of industries, including but not limited to:

Contractors & construction
Real estate investors & landlords
Retail stores
Restaurants & hospitality
Professional services
Manufacturing
Transportation and delivery businesses
Healthcare offices
Nonprofits & community organizations

If your business has people, property, vehicles, tools, contracts, or customers — we can insure it.

Commercial Insurance Products We Offer

General Liability Insurance

Protects your business from claims involving bodily injury, property damage, and legal defense costs. Essential for any business that interacts with people or property.

Commercial Property Insurance

Covers buildings, contents, inventory, equipment, and improvements. We design property coverage around replacement cost and real-world rebuild values.

Business Owners Policy (BOP)

Combined package of property + liability for small to mid-sized businesses. Cost-effective and customizable.

Commercial Auto & Fleet Insurance

Protects business-owned vehicles and employees on the road.
Critical for contractors, delivery businesses, sales teams, and service providers.

Workers’ Compensation

Protects employees when injuries occur on the job — and protects your business from costly claims. We evaluate class codes, payroll, and job duties to help improve pricing accuracy.

Commercial Umbrella Insurance

High-limit liability protection that sits above your core policies to protect your business from catastrophic claims.

Professional Liability (E&O)

Coverage for mistakes, oversights, or service-related claims. Essential for consultants, advisors, tech companies, accountants, and professional service industries.

Cyber Liability Insurance

Protects your business from data breaches, cyberattacks, lost income, ransomware, and privacy liability. No modern business should operate without it.

Contractor Coverage

Specialized packages for electricians, plumbers, HVAC, roofers, landscapers, and other trades. Includes tools, equipment, commercial auto, and job site liability.

Commercial Inland Marine / Equipment Coverage

Protects tools, machinery, mobile equipment, and contractor gear — on job sites or in transit.

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How Our Commercial Process Works

Step 1 — We learn the business

We take the time to understand operations, contracts, employees, revenue, and growth goals. Coverage must reflect reality — not assumptions.

Step 2 — We review existing policies (if you have them)

We identify strengths, weaknesses, gaps, limits, and cost inefficiencies.
If your current coverage is strong, we’ll tell you that.

Step 3 — We shop 45+ commercial carriers

We match your business to the carrier that fits your risk profile, industry, and budget.
This is where brokers win — we’re not locked into one option.

Step 4 — We design a protection plan

Custom-built for how you operate:

Property
Liability
Auto
Workers’ comp
Specialty coverage
Contract requirements
Umbrella and high-limit solutions
Buy-Sell Policies

Step 5 — We stay proactive all year

Renewal reviews, certificates of insurance, updates as your business grows — we stay ahead of your needs.

Why Our Agency’s Culture Matters in Commercial Insurance

Commercial clients stay with us because our culture is not transactional.
Your business isn’t just a policy number — it’s your livelihood, your employees, your reputation, and your future.

Our culture is built on:

Honesty — clear guidance, transparent conversations, and direct recommendations.
Hospitality — fast responses, proactive reviews, and real relationships.
Education — we help you understand the “why” behind every coverage.
Growth-minded strategy — policies designed to support where your business is going, not just where it is today.

This is the difference between being insured… and being protected.