Coverage
Business Insurance
Commercial coverage backed by three decades of forensic accounting — plus a free review of your contracts, leases, and business structure with every policy.
What this coverage does
Whether you're a small-business owner or managing a larger operation, James helps you find the right coverage to protect what you've worked hard to build. Coverage can combine a Business Owner's Policy, general liability, commercial property, commercial auto, workers' compensation, professional liability, and business interruption into a program that fits how your business actually runs.
The GEE Family Insurance Business Advantage: most agents hand you a quote and move on. James does something no other commercial agent in this market does — he reviews your contracts, loan covenants, leases, and business structure alongside your insurance, at no extra charge. It is the same advisory work he billed at $500–$600/hr as a federal-court expert witness, and every commercial client gets it free.
What's included
Business Owner's Policy (BOP)
The all-in-one package for most small businesses — general liability and commercial property in one cost-effective plan.
General Liability
Protection from claims of bodily injury, property damage, and personal or advertising injury — coverage most businesses can't operate without.
Commercial Property
Covers your building, equipment, and inventory against fire, theft, vandalism, and other covered risks.
Commercial Auto
Coverage for the work vehicles and drivers a personal auto policy won't — structured to how your vehicles are actually used.
Workers' Compensation
Required for most Utah employers — medical costs and lost wages for injured employees, plus protection from related lawsuits.
Professional Liability / E&O
Protects against claims of negligence, mistakes, or failure to deliver professional services as promised.
Business Interruption
Replaces lost income and covers ongoing expenses if a covered event forces you to close temporarily.
Free Advisory Review
A no-charge review of your contracts, leases, loan covenants, and business structure with every commercial policy.
The benefits
Why choose GEE Family Insurance
“There is no other commercial insurance agent in this market with the Risk Advisory skill that James has accumulated over the past thirty years.”
- A lens no other commercial agent in this market offers: 30+ years as a CPA, forensic accountant, and senior U.S. Department of Justice analyst.
- A free advisory review of your contracts, loan covenants, leases, and business structure — the same work James billed at $500–$600/hr as a federal-court expert witness — included with every commercial policy.
- James makes sure your limits and terms line up with what your contracts, leases, and lenders actually demand, so a claim never becomes a coverage dispute.
- Coverage tailored to your industry, not a one-size-fits-all template.
Industries James serves
The result
Peace of mind, done right
You operate with confidence that your coverage matches your real risk — your contracts, financing, and growth fully accounted for — so a single claim or lawsuit can't undo what you've spent years building.
Has your business grown or changed since your last policy was written? Chances are very high you don't have all the coverage you think you do — and James will tell you straight.
Ready to talk business insurance?
Get a quote or request a free review — straight from James, no call center.