Keep the work flowing.
Consider risks at customer properties, on the road, and wherever you keep your tools.
- General liability
- Tools and equipment
- Commercial auto
Commercial insurance · Built around your business
You build it.
We help you
protect it.
From the first job of the day to the last customer of the night, your business deserves a thoughtful insurance plan.
Big plans. Everyday risks.
Coverage starts with understanding your work.
Coverage starts with understanding your work.
PLUMBERS & TRADESMANUFACTURINGRESTAURANTS & HOSPITALITYGAS STATIONSCONTRACTORS & CONSTRUCTIONCYBER LIABILITYCOMMERCIAL AUTOREAL ESTATERETAILBONDS
Who we help
Different businesses.
Different exposures.
Your work, equipment, people, and contracts shape the coverage you may need. Start with what your business does every day.
Protect your production.
Review risks involving your facility, machinery, products, employees, and interruptions to operations.
- Property and equipment breakdown
- Products liability
- Business income
Focus on your next guest.
Explore protection for your space, staff, equipment, and the service you provide.
- Property and business income
- Workers’ compensation
- Liquor liability, where applicable
Build with a plan.
Look at jobsite exposures, contract requirements, vehicles, and equipment.
- General liability
- Contractor equipment
- Commercial umbrella
Keep business moving.
Explore coverage for business vehicles, drivers, and fleets, along with hired and non-owned auto exposures.
- Auto liability
- Physical damage
- Hired and non-owned auto
Keep your business in store.
Explore coverage for your storefront, online sales, inventory, and the products you sell.
- General and products liability
- Commercial property and inventory
- Business income and cyber liability
Protect the properties you manage.
Explore coverage options for rental properties, real estate operations, and property management services.
- Commercial property and general liability
- Rental income and business income
- Professional liability and umbrella options
The coverage conversation
A stronger foundation
for your business.
These are common areas to discuss in a commercial insurance review. The right combination depends on your operations and available policy options.
Request Quote ↗General liability
Certain third-party injury and property damage claims.
Commercial property
Buildings, business contents, and covered property losses.
Workers’ compensation
Work-related employee injuries, subject to state requirements.
Commercial auto
Business vehicles and covered driving exposures.
Tools & equipment
Equipment that moves between jobs and locations.
Builders Risk
Coverage options for buildings under construction or renovation, including materials and covered property losses.
Cyber Liability
Coverage options for data breaches, cyber incidents, and related liability exposures.
Umbrella liability
Additional limits above specified underlying liability policies.
A straightforward approach
Start with a conversation.
Understand your work.
Describe your services, team, property, and upcoming projects.
Review your exposures.
Discuss current policies and any customer or contract insurance requirements.
Consider your options.
Review available coverage, limits, deductibles, and exclusions with an agent.
Your commercial insurance contact
Brian Kuhlman
With 20 years in business, Brian Kuhlman brings experience to every commercial insurance conversation. He is a graduate of Texas Tech University.
Brian is your contact at SIG/CHAPARRAL INSURANCE GROUP in Austin, Texas, for commercial insurance needs. He helps business owners explore coverage for their operations, property, vehicles, and other business exposures.
Whether you work in the trades, run a restaurant, manage properties, or operate a retail business, start a conversation with Brian about your business and the coverage you would like to review.
Take the next step
Request Quote
Tell us about your business and the coverage you need. Brian will help you explore your quote options.
Brian Kuhlman
Work: 512-452-2427
Cell: 512-350-3429
Email: brian.kuhlman@sig4you.com
Austin, TX 78752
Complete the form to send your quote request directly to our office.
Common questions
Before we get started.
What should I bring to a coverage review?
Current policy declarations, a description of your operations, employee and payroll information, vehicle and equipment lists, and any contract insurance requirements are useful starting points.
Does this website bind coverage?
No. Requesting a quote or contacting an agent does not bind or change insurance. Coverage must be confirmed through the applicable insurer and authorized agent.
Can one policy cover every business risk?
Coverage depends on the policy language. Commercial insurance often combines several policies, each with its own limits, conditions, and exclusions.