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Inside a Midwestern manufacturing plant
Business · Industries we serve

Insurance for the businesses that build, move and make things.

Every industry has its own exposures. We know what carriers look for, what contracts require and where the gaps usually hide.

Manufacturing & fabrication

Machine shops, metal fabricators, plastics, food processors and specialty manufacturers.

What keeps owners up at night

  • Product liability and recalls
  • Equipment breakdown and downtime
  • Workplace injuries on the floor
  • Customer-owned materials in your care

Coverage we typically place

Products & completed operationsEquipment breakdownBusiness incomeWorkers’ compensationProduct recall
Talk to an advisor about your operation

Contractors & construction

General contractors, excavation, concrete, electrical, plumbing, HVAC, roofing and specialty trades.

What keeps owners up at night

  • Job-site injuries and third-party damage
  • Tools and equipment stolen or damaged
  • Contract insurance requirements
  • Subcontractor exposure

Coverage we typically place

General liability with additional insuredsContractors equipment & inland marineBuilders riskCommercial autoBonds
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Trucking & transportation

For-hire and private fleets, owner-operators, hotshot haulers and delivery services.

What keeps owners up at night

  • Accidents and high liability verdicts
  • Cargo loss or damage
  • Driver qualification and filings
  • Physical damage to tractors and trailers

Coverage we typically place

Auto liability with federal and state filingsMotor truck cargoPhysical damageTrailer interchangeOccupational accident
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Warehousing & distribution

Warehouses, logistics providers, wholesalers and distribution centers.

What keeps owners up at night

  • Goods of others in your care
  • Forklift and material-handling injuries
  • Fire and sprinkler leakage
  • Spoilage and business interruption

Coverage we typically place

Warehouse legal liabilityCommercial property & stockWorkers’ compensationBusiness incomeUmbrella
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Industrial & mechanical services

Millwrights, machine repair, welding, rigging, industrial cleaning and maintenance contractors.

What keeps owners up at night

  • Damage to customers’ equipment you’re working on
  • Work performed inside client plants
  • Hot work and fire
  • Specialized tools on the move

Coverage we typically place

Care, custody & controlGeneral liabilityInstallation floaterPollution liability
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Auto services & dealers

Repair shops, body shops, towing, tire and lube, and independent dealers.

What keeps owners up at night

  • Customer vehicles in your care
  • Test drives and lot exposure
  • Faulty work claims

Coverage we typically place

Garage liabilityGaragekeepersDealer open lotTow truck coverage
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Agribusiness

Grain elevators, seed and chemical dealers, custom applicators, equipment dealers and ag retail.

What keeps owners up at night

  • Chemical application and drift
  • Stored grain and inventory
  • Heavy equipment on public roads

Coverage we typically place

Pollution and applicator liabilityGrain and stock coverageCommercial autoInland marine
Talk to an advisor about your operation

Retail & wholesale

Main Street shops, specialty stores, e-commerce sellers and wholesale suppliers.

What keeps owners up at night

  • Customer slip-and-fall claims
  • Inventory theft and damage
  • Seasonal stock swings

Coverage we typically place

Business owners policyCrime & employee theftCyber liabilityPeak season stock
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Restaurants & hospitality

Restaurants, bars, caterers, event venues and lodging.

What keeps owners up at night

  • Kitchen fires and food spoilage
  • Liquor liability
  • Guest injuries

Coverage we typically place

Restaurant packageLiquor liabilityEquipment breakdownEmployment practices
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Real estate & property owners

Landlords, commercial building owners, property managers and HOAs.

What keeps owners up at night

  • Tenant and visitor injuries
  • Vacant or under-renovation buildings
  • Loss of rental income

Coverage we typically place

Commercial propertyLessors risk onlyLoss of rentsDirectors & officers
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Professional services

Accountants, consultants, engineers, technology firms and medical offices.

What keeps owners up at night

  • Errors and omissions claims
  • Client data breaches
  • Office and equipment loss

Coverage we typically place

Professional liability (E&O)Cyber liabilityBusiness owners policy
Talk to an advisor about your operation

Nonprofits & churches

Churches, schools, community organizations and charities.

What keeps owners up at night

  • Volunteer and event exposure
  • Abuse and molestation claims
  • Board decisions

Coverage we typically place

Special eventsAbuse & molestationDirectors & officersProperty
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Don’t see your industry?

We place coverage for many more types of businesses. Tell us what you do and we’ll find the right carriers.

Tell us about your business
What clients say

Answered on a Saturday. Covered before we went home.

5.0
Based on 72 Google reviews
Read all reviews
“When I was in an accident on a Saturday and needed to know how to use the roadside assistance and towing on my policy, they answered and stayed on the phone with me until everything was handled. A short time later, I purchased a new car and the staff stayed after-hours to be sure I was adequately covered before going home.”
Lisa Pike · Google review
“As a small business owner with ever changing needs, Chittick Insurance is beyond incredible. Matt responds within 1 working day, is helpful navigating the insurance world in terms I understand, and truly has my best interest in mind as an entrepreneur.”
Lauren Day · Google review
“They made the process of purchasing home insurance so seamless and easy. I couldn’t have gotten through my home buying process without them.”
Heydi C. · Google review

Let’s review your commercial program.

A short conversation is usually all it takes. We’ll review your current coverage, shop our carriers, and walk you through the options in plain language.