for sustained resilience.

Leveraging innovative, AI-driven solutions, Ledgestone delivers tailored business insurance and risk management services with a personal touch, offering industry-specific expertise and proactive strategies that enhance operational performance and create lasting value for your organization.

Analytical and data-driven approach to coverage
Our propriety AI-driven analytics engine, riskInsite, leverage’s industry specific data to generate dynamic business insurance programs, tailored specifically to your business and industry.
Personal and empathetic approach to relationships
We believe in cultivating enduring relationships by intimately understanding your organization, recognizing that each client relationship is the cornerstone of a successful partnership.
Proactive and comprehensive  approach to risk management
By addressing the root-drivers of loss through improving worker engagement, well-being, and safety, we employ a proactive and holistic approach to risk management.
Long-lasting and sustaining impact on your organization
Our multi-faceted approach, blending data-driven analysis, empathetic relationship building, and proactive risk mitigation, facilitates enduring organizational value and optimized performance.
Business insurance coverages

Empowering your business with tailored, robust insurance solutions.

With vast coverage expertise, the risk advisory team at Ledgestone excels in crafting comprehensive, personalized insurance programs, catering to the unique needs of your business or organization.

Commercial Auto

Commercial Auto Insurance safeguards your company's vehicles and drivers. It offers financial protection against physical damage, liability, and other vehicular risks. Covering company-owned vehicles and employees driving for business purposes mitigates financial repercussions from accidents, theft, or vandalism, keeping your business operations unhindered and your peace of mind intact.

Key commercial auto coverage considerations:
Liability and physical damage
Hired and non-owned auto liability
Uninsured & underinsured auto liability
Personal injury protection
Cargo liability
Medical payments coverage
Commercial Liability

Commercial liability insurance is vital for protecting your business against claims resulting from injuries or property damage. It offers coverage for legal costs, settlements, and medical expenses related to third-party lawsuits. Whether it's bodily injury, property damage, or advertising injury, commercial liability shields your enterprise, preserving your reputation and financial stability. Key coverage considerations:

Key commercial liability coverage considerations:
General liability
Personal injury and advertising
Products and completed operations
Professional liability
Employers liability
Garage and garage keepers liability
Commercial Property

Commercial property insurance provides protection for your company's physical assets. It safeguards your business properties from buildings to office equipment and inventory, against potential risks such as theft, damage, or loss. Furthermore, it also offers coverage for losses stemming from business interruption, including revenue loss and additional operating expenses incurred.

Key commercial property coverage considerations:
Buildings and other structures
Furniture, equipment, inventory, & other supplies
Leasehold improvements & betterments
Boiler and machinery
Electronic data processing equipment
Mobile property (e.g. construction equipment)
Property in transit
Business income & extra expense
Management Liability

Management liability insurance offers crucial protection for your business leadership. It covers claims arising from alleged mismanagement, safeguarding your directors, officers, and managers from personal financial losses. This coverage also encompasses defense costs associated with legal actions, ensuring that your company's operations and reputation remain secure amidst challenging legal scenarios.

Key management liability coverage considerations:
Directors and officers liability
Employment practices liability insurance
Fiduciary liability insurance
Commercial crime insurance
General partnership liability
Initial public offering liability
Cyber Liability

Cyber Liability Insurance is a lifeline in the digital landscape. It provides coverage for businesses against cyber threats, such as data breaches and network security failures. Not only does it cover the cost of data recovery and system repair, but it also handles legal fees, notification expenses, and potential regulatory fines linked to cybersecurity incidents.

Key cyber liability coverage considerations:
Network security and privacy liability
Network business interruption
Media liability
Errors & omissions
Social engineering
Business interruption
Cyber extortion and ransomware
Bonds & Surety

Bonds & Surety Insurance serves as a financial safety net, guaranteeing contract completion in case your business defaults. It safeguards your company's reputation, covering monetary losses or performance failures. It also fosters trust with clients and partners, assuring them of your capacity to fulfill contractual obligations under all circumstances.

Key bonds & surety coverage considerations:
Bid & performance bonds
Payment bonds
Maintenance bonds
License & permit bonds
Fidelity surety bonds
Court surety bonds
Other commercial surety (e.g. liquor, utility, etc.)
Industry Expertise

Specialized knowledge specific to your industry.

In the complex world of construction, securing the right coverage is crucial. Our expert team understands your unique risks and offers robust insurance solutions tailored to your needs. We provide proactive risk management, cultivating a safety-focused environment to minimize claim costs. Our services span from general liability insurance to surety bonding, catering to owners, contractors, and subcontractors alike. In the face of a claim, our full-service management promptly addresses your needs, acting as your dedicated liaison. With us, you'll secure the best pricing and coverage, enhancing your financial stance and success in the construction industry. Let us safeguard your projects, so you can focus on building and growing.

Classes of business:
Carpentry & Framing
Drywall & Insulation
General Contractors
Glass & Glazing
Highway, Street, & Bridge
Painting & Wall Covering
Plumbing, Heating, & Air-Conditioning
Siding & Plumbing
Industry specific coverage considerations:
Auto Liability
Builders Risk
Commercial Crime
Contractors Professional Liability
Cyber Liability
Directors & Officers Liability
Employment Practices Liability
Environmental & Pollution Liability
Errors & Omissions
General Liability
Inland Marine
Workers Compensation

In the multifaceted realm of education, safeguarding students, staff, and reputation is paramount. Our team of specialized brokers offers tailored insurance solutions to accommodate the unique needs of your institution. From proactive risk analysis to worry-free compliance, we provide end-to-end support to fortify your establishment against potential challenges. Recognizing the substantial budgetary constraints, we help curate cost-effective insurance and benefits plans that ensure employee satisfaction without compromising the quality of protection. With us, you will navigate through the complexities of educational risks with ease, enabling you to concentrate on your core mission - fostering our future leaders. Our partnership will fortify your institution, arming you with resilience in the face of volatility.

Classes of business:
Business Schools & Computer & Management Training
Charter Schools
Colleges, Universities, & Professional Schools
Education Support Services
Elementary & Secondary Schools
Junior Colleges
Technical & Trade Schools
Other Schools & Instructional Facilities
Industry specific coverage considerations:
Auto Liability
Buildings & Personal Property
Commercial Auto
Commercial Crime
Cyber Liability
Education Professional Liability
Educators Legal Liability
Employment Practices Liability
School Board Liability
Sexual Abuse & Molestation
Umbrella & Excess Liability
Workers Compensation

In the intricate world of manufacturing, managing multifaceted risks is pivotal. At Ledgestone, we understand the pressures and complexities that manufacturers face—from global supply chains to cybersecurity threats, and evolving customer needs. With deep industry knowledge, we're here to guide you through every challenge. Our approach extends beyond basic insurance procurement; we deliver comprehensive solutions designed to minimize business interruptions and improve your bottom line. Whether it's structuring casualty programs, managing cyber risks, or addressing environmental concerns, we ensure your coverage evolves with your industry. We don't just insure your business; we partner with you to reduce your total cost of risk, fortifying your resilience in an unpredictable business landscape. Trust Ledgestone to protect your manufacturing operation, while you focus on forging the future.

Classes of business:
Automotive Parts
Chemical Goods
Food & Beverage Products
Furniture & Home Furnishings
Machinery & Industrial Equipment
Medical Products
Metal Products & Fabricated Metal Goods
Paper Products
Plastic Rubber Goods
Textiles & Apparel
Wood Products
Industry specific coverage considerations:
Auto Liability
Buildings & Personal Property
Business Interruption
Cargo & Transit Insurance
Contingent Business Interruption
Cyber Liability
Environmental & Pollution Liability
Equipment Breakdown
Manufacturers Errors & Omissions
Product Liability (incl. Word-Wide Products)
Product Recall Coverage
Workers Compensation

Working in Nonprofits and Social Services, your focus is on serving others and making a difference. However, strategic challenges such as funding, governance, and risk management often pose obstacles to your mission. We understand your unique industry, its specific risks, and the necessity of careful cost control and accountability. Leveraging our expertise, we offer tailored insurance solutions that protect your employees and financial assets, enabling you to dedicate more resources to your cause. Whether you provide social services, education, healthcare, or champion the arts, we help safeguard your mission against unforeseen circumstances. Trust us to assist you in turning challenges into opportunities, protecting your mission today and preparing for a sustainable future.

Classes of business:
Assisted Living & Senior Care
Charitable Entities & Associations
Children & Youth Services
Disability Services
Disaster Relief & Humanitarian Aid
Food Banks & Shelters
Group Housing & Shelters
Health Clinics & Community Health Centers
Mental Health & Crisis Intervention
Rehabilitation Centers
Religious Organizations
Vocational Training & Placement
Industry specific coverage considerations:
Auto Liability
Business Interruption
Crime & Fidelity
Cyber Liability
Directors & Officers Liability
Employment Practices Liability
Media Liability
Sexual Abuse & Molestation
Social Service Professional Liability
Student & Volunteer Accident Liability
Workers Compensation
Workplace Violence Coverage
All other industries
Risk Advisory Services

Ease your administrative burden by utilizing one of our many resources.

Claims Management
Maximize your compensation and minimize harm with expert Claims Management services.
Claim trend identification
Claim file reviews
Claim closure strategies
Subrogation services
Risk Control & Program Management
Streamline your operational efficiency and mitigate risk with our comprehensive risk control and program management solutions.
Policies & Programs:
Pre-employment procedures
Substance abuse policy
Return-to-work program
Fleet management program
And more...
Safety Consulting Services
Fortify your safety measures and reduce both costs and risks with tailored safety solutions (services provided by our third-party safety company ExergyPro).
OSHA compliance
Safety program development
Ongoing safety audits
Onsite and virtual training
And more...
Continuity Planning & Crisis Management
Ensure organizational resilience with comprehensive planning , helping you navigate crises and recover rapidly.
Plan components:
Documented continuity policy
Evacuation planning
Third-party continuity exposure
Communication strategy
Department specific recovery and restoration plan
Captive Solutions
Take control of your risks and potentially realize profits through our expert-guided Captive Solutions.
Readiness evaluation
Assessment and selection of captive partner
Ongoing captive management

Want to learn more? Chat with a representative.

Send us a message or connect with one of our representatives to begin creating your dynamic enterprise risk management plan today.