Thank you! Want to run your own quick quote?
Thank you for reaching out, someone from Karstens Financial will be in touch within 12 hours.
If you have a main street business, you may apply and get a quote directly with Next Insurance and possible get a policy today.
If not you are in the right place! Karstens Financial helps our clients with hard to place insurance and insurance at the right price.
In the mean time, our team will follow up and we have over 30 direct carriers and 100’s other carrier we work with to provide you coverage. What carriers do we represent? Most are here
If you have one of the businesses listed below. You can run a quick quote with Next Insurance Or THIMBLE! IF NOT Karstens Financial can run Your Quote and Give You the Best Pricing and Coverage!
GENERAL LIABILITY
Auto Service and Repair
Auto Body Shop
Auto Parts Store
Auto Repair Shop
Car Wash
Oil Change Station
Tire Shop
Beauty and Personal Care
Barber
Beautician
Cosmetologist
Day Spas
Esthetician Services
Hair Stylist
Laundry Services
Makeup Artists
Nail Technician
Personal Assistant
Shoe Repair
Tailors, Dressmakers and Custom Sewers
Cleaning
Carpet Cleaning
Floor Waxing
House Cleaning and Maid Service
Janitorial Services
Pressure Washing
Window Cleaning
Consulting
Art Consultants
Business Consulting
Employment Agencies
IT Consulting or Programming
Occupational Health and Safety Specialists
Product Designer
Safety Consultant
Training and Development Specialists
Translator
Contractors
Appliance Installation, Service and Repair
Debris Removal
Fence and Gate Installation
Landscaping and Lawn Care
Garbage Collection
General Contractor
Handyperson
Painting
Plumbing
Paving and Asphalt installation, Service and Repair
Creative Services
Advertising and Promotions Managers
Editorial Services
Graphic Designers
Marketing
Photo Editing, Scanning and Restoration
Photographer
Print Binding and Finishing Workers
Videographers
Wedding and Event Invitations
Writer
Financial Services
Accountant
Actuarial Service
Business Financing
Credit Authorizers, Checkers and Clerks
Debt Relief Services
Financial Adviser
Financial Examiners
Loan Officers
Securities, Commodities and Financial Services
Sales Agents
Title Loans
Food and Beverage
Bakery
Caterer
Coffee Shop
Food Truck
Grocery Store
Restaurant
Retail
Convenience Stores
Electronics Store
Farmers Market
Grocery Store
Hardware Store
Pet Stores
Retail Stores
Sports and Fitness
Dance Instructor
Fitness Instructor
Fitness Studios
Golf Instructor
Indoor Cycling Instructor
Martial Arts Instructor
Personal Trainer
Sports Coach
Umpires, Referees and Other Sports Officials
Yoga Instructor
● Revenue limit: $5 million
● $0 deductible
● Occurrence form
PROFESSIONAL LIABILITY
Architects and Engineers
Architect
Home Inspectors
Engineer
Interior Designer
Arts and Entertainment
Music Production Services
Video and Film Production
Music Entertainment
Financial Services
Accountant
Insurance Professionals
Claims Adjuster
Insurance Agent
Insurance Appraisers
Insurance Inspector
Real Estate Services
Property Manager
Real Estate Agent
Real Estate Appraisal
Real Estate Brokers
Venues and Event Spaces
● Revenue limit: $5 million
● $2,000 deductible
● Claims made
● Defense within limits
● Defense outside limits: AK, AR, NJ, NY, VT
TOOLS & EQUIPMENT
Cleaning
Carpet Cleaning
Floor Waxing
House Cleaning and Maid Service
Janitorial Services
Pressure Washing
Window Cleaning
Contractors
Appliance Installation, Service and Repair
Debris Removal
Fence and Gate Installation
Landscaping and Lawn Care
Garbage Collection
General Contractor
Handyperson
Painting
Plumbing
Paving and Asphalt installation, Service and Repair
Tools & Equipment Insurance: Currently available as an add-on to General Liability.
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COMMERCIAL PROPERTY
Auto Service and Repair
Auto Body Shop
Auto Parts Store
Auto Repair Shop
Car Wash
Oil Change Station
Tire Shop
Beauty and Personal Care
Barber
Cosmetologist
Day Spas
Esthetician Services
Hair Stylist
Laundry Services
Makeup Artists
Nail Technician
Shoe Repair
Tailors, Dressmakers and Custom Sewers
Cleaning
Carpet Cleaning
Floor Waxing
House Cleaning and Maid Service
Janitorial Services
Pressure Washing
Window Cleaning
Consulting
Art Consultants
Business Consulting
IT Consulting or Programming
Occupational Health and Safety Specialists
Other Consulting
Training and Development Specialists
Translator
Contractors
Appliance Installation, Service and Repair
Debris Removal
Fence and Gate Installation
Landscaping and Lawn Care
Garbage Collection
General Contractor
Handyperson
Painting
Plumbing
Paving and Asphalt installation, Service and Repair
Creative Services
Graphic Designers
Photographer
Videographer
Food and Beverage
Bakery
Caterer
Coffee Shop
Food Truck
Grocery Store
Restaurant
Pet Services
Dog Walker
Pet Boarding
Pet Groomers
Pet Training
Veterinarians
Retail
Convenience Stores
Electronics Store
Farmers Market
Grocery Store
Hardware Store
Pet Stores
Retail Store
Thimble Appetite
Contractors + Handymen Insurance
Available Coverage: General Liability, Inland Marine, Business Owner’s Policy*
- Carpentry*
- Chimney Cleaning*
- Closet Installation*
- Concrete Work (No Foundation Work)*
- Contractors (sub use up to 50%)
- Debris Removal
- Deck Building*
- Drywall Installation
- Electrical Work* (interior and exterior)
- Fence Building*
- Flooring*
- Framing
- Furniture Installation – Offices or Stores*
- Furniture Assembly – Non-Wood and Wood (No Cribs or Bunk Beds)
- Furniture Refinishing*
- Glaziers
- Gutter Cleaning*
- Handymen*
- HVAC* (Heating, Ventilation, and Air Conditioning Installation, Maintenance, or Repair)
- Invisible Fence Installation*
- Locksmiths*
- Masonry*
- Office Machines* (Installation, Inspection, Adjustment, Servicing, or Repair)
- Painting* (Interior and Exterior)
- Plastering*
- Plumbing (Commercial + Residential)
- Roofing
- Siding Installation
- Sign Installation, Servicing, and Repair*
- Stucco Work*
- Surveillance System Installation, Servicing, and Repair*
- Surveyors* (Not Performing Actual Construction)
- Swimming Pool Servicing* (No Construction)
- Tile, Stone, Marble, Mosaic or Terrazzo Work – Interior Construction*
- Upholstering*
- Window Decorating*
Ineligible Operations (Policies do not cover work performed before or after the policy period)
- Alarm System Monitoring
- Assembly of Cribs or Bunk Beds
- Crane Operators
- Fire or Water Mitigation or Restoration
- Foundation Work or Repair
- Those specializing in Garage Door Installation, Servicing or Repair
- Forklift Operator
- Grading or Excavating
- LPG (propane) connections
- Machinery or Equipment Repair (Other Than Office Machines And Household Appliances)
- Mechanics
- Pool Construction
- Roadside assistance
- Street, Road, and Highway Work
- Traffic Control
- Welding
- Hazardous Waste Removal
Crafters + Makers
Available Coverage: General Liability, Product Liability, Inland Marine
- Apparel makers
- Candlemakers
- Jewelry makers
- Leatherworkers
- Soapmakers
Ineligible Operations (Policies do not cover work performed before or after the policy period)
- Fireproof and/or fire resistance clothing or textiles are not covered
- Infant, baby and/or toddler clothing is not covered
- Our policies are not designed to cover apparel makers with annual sales over $500,000 (they are intended for artisans selling through online retailers and at physical stands)
- Our policies are not intended to cover industrial apparel manufacturing facilities
- Safety or protection gear is not covered, including personal protection equipment (ppe) clothing, face masks/shields, eye wear or gloves
Events + Entertainment Insurance
Available Coverage: General Liability, Professional Liability, Inland Marine, Business Owner’s Policy*
Events
- Actors*
- Corporate Party Planners*
- Event Staff
- Food / Catering (No Bartending)
- Individual event participants (not the event itself)
- Musicians*
- Speakers*
- Wedding Planners*
Entertainers
- Balloon Artists*
- Belly Dancers*
- Caricature Artists*
- Celebrity Look-a-Likes*
- Clowns*
- Comedians*
- Contortionists*
- DJs*
- Face Painters*
- Impersonators*
- Impressionists*
- Jugglers*
- Magicians*
- Mimes*
- Musical Conductors*
- Musicians*
- Poets
- Puppeteers*
- Santas*
- Storytellers*
- Street Performers*
- Ventriloquists*
Guides
- Canoe & Kayak Guides / Instructors
- Fishing Guides
- Float Trip Guides
- Hiking Guides
- Tour Guides
- Nature and Wildlife Guides
- Stand Up Paddleboard (SUP) Guides
Ineligible Operations (Policies do not cover work performed before or after the policy period)
- Acrobatic, Aerialist, or Stunt Performers
- Adult Film Operations
- Amusement Device, Rides or Inflatables Operators or rental (including Bouncy Castles)
- Any wrestling or MMA related activities
- ATV Tours
- Bartending
- Bouncers
- Exotic Dancers, Strippers, or Adult Entertainment
- Event Promoters
- Horseback Trail Rides
- Activities Involving Hunting
- Hypnotists
- Operations Involving Non-Domestic Animals
- Operations Involving Weapons
- Participating in Protests, Rallies and/or Marches
- Rock Climbing
- Skiing or Snowboarding Guides
- Importing, manufacturing, growing, distributing, storing, selling, using or ingesting marijuana or any product of the plant Cannabis Sativa L (whether or not it is the main ingredient or used in combination with other ingredients)
- Importing, manufacturing, growing, distributing, storing, selling, using or ingesting tobacco or products containing tobacco
Fitness + Personal Trainers Insurance
Available Coverage: General Liability, Professional Liability, Inland Marine, Business Owner’s Policy*
- Aerobics Instructors*
- Dance Instructors*
- Fitness Instructors*
- Golf Instructors*
- Martial Arts Instructors*
- Personal Trainers*
- Pilates Instructors*
- Spin Instructors*
- Swim Instructors*
- Tae Kwon Do Instructors*
- Tai Chi Instructors*
- Yoga Instructors*
- Zumba Instructors*
Ineligible Operations (Policies do not cover work performed before or after the policy period)
- Acupuncture Services
- Massage Therapists
- Occupational Therapists
- Physical Therapists
- Personal Enhancement Facilities
- Please note that our policies are not intended to cover liability arising out of the ownership of fitness centers or gyms. They are intended to cover independent instructors performing services, usually on others’ premises (e.g. a personal trainer training a student at a gym owned by someone else)
Freelancers + Consultants Insurance
Available Coverage: General Liability, Professional Liability, Inland Marine, Business Owner’s Policy*
- Administrative Services*
- Advertising and Marketing Consultant*
- Call Center Representative*
- Classroom Instruction
- Computer Programming*
- Computer Repair*
- Court Clerks*
- Creative Directors*
- Graphic Designers*
- House Sitting*
- Interior Decorating*
- IT Consultants*
- Notaries*
- Paralegals*
- Personal Shoppers*
- Photographers*
- Printing*
- Sound Recordists*
- Speakers*
- Translation Services
- Web Designers
- Web Developers
- Writers*
Ineligible Operations (Policies do not cover work performed before or after the policy period)
- Work performed before or after the policy period
- Alarm System Monitoring
- Babysitters and nannies
- Bouncers
- Elderly care
- Home health care
- Inspectors
- Lifeguards
- Rideshare drivers
- Roadside Assistance
- Security guards
- Training or Instruction demonstrated on real patients
- Traffic Control
- Search Engine Optimization
- Crane Training Services
- Machinery Training Services
- Military Training Services
- Police Training Services
- Any acts or services performed by the insured that is not licensed or certified to perform such acts or services if such licensing or certification is required by law
- Any acts or services as an investment advisor, financial planner, registered representative or broker/dealer of securities or commodities, mortgage banker or investment banker
- Importing, manufacturing, growing distributing, storing, selling, using, or ingesting marijuana or any product of the plant Cannabis Sativa L. (whether or not it is the main ingredient or used in combination with other ingredients)
Hair + Beauty Professionals Insurance
Available Coverage: General Liability, Professional Liability, Inland Marine, Business Owner’s Policy*
- Barbers*
- Beautician*
- Hair Stylists*
- Nail Artists*
Ineligible Operations (Policies do not cover work performed before or after the policy period)
- Spa owners
- Tattoo or Piercing Artists
- Spa services involving dangerous or inflammatory chemicals, tattooing or body piercing, or any other services determined to be excessively dangerous
- Please note that our policies are not intended to cover liability arising out of the ownership of salons. They are intended to cover independent stylists or professionals performing services on a client, often on others’ premises (e.g. a beautician traveling to a wedding venue for a bride)
Janitors + Cleaners Insurance
Available Coverage: General Liability, Inland Marine, Business Owner’s Policy*
- Car / Boat / Vehicle Washing or Detailing
- Cleaners and Janitors*
- Floor Waxing*
- Housekeepers*
- Janitorial Services*
- Office Cleaning*
- Pressure Washing*
- Window Cleaning*
Ineligible Operations (Policies do not cover work performed before or after the policy period)
- Inspectors
- Floor waxing during business hours or in commercial buildings with heavy foot traffic (malls, grocery/convenience/drug stores, hospitals, airports)
- Performing Work over Three Stories in Height (30 feet)
- Please note that our policies exclude coverage for personal property when it is in your care, custody, and control (e.g. if you’re detailing a car, damage you case to the car itself would not be covered)
Landscaping Insurance
Available Coverage: General Liability, Inland Marine, Business Owner’s Policy*
- Landscaping*
- Lawn & Yard Maintenance*
- Pesticide Application (Landscapers Only)
- Trimming or Pruning Trees Exclusively at Ground Level* (No Removals)
Ineligible Operations (Policies do not cover work performed before or after the policy period)
- Aerial crop spraying
- Bed bug remediation
- Fumigation/use of gas
- Grading or Excavating
- Highway or right of way maintenance
- Logging
- Pool Construction
- Tree Removal
- Use of pesticides that are not EPA approved
- Termite inspection or remediation
- Importing, manufacturing, growing distributing, storing, selling, using, or ingesting marijuana or any product of the plant Cannabis Sativa L. (whether or not it is the main ingredient or used in combination with other ingredients)
Pet Sitters Insurance
Available Coverage: General Liability, Professional Liability, Inland Marine, Business Owner’s Policy*
- Pet Grooming*
- Pet Services*
- Pet Sitting*
- Pet Training*
- Pet Walking*
Ineligible Operations (Policies do not cover work performed before or after the policy period)
- Please note that our policies exclude coverage for damage to pets while they are in your care, custody, or control (e.g. if you’re walking a dog and the dog you’re walking is injured, the injury to the dog would not be covered)
Photographers + Videographers Insurance
Available Coverage: General Liability, Professional Liability, Inland Marine, Business Owner’s Policy*
- Photographers*
- Videographers