General Liability
Bodily injury, property damage, and personal-injury claims arising from your operations.
For Business
Commercial coverage built for the way American businesses actually operate.
Whether you run a five-person studio in Brooklyn or a 5,000-person operation across the Midwest, Newlights writes the lines you need, under one underwriter and one renewal date.
Commercial Property
Buildings, contents, and business interruption — including catastrophic perils.
Workers' Compensation
Statutory coverage in all 50 U.S. states, with integrated return-to-work programs.
Commercial Auto
Fleets of any size, hired and non-owned auto, and motor truck cargo coverage.
Cyber & Tech E&O
Data breach response, ransomware, and tech-services professional liability.
Industry Specialty
Healthcare, hospitality, construction, manufacturing, and professional services.
Programs
Pre-built insurance programs for U.S. industries.
Endorsements and limits already tuned for your sector — so quotes come back in days, not weeks.
Restaurants & Hospitality
Healthcare Practices
Construction & Trades
Manufacturing
Professional Services
Tech & SaaS
Real Estate
Nonprofits
Right-sized coverage
From sole proprietor to Fortune 1000.
We segment our commercial book by revenue and risk profile so quotes are accurate and renewals are predictable. Every account — small or large — gets a senior underwriter, not a call-center.
Small Business
Under $5M revenue
BOP + WC, online portal, advisor on call.
Middle Market
$5M – $250M
Layered programs, captive options, loss-control engineer.
Enterprise
$250M+
Dedicated risk-management team and global placement.
27
Years insuring U.S. businesses
12,400+
Active commercial policies
$1.4B
Commercial claims paid
A+
A.M. Best financial strength
Frequently asked
Common business-insurance questions.
Can I get a Certificate of Insurance the same day?
Yes — Newlights commercial clients can self-serve unlimited COIs through our online portal, or request a custom certificate any business day before 4pm ET.
Do you write coverage for newly-formed LLCs?
Absolutely. We routinely bind general liability and BOPs for businesses on day one of operation.
How does workers' compensation work across states?
We file in all 50 states and manage multi-state exposures through a single program, including monopolistic-state coordination (OH, ND, WA, WY).
Can you replace my current broker?
We act as both broker and direct writer depending on your line. Either way, we handle the BOR letter and notify your incumbent carrier.
Do you offer cyber for small businesses?
Yes — our Cyber Essentials product starts at $58/month and includes ransomware, breach response, and a 24/7 incident hotline.
What about contractor / additional-insured endorsements?
Blanket additional-insured and waiver-of-subrogation endorsements are included by default on most general-liability policies.