Coverage We Offer

Short-Term Rental Insurance

Airbnb's AirCover and VRBO's coverage programs provide some protection but they are not insurance policies. Both have exclusions and claim processes that regularly leave hosts with gaps. A dedicated short-term rental policy covers your property commercially from the first night of your first guest.

Other Personal Insurance

Olive Cover writes a broad range of personal insurance beyond the standard home and auto lines. If you have a coverage need not listed elsewhere, reach out and we will find the right fit.

Business Owners Policy

A Business Owners Policy combines commercial property and general liability into a single policy. For most small businesses with a physical location or business property, a business package policy is the most cost-effective way to get the basics in place.

Commercial Auto Insurance

Personal auto policies exclude most business use of a vehicle. If you have vehicles in the business name, employees driving on company time, or any regular business driving beyond commuting, you need commercial auto coverage.

Cyber Liability Insurance

A single ransomware attack or data breach can cost a small business $200,000 or more in response, recovery, regulatory fines, and lawsuits. Cyber liability is no longer specialty coverage. It is essential for almost every business that uses email, processes payments, or stores customer data.

General Liability Insurance

General liability pays when your business operations cause bodily injury or property damage to a third party. Most commercial leases require it. Most client contracts require it. It is usually the first commercial policy a business buys.

Habitational Insurance

Habitational insurance covers apartment buildings, condominiums, and other residential rental properties under commercial insurance programs. The underwriting requirements differ significantly from single-family landlord policies.

Management Liability Insurance

Management liability insurance covers the personal liability of directors, officers, and managers for decisions made in their business roles. It includes D&O, employment practices coverage, and fiduciary liability. Businesses of all sizes face employment-related claims and governance disputes.

Nonprofit Insurance

Nonprofits face the same liability, property, and employment exposures as any business but have specific coverage needs around volunteers, board governance, and program activities. Standard commercial programs often miss key exposures that nonprofit-specific carriers address.

Other Commercial Insurance

Olive Cover writes a broad range of commercial insurance beyond the standard business package policy and general liability. If you have a commercial coverage need not listed elsewhere, reach out and we will find the right fit.