About Us

Our Commercial Insurance Services

We offer tailored insurance solutions designed to protect businesses of all sizes from the risks they face every day. From general liability and professional liability to workers' compensation, commercial auto, and specialized coverage for high-rise properties and homeowners associations, our team provides expert guidance and comprehensive policies that fit your industry, operations, and goals. Whether you’re a contractor, consultant, property manager, or business owner, we help safeguard what matters most — so you can focus on growing your business with confidence.

About the Company and Founder

At Brian Berg Insurance Services, we are dedicated to providing comprehensive insurance solutions tailored to meet the unique needs of common interest developments and business professionals. With over three decades of experience in the insurance industry, our founder and CEO, Brian Berg, has built a reputation for delivering personalized service and expert guidance. Brian's extensive background includes leadership roles in various insurance firms, where he sharpened his skills of coverage evaluation and governing document interpretation to better serve the common interest community, niche market. His commitment to excellence and deep understanding of the industry's complexities ensure that our clients receive the highest level of protection and peace of mind.

Brian Berg Insurance Services, Inc. proudly supports and maintains active involvement in a number of respected trade organizations through both membership and contributions.

Some of Our Associations and Contributions

For a complete list of our Associations and Contributions,

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Our services

High Rise Insurance

High-rise buildings present unique insurance needs due to their size, structure, shared systems, and density of occupants. Whether residential, mixed-use, or commercial, these properties require specialized coverage that addresses the complexities of vertical living or business operations. High-rise insurance typically includes protection for common areas such as lobbies, elevators, hallways, gyms, parking structures, and mechanical systems, as well as liability coverage for incidents that may occur in these shared spaces.

Associations or ownership groups are also responsible for securing coverage that aligns with the building’s governing documents, often requiring a master insurance policy to protect the structure, common elements, and potential exposures. Given the high property values and potential risks involved—such as water damage between units, fire, or structural claims—it’s critical to work with a provider experienced in high-rise insurance. Proper coverage not only ensures compliance with governing documents and lender requirements but also protects the long-term financial health of the building and its residents or tenants.

Commercial Liability Insurance

Commercial liability insurance is essential for protecting businesses from unexpected risks that can arise during everyday operations. This type of coverage helps safeguard your company against financial loss due to third-party claims of bodily injury, property damage, or personal and advertising injury. Whether a customer slips and falls on your premises, or your business accidentally causes damage to a client’s property, commercial liability insurance helps cover legal fees, medical expenses, and potential settlements.

It’s a foundational policy for businesses of all sizes and industries, offering peace of mind and financial protection. By carrying adequate liability coverage, business owners demonstrate responsibility and reduce exposure to costly lawsuits that could otherwise disrupt operations or impact long-term success. It’s not just a safety net—it’s a smart business move.

Professional Liability Insurance

Professional liability insuranceb — also known as errors and omissions (E&O) insurance — provides critical protection for businesses and individuals who offer professional services or expert advice. This coverage helps defend against claims of negligence, mistakes, or failure to deliver services as promised, even if the accusations are unfounded.

For consultants, architects, designers, accountants, and other professionals, a single oversight or misunderstanding can lead to costly legal disputes. Professional liability insurance helps cover legal defense costs, settlements, and judgments, allowing you to focus on your work without the constant worry of potential liability. In many industries, it’s not just recommended—it’s a contractual requirement. With the right policy in place, you can protect your reputation, your finances, and the future of your business.

Workers’ Compensation Insurance

Workers’ compensation insurance is designed to protect both employers and employees when a work-related injury or illness occurs. It provides employees with fixed financial benefits—such as medical expenses, wage replacement, and rehabilitation—without the need for lengthy litigation, ensuring a smoother and more predictable process.

For employers, it helps manage financial risk by limiting the amount that can be recovered in a claim, as outlined by state laws. In most states, carrying workers’ compensation insurance is mandatory if you have employees, and even in states where it’s optional, it’s often a wise decision—especially in industries involving physical labor or elevated risk. It’s important to note that workers’ compensation is not a substitute for health insurance; it is a dedicated policy specifically covering injuries and illnesses that occur on the job.

Business & Commercial Insurance

Protecting your business from everyday risks is essential to long-term success. Business and commercial insurance provides coverage that helps safeguard your operations, assets, employees, and financial future. Two of the most common and important types of coverage are General Liability and Commercial Auto insurance.

General Liability Insurance
General liability insurance protects your business from third-party claims of bodily injury, property damage, and personal or advertising injury. Whether a customer slips and falls on your premises or your team accidentally damages a client’s property, this coverage helps cover legal fees, medical expenses, and settlements. It's a core policy for virtually any business, offering peace of mind and financial protection from unexpected incidents that could otherwise result in costly lawsuits.

Commercial Auto Insurance
If your business owns or operates vehicles — whether for deliveries, service calls, or transporting equipment — commercial auto insurance is a must. This coverage protects your business vehicles and drivers from the financial impact of accidents, theft, and damage. It typically includes liability coverage, collision, comprehensive, and uninsured motorist protection. Personal auto policies often exclude business use, so a dedicated commercial auto policy ensures your company stays protected on the road.

Frequently Asked Questions

We understand that navigating the world of commercial insurance can be complex. To help you make informed decisions about protecting your business, we've answered some of the most common questions about our insurance services. If you don’t see your question here, please feel free to contact us — we’re happy to provide the answers you need to make the right choice for your company.