Trusted by 4,800+ businesses nationwide
Insurance built for what's actually at risk.
Comprehensive business and umbrella coverage that moves with the complexity of your operations — not against it.
$2M+
Average Coverage
24hr
Claims Response
98%
Claims Settled
Coverage Options
Protection designed around your business.
Two cornerstone policies — both built to cover the gaps other carriers leave open.
Business Insurance
Core protection for your operations, assets, and people — structured to match your industry's specific risk profile.
- ✓General Liability
- ✓Commercial Property
- ✓Workers' Compensation
- ✓Business Interruption
- ✓Professional Liability (E&O)
Umbrella Insurance
An extra layer of liability that activates when your primary policies reach their limit — because some risks don't announce themselves.
- ✓Up to $10M excess liability
- ✓Covers gaps in underlying policies
- ✓Third-party bodily injury & property damage
- ✓Defense costs included
- ✓Worldwide coverage available
Cyber Liability
First and third-party coverage for data breaches, ransomware events, and regulatory costs — increasingly essential for every business.
- ✓Data breach response
- ✓Ransomware & extortion coverage
- ✓Regulatory fines & penalties
- ✓Business interruption from cyber
How It Works
Coverage in days, not weeks.
We’ve removed the friction from commercial insurance without cutting corners on coverage or compliance.
Step 1
Tell us about your business
A brief 10-minute intake covers your industry, revenue, headcount, and biggest exposures. No jargon required.
Step 2
Review your custom proposal
Your dedicated advisor assembles quotes from our carrier network and explains each option clearly — with a recommendation.
Step 3
Bind coverage, stay protected
Sign electronically and certificates of insurance are issued the same day. We handle renewals and changes proactively.
Your Coverage Dashboard
Business Owner’s Policy
Effective Jan 1 – Dec 31, 2025
Active
Commercial Umbrella
$5M excess limit
Active
Cyber Liability
$1M first-party coverage
Renews Jan
4,800+
Businesses covered
$2.3B
Total coverage in force
98%
Claims paid out
18 yrs
Industry experience
Client Stories
Built on relationships that last longer than a policy term.
★★★★★
“When we had a slip-and-fall claim last spring, Meridian had an adjuster on the phone within two hours. The claim was settled in three weeks. That’s why we’ve been clients for nine years.”
RC
Robert Chen
Owner, Pacific Rim Hospitality Group
Owner, Pacific Rim Hospitality Group
★★★★★
“Our previous broker never explained why we needed umbrella coverage. Meridian’s team walked through three real scenarios where our general liability limit would have been exhausted. We signed within the week.”
SM
Sarah Malone
CFO, Malone Civil Engineering
CFO, Malone Civil Engineering
★★★★★
“We scaled from 12 to 90 employees in two years. Meridian adjusted our coverage at every milestone without us having to chase them. They feel more like a business partner than a vendor.”
DL
Diana Luo
Co-founder, Lattice Health
Co-founder, Lattice Health
Get Started
Your quote is a conversation, not a form.
Speak with a licensed advisor who actually knows your industry. No call centers. No hold music. Just answers.
Average response time: under 2 business hours.