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Small business owner
BizShield — Powered by Pembroke Insurance

Every small business deserves big-league coverage.

BizShield by Pembroke gives small business owners a single, streamlined program that covers the core risks — property, liability, auto, and employees — with the personalized service of a dedicated advisor.

24h
Quote Turnaround
A+
Carrier Rating
$1M+
Liability Limits
50+
Industries Served
Coverage

What BizShield covers.

Purpose-built coverage for your industry's real exposures — not a generic policy with your name on it.

Business Owners Policy (BOP)

The small business essential: property, general liability, and business income coverage in a single, cost-effective package.

Commercial Auto

Business vehicles, employee vehicles used for work, and delivery operations — covered for liability and physical damage.

Workers Compensation

Required in most states the moment you hire employees. We make the application and audit process simple.

Professional Liability / E&O

If your business provides advice, services, or professional work, E&O protects you if a client claims financial harm.

Employment Practices Liability (EPLI)

Covers harassment, discrimination, wrongful termination, and wage claims — small businesses face these risks too.

Cyber Liability

Even small businesses hold customer data. Covers breach response, notification, and liability when things go wrong.

Who It's For

Built for businesses like yours.

BizShield is the right fit if your business falls into any of the following categories.

Retail stores and boutiques
Service businesses of all types
Restaurants and food service operators
Professional service firms
Trades and skilled service providers
E-commerce and online businesses
Franchise operators
Real Risk. Real Examples.

Situations your policy needs to handle.

"A customer slips and falls in your retail location."
General liability is the foundation of every small business insurance program. Without it, a single premises liability claim can threaten the entire business.
"A former employee files a wrongful termination complaint."
Employment practices liability (EPLI) protects you against discrimination, harassment, and wrongful termination claims — exposures that are more common for small businesses than most owners realize.
"Your business laptop with client data is stolen."
Even small businesses hold customer information that triggers breach notification obligations. Cyber liability covers response costs, notification, and third-party claims.
The Pembroke Difference

Why BizShield by Pembroke.

Simple Application Process

Our BizShield application is short, plain-language, and designed to get you to a quote fast — no complex forms or jargon.

Advisor Who Knows Your Business

You'll work with one dedicated advisor who understands your operations — not a different person every time you call.

Coverage That Grows With You

As your business adds employees, vehicles, or locations, we adjust your program — proactively, not reactively.

Client Stories

What our clients say.

★★★★★

"I'm a small business owner, not an insurance expert. I needed someone I could trust to tell me what I actually needed — not someone trying to sell me ten policies. Pembroke gave me a clear recommendation, explained what each piece of coverage did in terms I could understand, and had everything in place in a single day."

SB
Small Business Owner

Ready to get your BizShield quote?

Our specialists know your industry. Let's build the right program for your business — fast.