Coverage built around
your actual risk.

Every business is different. Tricrest shops dozens of carriers and builds coverage that reflects your operation — not a generic package that may leave gaps right where you need coverage most.

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Business owners policy (BOP)

For most small businesses, a Business Owners Policy is the foundation — it bundles the core coverages you need into one streamlined package at a better rate than buying each separately.

What a BOP typically includes

General liability — covers third-party bodily injury and property damage claims

Commercial property — covers your building, equipment, and inventory

Business interruption — covers lost income if you can't operate after a covered loss

A BOP is a starting point, not the whole picture. Depending on your business, you'll likely need additional coverage on top. That's where we come in — we look at the full picture, not just the bundle.

Coverage types

What we write for businesses

Beyond the BOP, these are the most common coverages small and mid-size businesses in Kansas need.

General liability

Covers claims of bodily injury or property damage caused by your business operations, products, or employees. The baseline coverage every business needs.

Commercial property

Covers your building, equipment, inventory, and other physical assets from fire, theft, weather, and other covered events. Kansas hail alone makes this non-negotiable.

Workers' compensation

Pays for medical expenses and lost wages when an employee is injured on the job. Required by law in Kansas for most businesses with employees.

Commercial auto

Covers vehicles owned or used by your business. Personal auto policies typically exclude business use — if your employees drive for work, you need this.

Professional liability (E&O)

Covers claims that your professional services caused a client financial harm. Essential for consultants, advisors, contractors, and anyone who provides expert services.

Cyber liability

Covers costs related to data breaches, ransomware, and cyber attacks. If your business handles customer data or relies on digital systems, this exposure is real.

Umbrella / excess liability

Additional liability limits above your primary policies. Provides a higher ceiling when the nature of your business creates larger potential exposures.

Business interruption

Covers lost income and ongoing expenses when your business can't operate due to a covered loss. Keeps you afloat while you recover.

Who we cover

Built for Salina businesses

From sole proprietors to established operations — we work with businesses of all sizes across Kansas and the Midwest.

Sole proprietors

One person, real liability. Even if you work alone, you have exposure. We build coverage that fits a solo operation without overcharging.

Contractors & trades

General liability, tools & equipment, commercial auto, workers' comp. We understand what contractors need and what they often miss.

Retail & service businesses

Storefronts, restaurants, salons, service providers. A BOP is usually the foundation — we build the right package on top of it.

Professional services

Consultants, advisors, accountants, real estate professionals. E&O coverage is the piece most professionals overlook until they need it.

Agriculture & agribusiness

Farm property, equipment, liability, and crop coverage. Kansas agriculture has unique risks — we write coverage that reflects them.

Aviation businesses

FBOs, flight schools, MROs, and charter operators. Our aviation specialty means we understand what aviation businesses actually need.

Free quote · No obligation

Coverage built around
your operation.

Tell us about your business and we'll find the right coverage across our carrier network. No generic packages — just coverage that fits what you actually do.

(785) 333-4590 info@tricrestinsurance.com

Coverage built aroundyour actual risk.

Coverage built around
your actual risk.