Smart Coverage.
Personalized Service.
Insurance That Protects Your Business.

At GDK Insurance, we provide comprehensive coverage to businesses across industries. From general liability to niche project-specific insurance, we have tailored solutions to fit your unique needs. Explore our wide range of insurance options below.

Tailored Insurance Solutions For Your Industry

  • Construction Firms

    Liability, workers’ comp, and builders' risk.

  • Architects & Engineers

    Professional liability and contract coverage.

  • Interior Designers

    Client protection and business insurance.

  • Landscape Architects

    Project insurance and environmental liability.

  • Serving Businesses in

    All 50 states.

Explore Industry-Specific Coverage

General Business Insurance

General Liability Insurance

Purpose: Protects businesses from third-party claims involving bodily injury, property damage, or advertising injury.

Who needs it? Every business, including retail, service industries, and professional services.

Example: A client trips and falls while visiting your office. General Liability Insurance covers medical expenses and legal fees.

Single Job Excess Insurance

Purpose: Provides additional coverage when your standard policy limits are insufficient for a specific project.

Who needs it? Firms working on high-value or high-risk projects that require higher liability limits.


Example: A design firm is required to carry $10M coverage for a large project, but their base policy only covers $5M. Single Job Excess Insurance covers the additional $5M.

Employment Practices Liability Insurance (EPLI)

Purpose: Covers businesses against claims related to employment issues, such as discrimination, harassment, or wrongful termination.

Who needs it? Any business with employees, especially those with complex HR policies.

Example: An employee files a claim alleging discrimination at work. EPLI covers legal costs, settlements, and judgments.

Commercial Auto Insurance

Purpose: Covers vehicles used for business purposes, including liability, damage, and medical expenses.

Who needs it? Businesses that use vehicles for delivery, transportation, or travel.

Example: A company vehicle is involved in an accident while transporting equipment. Commercial Auto Insurance covers the damages and medical expenses.

Inland Marine Insurance

Purpose: Covers tools, equipment, and materials while in transit or stored off-site.


Who needs it? Contractors, designers, and businesses that use or transport valuable equipment.

Example: A designer’s tools are stolen while on their way to a client site. Inland Marine Insurance helps replace the stolen items.

Professional Liability Insurance (Errors & Omissions)

Purpose: Covers claims arising from professional mistakes, negligence, or failure to perform as promised.


Who needs it? Architects, engineers, consultants, and other service providers.

Example: An architect is sued for a design error that causes a construction project to go over budget. Professional Liability Insurance covers the legal costs and settlement.

Project-Specific Insurance

Purpose: A comprehensive policy that covers all risks associated with a particular project, from design to construction.

Who needs it? Architects, engineers, contractors, and developers working on large or complex projects.

Example: A construction firm buys project-specific insurance to cover general liability, workers' compensation, and builder’s risk for a new office building.

Directors and Officers (D&O) Insurance

Purpose: Protects executives and directors from personal liability related to their decisions in running the company.


Who needs it? Businesses with a board of directors or key executives.


Example: A shareholder sues a company’s CEO for a decision that led to financial loss. D&O Insurance covers the legal expenses and settlement.

Pollution Liability Insurance

Workers' Compensation Insurance

Purpose: Provides medical benefits and wage replacement to employees injured while working.

Who needs it? Businesses with employees, especially those with physical labor or on-site work.

Example: An employee is injured on the job while installing equipment. Workers' Compensation covers their medical bills and lost wages.

Project & Industry-Specific Insurance

Builders' Risk Insurance

Purpose: Protects structures under construction against damage from fire, weather, theft, or vandalism.


Who needs it? Construction firms, developers, and contractors.



Example: A construction project is halted due to a fire, causing significant damage to the building. Builders' Risk Insurance covers the repair costs.

Liability & Executive Protection

Specialty Insurance

Purpose: Protects against claims related to environmental damage caused by your business operations or construction activities.

Who needs it? Construction firms, manufacturers, or any business involved in activities with environmental risk.

Example: A construction project accidentally contaminates a nearby water source. Pollution Liability Insurance helps cover the cleanup costs and legal liabilities.

Umbrella Insurance

Purpose: Provides extra liability protection above and beyond the limits of your primary policies.



Who needs it? Businesses at risk of high-value claims or those with significant assets to protect.

Example: A design firm faces a lawsuit that exceeds the limits of their General Liability and Workers’ Compensation policies. Umbrella Insurance covers the excess amount.

Cyber Liability Insurance

Purpose: Provides coverage for data breaches, cyberattacks, and other IT-related risks, including the loss of sensitive data.

Who needs it? Any business that handles sensitive data or operates digitally.

Example: A design firm’s data is compromised in a cyberattack. Cyber Liability Insurance helps cover the cost of data recovery, legal fees, and notifications.

Business Continuity Insurance

Business Interruption Insurance

Purpose: Covers loss of income if your business is temporarily unable to operate due to a covered event, such as a natural disaster or fire.

Who needs it? Businesses that rely on physical locations or equipment to operate.

Example: A fire damages a design firm’s office, causing it to close for several months. Business Interruption Insurance compensates for lost revenue during the downtime.
Coverage Type What It Covers? Who Needs It? Example
General Liability Insurance Covers third-party claims for injury or damage All businesses, especially those with client interactions A client slips in your office; policy covers medical/legal fees.
Professional Liability (Errors & Omissions) Covers claims due to professional errors or negligence Architects, engineers, consultants An architect is sued for a design flaw.
Workers' Compensation

Covers medical/wage replacement for job-related injuries

Businesses with employees

 An employee is injured on-site; policy covers medical expenses.
Single Job Excess Insurance

Provides extra coverage beyond primary policy limits

Firms working on high-risk, high-value projects

 A contractor needs $10M for a $15M project; policy covers the $5M gap.
Project-Specific Insurance

Covers all risks associated with a particular project from design to construction

Architects, contractors, developers

 A design firm working on a commercial building purchases insurance for all risks involved.
Employment Practices Liability Insurance (EPLI)

Covers employment-related claims like discrimination

Any business with employees

 An employee files a wrongful termination claim.
Commercial Auto Insurance Covers vehicles used for business Businesses with vehicles for transport or delivery A company vehicle is in an accident; policy covers damages.
Umbrella Insurance Provides extra liability coverage Businesses at risk of high-value claims A lawsuit exceeds liability limits; Umbrella Insurance covers the excess.
Builders' Risk Insurance Covers damage to buildings under construction Contractors and developers A fire damages a construction site; policy covers repairs.
Pollution Liability Insurance Covers environmental damage from business operations Construction firms, manufacturers A project contaminates water; policy covers cleanup.
Cyber Liability Insurance Covers data breaches, cyberattacks, and other IT-related risks Businesses handling sensitive client data A firm’s database is hacked; policy covers recovery/legal fees.
Inland Marine Insurance Covers equipment/materials in transit or off-site Contractors, designers, and any business transporting valuable equipment A designer’s tools are stolen; policy covers replacement costs.
Directors and Officers (D&O) Insurance Protects executives from personal liability Companies with a board of directors or executives A CEO is sued for a financial decision; policy covers legal costs.
Business Interruption Insurance Covers loss of income during operational downtime Businesses dependent on physical locations A fire damages an office; policy covers lost income during repairs.

Not sure what coverage you need?

Your Insurance Questions, Answered.

  • Most firms need:

    • Professional Liability Insurance – Covers design errors & project disputes.

    • General Liability Insurance – Covers third-party injuries & property damage.

    • Workers' Compensation Insurance – Covers employee injuries & lost wages.

  • Yes! General liability does NOT cover design errors, contract disputes, or project issues. Only professional liability insurance provides this protection.

  • Costs depend on:

    • Firm size & revenue

    • Industry risk level

    • Coverage limits

  • Without proper insurance, firms face:

    • Costly lawsuits

    • Project delays & contract disputes

    • Business reputation damage

Let’s find the right insurance for your business.