Business insurance built for growth.
General liability, workers comp, property insurance, habitational portfolios, and specialized coverage — including liquor liability and firearms/gun-range lines most general carriers won't touch. Five lines price instantly; everything else gets a real specialist, bundled into one review either way. One agent, one bill, and underwriting that already understands what veteran-owned means — instead of learning it after a claim.
One relationship
Not a directory of vendors.
Business Banking pairs with every policy here for one relationship, not a directory of vendors.
Built different
Veteran-owned isn't a footnote to us.
Most commercial insurers serve veteran-owned businesses the same way they serve everyone else — same forms, same declined industries, same generic underwriting. VAB carries lines general carriers won't: firearms and gun-range coverage for FFL dealers and ranges, and habitational portfolios priced up to $10M through our TRRG program. Builders risk, commercial auto, workers' comp, and the other specialist lines are underwritten by people who already understand veteran-owned risk instead of learning it from scratch. One agent handles the relationship end to end, and the same intake carries across every line you apply for — instant-quote or specialist.
Coverage Portfolio
Coverage options.
5 lines quote instantly, and habitational portfolios price automatically up to $10M. Everything else — from builders risk to liquor liability — goes to a real underwriter, because that's what gets you an accurate number, not a slower one.
General Liability
Protects against claims of bodily injury or property damage from your operations.
Commercial Property
Your building, equipment, and inventory — covered against fire, theft, and disaster.
Cyber Liability
Data breach response, notification costs, and third-party claims after an incident.
Professional Liability (E&O)
Errors and omissions coverage for the advice or service your business provides.
Directors & Officers
Protects the people who run the company personally from claims tied to their decisions.
Habitational Coverage
Apartment buildings and multi-family portfolios — priced instantly up to $10M, larger portfolios routed to a specialist.
Builders Risk
Covers a structure under construction or renovation until the project is complete.
Commercial Auto
Fleet and business-vehicle coverage, underwritten to your actual routes and drivers.
Workers' Compensation
Required coverage for employee injuries — rated to your real payroll and class codes.
Business Interruption
Revenue protection while you recover from a covered loss — bundled into a Business Owners Policy review.
Liquor Liability
For bars, restaurants, and any business that serves or sells alcohol — third-party claims tied to intoxication.
Firearms & Gun-Range Coverage
Specialized liability for FFL dealers, ranges, and gunsmiths — a line most general carriers won't touch.
Fleet & Business Auto Warranty
A business-auto version of our consumer auto warranty for fleet vehicles. Tell us what you run — a real person follows up, no fabricated plan or price.
Not on the list
Tell us what you need covered.
Liquor liability, firearms and gun-range coverage, fleet & business auto warranty, and other niche lines don't run through the instant-quote calculator yet — a real specialist reviews these by hand.
One intake. Every line covered.
Most commercial insurance sites split into two experiences: an instant quote tool for what's easy to price, and a separate phone-tag process for everything else — different forms, sometimes a different company. VAB doesn't split it that way. The intake you fill out for general liability is the same intake your specialist reviews for builders risk, workers' comp, or liquor liability — property details, payroll, industry, and fleet, entered once.
Industry, headcount, property, and fleet — the same intake either way, instant-quote or specialist lines.
General liability, property, cyber, E&O, and D&O price through a real-time-rated carrier API on our TRRG program — a real quote in minutes, not a lookup table, and no waiting on an underwriter.
Builders risk, commercial auto, workers' comp, business interruption, liquor liability, and firearms/gun-range coverage are underwritten by a real person to your actual risk — bundled into one review, one bill.
"One review, one bill" isn't marketing language — it's the actual structure. Your specialist underwrites every non-instant line as a single submission, not one per coverage type, and everything you carry through VAB — instant-quote and specialist-reviewed alike — comes back through one agent and one invoice. You're not stitching together policies from three different vendors to cover one business.
Why businesses choose The Veteran Alliance.
Veteran-First Approach
Underwriting informed by what veteran-owned actually means for risk — including industries, like firearms and gun ranges, that general carriers decline outright.
Competitive Rates
Rates tailored to your real risk profile, not a generic industry average.
Quick Quotes
Instant pricing on 5 of 13 coverage lines, with the same intake carrying into specialist review for the rest.
Dedicated Support
One agent for every policy you carry — not a new rep every time you call.
Industry Experts
Underwriting review handled by specialists in builders risk, commercial auto, workers' comp, and the harder-to-place lines.
Comprehensive Protection
Business Banking pairs with every policy here — one relationship, not a directory of vendors.
Industries we serve.
Construction
Retail
Healthcare
Professional Services
Contractors
Hospitality
Manufacturing
Tech Startups
Real Estate
Firearms & Gun Industry
Nonprofits
Straight answers
Coverage questions.
General liability, commercial property, cyber, professional liability (E&O), and directors & officers all return a real instant quote, priced through the same real-time-rated carrier API on our TRRG program — not a fabricated estimate. Habitational portfolios price instantly up to $10M through that same TRRG program. Builders risk, commercial auto, workers' compensation, business interruption, liquor liability, and firearms/gun-range coverage are underwritten by a specialist — same intake, one review.
Builders risk, commercial auto, workers' comp, liquor liability, and firearms/gun-range coverage depend on details — project timeline, driver records, payroll class codes, pour hours, FFL status — that a self-serve calculator isn't built to underwrite accurately. A real underwriter gets you a more accurate number, not a slower one.
Yes — most veteran-owned businesses carry general liability plus property and workers' comp at minimum. Bundling through one review usually beats pricing each line separately.
Tell us what you need covered in the specialty intake below — liquor liability, firearms and gun-range coverage, fleet auto warranty, and other niche lines all route to a real person, not a dead end.
We carry lines most general carriers decline outright — firearms and gun-range coverage for FFL dealers and ranges, and habitational portfolios priced up to $10M through our TRRG program. Every line, instant-quote or specialist-reviewed, runs through the same intake and the same agent relationship instead of a new vendor for every policy.
Your specialist reviews every non-instant line as a single submission instead of one per coverage type, and everything you carry — instant-quote and specialist lines alike — comes back through one agent and one invoice, paired with Business Banking if you bank with us. You're not managing separate relationships with separate carriers for one business.
Protect Your Business
Get comprehensive commercial insurance tailored to your veteran-owned business. Business Banking pairs with every policy here for one relationship, not a directory of vendors.