General Liability
Core protection for third-party bodily injury, property damage, and common business liability exposures.
IndependentBroker-focused guidance
Business FocusedCommercial risk solutions
Broad AccessMultiple insurance markets
Secure ServiceOnline client portal
Insurance Solutions
Protect what you are building.
From everyday business risks to specialized industries, ECIA works to identify coverage options that fit the operation, contract, and exposure.
Workers’ Compensation
Coverage solutions for employee workplace injuries and employer obligations.
Contractors & Construction
Insurance support for contractors, projects, certificates, builders risk, and contract requirements.
Bonds & Surety
Bonding solutions for contractors and businesses with contractual or licensing requirements.
Commercial Auto & Trucking
Coverage for commercial vehicles, trucking operations, fleets, and owner-operators.
Professional Liability
Protection designed for professional services, errors, omissions, and specialized exposures.
Nonprofit & Specialty
Coverage guidance for nonprofits, daycare, healthcare-related organizations, and harder-to-place risks.
Life & Health
Insurance options for individuals, families, and business-related life and health needs.
About ECIA
A broker should help you understand the risk—not just sell a policy.
Esmie Coley Insurance Agency is an independent insurance brokerage serving businesses and individuals. ECIA focuses on helping clients understand coverage needs, navigate insurance requirements, and seek competitive solutions across available markets.
For commercial clients, that can include reviewing contractual insurance requirements, discussing business exposures, helping with certificates, and identifying coverage combinations appropriate to the operation.
Choose Your Application
Select the type of property or business you need insured.
Choose the correct application path below. Your selection will automatically set the quote request form to the right category.
Homeowners / Personal Property
For owner-occupied homes, personal residences, condos, and related personal property insurance needs.
Start Homeowners ApplicationCommercial Building / Commercial Property
For commercial buildings, business property, lessor risks, offices, retail locations, warehouses, and similar property exposures.
Start Commercial Building ApplicationGeneral Commercial Business
For business liability and operational risks, including contractors, workers’ compensation, commercial auto, professional liability, and other business coverage.
Start Commercial Business ApplicationContact ECIA