Business & Commercial Insurance

We can help you with all your business needs.  Here are a few types of coverages we offer:

• Commercial General Liability
• Commercial Property
• Business Auto
• Businessowners
• Umbrella / Excess Coverage
• EPLI (Employment Practices Liability Insurance) 
• Worker's Compensation
• Directors & Officers Liability
• Errors & Omissions
• Medical Mal Practice
• Crime
• Employee Dishonesty
• Contract Bonding
• License Bonds
• Key Man & Buy Sell Insurance

Employee Benefits

Whether you're planning for future growth, looking to reduce insurance costs, or simply evaluation the competitiveness of your benefits package, we have the experience to help you design an employee benefits program that meets your needs.

Employee Benefits

 A strong benefits program is essential to attracting and retaining good employees.  We offer a range of benefits and expertise to navigate regulatory and compliance issues to deliver a program that works for you and your employees.

As an employer, you know better than anyone the importance of having a complete benefits package.  You also know the importance of minimizing costs and reducing administrative burdens.  We offer competitively priced programs that will fit your needs,your budget and most importantly, allow you to attract and retain talented employees.     

Retirement Plan 

 A retirement plan is one of the most valued benefits you can offer to your employees.  To help you manage and understand complex issues and make informed decisions, we offer a unique consultative approach that provides you with access to market leading providers and a platform focused on compliance, employee communication and simplicity.

Services Offered

Depending on your needs, we can provide the following services:

Exposure Assessment by performing an in-depth review of your business operations to identify potential sources of loss exposure.

Claims Evaluation by discussing ways to help you reduce or eliminate risk with key employees and by assisting you in implementing an effective claims reporting system.

Review and Analysis of your Insurance Program.

Ongoing Services such as:  

          
• Certificate of insurance review
• Experience modification review
• Audit reviews
• Regularly scheduled policy reviews
• Alternative risk financing arrangements
• Coordination of loss control services
• Preparation of insurance specifications for marketing review and comparison of competitive proposals
• Loss analysis 
• Updates on insurance industry trends affecting your business            
• Develop and implement a plan that establishes service benchmarks for ourselves and your insurance carriers.

To ensure that we offer the best services and value to our customers, we have direct relationships with respected national and regional commercial line carriers, with preferred access to many more in the marketplace.

Commercial Auto

As a business owner, you need similar insurance coverages for your vehicles you use in your business as you do for vehicles used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, some business people use the same vehicle for both business and pleasure.

Whether your vehicles are owned by personally or by your business, you need to make sure that you have proper coverage as well as adequate limits.  A good insurance agent will ask you many details about how you use vehicles, who will be driving them in order to assess proper coverage for your needs.

While many coverages can be the same, a business auto policy differs from a personal auto policy in many aspects.  Ask your insurance agent to explain all the differences and options.

General Liability

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade.  General Liability insurance may prevent a lawsuit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

General Liability pays losses for bodily injury, property damage, or personal injury arising from your operations subject to exclusions, etc.  Some policies include coverages, such as:

Broad Range of General Liability Protection

• Bodily Injury, including the cost of care, the loss of services, and death that results from injury
• Property Damage coverage for the damage to property of others or the loss of use of that property
• Products-Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided
• Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
• Contractual Liability may extend limited coverage for liability you may assume by entering into a variety of contracts
• Other coverages may include: Reasonable Use of Force; Borrowed Equipment; Host Liquor Liability; Fire, Lightning or Explosion Damage to Rented Premises; Legal Defense Costs; Personal Injury; Advertising Injury; and specialized liability protection for specific business types

Commercial Property Insurance

Most people believe that special form property insurance covers all risks. The fact is that it doesn't work that way. Different policies respond in different ways and small nuances can add up to big differences in your level of protection.

If your business owns, rents or leases property, you should  have commercial property insurance. Property insurance covers your buildings and their contents, and outside structures subject to exclusions, etc.. Depending on your policy, coverage can include protection for furniture, machinery, merchandise, money, accounting records, electronic data, valuable documents, and items not directly attached to the building such as signs and fences.

Workers Compensation

Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover.

Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.

In most states, if you have employees, you are required to carry Workers Compensation coverage.