Commercial Insurance

This is the most fundamental coverage for a business, and we help you with:

• Risk Evaluation: We determine the appropriate liability limits based on your company's size, industry, and potential for claims.

• Policy Customization: We can add specific endorsements for things like advertising injury or contractual liability to ensure the policy fits your business's specific needs.

• Claim Management: We guide you through the claims process for issues like bodily injury or property damage, ensuring all necessary documentation is provided.

We assist your business with:

• Asset Valuation: We help you accurately value your company's buildings, equipment, inventory, and other physical assets to ensure they are fully protected from damage, theft, or natural disasters.

• Business Interruption: We ensure your policy includes business interruption coverage, which provides financial support to help your business stay afloat after a covered event.

• Risk Mitigation: We can provide resources and advice on loss prevention measures, such as installing fire protection systems or implementing security protocols to help lower your premiums.

For businesses with a fleet of vehicles, we provide:

• Policy Structuring: We help you structure the policy to cover all company-owned or leased vehicles, and we can add coverage for employees who use their personal vehicles for business.

• Driver & Fleet Management: We assist in managing your policy by adding or removing vehicles and drivers, and we can help your business implement safe driving programs to reduce risk and premiums.

• Claims Advocacy: We are the point of contact for handling claims involving accidents, theft, or damage to business vehicles, ensuring a quick and efficient resolution.

This is a legally mandated policy in most states, and our services include:

• Compliance: We ensure your business is compliant with state-specific workers' compensation laws and has the proper coverage for your employees.

• Payroll Audits: We can assist in preparing for and navigating payroll audits conducted by the insurance company to ensure your company is properly classified and not overpaying for coverage.

• Loss Control: We provide resources and advice on safety training, risk management, and return-to-work programs to help reduce workplace injuries and control future premium costs.

We help service-based businesses with:

• Needs Assessment: We identify the specific professional risks your business faces, such as allegations of negligence, mistakes, or failure to deliver a promised service.

• Policy Design: We work with carriers to design a policy that covers the unique services your business provides, including legal defense costs for both valid and baseless claims.

• Meeting Contractual Requirements: We ensure the policy meets any professional liability coverage requirements mandated by your client contracts, protecting your business from financial and legal risk.