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.
Risk Management Services
Depending on your needs, our Risk Management Services can provide the following services:
Risk Management Exposure Assessment by performing an in-depth review of your business operations to identify potential sources of loss exposure.
Risk Evaluation by discussing ways to help reduce or eliminate risk with key employees.
Review and Analysis of your Insurance Program.
Claims Management by assisting you in implementing an effective claims reporting system.
Ongoing Services such as:
- Participation in merger and acquisition due diligence process
- Contract review
- Certificate of insurance review
- Experience modification review
- Audit or retrospective rating, large deductible or retention programs
- 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
- Registry of Motor Vehicle services
- Updates on insurance industry trends affecting your business
- All risk management accounts have a rolling 12 month service calendar in place.
- 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 the same kinds of insurance coverages for the car you use in your business as you do for a car 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, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.
Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.
While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.
General Liability
If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.
Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit 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 arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations. The Hartford's liability programs extend far beyond the provisions of typical policies, with broadened coverage and increased limits in over 30 areas.
Broad Range of General Liability Protection
- Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury
- Property Damage coverage for the physical 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 extends to any liability you may assume by entering into a variety of contracts
- Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types
Commercial Property Insurance
Most people believe that all risk 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. 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 from an employer.
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. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.