Coverages + Services

We take great pride in the extensive product knowledge held by each Advisor. Our in-depth expertise enables us to recommend the solutions that are best aligned with your business, your goals and your budget. From offering a single point of contact with 24/7 availability, we’ve structured our agency to ensure that you have access to the people, tools and answers you need — when you need them.

 
 

Coverages

Property & Asset Protection

  • Commercial Property Insurance: Covers damage to a business’s physical property, including buildings, equipment, and inventory.

  • Business Interruption Insurance: Reimburses lost income and operating expenses if a business is unable to operate due to a covered loss.

  • Inland Marine Insurance: Covers goods, tools, and equipment in transit or at off-site locations.

  • Builder’s Risk Insurance: Protects structures under construction from risks like fire, theft, or natural disasters.

  • Flood Insurance: Provides protection against damage caused by flooding, typically excluded from standard property policies.

  • Tenant Improvements Insurance: Covers alterations or improvements made by tenants to leased property.

  • Ocean Marine Insurance: Protects goods transported over water, including cargo and vessels.

  • Equipment Breakdown Insurance: Covers repair or replacement costs for equipment damaged by mechanical failure or electrical breakdown.

Liability Protection

  • General Liability Insurance: Provides coverage for third-party bodily injury, property damage, and personal injury claims.

  • Professional Liability Insurance (E&O): Protects professionals against claims of negligence, errors, or omissions in the services they provide.

  • Directors & Officers (D&O) Insurance: Protects executives and board members from lawsuits related to their management decisions.

  • Cyber Liability Insurance: Covers financial losses and legal expenses from data breaches, cyberattacks, or other cyber incidents.

  • Commercial Umbrella Insurance: Provides additional liability coverage above the limits of existing policies like General Liability or Auto Insurance.

  • Environmental Liability Insurance: Covers costs related to pollution cleanup and third-party claims arising from environmental damage.

  • Employment Practices Liability Insurance (EPLI): Protects against claims of workplace-related wrongful acts like discrimination, harassment, or wrongful termination.

  • Tenant’s Legal Liability Insurance: Covers damage a tenant causes to rented property due to negligence.

  • Liquor Liability Insurance: Protects businesses that serve alcohol from claims arising from alcohol-related incidents.

  • Product Liability Insurance: Covers claims of injury or damage caused by defective products manufactured or sold by your business.

  • Special Event Insurance: Provides liability and property coverage for events such as weddings, conferences, or festivals.

  • Excess Liability Insurance: Offers additional protection once primary policy limits are exhausted, similar to umbrella coverage.

Employee & Business Operations

  • Workers’ Compensation Insurance: Provides medical and wage replacement benefits to employees injured or ill due to work-related incidents.

  • Business Owner’s Policy (BOP): Bundles general liability, property insurance, and business interruption into one policy designed for small to mid-sized businesses.

  • Commercial Package Policy (CPP): Combines multiple coverages like property and liability into a single, customizable policy.

  • Crime Insurance: Covers financial losses from crimes such as theft, fraud, or embezzlement committed by employees or third parties.

  • Fidelity Bonds: Provide protection against employee dishonesty and theft of business assets.

  • Surety Bonds: Guarantee that a business will fulfill its contractual obligations or other commitments.

Transportation & Auto Coverage

  • Commercial Auto Insurance: Covers vehicles used for business purposes against liability, collision, and other risks.

  • Auto Dealers Open Lot Insurance: Protects auto dealerships against damage or loss to vehicles held for sale.

  • Garage Liability Insurance: Covers liabilities related to auto repair shops, dealerships, and parking garages.

Specialized Industries

  • Crop Insurance: Protects farmers against loss of crops due to natural disasters or decline in market prices.

  • Special Event Insurance: Provides liability and property coverage for events such as weddings, conferences, or festivals.

  • Liquor Liability Insurance: Protects businesses that serve alcohol from claims arising from alcohol-related incidents.

Services

Risk Identification & Assessment

  • Risk Assessment: Identify and evaluate risks unique to the client’s business operations and industry.

  • Vendor and Supply Chain Risk Management: Analyze contracts and coverage to address risks tied to key suppliers or partners.

  • Cybersecurity Risk Management: Recommend cyber liability insurance and preventive measures to address data breaches and cyber threats.

Policy Analysis & Customization

  • Coverage Analysis: Review existing insurance policies to ensure adequate protection and identify coverage gaps.

  • Customized Insurance Solutions: Recommend tailored coverage options to meet the client’s specific needs and risk tolerance.

  • Insurance Program Consolidation: Streamline multiple policies into a cohesive insurance program for simplicity and cost-efficiency.

  • Industry-Specific Expertise: Provide insights on emerging risks and trends relevant to the client’s sector.

  • Business Growth Support: Adjust insurance strategies to align with expansions, acquisitions, or new ventures.

  • Coverage Audit for Mergers and Acquisitions: Assess the insurance implications of business deals, including legacy liabilities.

Cost Management & Financial Planning

  • Cost-Benefit Analysis: Compare premiums, coverage limits, and deductibles across policies to optimize insurance spending.

  • Premium Financing Advice: Offer guidance on financing insurance premiums to improve cash flow management.

  • Insurance Cost Forecasting: Estimate future insurance costs to help with budgeting and financial planning.

  • Benchmarking: Provide data and insights to compare coverage, limits, and costs against industry standards.

Claims Management & Advocacy

  • Claims Advocacy: Assist with filing, managing, and negotiating insurance claims to ensure timely and fair resolutions.

  • Claims Trend Analysis: Track and analyze claim patterns to identify risk areas and recommend preventative actions.

  • Claims Process Education: Train clients in navigating the claims process and understanding timelines and documentation requirements.

Regulatory & Compliance Support

  • Compliance Guidance: Ensure insurance coverage meets industry-specific regulations and contractual obligations.

  • Contract Review: Analyze lease agreements, vendor contracts, and other documents for insurance requirements and risk implications.

  • Certificate of Insurance Management: Ensure accurate and timely issuance of certificates of insurance for contracts and stakeholders.

  • Worker Safety Program Development: Collaborate on workplace safety initiatives to lower workers’ compensation claims and premiums.

Renewals & Negotiations

  • Policy Renewal Management: Proactively manage policy renewals, ensuring continuity of coverage and identifying opportunities for cost savings.

  • Renewal Negotiation: Advocate on the client’s behalf to secure favorable terms during policy renewal negotiations.

Global & Specialized Risk Management

  • Global Risk Management: Advise on insurance solutions for international operations or cross-border business risks.

  • Market Analysis: Research and present the best carrier options for specific industries and coverage needs.