Product Offerings

Auto

Most businesses rely on cars, trucks or vans to operate. Whether you use your own personal vehicle for sales visits, transfer goods via a fleet of trucks or provide transportation to clients with company-owned shuttles, you must mitigate the risks associated with commercial auto insurance. Types of Commercial Auto Coverage Similar to personal auto insurance, […]

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Bonds

There is no greater statement about the reliability and integrity of your company than being properly bonded. Surety bonding tells your customers and clients that you deliver on your promises, and knowing that their best interests are protected is an incentive for them to form a long-standing relationship with your business. There are different types […]

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Commercial Property

Damage to your business’s property can have a snowball effect. What if you have to close your office due to flood damage? What if a robbery left you without the equipment you need to run your business? What if your inventory was lost in a fire? In addition to the cost of equipment replacement and […]

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Consulting Services

Any insurance agency can provide you with quotes, policy audits and rate comparisons. However, the services that we offer at go beyond those offered by most agencies. When it comes to workers’ compensation, cost control is both an art and a science, and most businesses need more support from their insurance agency than they generally […]

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General Liability

As a business owner, you could easily find yourself the target of a liability claim that could bankrupt your business. Something as minor as a slip and fall on your company’s property could leave you responsible for medical bills, compensation for pain and suffering, and reimbursement for lost wages. Workers’ compensation insurance protects you when […]

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Inland Marine

Commercial property insurance is important, but in some circumstances, it can fall short. In these situations, you will need inland marine insurance to pick up where your commercial property coverage leaves off. Why Is It Called Inland Marine Insurance? Many years ago, ships were the main mode of transportation for valuable goods. When cars became […]

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Mod Analysis

The cost of workers’ compensation insurance is calculated based on several factors. The most important component is the experience modification factor (mod). is dedicated to helping you reduce workers’ compensation costs by providing a mod analysis and developing improvement strategies that yield tangible, cost-effective results. How Is a Mod Calculated? Mod factor calculations are complicated. […]

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Professional Liability / E&O / D&O / EPLI

While we specialize in workers’ compensation insurance, realizes that your business needs far more protection than that. General and excess liability coverage is a start, but even that can fall short when it comes to safeguarding your business. For example, basic liability insurance will not protect you against wrongful termination or discrimination claims. Likewise, if […]

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Umbrella/Excess Liability

Your general liability coverage is an integral part of protecting your finances. However, general liability coverage isn’t always enough. Claims and lawsuits can oftentimes surpass the monetary limits of your liability protection, leaving you responsible for additional costs. When your liability coverage maxes out, commercial umbrella/excess liabilityinsurance kicks in. Why Do I Need More Liability […]

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Workers’ Comp

Workers’ compensation insurance is commonly associated with the protection of employees. After all, anyone who has been injured on the job knows that workers’ compensation coverage provided them with the help they needed when they needed it the most. The benefits of workers’ compensation coverage are appreciated by workers across the United States. However, what […]

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