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Commercial Products & Solutions

Having the right insurance company behind you is like having a strong and dependable business partner. You want someone with financial power you can rely on, business insights based on years of similar experience and the flexibility to customize coverage to your particular risks and opportunities. But most of all, you need a firm who can provide all that while optimizing your budget.

Here are just some of the products and solutions we can provide to your business, separately or in combination. Talk with us about your needs and situation. We’re here to listen and help.

Worker’s Compensation

Worker’s Compensation

Your operations depend on your people, so you want to keep them healthy and safe. But sometimes, illness or injuries can occur, and you have to be prepared. That’s when the right Workers’ Compensation policy can make all the difference.

The right insurance can help you protect:
  • Yourself
  • Your employees
  • Your ongoing operations
The right plan can cover:
  • Medical care
  • Lost wages
  • Costs for retraining
  • Compensation for any permanent injuries
Worker’s Compensation
Business Owners
Business Owners

Business Owners

Your business owner’s policy combines property and liability coverage to help protect you against the impact of some major events that could otherwise devastate a business. This includes fire, property damage, suspended operations, and lawsuits from customers resulting from bodily, personal or advertising injury.

The right insurance can help you protect:
  • Your buildings and property
  • Your business income
  • Your business assets
The right plan can cover:
  • Damage or loss to your property
  • Your financial obligations in case of fire, flood or other such causes
  • Liability for customer injuries
Commercial Auto

Commercial Auto

If your business operates vehicles, you and your drivers constantly face the unpredictable dangers of the road. To keep things running smoothly, you need well-planned protection from damage caused by collisions and other forces, such as vandalism, theft, weather and environmental factors.

The right insurance can help you protect:
  • Your drivers
  • Your fleet
  • Your business income
The right plan can cover:
  • Bodily injury
  • Property damage
  • Collision damage
  • Comprehensive damage
Commercial Auto
Management and Professional Liability
Management and Professional Liability

Management and Professional Liability

No matter the size or type of business, you need to keep it protected from the risks that could do it harm. Losses, lawsuits and liability can take their toll, so you need to identify potential problem areas, anticipate issues and keep your organization secure.

The right insurance can help protect your organization, whether it is:
  • Private
  • Public
  • Non-profit
  • Professional services
The right plan can cover your business, whether it is:
  • Financial
  • Healthcare
  • Managed care
  • Community homeowners
General Liability and Property

General Liability and Property

Think about how many people come into contact with your business: customers, employees, contractors, suppliers and many more. If any one of them claims that your business caused them injury, you could be facing legal action and settlement costs. To protect yourself, you need coverage that protects your business and property from damages.

The right insurance can help you protect:
  • Your business assets
  • Your business property
  • Your reputation
  • Your personal property
The right plan can cover:
  • Injuries on your property
  • Injury or property damage caused by work activities
  • Injury or damage caused by your contractors
  • Legal claims and costs
  • Libel, slander, etc.
General Liability and Property
Umbrella
Umbrella

Umbrella

As much as your standard policies may help keep your business protected, there are situations where the extent of a loss or losses can exceed the limits of primary coverage. In those cases, you need commercial umbrella and excess liability solutions that provide the extra security needed to protect you from potentially catastrophic events.

The right insurance can help you protect:
  • Your business assets
  • Your property
  • Your operations
The right plan can cover:
  • Large lawsuits
  • Auto accidents
  • Product liability claims
  • Substantial losses
Cyber Liability

Cyber Liability

The world has gone digital, and so have its risks.  No matter how large or small your business may be, you are likely at risk for a cyber attack or data breach. Don’t leave your business at the mercy of a hacker, a virus, or the potential for lost or stolen data. Keep your business protected with coverage for cyber liability.

The right insurance can help you protect:
  • Your data
  • Your business income
  • Your reputation
The right plan can cover:
  • Liability due to website content
  • Liability attributed to IT systems
  • Disclosure of personal information
  • Security breaches
  • Ransomware and information extortion
Cyber Liability
Alternative Risk and Captive Solutions
Alternative Risk and Captive Solutions

Alternative Risk and Captive Solutions

These alternatives to traditional insurance provide a fundamentally different model. The key distinction with an Alternative Risk policy is that you share the cost of claims with the insurance company, which can reduce your insurance costs. With a captive solution, premiums are paid to a company that you own, which means profits can be returned to you.

Advantages of alternative risk and captive solutions:
  • Controlling risk
  • Minimizing insurance costs
  • Improving your company’s financial performance
  • Protecting assets
  • More predictable budgeting
Plans can be structured to cover:
  • Associations
  • Auto liability
  • Construction
  • Employee benefits
  • Enterprise risk management
  • General liability
  • Property coverage
  • Warranty
  • Workers compensation
Collateral Solutions

Collateral Solutions

Businesses that use loss-sensitive programs as part of their Worker’s Compensation, Commercial Auto or General Liability strategy understand these programs often demand complex and burdensome collateral requirements.  Our in-house commercial risk management experts are skilled in creating innovative custom solutions designed to provide an alternative to the traditional requirements, freeing up your cash flow for other purposes.

Collateral Solutions