Business Insurance

How do you get business insurance that matches your needs?

As with many things in life, there is a right way to go about buying insurance and a less efficient way. Most business owners approach the purchase insurance as a necessary evil and treat insurance policies as a commodity. So they pit a handful of insurance brokers against each other, and buy the policy with the lowest premium.

What is often left out of these conversations is that lowest price doesn necessarily mean best value. Purchasing the right kinds of coverage (and in the correct amount) is one of the most important and influential decisions you can make for your business. We point out to business owners that insurance is there to cover losses that would be catastrophic to your business. This means that having the right policy in place might be the difference between stating in business and having to close up shop. Usually, if your search for insurance is focused on the lowest premium, there are a number of conversations you’re probably not going to have with your broker, such as what exactly does this policy cover, what are the exclusions that I should know about, what are some optional coverage options that make sense based on the industry that I’m in, and so on.

With those concerns in mind, we have developed many different options and programs to meet the needs of our commercial insurance clients. The answers to these questions will depend in part on the nature of your operations and in part on how proactive you want to be when it comes to handling risk.

What have we done for other business owners?

What all this boils down to is an approach that combines educational information with the right products. Your company’s protection and success are what matters most and we understand that. Our processis not about “buying a policy”, it’s about understanding the risks that are specific to your company and industry and putting the right safeguards in place to reduce your exposure. Some of these risks are insurable and we will put the right policies in place. Some of these risks will NOT be insurable, and we will be equally involved in helping you put together a plan to address them.

All this talk about value might make you think we do not understand that coverage must be priced competitively. Nothing could be further from the truth. We are looking to successfully navigate what is usually a trade-off between price and coverage, to get to the point where you get maximum value. Our job is to make sure that you’re not being penny-wise and pound-foolish. We have often seen what happens when a cheap policy doesn’t provide vital coverage that the company needed, and as a result the business has to pay tens of thousands of dollars out of pocket because at policy purchase everyone was focused on saving a few hundred. So instead of fishing for the cheapest price, we will first determine what the adequate coverage is, and then try to find that coverage at the most competitive pricing.

We design individual packages depending on our clients’ property, liability, and casualty needs. These packages include strategies for both insurable and non-insurable risks.

Once you have purchased a policy, we do not stop and move on to the next prospective client. We are proactive in identifying any factors that may increase your premiums, trigger an audit, or change your risk. To handle these factors and help you have a good handle on them, we provide risk management and business advisory services to protect your business.

Whether you are a retailer, wholesaler, contractor, or electrician, we can tailor a package to meet your specific needs and requirements. So give us a call today or fill out one of our free online quote forms.

Commercial Package policy vs. Business Owners Policy (BOP)

Think of a Commercial Package Policy as a stereo system where you buy each component individually. So you would buy the receiver, speakers, remote, and every other part and accessory separate from each other.

In contrast, a BOP policy is much like a stereo-in-a-box. All of the pieces you need come pre-packaged.

Business Insurance Products

  • Business Owners Packages (BOP)
  • Commercial Auto
  • Business Personal Property
  • Business Umbrella Policies
  • Church Insurance
  • Restaurants
  • Errors and Omissions
  • Equipment Floater
  • Risk Management
  • General Liability
  • Contractors
  • Retail Stores
  • Plumbers
  • Professional Offices
  • Property Managers & Owners
  • Electricians
  • Workers Compensation
  • Commercial Building Property
  • Apartment Owners
  • Self Storage
  • Condominium Owners
  • Store & Lock Centers
  • Retail Stores
  • EPLI – Employment Practices Liability Insurance
  • Professional Liability Insurance
  • Directors & Officers
  • Landscapers
  • Cyber Liability
  • Pollution Liability
  • Painters
  • Liquor Liability
  • Medical Professional
  • Service & Repair Insurance
  • General Repair Shops
  • Garage Keepers
  • Auto Body Shops
  • Crime
  • Inland Marine
  • Builders Risk

How to get started with your Business Insurance Comparison

No two businesses are the same, so it’s important to speak to a qualified Business Insurance professional like us, who can sift through your various options. The last thing you want is some cookie-cutter policy that’s riddled with exclusions and limitations.

To get started, call our office or click over to our Quotes page to get started.

Either way, we’ll make the process easy!

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