Business Insurance
Merge insurance policies -- Consolidating auto, property, and liability insurance under one policy can provide “package” credits.
Automobile Program -- Make sure all your commercial vehicles are “classified” correctly. For example, having a pick-up classified as a commercial delivery truck can increase costs. Consider self insuring physical damage coverage on certain vehicles.
Workers’ Compensation -- If you have had large losses, it could be beneficial to have a third party medical bill review completed.
Increase Deductibles -- Consider increasing your property deductible to $5,000 or even $10,000. Also, think about increasing auto deductibles on older vehicles. If your losses are low, over time you might save enough in premiums to pay for future losses.
Have us complete an audit of your entire program -- We can evaluate exposures your company has, and discover what options would be best for your individual needs. We can become a second set of eyes to uncover exposures not currently addressed.
Enhance Your Policy With Some of These Options:
- Employment Practices Liability can cover your business if discrimination, sexual harassment or wrongful termination claims are made by present, former or future employees.
- Life Insurance for Business Owners can help you plan for business succession, survive the loss of a key employee or partner and retain/reward your top people.
- Umbrella can shield your business from potentially ruinous lawsuits with additional liability coverage.
- Transportation and Cargo to cover against goods that are damaged or lost when transported by one of your vehicles or common contract carriers.
- Spoilage for perishable goods when they spoil due to a mechanical breakdown or power outage.
- Delivery/Catering Non-Owned Auto if an employee is involved in an auto accident while driving a personal automobile on company business, such as in a delivery or catering service.