In today’s ever-changing environment, risk is constant. Business insurance isn’t. We’ll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.
We know that you cannot outrun your risk, but you can be ready for it. What if a hurricane causes you to lose power to your building and your operations cease, or if a fire severely damages your building? You shouldn’t have to pay for this yourself, and with the right protection, you won’t have to. Our insurance advisors can help you identify gaps in coverage, look for ways to save money, and keep your assets and income protected.
Business Owners Insurance (BOP)
A business owners policy combines business property and business liability insurance into one convenient policy. We’ll work with you to design coverage that protects your business from a variety of risks, unique to you.
Business Auto Insurance
Whether you have one vehicle or a whole fleet, we can help you implement custom coverage that will protect your business and personal assets from the additional exposure that commercial vehicles bring with them.
Workers’ Compensation Insurance
Workers’ compensation insurance covers employees injured on the job or in auto accidents while on business. It also covers work-related illnesses. We’ll work with you to find a solution that creates a safer and more productive workplace.
Cyber Liability Insurance
Cyber liability insurance protects your business against the expenses associated with a data breach. We’ll help you evaluate the data liability risks your business faces and find you a policy that meets your specific needs.
Errors & Omissions Liability Insurance (E&O)
Errors & omissions liability insurance protects any business that gives advice, makes educated recommendations, designs solutions or represents the needs of others. We’ll design coverage that will ensure that one simple mistake does not cause financial devastation.
At least 25 percent of businesses that close after destructive events such as floods never reopen. We’ll design a policy that will protect your business, as well as its physical contents and assets, from the damage costs that come from floodwater.
Builders Risk Insurance
Did you know you can protect your properties even before they are finished being built? Builders risk insurance protects from risks like fire, theft and more.
Special Event Insurance
The stress and cost of organizing a special event is tough enough. The last thing you need to worry about is the financial risk you could face if something were to go wrong! Special event insurance removes this burden and allows you to focus on the event.
Ocean Marine Insurance
Ocean marine insurance is insurance used to protect cargo, vessels and other items while they are being transported across the ocean. We’ll work with you to design coverage that provides real protection when you’re in open waters.
Environmental concerns continue to be a leading societal and business risk issue, sometimes posing serious unexpected challenges. We’ll work with you to create a custom solution to help protect your business against environmental risks.
Key Man Life Insurance
Key man life insurance can keep your business afloat in the event of the death of any employee who is an integral asset to the company’s survival. We’ll work with you to design coverage that helps assure continuity of your business for employees, customers and creditors.
Fiduciary Liability Insurance
Fiduciary liability insurance protects individuals acting as ERISA fiduciaries against fiduciary-related claims of mismanagement of a company’s employee benefit plan. We’ll work with you to ensure that employee benefits are handled responsibly and your trustees are protected.
Each industry has its own set of unique risks and requires specialized insurance to protect what matters most. Our insurance advisors have in-depth knowledge and experience with a variety of industries, including those featured below.
Owning a brewery can present unique risks. Specialty brewery insurance combines elements of liquor liability insurance, property insurance and general business insurance to develop one, simpler policy.
Child Care Center Insurance
Parents trust child care centers with their children from the earliest days. As with any facility that caters to the care of young ones, there are special risks in addition to the ordinary risks of running a business. Our specialized insurance policies will keep you covered.
Condo Building Insurance
Condo building insurance can be complicated. Specialty condo insurance recognizes the many different risk types and provides clarity regarding which parties are responsible for covering which risks.
Crane and Rigging Insurance
If you own a crane and rigging business, you have increased risks due to the nature of your work. Crane and rigging insurance can protect both your business and your workers from the liabilities of your industry.
Your dental practice comes with a unique set of risks and exposures. From your practice’s equipment to your patients’ electronic records, the right insurance coverage can make it easier to protect the most important aspects of your practice. We will customize a dental insurance policy that will provide the kind of protection that will keep you smiling.
Owning a florist business exposes you to a unique set of risks. Whether you craft a simple corsage or an elaborate wedding, we can customize a plan for your business that will meet your specific needs and serve your business well.
Garage Repair Shop Insurance
Garage repair shops face high financial risks simply because of the nature of the business. A specialty insurance policy can protect your garage repair shop from potentially devastating financial losses.
Manufacturers come in all shapes, sizes and product lines. But no matter what type of manufacturing business you’re in, there’s one thing in common: the need to protect your business. We can help you design the right manufacturer’s insurance policy.
Medical Industry Service Providers Insurance
As a Medical Service Provider, your business is prone to certain risks that other industries are not prone to, and not all insurance policies are designed to cover those risks. We’ll help you get the coverage you need so you can focus on what matters most – your business.
Medical Office Insurance
Just as your patients need to maintain insurance coverage, so should you. Your medical office comes with a unique set of risks and a specialty medical office insurance policy can keep you protected against a loss.
Even though your organization’s goal is to help people, you are still running a business. That means your non-profit needs to protect itself against the risks that small business owners face. We’ll help you design a non-profit insurance policy that covers your organization’s unique needs.
Professional Services Insurance
When your business handles services that are very personal, it’s important to have the right insurance in place to protect your clients and your business. Professional services insurance is a great way to manage this.
Property Manager Insurance
If you manage residential or commercial properties, you face a diverse set of risks and potential losses. From liability issues to damage protection, we’ll help you navigate the world of property manager insurance and design coverage that’s a perfect fit.
Real Estate Investor Insurance
Real estate investment is an exciting, and sometimes risky, venture. There are unique liabilities and factors to consider when insuring your property. We’ll help manage those risks and keep your investment protected.
Retail Business Insurance
As a small business owner, you have a lot to think about. Customized retailer insurance coverage can help to take some of those worries off of your plate.
As an educational institution, your school faces unique risks and exposures. From private, profit and non-profit schools, to pre-school through post-secondary schools, we’ll help you develop a complete insurance and risk management program to keep your school protected.
Technology Firm Insurance
Technology firms face unique risks due to the nature of their work. Specific tech firm insurance can help to combat and prevent these risks.