Top 10 Considerations Business Insurance

/Top 10 Considerations Business Insurance
Top 10 Considerations Business Insurance2018-10-18T14:21:41+00:00

Is Your Business Fully Protected?

Our Knowledge is Your Best Insurance™

Business Insurance is about protecting your company’s financial future and the well being of your employees. We have worked with many business owners over the years and we strive to make this process fast, easy, and effective. We use a collaborative approach and make sure to design a cost competitive protection program that fits your commercial insurance needs.  In other words, we will make sure you are fully protected, while keeping premiums as low as possible.

How do we do it?

We deliver comprehensive insurance solutions with an emphasis on personal care and making sure we understand your needs. A combination of our extensive independent experience with the strength of a national network, allows us to provide effective, high quality products and services.

We consider our clients not just business associates, but a circle of friends and family that continues to grow as they often recommend us to their friends, colleagues and family members. We attribute this growth and success to our commitment to personally address each client’s needs individually and our genuine enthusiasm in delivering client satisfaction.

Our “top ten” list of important issues to consider in determining the right coverage for any business.

#1 Policy Design

Insuring the Building and/or Business Personal Property to value; understand the operation of the coinsurance clause (where applicable) and application of the deductible.

#2 Deductibles

Purchase deductibles as high as you can comfortably assume and not just for the purpose of saving premium dollars.

#3 Loss of Use

Purchase deductibles as high as you can comfortably assume and not just for the purpose of saving premium dollars.

#4 D&O, EPLI

Do you fully understand the need for “Management Protection” insurance: such as Directors & Officers and/or Employment Practices Liability coverage? All businesses should strongly consider coverage in their BOP.

#5 Umbrella Liability

Umbrella Liability coverage is extremely important where sizable assets should be protected.

#6 EQSL

Understand the importance of Earthquake Sprinkler Leakage coverage and the purchase of it when available. (Different from Earthquake coverage.)

#7 Workers’ Compensation

Are you properly managing your Workers’ Compensation loss exposures and claims on an ongoing basis?

#8 IT & Technology

Are you aware of the threat to digital assets (including Cyber Extortion and Cyber Terrorism) and the availability of Cyber Security Liability insurance?

#9 Non-owned Auto

Are you aware of the threat to digital assets (including Cyber Extortion and Cyber Terrorism) and the availability of Cyber Security Liability insurance?

#10 Liability

Did you know that Commercial General Liability policy does not provide coverage for professional liability and/or intellectual property hazards?

LEARN MORE ABOUT THE TYPES OF BUSINESS LINE COVERAGE WE OFFER

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