You’ve taken a risk, followed a dream, and created your own business success.  Your commercial insurance protection should be tailored to meet your unique needs.  We would love to meet with you in person, over the phone, or digitally to learn all about the subtilties of your business.  Over the years, we’ve been able to provide appropriate coverage for our clients that not only protects them and their business but fits the needs of their budgets.  We’d love to hear your story!

Commercial auto insurance has been a hot topic in recent years.  Due to the cost of increased repairs, distracted driving, and shortage of good commercial drivers the insurance industry has seen an increase in claims and their costs.  The good news is that we work with multiple companies and can help you find a cost-effective solution that meets your coverage needs.  We’re happy to listen to your concerns and share some of our risk management knowledge to help you communicate with your drivers and keep them safe.

We’re in a new era of claims arising out of our dependency on the internet and digital communication.  This is an important and often overlooked coverage which affects small and large businesses.  Cyber Liability coverage can cover you for 1st party costs such as the costs to determine which customers are affected, costs to notify the customer, and costs to monitor their credit.  It also covers 3rd party losses like costs to another business if you inadvertently send a virus which shuts down their system, or the use of personal information at the expense of your customers.  Let’s have a conversation about this important coverage and how your business might be at risk.

Every business, no matter how large or small, needs Employment Practices Liability coverage.  This coverage protects your company from allegations and claims brought from your current or former employees.  Examples of these claims are wrongful hiring practices, wrongful termination, discrimination of any protected class (age,race, gender, sexual orientation, etc) and claims of sexual harassment.  Think a claim like this can’t happen to your business?  We’d love to share some reallife claims examples with you.

Also known as Errors & Omissions insurance, Professional Liability insurance coverage protects you andyour business from claims arising out of your professional expertise, knowledge, and advise.  These claims allege a financial loss to a 3rd party and are different from bodily injury or property damage claims that would be covered by a commercial general liability policy.  We’re happy to hear more about your profession and how we might best address your concerns.

Directors & Officers Liability Insurance is a beneficial coverage for both private companies and nonprofit organizations.  Similar to Errors & Omissions liability insurance, D&O liability protects directors & officers from lawsuits filed by shareholders, regulators, state investigators, or other 3rd parties where the injured party is seeking damages for a financial loss.  If you serve on a board this is important coverage for you.

Are you serving on a non profit board?  The work that your organization does is critical to the health of our community, and protecting your outreach is important to us.  Every nonprofit organization is different.  We can help you identify your insurance needs and create a package that meets your organization’s need and budget.  We’d love to hear about the good work you are doing in our community!