EVERY BUSINESS IS UNIQUE

As a locally owned independent insurance agency, we understand the challenges that come with being a small business owner. We know firsthand the hard work, dedication, and commitment that goes into building and running a successful business. We also recognize that every business is unique, and we work closely with our clients to develop customized insurance solutions that meet their specific needs. Our team of experienced insurance professionals is dedicated to providing exceptional customer service and support every step of the way.

If you’re interested in learning more about our business insurance policies or would like to request a quote, please contact us today. We look forward to working with you!

WHAT TYPE OF POLICIES DO YOU OFFER?

We specialize in providing comprehensive coverage to small and large businesses alike. We understand the unique challenges and risks that come with running a business, and we are here to help you protect your investments. We offer a wide range of business insurance policies to meet your specific needs. Some of our most popular policies include:

• General liability insurance: This policy covers your business in the event of property damage, bodily injury, or other liabilities that may arise during normal business operations.
• Property insurance: This policy provides coverage for your business property, including buildings, equipment, and inventory, against damages caused by fire, theft, vandalism, and other perils.
• Workers’ compensation insurance: This policy provides financial protection for your employees in the event of work-related injuries or illnesses. It also protects your business from costly lawsuits and legal fees.
• Professional liability insurance: This policy provides coverage for your business in the event of errors or omissions by your staff that may result in financial losses to your clients.

As your trusted insurance partner, we are committed to supporting business owners in their mission to build strong and sustainable businesses. We provide access to top-rated insurance products, cutting-edge technology, and expert industry insights. Our goal is to help your business thrive and grow, so you can continue to serve your clients. If you’re interested in learning more about our business insurance policies or would like to request a quote, please contact us today. We look forward to working with you!

WHAT IS THE DIFFERENCE BETWEEN A PACKAGE POLICY AND BUSINESSOWNERS POLICY (BOP)?

A commercial insurance package policy and a business owners policy (BOP) are both designed to provide insurance coverage for businesses, but they differ in their scope and the types of coverage they offer.

A commercial insurance package policy is a customized policy that combines several different types of insurance coverages to create a tailored insurance package for a business. This can include coverages such as general liability, property, professional liability, commercial auto, and workers’ compensation.

On the other hand, a business owners policy (BOP) is a type of insurance policy specifically designed for small to medium-sized businesses. It typically includes several standard coverages such as property insurance, liability insurance, business interruption insurance, and sometimes crime insurance.

The main difference between the two is that, while a commercial insurance package policy can be customized to meet the specific needs of individual businesses, a BOP is a pre-packaged policy that offers standard coverages that are often suitable for many types of businesses. Additionally, a commercial insurance package policy is typically designed for larger businesses with more complex insurance needs, while a BOP is often more appropriate for smaller businesses with less extensive insurance needs.

If you’re interested in learning more about our business insurance policies or would like to request a quote, please contact us today. We look forward to working with you!

HOW CAN I KEEP PREMIUMS DOWN?

We understand the importance of finding a policy that fits your needs without breaking the bank. Here are some tips to help you save on your business insurance premiums:

1. It’s wise to shop around for policies since prices can vary from company to company. You can get several quotes from insurance companies or brokers that specialize in your type of business, which will help you compare prices and obtain a better understanding of the services they offer. Be sure to choose a company that is financially stable and has good ratings.
2. Choosing a higher deductible can help you save on your policy but be careful not to choose an amount that will be difficult for you to pay in case of a loss.
3. Purchasing a package policy, such as a Businessowners Policy, rather than individual coverages is another way to save money.
4. Work closely with your agent to help them gain a full understanding of your business and finances, so they can find competitively priced policies that meet your needs.
5. Ask your insurer about specific actions you can take to prevent losses, which may help you lower your premium for certain coverages. There are steps you can take to reduce the possibility that your employees might file a lawsuit against you for discrimination or sexual harassment. Additionally, following workplace safety guidelines and installing devices that reduce losses can help save you money.
6. Finally, avoid losses. Insurance companies look at loss histories when determining premiums. Customers with better claim histories will typically have lower costs, while those with a higher number of losses will see higher premiums. In some cases, a poor loss history may prevent you from obtaining insurance from a private insurance company.

We hope these tips help you save on your business insurance premiums. If you have any questions, please don’t hesitate to contact us.