Back Your Business

Business is inherently risky. Minimizing that risk starts by insuring your business with policies that provide a comprehensive protection plan. Whether you own a local brewery or a medical clinic, you may need more coverage than you think.

Why Do I Need Business Insurance?

Strategically mitigate risk

Insurance is a vital component of any business's risk management strategy. The way you do business is continually evolving, which means you should be continually reassessing and changing your business's insurance plan, too. This is the best way to protect your business from unforeseen risk exposure.

Protect your business’s reputation

Allegations and claims of business-related negligence or wrongdoing can be detrimental to the reputation of your business and drag you through significant financial loss. Safeguarding your business with the right insurance policies helps you protect the reputation and legacy of your business.

Have an exit strategy

The unexpected loss of key employees can halt your business's regular operation, which results in lost productivity and revenue. At the same time, you have to rush to find someone to fill an essential role. Insurance can cover your losses and buy you time as you work to regain your business.

What Does It Cover?

General Business Coverage

Professional Coverage

Alternative Risk Coverage

Business Owner's Policy

A policy with small businesses in mind, business owner's policy covers broad protections for property and liability exposure for your business.

General Liability

Cover costs or respond to claims of property damage or bodily injury caused by your business with general liability insurance.

Commercial Umbrella

Commercial umbrella insurance is an added layer of liability protection that works in conjunction with other liability coverage. It's a good policy to have when your regular liability insurance can't cover an entire claim.

Commercial Property

If a water pipe bursts and damages valuable assets to your business, you need to be able to recoup your losses and get your business back on its feet. Purchasing commercial property insurance is critical to protecting your business property and everything within it.

Workers' Compensation

Workers' compensation insurance is a policy required by most states for any business to carry. It offers coverage for exposures arising from employees sustaining injuries.

Business Auto

If your business uses vehicles for regular business activities, you risk paying out of pocket for potential vehicle damages, injuries, and more without business auto insurance.

Professional Liability

Protect your business against claims of a mistake in your professional services, particularly professionals such as architects, physicians, computer consultants, and others who hold themselves experts in their field. Professional liability insurance helps cover legal fees and settlement costs against claims of negligent acts or financial loss to the client.

Directors and Officers

The directors and officers of any business are vulnerable to being personally sued for actual or alleged wrongful acts in managing a company. D&O liability insurance protects those individuals and the company if they face litigation and offers reimbursement for losses.

Employment Practices Liability

Employees may file lawsuits against employers if there has been a violation of rights as an employee of the company. EPL covers your business against claims such as wrongful termination, discrimination, sexual harassment, retaliation, and more.

Fiduciary Liability

Fiduciary liability insurance guards your business against claims of mismanaging an employee's benefit plans. If there is a claim against your company, this insurance will cover legal expenses and the financial losses the plan may have incurred.

Commercial Crime

Shield your business from suffering extreme loss due to business-related crimes such as employee dishonesty, theft, forgery, robbery, computer fraud, kidnapping, ransom, or extortion. Commercial crime insurance will meet the needs of your business should they face such crimes.

Cyber Liability

It's critical to protect yourself and your employees from cyberattacks and data breaches in a world run by technology. Cyber liability insurance responds to violations and offers you protection from the substantial impact of cyberattacks.

Builder’s Risk

Projects under construction are vulnerable to external threats like lightning, hail, theft, vandalism, and natural disasters. The builder's risk policy helps protect your projects from damage and covers lost sales, rental income, materials, supplies, or equipment.

Keyman Insurance

Keyman insurance safeguards a business from the costs of losing an essential person to that business, like founders or owners. This policy is significant for small businesses to consider as they may be more reliant on their business's key person to operate.

Buy-Sell Agreements

A buy-sell agreement is a legally binding contract between two business partners that stipulates the management of a partner's share of the business should they unexpectedly pass away, retire, or leave the company.

Group Benefit Plans

Companies or organizations purchase group benefit plans and then offer it to their employees or members. Group benefit members usually receive the plan at reduced costs because the insurer's risk is spread across a policyholder group.

Captive Insurance

Captive insurance is a form of corporate "self-insurance," where a business becomes its own insurance company. Insuring your business through captive insurance can lower insurance costs and provide more specific coverage to suit your business needs.

How Do I Get It?

  1. Set up a call with one of our independent insurance agents.

    2. Get in touch with our team and we'll set up a time to get on the phone with you to discuss your business needs.

  2. Assess your risk and discuss your business insurance needs.

    3. We analyze your business through a risk assessment process and develop a risk management strategy by choosing the right insurance policies for your needs.

  3. Determine coverage requirements and navigate carrier options.

    4. After developing a comprehensive policy plan, we scope out the best price available from our network of insurance carriers to deliver to you.

  4. Purchase your personalized business coverage plan.

    5. We write up the documents and handle all the details for you to purchase your insurance easily. Once your coverage is set, you can confidently carry on with your life knowing you've got the best coverage to protect you, your business, and your shareholders.

  5. Protect your business with a comprehensive risk mitigation strategy.

    6. Whenever an incident arises, we'll be there to help you assess your situation and file a claim fast so you can get back to business as usual.

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