Commercial Insurance
Just Say the Word, We Can Do it all!
A Step-By-Step Roadmap To Success
One-Stop Insurance
We give you the ability to choose policies and products from more than 80 of the nation’s top carriers. We’re your lifelong advisor and advocate, providing every client with custom-made policies tailored to your exact needs. Let us change how you feel about Insurance.
Business Insurance
Get a specialized package to cover what you've worked for.
Group Insurance Benefits
Get the most cost effective and benefit rich coverage.
General Liability Insurance
The foundation of small business liability protection.
Workers Compensation Insurance
Protect your business from employee injuries & illnesses.
Business Property Insurance
Get this coverage and protect your business and its contents.
Professional Liability Insurance
Liability protection for advice and services.
Commercial Trucking Insurance
No matter what, we have truck insurance solutions for you.
Commercial Umbrella Insurance
Protect your assets with an added layer of coverage.
Business Interruption Insurance
Cover your lost income if you have to stop doing business.
Cyber Liability Insurance
If your business is online, you 100% need cyber protection.
Commercial Auto Insurance
If you use vehicles for your business get a quote now.
Contractors Insurance
Don't underestimate your risk, protect your business now.
Builders Risk Insurance
Cover your construction site and materials.
EPLI Insurance
Protect your business from employee lawsuits.
Farm & Crop Insurance
Get a comprehensive needs analysis to cover it all.
Restaurant Insurance
Protect your restaurant with a package or go a' la carte.
Fitness & Gym Insurance
From fitness instructors to gym owners, we've got you covered.
Garage Insurance
This one can get confusing, but don't worry, we can guide you.
Church Insurance
Protect your house of worship with a wide range of options.
Cargo Insurance
The risk to goods in transit continues to rise, get covered.
Bonds
Need a Surety Bond? How about a Lost Title? We can do them all.
Golf Course & Country Club Management
Golf courses are wide open to large claims, let us protect it.
Directors & Officers Insurance
Protect yourself and your family from personal losses.
Financial Services & Management
We offer a full suite of financial services beyond insurance.
Company Strengths at a glance
Our Strong Points
With over 50 years of experience and relationships with over 80 of the leading insurance carriers, we provide you with the most complete and transparent coverage options at the lowest rates. Our incredible customer service and low rates makes us the number one independent insurance agency. Let us change how you feel about insurance.
Meet Our Carriers
The Power of Choice
With over 50 years of experience in the insurance industry, we’ve built in-depth
relationships with over 80 of the world’s top carriers. Our partnerships with these
carriers gives us the ability to find you the best coverage for the best price..
We Have Great Answers
Ask Us Anything
An extremely small business, such as a business operated by one or two people out of a home, may not need workers compensation insurance, but it often needs more property and liability insurance than is provided in a typical homeowners policy.
If your business has employees then you are exposed for a loss related to employee practices. This isn’t just sexual harassment, it also includes unfair hiring/ firing practices, discrimination as well as unsafe work environment.
Losses from a 3rd Party are also included.
Did you know that If someone enters your business and harms your employee you can be sued by your employee? This is not covered under your general liability insurance.
Almost every business based in the US that has employees is required to have WC insurance. WC rates are based on employee classification (with regards to the type of work they perform). The premium rate itself is expressed in dollars and cents for every $100 of payroll to each class code.
General liability protects you against claims for bodily injury and property damage, such as someone tripping over a cord in the office and falling. Professional liability is insurance that protects you and your staff against negligence claims relating to your delivery of professional services; for example, offering what someone perceived as bad advice.
You may need one or more of the following, depending on the type of business:
Property Insurance
Liability Insurance
Business Vehicle Insurance
Workers Compensation Insurance
Errors and Omissions Insurance (E&O)/Professional Liability Insurance
Employment Practices Liability Insurance (EPLI)
Directors and Officers Liability Insurance (D&O)
Business Identity Theft Insurance
For most small businesses, loss ratio has the most obvious effect on workers compensation insurance premiums. However, over time a business’ loss ratio for liability and property insurance claims can impact premiums as well.
The higher your loss ratio, the higher your insurance premiums are going to be. Understanding concepts such as these will help you lower business insurance premiums for your organization.
Always consult your agent before you submit a claim.
Hired and non-owned auto liability insurance is a coverage found most often on business auto policies or the business owner policies (BOP). The coverage provides protection for the business in the event an employee gets into an at-fault auto accident while driving their own personal vehicle or any other vehicle not owned as well as a rented vehicle over the course of their work day.
A business owners policy, or BOP, is a package of coverages, including general liability, that have been grouped together to provide, at minimum, coverage for the basic common losses faced by a business.
Not every business has access to a business owners policy because of the unique exposures that business might have. It’s important talk to a independent insurance agent about whether or not a business owners policy is a good fit for your business.
