WE UNDERSTAND YOUR BUSINESS

Your business is more than a job, it's your life. You need flexible, tailored insurance coverage that address specific exposures and goals.  Drawing on long experience, a local presence, a comprehensive portfolio of products and services, and the commitment of our people, we can help you manage the risks of day-to-day commerce.

THE PROFESSIONAL INSURANCE REVIEW

Today's Business Owner needs flexible, tailored insurance coverage that addresses specific exposures and goals. Satisfying this need is not just a matter of calling an 800 number or getting a quote on a Web site.

We understand the unique issues Business Owners face.  Drawing on long experience, a local presence, a comprehensive portfolio of products and the commitment of our people, we can help you manage the risks of day-to-day commerce.  And we can help you recover from misfortune and keep your business intact until the day you decide to sell it or pass it on to the next generation.

PROTECTION YOU NEED

Our policies contain valuable coverage and features tailored to your business operation needs.

Property

• Buildings, permanently installed equipment and outdoor fixtures
• Business personal property, including computer systems and electronic media
• Debris removal
• Outdoor property, including signs
• Newly acquired property
• Property in transit or temporarily off premises
• Accounts receivable
• Forgery or alterations
• Valuable papers or records, including electronic or magnetic media
• Money and securities, on or off premises
• Employee dishonesty
• Peak-season coverage

Liability

• Premises and Operations
• Products/completed operations
• Personal injury
• Advertising injury
• Fire legal liability
• Medical expense
• Hired and Non-owned auto

Loss of Income Protection

• Up to 12 months of business income
• Paid extra expenses needed to resume normal business operations

Protecting You

You are your business's primary asset.  You may want to make sure your family members can pay bills and maintain their lifestyles should you fall ill or become injured:

• Disability Income
• Life Insurance
• Retirement Funding

COVERAGE YOU NEED

Successful businesses are able to weather constant change.  As your business develops, it's important to make sure your coverage's match the structure of your business.  Depending on your exact business needs, you may want to include special optional coverage's in your policy to address your specific concerns:

• Off premises power failure
• Equipment breakdown
• Employee benefits liability
• Glass coverage
• Employee dishonesty in higher limits
• Outdoor signs in higher limits
• Accounts receivable in higher limits
• Valuable papers and records in higher limits
• Earthquake
• Spoilage coverage
• Worker's Compensation
• Health Benefits

EASY TO DO BUSINESS WITH

We know that every business is unique and every situation is different.  That's why we provide many special features to make your business run smoothly:

• Payment Plans that enable you to spread your premium payments to free up capital
• Electronic Funds Transfer with any billing plan
• Premium Discounts that lower your payments with credits for qualified security systems
• Professional Insurance Reviews conducted to help you make sure your coverage's match the structure of your business today.

QUICK CLAIMS PROCESSING

How well do you know the risks you face?   If you do suffer a loss or file a claim,  claim adjusters stand ready to provide the responsiveness, hassle-free services that makes a difference in your time of need.