What We Do

As an intermediary between the insured and the insurance carrier, we bridge the gap in coverage discussions—translating technical policy language into clear understanding and ensuring our clients are positioned to make informed choices.

Because the value of insurance isn’t always immediately visible, we prioritize accessibility, flexibility, and open communication. Through ongoing education and intentional guidance, we help clients understand their coverage, evaluate their options, and select solutions aligned with their needs.

With extensive industry knowledge and a people-first approach, we explore available markets and solutions to identify coverage tailored to each client’s unique risk profile. Every organization is different, which is why our process is centered on thorough analysis and customization—never assumptions or shortcuts.

From the start of our partnership, we remain closely engaged. We begin with a complete risk review and continue with strategic placement, attentive service, and proactive involvement throughout the life of the policy. Our focus is on protecting your people, assets, and future—while providing steady direction you can rely on.

Protecting your people, assets, and future starts with understanding your options. Below is an overview of the business insurance solutions we help clients navigate, with guidance focused on what fits—not just what’s available.

Accident Insurance for Participants/Volunteers

This insurance provides coverage for benefits related to accidental injury, death, dismemberment, paralysis, and medical and dental expenses resulting from accidents. An accident is defined as a sudden, unforeseeable, and unexpected event that occurs unintentionally.

Business Auto Insurance

Business auto insurance offers protection when a vehicle is used for business-related activities. This policy encompasses auto liability and physical damage coverage. The types of vehicles covered include owned autos, non-owned autos, and hired autos, which can be rented, leased, or borrowed.

Business Income/Business Interruption

This insurance covers the loss of income a business incurs due to damage to its premises from a covered cause, resulting in a slowdown or suspension of operations. The coverage extends to the period needed to repair or replace the damaged property.

Commercial Property

This insurance policy is specifically designed for property owners, offering protection against damage to both their buildings and the contents within, due to various covered causes of loss, such as fires, natural disasters, theft, or vandalism. It ensures that in the event of such incidents, the financial burden of repairs or replacements is significantly mitigated.

Cyber Liability

Offers coverage for data breaches involving the exposure or theft of personal identifiable information, such as social security numbers, driver’s licenses, or credit card details, due to unauthorized access to your firm’s electronic network by hackers. This includes expenses for credit monitoring, notification to affected customers, data recovery, repairing computer systems, and other related costs.

Directors and Officers

Delivers comprehensive protection for the directors and officers of your organization, shielding them from potential personal financial liabilities that could result from allegations of wrongful acts, mismanagement, or negligence in their professional capacities.

Employment Practices Liability

EPL insurance covers the expenses of legal actions initiated against your company by employees, whether they are current, former, or prospective. This policy comprehensively addresses claims related to wrongful termination, discrimination, sexual harassment, and various employment-related issues, providing a shield against the financial repercussions of such litigations.

General Liability

This coverage is essential in safeguarding your business against claims of causing harm, including bodily injuries to others, damage to another person’s property, and personal injuries like libel or slander. It offers comprehensive support by covering attorney fees, costs associated with evidence and document collection, any judgments or settlements, and other related legal expenses, thereby providing a financial shield against potential liabilities.

Professional Liability

This insurance offers defense against legal claims alleging negligence in the execution or failure to perform your professional services, providing essential protection from potentially damaging lawsuits.

Umbrella Insurance

This coverage acts as an additional layer of liability protection, covering expenses that exceed the limits of your other liability policies. Essentially, commercial umbrella insurance enhances your existing liability coverages, stepping in when the limits of your primary liability policies are exhausted.

Workers Compensation

Workers’ compensation insurance is a mandatory requirement for almost all employers, serving as a critical protection for their workforce. This insurance offers comprehensive coverage for occupational injuries and certain work-related illnesses encountered by employees. The benefits of this insurance extend to covering lost wages, medical expenses, and payments for temporary or permanent disabilities, ensuring substantial support for employees during their recovery and rehabilitation.