What We Do

At SJP Financial Group, we use a customized approach to establish your commercial insurance and risk management needs. We follow a methodology that can better assess your risks and create a customized insurance program for you that will provide your business with optimal coverage.

Due to our comprehensive industry knowledge and a commitment to developing strong partnerships, we can help you access a broad array of commercial insurance solutions. We put customization at the heart of selecting your commercial insurance plans. We understand that:

  • Every client is unique.
  • Every need is individual.
  • Every plan is customized.

From start to finish, we are here to preserve your expectations.

We know that running your business demands a considerable amount of time, effort, and resources, and it deserves to be protected sufficiently. We can help provide a comprehensive analysis of your company, determine its insurance needs, offer competitively priced options, and provide you with a degree of protection that will align with your insurance requirements.

At SJP, we have the right resources that can help you obtain the services of top-rated insurance carriers while giving you a truly personalized insurance program.

Do you have the necessary business insurance to protect your people, your assets, and your future? Check out our list of insurance products and allow us to help you find the right coverage.

Accident Insurance for Participants/Volunteers

Insurance coverage that pays benefits for losses caused by accidental injury, accidental death, accidental dismemberment, accidental paralysis, and accidental medical and dental expenses.

Accident means a sudden, unforeseeable, unintentional or unexpected incident.

Business Auto Insurance

Is an auto policy that includes auto liability and auto physical damage coverage.

Business auto insurance provides coverage if you are using a vehicle for purposes that are related to your business.

Vehicles can include: owned vehicles, non-owned vehicles, and leased or rented vehicles.

Business Income/Business Interruption

Is commercial property insurance covering loss of income suffered by a business when damage to its premises, by a covered cause of loss, causes a slowdown or suspension of its operations. Coverage applies to loss suffered during the time required to repair or replace the damaged property.

A waiting period is usually built into the coverage form. (i.e., between 24 – 72 hours)

Commercial Property

An insurance policy for businesses that insures against damage to their buildings and contents due to a covered cause of loss, such as a fire.

A deductible is typically selected based on your property values and/or the amount you can afford, out of pocket, at the time of loss.

Cyber Liability

Provides protection for a data breach when a company’s personal identifiable information, such as social security, driver’s license or credit card numbers are exposed or stolen by hackers who gained access to your firm’s electronic network. Costs can include credit monitoring, cost associated with notifying customers affected by the breach, costs for recovering compromised data, costs for repairing computer systems, and more.

Directors and Officers

Provides protection for your organization’s directors and officers from personal financial loss that may result from allegations of wrongful acts or mismanagement.

Employment Practices Liability

EPL covers the cost of lawsuits brought against your company by employees. These can be current, former or prospective employees. The policy covers claims for wrongful termination, discrimination, sexual harassment, hiring/job issues, and more.

General Liability

Helps protect your business from claims that it caused, such as, bodily injury to someone else, property damage to another person’s belongings, and personal injury, like libel or slander.

Coverage can help pay for attorney fees, evidence and document gathering, judgments, settlements, and more.

Professional Liability

Protects you against lawsuits claiming your negligence in performing or failing to perform professional services.

Umbrella Insurance

This coverage provides an extra layer of liability protection by covering costs that go beyond your other liability coverage limits. In other words, commercial umbrella insurance complements your other liability coverages by taking over when your other liability coverage limits have been reached.

Workers Compensation

Nearly all employers are required to have workers compensation insurance to protect their employees. This insurance provides coverage for occupational injuries and some occupational diseases suffered by workers. Benefits can include lost wages, medical expenses, and temporary or permanent disability payments.

We are here for you! Reach out to us today for a free consultation and review of your insurance plan.