If you’re a business owner or in the accounting department of a firm, whether in real estate, construction or any other business venture you likely need to make insurance-related decisions. You want to make sure you implement the right blend of insurance coverage, risk management solutions, and claims mitigation strategies to protect your long term financial stability. You also want to make sure you are getting the most coverage for the least money – but if you are like many others, you may find commercial insurance confusing.
The most common concerns people have relate to two key areas:
- “Do I have the coverage that I need?”
You want to make sure that if the unexpected happens, your coverage will step in and prevent a catastrophic loss from devastating your business or investment.
- “Am I paying much more than I should be paying?”
A little knowledge can go a long way in making sure that you are not over-insuring your business. Higher premiums don’t necessarily mean better protection. You may be paying for overlapping coverage or coverage you don’t need. Perhaps your policies can be structured in a way that makes more sense and is more efficient. Maybe the insurer you are with is not the right fit for your operations and you would benefit from replacing your insurer with one that is cost-wise a better fit.
The purpose of this site is to simplify and demystify insurance to the extent it will prove useful in making better, informed decisions. The primary focus is on these two key areas, saving money and being covered properly. Concepts are presented in plain English without insurance jargon or complicated insurance concepts.
By being educated you will know the right questions to ask of your insurance broker and by being engaged in the process you will be empowered to determine your coverage needs appropriately.
All industries are addressed, including but not limited to: Real estate, construction, accounting, law, tech, retail, wholesale, education, transportation, food service, healthcare and auto services.
The information pertains to all types of commercial policies, including property, general liability, umbrella, workers comp, builders risk, commercial auto, cargo, EPLI, environmental, E&O, D&O, cyber, disability and bonds.
Additionally, we showcase some – industry-specific special programs that offer both – more comprehensive protection and lower premiums.
You can also review a selection of case files of actual clients that were helped and read what some of our clients have to say.
Choose the appropriate form from the menu and submit info online via our quote request forms to see what we can offer you.
The information provided here is not intended to be the sole basis in determining the appropriate coverage or course of action. Every situation has its unique circumstances and the details make all the difference in determining appropriate coverage. The importance of a relationship with an insurance broker who understands the details of your company cannot be over-stressed.
Feedback, questions or comments are welcome and can be submitted here.
Regards,
Editor,
Commercial Insurance Guide
