Product Selection

 

All The Protection Your Business Needs In One Friendly Place

We have an extensive array of products and carriers to choose from and know how to match them with your specific needs. Give us a call and let us guide you through the options today!

Business Insurance Products

General Liability

General Liability protects you and your business if you cause bodily injury or property damage to someone else. Many times this coverage is included in a “Business Owner’s” policy. This packages other needed protection in one policy.  It can also be purchased on a stand-alone basis.  Let us help you decide what makes the most sense for your business.

Workers’ Compensation

Workers’ compensation protects employees of a company should they be hurt in an on-the-job injury. This coverage is highly regulated at the state level and is legally required based on the number of employees a company has.  We know the laws and how to protect you and your employees.

Commercial Auto

Have a single company car? A fleet of trucks?  We can make sure they are properly insured from both a property damage and liability perspective.  We will keep you rolling!

Professional Liability

Also known as E & O or malpractice insurance, those giving professional advice and guidance need this coverage.  Don’t assume because you “have a policy” that you have what you need.  Let us review your coverage and clearly explain what you have!

Data Breach/Cyber Liability

Do you use a computer in your business? If you weren’t able to use it for a month would it hurt your business? The bad guys don’t care about your business. We do.  Let us make sure you are protected from this very real threat.

Flood

Most businesses don’t carry flood insurance since they aren’t located in a flood plain.  Making this decision based on that criterion is a bad mistake.  Did you know that if a broken fire hydrant flooded your building it wouldn’t be covered unless you had flood coverage?  It’s not as expensive as you might think and could save your business.  Let us help you decide if flood insurance is a wise investment for your business.

Umbrella

An umbrella policy provides an inexpensive “extra” layer of liability coverage over underlying liability coverages such as general liability, workers’ compensation and hired/non-owned auto liability.  Think about the old “belt and suspenders” analogy.   If you truly value your business, having an umbrella policy is a wise decision.

 

Employee Benefits Products

Health Insurance

Should you offer group health insurance?   And if you don’t, what will your valuable employees do? How expensive is it?  And what about the most recent legislative changes that are being batted around? Let us bring clarity to a murky area.

Dental and Vision Insurance

These are two of the most appreciated benefits available, yet many employers don’t offer them.  They can be offered on an employer paid or voluntary basis, meaning the employer pays nothing.

FSA/HRA/HSA Accounts

A confusing alphabet of ways to reduce healthcare costs! Let us guide you through these and make the right decision for your business and your employees.

Life Insurance

Many employers choose to provide their employees a life insurance policy, with the employee having the ability to purchase more coverage at their expense. We’ll put together a program that works for you and your employees.

Short Term and Long Term Disability

How long could your employees make it financially without a paycheck?  This line of coverage insures what pays their bills.

 

Individual Life & Disability Products

Life Insurance

There are many purposes for having life insurance.  Providing for your family in the event of your death, financing the purchase of a partner’s death in a buy/sell agreement and supplementing retirement are all valid uses of life insurance.  Let us help you sort out what is best for your particular situation.

Short Term and Long Term Disability

How long could you make it financially without a paycheck?  This line of coverage insures what pays your bills – the paycheck!

Business Overhead Expense

If you, as an owner, or another key employee were to become disabled, would your company’s revenue drop? Business overhead disability insurance will pay for much of your company’s expenses during that time. That can make a difference in your company’s survival. Let us help you decide if this makes sense.

Equipment Maintenance Contracts

Equipment Maintenance Contracts

Do you have equipment maintenance contracts?   They are very profitable for the vendor and very expensive for you. There is a better way.  Maintain control over who works on your equipment and save from 15% – 25%.  Call us for details ! 

 

Have a question? Want to see some numbers or have us call you?

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Verse Of The Day

“For the LORD gives wisdom; from his mouth come knowledge and understanding..."

                                                                Proverbs 2:6  ESV

 

The Covenant Group
South Carolina (803) 771-8771
North Carolina (828) 464-0850
Toll Free Fax (888) 371-7893

 

For questions or quotes please give us a call. Or you can send us a detailed message from our "Contact Us" page.