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 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.

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!

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.

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.

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.

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.

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.

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.

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