WHAT WE OFFER
With 35 years of experience serving the insurance industry, we have the knowledge and relationships your business needs.
Being specialized gives us the ability to hunt for the best carriers, with the most aggressive rates, in a niche market. In fact, it is not uncommon for us to cut rates by up to 30% with equal or better coverage.
WORKERS COMPENSATION
Are you a Sole Proprietor paying $1,500 a year just to have a certificate? We have a carrier who will write that policy for $400 less, and it includes supplemental medical coverage for you! Are you in the assigned risk pool, and your agent is telling you a standard market won’t take you? 9 times out of 10 we can get you coverage and save you thousands. Tradesman, foresters, towing operators, etc; we’ve got you covered.
GENERAL LIABILITY
Tired of paying hundres of dollars for each and every additional insured or waiver of subrogation endorsement you need? Many of our carriers will write these endorsements at little or no additional cost for our clients. Sole proprietor tradesman with no employees, $1M/$2M policies can be had for as little as $500 per year. New home builders, security operations, special cargo, etc; we’ve got you covered.
BUSINESS AUTO
Heavy trucks are our business auto specialty. Whether you are a local hauling dump truck operator, a logging transporter, or an interstate long hauler for hire; we’ve got you covered! These are generally the hardest to place risks, so naturally we have multiple markets available for all other types of business autos, and we are nearly impossible to beat on both terms and price.
COMMERCIAL PROPERTY
Commercial property policies may seem simple compared to the rest of the necessary coverages, but they are certainly not one size fits all. These policies come in a number of shapes and sizes, your agent needs to understand the valuations and what the scope of your operations are to ensure that you are properly covered against a loss. Commercial buildings, equipment, tools, umbrellas, etc; we’ve got you covered.
DISABILITY
Disability plans are generally only offered through employer groups, and individual short-term disability policies are unheard of. Not only can we write individual short-term disability policies, but coverage cost our clients on average less than a dollar per day. In addition, our carrier includes a supplemental medical plan that helps cover costs associated with rising deductibles and copays on standard major medical health insurance plans.