Insurance Offered

Commercial Property

Commercial Property Insurance is a type of policy that protects a business's physical assets from damage or loss due to a variety of events, or "perils". It's a fundamental part of a comprehensive risk management strategy for any business that owns, rents, or leases a physical location.

This coverage typically applies to the building, business personal property, outdoor structures, and more.

Professional Liability (E&O)

Our risk management consulting services encompass a wide range of industry sectors, ensuring that our clients receive specialized support that aligns with their specific challenges and opportunities. In addition, our insurance brokerage expertise enables us to secure the most suitable coverage at competitive rates, safeguarding businesses from potential financial losses.

Commercial General Liability

Commercial General Liability (CGL) insurance is a foundational business insurance policy that protects a business from a wide range of common liability risks. It is a critical form of coverage that helps safeguard a business's assets against costly lawsuits and claims that can arise from daily operations.

Business Owners Insurance (BOP)

A Business Owner's Policy (BOP) is a comprehensive insurance package that combines three essential coverages into one convenient policy. It's designed specifically for small to medium-sized businesses to provide broad protection against common risks. It typically includes Commercial property, commercial general liability. We'll work with you to design coverage that protects your business from a variety of risks, unique to you.

Benefits

Insurance-based benefits services are a core component of a comprehensive compensation package for employees. They are categorized into two main groups: qualified and nonqualified benefits. The primary difference between the two lies in their tax treatment, who they are offered to, and the federal regulations they must follow.

Qualified Benefits

Qualified benefits are a broad category of employee benefits that are regulated by federal laws like the Employee Retirement Income Security Act (ERISA). They are designed to be offered to all eligible employees on a non-discriminatory basis. They receive favorable tax treatment, such as employer contributions being tax-deductible for the business and not being considered taxable income for the employee at the time of contribution.

Nonqualified Benefits

Nonqualified benefits, on the other hand, are not subject to the same strict ERISA guidelines and are typically offered to a select group of employees, such as executives and highly compensated individuals. They are used as a powerful tool to attract and retain key talent by supplementing qualified plans with additional incentives.

Life, Accident, & Health

Life, accident, and health insurance are foundational components of a comprehensive benefits package that helps businesses attract and retain talent by providing financial security and promoting employee well-being.

Insurance products like life, accident, and health insurance are crucial for business owners because they provide the financial stability needed for business continuation and estate planning. These policies can be a strategic tool to manage risk and ensure a smooth transition of the business after the owner's death, disability, or retirement.