The liability exposures of a business are usually the most complex insurance problems it faces. We can work on a commission basis as your agent, or on a fee basis in order to review your existing program. Either way, we can make suggestions for improvement and efficiency.

Some property exposures are obvious, but many businesses never consider or never hear about coverage to protect their loss of profit while a facility is being repaired or when a key supplier is out of operation. Give us a call for a discussion of Business Interruption coverage.

For some businesses, commercial vehicle insurance coverage is a key expense. As part of our review, we will check classifications for you and discuss your coverage of personal automobiles.

In addition to the normal review and negotiation an agent should do on your behalf, mid-size and larger business should have in-depth analyses done every few years. We work with firms that conduct those reviews on pure contingency; if you don’t save money, you don’t pay for the review.

We can obtain multiple quotes for many businesses. In addition, your plan’s design should be reviewed periodically to make certain it’s both competitive and no more expensive than it should be. Please talk with us about the new consumer controlled cost reduction programs, Health Reimbursement Accounts (HRA) and Health Savings Accounts (HSA).

We can review your Group Life Insurance for employees, and we can also talk to you about ways to protect succession plans, guarantee buyouts, or insure key employee lives.

Business owners may be able to set up Long Term Care policies on a tax-advantaged basis through their companies. If you have considered Long Term Care Insurance, give us a call.

The disability of a business owner is several times more likely than premature death. Individual disability insurance can help fund a buyout or succession plan if an owner becomes unable to contribute as he or she had planned.