Employee Health Benefit Plans
Starting a new business, or simply shopping for insurance rates, we offer simple and affordable plans to cover your most valuable assets your employees. Want to know which plan is right for you and your business? Call us for a tailored plan to fit your company’s needs.
We write for multiple insurance carriers offering a wide selection of group benefits.

These benefits include:

  • Medical, Dental, and Vision Insurance
  • Disability Insurance
  • Long Term Care Insurance

Liability Insurance
Business Liability or General Liability protection covers your company’s legal responsibility for harm which may be caused to others. This harm may be a result of defective products, faulty installations or human errors causing damages to persons or property. This coverage is also part of the Business Owners Policy and can include other valuable coverages tailored to the needs of your specific business model.

Commercial property liability cover includes small to medium size apartments, condominiums, leased offices amongst others and also covers property liability and actual loss sustained income protection, along with customized enhancements to meet your specific needs. A Landlord policy is designed for owners of single or double family rental properties owned by an individual, an individual with a spouse, or a living trust.

Professionals that operate their own businesses may need professional liability insurance in addition to in-home business or business owners policy. This protects them against financial losses from lawsuits filed against them by clients.

Professionals are expected to have extensive technical knowledge in their particular field of expertise and to conduct their business in such a way. If they fail to use the degree of skill expected of them, they can be held responsible in a court of law for any harm or damages caused to other persons or businesses. When liability is limited to acts of negligence, professional liability insurance may be called “errors and omissions” liability.

Worker’s Compensation
Workers’ Compensation insurance provides coverage for employees injured in the workplace or in the course of their employment. This compensation covers medical bills and loss of wages as required by state law. This policy also provides Employers’ Liability insurance which protects employers from lawsuits resulting from workplace accidents and provide medical care and compensation for lost income to employees hurt in these accidents.
Employers have a legal responsibility to their employees to have safe workplace environments. However, accidents can and do happen even with reasonable safety measure. Workers compensation insurance covers workers injured whether on the workplace premises or elsewhere while still on the ‘clock’, be it an auto accident while on business or even work-related illnesses.

Workers compensation provides payments to injured workers, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.

Each state differs in its laws governing the amount and duration of lost income benefits, the provision of medical rehabilitation services.

Business Auto Coverage
Business Auto policy includes liability, collision and comprehensive coverage to meet your business needs. Whether your business is retail or wholesale delivery, contractor or service industry vehicles, a policy can be customized to meet your specific needs.
Garage Auto insurance covers auto sales, service, repairs, gas stations and auto detailing. This policy can cover work vehicles and customer vehicles for accidental physical damage.

As a business owner, the same kinds of insurance coverage is needed as you do for a car used for personal use, such as liability, collision and comprehensive, medical payments, uninsured motorists, etc. Many company vehicles are used for business and pleasure.
If the vehicle is owned by the business, it is best practice to use the business name on the policy as the “principal insure” rather than your name. This will avoids confusion in the event of filing a claim or if a claim is filed against you.

While the major coverages are the same, business auto policy differs from personal auto policy in many technical respects. If your car is being used for business activities such transporting supplies or visiting customers, your automobile insurance will need to protect you from accidents that may occur while on business. Most personal umbrella liability policies have exclusions for business-related liability. To assure the correct level of coverage we can assist you in getting sufficient auto liability coverage that suites your needs.