Your insurance is consolidated since we can handle all your insurance needs. We are a multi-line insurance brokerage.
So there are no negative economic surprises, we perform a complete risk assessment and management review.
Continual assistance in identifying your exposure to loss. We do not just photocopy your existing policies and try to "beat the rate".
Assistance in establishing the various options in protecting against exposures. We view insurance as one option and consider all other possibilities.
Review and establish insurable values. We don't want you to over or under-insure.
Review of policy wording, classifications and premiums. We can attach special endorsements that tailor the policy coverage to your specific needs. Often, we find incorrect classifications on policies that, when corrected, have reduced premiums.
Loss control review. The fewer claims, the lower your premiums.
Audits of claims reserves. Insurance companies may set a claim reserve too high or fail to adjust the reserve once the claim has been closed. Because inaccurate reserves can lead to higher premiums, we monitor the reserve and, when appropriate, get the claims examiner to make adjustments.
Review of leases and other contracts. Leases and contracts can create large exposures that you may not be insured for, or that you do not wish to unknowingly assume.
Financial services department. We offer a full range of financial planning services, including life, health, disability insurance, assistance in the design of "buy-sell" agreements and pension and profit-sharing plans. Our representatives in the area are some of the best in the industry.
Phone calls returned quickly so you get your answers and you can move on to your business concerns.
Binding authority with most of our major companies. We can start your coverage immediately to prevent undue worry that you are not properly protected.
All claims are reviewed by Certified Insurance Professional who not only know how to file the claim on your behalf, but can interpret policy language to be sure your are allowed all the protection your policy provides.
We have 120 years of combined insurance experience. Our relationships with companies and clients are long standing. We've earned the trust and respect of our industry. Should you have a problem, the companies will listen to us and respect our input.
Policy summaries are provided to you detailing the coverage included so you can quickly review the major areas of protection.
A service plan is developed to stay in contact with you during the policy year. We don't stop after a policy sale.
We represent A rated (by Bests Service) carriers to be sure of the stability of the company and know that should a major claim occur, the company has the financial resources to take care of you.
Certificates of Insurance and Evidence of Property Coverage are issued upon request. This prevents someone form not paying you due to noncompliance with insurance requirements. Should you have a refinance or escrow account, the evidence is faxed to the title company immediately to prevent unnecessary delays.
Our office releases no insurance policy until our professional staff reviews it for compliance with what we ordered. This prevents any possible mistakes and assures coverage is there should you need it.
Should you have any insurance need that does not fall within our "standard" markets, we have access to insurance companies that write high risk clients, so even with an insurability problem, we can get you protected.
