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Types of Insurance

*The following are the main types of insurance that a business owner may want to have. There are many more add-ons available and we can write them all. Give us a call to customize the perfect package for your business!

 

  • Workers’ compensation: Get the proper coverage for your employees. Our pay-as-you-go model frees up your cash flow and who wouldn’t want that?
  • Payroll Administration: Provides professional payroll support, administrations, and compliance assistance.
  • Human Resources: Becoming an expert in human resources can be a complex endeavor because, well, humans are complex.
  • Safety and Compliance: A team of professionals will provide claims assistance, HR support, and compliancy for even the toughest of industries (tree trimming and roofing included!).
  • EPLI: Employment claims have steadily risen. Wrongful termination, sexual harassment, discrimination – cover your back against fraudulent and costly claims.
  • General Liability: Helps protect you from a number of claims related to normal business operations. You have to make sure you have the liability coverage that matches your level of exposure. It is not a one-size fits all!
  • Business Automobile: Any car that is used for work purposes needs to be covered. Driving to a job? Do employees take cars home? Get them covered!
  • Business Property: Covers your business assets. This includes buildings, business records, equipment, and even your favorite desk chair.
  • Errors & Omissions (E&O): If you are involved in giving professional advice, making recommendations, or designing products you can be sued for faulty information that results in harm to others. E&O coverage will protect you from these errors and help pay legal expenses.
  • Inland Marine: Do you have merchandise or company items that move around in transport? That’s what this covers. Traditional property insurance protects the location specific items. Inland Marine covers the items that change location.
  • Crime & Cyber: Hey, it happens. Employees steal, fraud happens on accounts, hackers get into the computer system. With this insurance, you don’t need it until you NEED it…so be prepared and get covered now.
  • HMO: This stands for health maintenance organization – they have their own network of doctors, hospitals, and healthcare providers who all agree to supply services to you. As long as you stay within the network, you are good to go.
  • PPO: Similar to an HMO, a group of doctors and providers get together to create the organization. Generally costs a little more money, but you have the flexibility to receive care from ANY provider, in or out of your network.
  • HSA: Health savings account – it’s like a personal savings account but it can only be used towards qualified healthcare expenses. Pre-tax dollars are put away so you can use them for health related matters.
  • HRA: Health reimbursement arrangement – an employer funded account that helps employees pay for out-of-pocket medical expenses that are not covered by their health plans.

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