BUSINESS RISK SERVICES

Our risk managers work directly with the key players in your business operations to learn the inner mechanics of your company. Together, we establish the best coverage plan for your business interests.

 

commercial property insurance

FINANCIAL SERVICES INSURANCE

architect & engineer insurance

Attorney & law firm insurance

ENERGY insurance

contractors insurance

TRANSPORTATION insurance

AGRIBUSINESS INSURANCE

restaurant insurance

entertainment & communications insurance

HOTEL insurance

medical facility & hospital insurance

country club & sports club insurance

security services insurance

AUTO DEALER & AUTO SERVICE SHOP INSURANCE

building material dealers insurance

movie theater insurance

MARINA INSURANCE

grocery store insurance

self storage facility insurance

religious institutions insurance

SOCIAL SERVICES INSURANCE

technology & media insurance

educational institution INSURANCE

jewelers block insurance

PUBLISHERS INSURANCE


COVERAGES PROVIDED:

workers compensation

Commercial umbrella & excess liability

commercial property insurance

broker/dealer Errors & OMISSIONS insurance

business auto insurance

cyber liability insurance

Employment Practices Liability insurance

directors & officers liability insurance

fiduciary liability insurance

professional athlete & public figure insurance

special events insurance

individual directorship liability insurance

commercial aviation insurance

liquor liability insurance

inland marine insurance

business crime insurance

franchise insurance

kidnap & ransom insurance

PRODUCT RECALL INSURANCE

wildlife refuge insurance


SURETY BONDS:

Surety bonds protect consumers and government entities from fraud and malpractice by providing financial guarantees that business deals and contracts will be completed according to mutual terms.

When a principal breaks a bond's terms, the harmed party can make a claim on the bond to recover losses. There are four types of surety bond, and each lends itself to its respective field: License & Permit Bonds, Construction Bonds, Commercial Bonds, and Court Bonds. Each surety bond issued acts as a three-party contract between a principal, and oblige and a surety:

The principal:

A business owner or other professional purchases the bond to guarantee the quality of work to be done in the future

The obligee:

Most of the time a government agency, requires the principal to purchase a bond to avoid potential financial loss

The surety:

A surety bond company, issues the bond and financially guarantees the principal's capacity to perform a specific task

Before contacting a surety provider, it is important to check all federal, state and local regulations regarding surety bonds in their respective industries. Regulations regarding a specific surety bond in California will vary from those that apply to a surety bond in Texas.

Construction Bonds

Contract bonds can be used for many reasons; however, they are most commonly used in the construction industry to ensure projects are completed according to contract – one of the reasons the two terms are used interchangeably.

Commercial Bonds

Commercial bonds are typically purchased by companies and working professionals who need surety bonds for purposes unrelated to legal issues, construction projects or other contracted work. Most commercial bond types are used to reinforce laws – most commonly license and permit regulations.

License & Permit Bonds

License and permit bonds are a specific type of commercial bonding. These bonds are required by government agencies to specify that business owners in certain industries must purchase these bonds before they can be legally licensed.

COURT BONDS

Most court proceedings require that certain parties post surety bonds to limit the potential for the financial loss that could result from judgments. “Court Bond” is an overarching term that includes bonds used for a number of different court proceedings.


EMPLOYEE BENEFIT SOLUTIONS

We know recruiting and retaining top talent is key for any successful business. That’s why we’ll learn the inner mechanics of your company from the inside out and tailor an employee benefits package that makes the most sense for your company.

Our Employee Benefits team provide services including: compliance, consulting, data analytics, employee communications, human resources consulting, outsourcing services, and technology services.

Our consultants are experts in the following benefits services:

  • COBRA

  • Dental

  • Disability

  • Discount Programs

  • Employee Assistance Programs (EAPs)

  • Flexible Spending Accounts (FSAs)

  • FMLA

  • Group Life and Accidental Death and Dismemberment Coverage (AD&D), including Supplemental Life and AD&D

  • Long-Term Care

  • Medical

  • Onsite Clinics

  • Pharmacy

  • Stop-Loss

  • Telemedicine

  • Vision

  • Voluntary Products (Accident, Critical Illness, Legal, Identity Theft, Auto/Home, Travel Accident Coverage, etc.)

  • Wellness Programs