AGENCY SERVICES

You and your business are important to us. We wish to provide you with access to cost efficient coverage and service for all your insurance and surety needs. Toward this goal, the following are some of the services we provide for our clients:


Commercial Insurance: Offer a complete portfolio of insurance products Workers Compensation, General Liability, Professional Liability, Automobile, Umbrella Liability, Employment Practices Liability, Property, and Inland Marine coverages. Programs are designed to fit the individual needs of your business. Quality coverages, competitive pricing and excellent service is continually pricing and excellent service are continually stressed. Insurance programs are placed only with responsive and financially stable carriers.


Surety Bonds: Review of your financial reporting system, preparation of submission to the surety company, contract specification and plan review, review and evaluation of owner’s contract form, and personal contact with your bonding company are just some of the services we offer in the area of surety bonding.


Job Specification Review Program: Review job specifications for any additional or special insurance or surety requirements and provide quotations. Construction specifications continue to become more onerous. Requirements for owners & contractors protective liability policies, builders risk policies, hold harmless and indemnity agreements, waivers of subrogation, primary and non-contributory language, kotecki waivers, railroad protective liability policies and other unique insurance requirements have become extremely common. While risk can never be completely eliminated we work with you to understand and manage your company's exposure. Protecting your investment is what we do best.


Subcontractor Certificate Review Program: Assist in maintaining current certificates of insurance from your subcontractors and suppliers.


Safety Engineering: Assist you and your staff in coordinating and implementing a safety program, help set up meetings with the insurance company safety engineers, and assist with job site review programs and acquiring tool box talks for the foreman.


Claims Processing: Provide a complete claims reporting procedure guide, assist your staff on reporting claims properly, and follow up with the insurance company for payment.


MVR Reporting: Obtain and review motor vehicle records on your current drivers or applicants prior to hiring.


Insurance Audit: Provide an experienced independent auditor for review of payroll and sales classification accuracy. All interim and final audits are reviewed by out experienced staff.