What We Do
Commercial Insurance
Commercial or business insurance is coverage for corporations, public entities, sole proprietors and independent contractors that provides protection if someone is hurt, property is damaged, or your business is deemed negligent in the course of you performing your services. As there are various types of businesses, there are numerous types of business insurance coverages addressing different needs and situations. These policies are tailored and customized to the size, services, and uniqueness of each business.
Types of Policies Include : General Liability, Employers Liability, Cyber & Data Breach, Business Interruption, Fleet & Commercial Auto, Employee Practice Liability, Management Liability (D&O), Professional Liability/Errors & Omission, Workers Compensation & Ohio Stop Gap, Crime, Property, Umbrella, Inland Marine, Group Payroll Deduction Auto & Homeowners, & Executive Life Insurance Plans.
Personal Insurance
Personal lines insurance is designed to protect individuals and families against losses that result from loss of income, loss of property, personal lawsuits, death and injury. Like all insurance, these policies may not cover every situation that occurs, however they can dramatically reduce the financial hardship and out of pocket impact families face during unforeseen situations.
Types of Policies Include : Auto, Homeowners/Renters/Condos/Investment Property, Flood, Umbrellas, Recreational, Life Insurance, Disability Insurance & Long Term Care.
Medical Insurance
Medical and Employer Group Benefits are coverages that help to pay the cost of hospital expenses, surgical expenses and physician office visits incurred by an individual due to an illness or an injury. These policies reimburse or pay the expenses directly to the provider. They can be offered as employer group plans, individual health policies, Affordable Care Act plans or voluntary group medical plans. Disability policies and other medical supplement plans, help to lessen the potential loss income and out of pocket expenses that often occur with injuries and illnesses. Dental and visions plans are also considered a form of health plans.
Types of Policies Include : Group Medical, ICHRA plans, Minimum Essential Benefits (MEC) plans, Individual Medical, International Medical, Dental, Vision, Supplemental Medical, Critical Illness, Medicare Supplement, Medicare Advantage, Disability, Life, Voluntary Plans, Group Life, Sec 125 and Cafeteria Plans, Group Medicare Plans.
Bond Insurance
A bond is an obligation of a surety or insurance company to protect an individual or a business against financial loss caused by the acts of another party. There are many types of bonds and they are often required by contractor owners, municipalities, and entities whom a company does business with. Bonds can provide protection against the failure to perform work to claims against an employee’s theft of a customer’s property.
Types of Bonds Include : License & Permit, Bid, Payment & Performance, Public Officials, Lottery Bond, Janitorial Services Bond, Employee Theft & Dishonesty, Fidelity Bond, Fiduciary Bond, ERISA Bond, International Shipping Bond, Customs Bond.