Taking care of Businesses

We’re helping businesses like yours stay prepared, save money, and build better

When it comes to running your business, insurance can be a headache. No matter what kind of business you have, insurance doesn’t have to be a stressful cost center that limits what you’re building.

Our business specialists can save you time, money, and a lot of stress. Click below to get a custom quote from one of our business experts.

Strengthening your bottom line

Let’s imagine a new future for your business

Not only can insurance be something that strengthens your bottom line, it can even be stress-free.

When you have the right broker taking care of you, you don’t have to worry about all the headaches you’re used to when you think about insuring your business.

We know what it’s like
to run a business

We’re not much different than you.
We’re a team of people that knows what it means to run a business.

We also know the pains that getting the right policies can cause you. We’ve got over 40 years of collective experience helping businesses like yours. That’s why when it comes to helping businesses succeed, we don’t just assign some agent looking over your account here and there. We come to you with a dedicated team who works hard to help you identify your key business exposures.

We don’t rest until we’ve helped you select and customize the best program available that will ensure you’re not just covered, but that all your needs are met.

Click on an item below to learn more about all the ways we take care of businesses like yours.

Commercial auto

Hit the road and take your protection with you.
It may not be as unsettling as your 16-year-old son driving alone for the first time, but sending drivers out can be a little nerve-racking. Anyone under the sun knows it can be a circus on the roads. Before you send your team out there, get the care and coverage you need.

What’s covered?

  • Collision
  • Auto liability
  • Medical payments
  • Coverage on rented or borrowed vehicles
  • Employee coverage

What about the vehicles covered? Here’s a few.

  • Regular cars and SUVs
  • Refrigerator trucks
  • Catering trucks
  • Light and medium weight dump trucks
  • Utility vans
  • Tow trucks
Commercial building & property insurance

Some things are easily replaced.

Things like damage, theft, or natural disasters are all causes with huge effects on your bottom line. When trouble strikes, your time should be spent worrying about what matters: the health and safety of your employees. This coverage lets you stay focused on the important things, while the material items are covered.

What’s covered?

  • Your building
  • Furniture and equipment
  • Inventory
  • Outdoor business signs
  • Fixtures
  • Other people’s property
Commercial umbrella insurance

Nobody’s perfect. And neither are insurance policies.

Your liability policies cover you for a lot, but it has its limits (literally!). Umbrella insurance covers you for what’s on the fringes. Like a fail-safe for your business and assets.

What’s covered?

  • It can broaden coverage in your plan — if a part of your general liability doesn’t cover something, you can add it to your plan
  • Umbrella insurance can increase coverage totals
  • Umbrella insurance allows you to customize a policy even further so it’s just right for your business
Employment practices liability

You’re creating an amazing culture. That can still come with challenges.

The liability risk for employment practice starts at the interview. We know you’re working to build a great culture in your construction business, but you can still run into trouble along the way.

What’s covered?

  • Employee discrimination claims
  • Wrongful termination claims
  • Harassment claims
  • Other employment-related issues
Equipment insurance for any business

They just don’t make things like they used to.

Equipment breakdowns don’t just affect your bottom line, the effects can bleed into your customer experience. When it comes to insuring equipment, we often think of businesses like restaurants and factories, but all businesses rely on equipment that can lead to big bottom line effects when it breaks down.

What equipment is covered? Here’s a few examples:

  • Electrical and mechanical equipment
  • Air conditioning and refrigeration systems
  • Communication equipment and computers
  • Boilers and pressure equipment

What’s covered?

  • Cost to replace or repair damaged equipment
  • Cost for equipment company’s time and labor to repair/replace equipment
  • Revenue loss for your company when equipment breakdown leads to business interruption
  • Damaged goods as a result of equipment breakdown
Cyber liability insurance

The dreaded data breach.

Cyber liability insurance typically covers your business’s liability for a data breach that involves sensitive customer information. This includes credit card numbers, Social Security numbers, account numbers, and health records just to name a few. If you’re like us, you’re obsessed with clients and treat them like family. A cyber liability plan is a way of protecting them and their families.

What’s covered?

  • Legal fees and expenses resulting from a data breach
  • Notifying customers about a data breach
  • Recovering compromised data
  • Restoring personal identities of affected customers
  • Repairing damaged computer systems
Errors and omissions coverage

We know you’re skilled, but you’re also human. Mistakes and claims happen.

Even the most talented people run into trouble. Maybe it’s just a tiny detail missed along the way, or maybe expectations were misaligned. Either way, disagreements can happen. You’ll be prepared when they do.

What’s covered?

  • Risks involving damage to your work, product, or any impaired property
  • Gaps left by comprehensive general liability insurance
  • Keeps you taken care of in the event someone is unhappy with your work
General liability

You’ve worked hard to build your company. Now it’s time to build your protection.

Also referred to as “commercial liability,” general liability insurance covers your business’s general liability exposures and minimizes financial risks, such as the death or injury of an employee, lawsuit, or natural disaster.

What’s covered?

  • Bodily injury and property damage liability
  • Personal and advertising injury
  • Medical payments
  • Products completed operations
  • Damage to premises rented to you
Inland marine

For your valuable property that’s on the move.

Despite having “marine” in the name, there’s nothing nautical about it. Opposed to “marine insurance,” which covers products when transported over water, inland marine insurance covers products, materials and equipment when transported over land. If your business contains a lot of moving parts (literally), it can be unsettling when your goods are in transit. With this type of policy, those things can be out of sight, out of mind.

What’s covered?

  • Moveable property & equipment
  • Valuable property in transit over land
  • Bridges, roads, piers, etc.
  • Radio towers, television, computer equipment, and data
  • Legal liability exposures of bailees
  • Property in your temporary care
Employee benefits

Taking care of business means taking care of your employees.

The livelihood of your employees directly translates into the livelihood of your business. Finding the right benefits program is tough, there is no one-size-fits-all solution. Consider us your partner-in-crime for coming up with the right program for your business. We help you give your people what’s best for them, and even provide an online platform that puts them in control of choosing their plan and takes the burden off your shoulders.

Here’s a few examples of what we can offer:

  • Group health plans (fully insured or self-funded)
  • Group vision
  • Group dental
  • Group disability, long and short term
  • Voluntary plan options
  • Life and AD&D
  • Retirement benefits
  • Health & wellness consulting
  • Section 125 Plans
  • Health saving accounts
  • Benchmarking tools to assist in employee retention
  • Compliance, health care reform, HR Briefs

If what you’re looking for isn’t on the list, give us a call and we will get you taken care of.

Learn more about Employee Benefits

Risk management

Think of this as your “safety police” that work 24/7.

At IGA, we are passionate about workplace safety. It’s a crucial part of great company culture. Especially in the construction business. Having the right safety practices in place can affect your bottom line in a big way.

We’ve been creating comprehensive safety programs for nearly 20 years. You’ll work with one of our all-stars, Kelsey, who will guide you through your safety program development.

What’s offered? Here’s a few examples.

  • OSHA training courses
  • Safety program design
  • Safety audits
  • Accident investigation
  • Safety training and development of training resources
  • Substance abuse program administration
  • First aid, CPR, AED training
  • Air and noise sampling

Learn more about Risk Management Services

Non-profit entities

Your insurance should serve you the same way you serve your community.

We know with the unique risks and requirements that accompany your services, it can be tough to find an insurance provider that understands. When it comes to insuring your non-profit organization, we know your business operates on a different frequency than most.

What’s covered? Here’s a few examples:

  • Property loss & damage
  • Property insurance
  • Auto insurance
  • Umbrella insurance
  • General liability coverage
  • Crime insurance
  • Professional liability coverage
Surety bonds

Get more bonds. Raise your limits. Win more work.

If you don’t get bonds, you won’t win work. It’s just the way it is. Bonds are the fuel in the engine that keeps your business moving upwards. Not being able to get bonds can do more than hurt your bottom line, they can damage your entire business. Around here, we’re known for helping our clients secure bonds and increase their bond limits.

We are here to help…

  • Provide financial analysis
  • Review of your current surety program
  • Understand and analyze your business and offer solutions
  • Give you quick turnaround with your surety bond needs

What’s offered? Here’s a few examples.

  • Bid bonds
  • Performance bonds
  • Payment bonds
  • License bonds
  • Permit bonds

If what you’re looking for isn’t on the list, give us a call and we will get you taken care of.

Workers' compensation

Peace of mind for your employees. And you.

If you’re like us, your employees are your greatest asset. Without a rock-solid workers’ compensation policy in place, they might not feel safe working with you. Typically, this policy is mandatory for employers to have in place and covers things like medical care and lost wages for an employee injured on the job.

Your workers’ compensation package might include things like:

  • Payment systems
  • Medical disability case managers
  • Life care planning nurses
  • Legal staff
  • Contracts with medical network providers
  • Vocational rehabilitation consultants
Pollution liabilty

Protect your business from pollution-related lossless.

You didn’t get into the construction business to focus on pollution risk. With this coverage, you can get back to focusing on the job, not the risk.

What’s covered?

  • Third party claims of property damage related to contamination allegations
  • Third party claims of bodily injury related to contamination allegations
  • Environmental cleanup operations
  • Coverage can even extend to past operations
Crime insurance

Sometimes people do bad things. Don’t let them get you down.

Criminal activity happens everywhere. When it comes into your world, it’s normal to feel a little helpless. With the right crime insurance, you will feel taken care of. You’ll be able to move on quickly without the lasting repercussions.

What’s covered?

  • Theft of property
  • Third-party fraud (like forgery)
  • Computer systems fraud
  • Impersonation fraud
  • Employee dishonesty
Fiduciary liability

Protect your plan fiduciaries.

For those put to the task of managing employee benefit plans, there is a lot on the line— for yourself and for your employees. As a fiduciary, you have a lot on your shoulders in terms of following plan documents to a T. With that responsibility can come a lot of liability. A fiduciary liability insurance policy protects fiduciaries against these claims of mismanagement.

What’s covered?

  • Your company and your employees
  • Personal liability for management of employee benefit plans
Management liability

Focus on managing your business. Not on your risk.
Managing a construction business comes with inherent risks. A management liability policy can keep you focusing on your jobs, not being worried about your risk. Think of this policy as a full suite of protections to your board-level employees.

What’s covered?

  • Board-level exposures and risks related to managing your business
  • Employment practices liability
  • Fiduciary liability
  • Crime coverages
Builder's risk

The vulnerability of your construction site doesn’t have to feel scary.

When you add builder’s risk to your policy, contractors, subcontractors, and stakeholders will sleep easier at night knowing the site is protected.

What’s covered?

  • Buildings and structures under construction
  • Equipment onsite or in transit to your job site
  • Other items unique to your site
Contractor's equipment

Coverage for the tools you rely on.

Your business can’t work well if your equipment doesn’t. It can be nerve-racking to rely on tools without the right safety net in case something happens.

What’s covered?

  • Machines and equipment
  • Cleanup after an accident
  • Losses that would otherwise impede the progress of the project
Contractor’s errors & omissions insurance

We know you’re skilled, but you’re also human. Mistakes and claims happen.

Even the most talented builders run into trouble. Maybe it’s just a tiny detail missed along the way, or maybe expectations were misaligned. Either way, disagreements can happen. You’ll be prepared when they do.

What’s covered?

  • Risks involving damage to your work, product, or any impaired property
  • Gaps left by comprehensive general liability insurance
  • Keeps you taken care of in the event someone is unhappy with your work

We’ll take care of business so you can keep building

Start a conversation with one of our team members and learn how insurance with IGA can pump money back into your bottom line.