Taking care of Businesses

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

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

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

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

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

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

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

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

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

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

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