We offer all of the coverages you’ll ever need
Our experienced insurance counselors will work with you to provide the insurance your company needs, without spending any more than necessary. Some of the more popular coverages are discussed below, but we encourage you to allow your representative to guide you to those most appropriate for your needs.
Property and liability coverage
While almost every organization has a policy providing basic property and liability insurance, we can help you select the coverages and limits most appropriate for your individual situation.
Insuring vehicles for your business can be considerably more costly than for your personal autos. You may have issues with violations and claims, the vehicles are used more often, and sometimes by many drivers. Yet the need for these vehicles is typically essential to the operation of your business, and you can’t afford even a momentary lapse in coverage.
We can help you find the most cost effective coverage for your needs, from top rated carriers you can rely on.
Save up to 10% on your auto insurance with an on-line defensive driving course.
Employers are required to do the following to comply with Workers’ Compensation insurance laws:
- Employers are required to provide coverage for their employees and are held liable for all injuries suffered by employees while they are on the job
- Pay premiums and provide the carrier with audit payroll numbers
- Provide a safe environment
Our Workers Comp Programs provide the following:
- Workers compensation experience mod analysis
- Instruction on audit preparation
- Targeted Loss Control Techniques upon request
- Customized client portals
- Monitoring workers compensation claims
- OSHA reporting portal including mandatory OSHA forms
Directors & Officers liability
Whether your organization is a public company, private concern or non-profit, your directors and officers may be the target of a lawsuit by investors, employees and others. Both the individual and the company may be held liable for actions or decisions made in managing the organization.
Every type of organization has its own unique exposures, with widely varying requirements for coverages and policy limits needed to protect individual and company assets.
Employment practices liability
Lawsuits alleging discrimination, sexual harassment, retaliation, wrongful discharge and other violations are rising, and the size of settlements are growing rapidly. This in turn is attracting more plaintiffs’ attorneys, exacerbating the problem. Coverage may be purchased as part of a Directors & Officers policy, or as standalone coverage.
As more business moves overseas, proper coverage of merchandise in transit takes on greater importance. The Signature B&B Companies (TSBBC) can cover your shipments on an all risk basis, with shipments by air, ocean cargo and domestic inland transit from the overseas warehouse all the way to your domestic warehouse.
By transferring coverage from a domestic policy to Ocean Cargo, you can often obtain the same coverage for goods after arrival in the U.S. at a substantially lower cost. With our extensive experience in overseas transit, our expert staff can obtain the most appropriate coverages that will protect your interests while yielding considerable savings.
If you are responsible for benefit plans for your company, you know how difficult, and important, it is to provide quality coverage to your employees at an affordable cost. Learn more about our Employee Benefit services.
One of the most critical issues for any privately owned business is maintaining continuity in the event an owner or key employee dies or retires. Learn more about our Estate planning and Business continuity services.