Services provided BEFORE preparing your business insurance proposal
Initial Loss Control Survey A brief tour of your business premises (if necessary), intended to help you identify areas where potential injury or damage might occur.
Protection Needs Analysis Identification of coverage needs and problems (if any) with your existing insurance program. Solutions are revealed during the proposal presentation
Cash Flow Analysis Determination of the premium payment structure that best meets your firm's cash flow requirements.
Satisfaction Analysis Discovery and discussion of service-related concerns that you may have with y our current insurance provider.
Discount Review Extensive review of applicable discounts to assure that  you receive all the credits to which you are entitled

Services provided DURING your custom insurance presentation
Specific Solutions Proposed answers to protection-related problems and service-related issues discovered above.
Classifications Considered Assurances that we have carefully considered your operations and have applied what we've determined to be the most applicable rate classifications.
Audit Exposure Review Assurances that you won't be surprised by a large audit bill a year from now, assuming that there are no dramatic increases in your firm's payroll or sales.
Replacement Cost Survey Assurances that your building insurance limits are adequate to protect your against a total loss from any covered perils, subject to policy conditions.
Acceptability Guarantee Guarantee that the insuring carrier that we select has pre-approved your application for coverage, based on the facts you revealed to us.
Pricing Guarantee Guarantee that we have provided you with the most competitive total account premium for your firm, available through our agency.

Services provided AFTER our proposal is accepted
Schedule of Insurance You'll receive an easy-to-read summary of your insurance account, including policy details, premiums, and brief summaries of your main coverages.
Bi-Annual Reviews Twice a year, we will talk or meet to review whether your current insurance program still adequately protects your business.
24/7 Claim Filing Services Complete reference guide for filing insurance claims at any time. Includes agency and carrier contacts, phone numbers, web and email addresses.

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