One malpractice claim can outlast the case that caused it. Your coverage should hold up.

At a minimum: an annual proactive coverage review, an in-person or virtual renewal meeting, and a check-in whenever something in your business materially changes — new location, new hire wave, new contract, new product line. For fast-growth clients we move to quarterly check-ins by default.

You'll never wonder whether your advisor is paying attention. And you'll always have a direct line if something comes up between scheduled touchpoints.

We pull your current policies — general liability, property, workers comp, auto, umbrella, professional liability, cyber, whatever you have — and read them. Then we ask about what your business actually does today, not what it did when those policies were written.

You get a plain-English summary of where you're properly covered, where there are gaps, and where you might be paying for coverage you don't need. The deliverable takes about 30 minutes of your time on the front end and we do the rest.

Yes — all three, and most other commercial coverage lines. Workers comp is core for any business with W-2 employees. Cyber is increasingly required by clients, vendors, and lenders. EPLI (employment practices liability) is one of the most under-purchased coverages relative to actual risk for any business with employees.

If you're not sure what you have or what you need, that's exactly what the coverage review answers.

Our commercial clients range from one-person operations to 2,000-employee companies. The common thread isn't size, it's that you have something worth protecting and you want an advisor who treats your account like it matters.

The other way to think about it: if your business is profitable enough that an uninsured claim would meaningfully hurt you, you're the right size for us.

Captive agents can only sell one company's products. If their carrier's appetite doesn't match your risk profile, you either pay more for inferior coverage or you get pushed into coverage that doesn't really fit. As an independent broker, we shop your business across the entire commercial market and recommend the coverage that actually fits.

The other difference is structural: a captive agent's job is to sell more of one carrier's policies. Our job is to make sure your coverage matches your business — and to keep doing that as your business grows.

A Certificate of Insurance is proof of your active coverage that clients, landlords, and lenders often require. As your agency we issue COIs usually same-day, so a contract or lease isn't held up.  We also offer a self-service option in our client portal.