Product Information and Cost

  • General Liability
  • Product Liability
  • Umbrella Liability
  • Commercial Building
  • Commercial Property (Inventory, Packaging, Ingredients)
  • Product Recall
  • Cargo/Transit Coverage (Sea and/or Land, Domestic, Foreign)
  • Stock Throughput
  • Workers Compensation
  • Commercial Automobile
  • Directors & Officers Liability
  • Employment Practices Liability
  • Liquor Liability
  • Surety Bonds
  • Crime Coverage
  • Equipment Breakdown (Boiler & Machinery)
  • Some coverages can be offered as a package under one policy number
  • Basic Information on your business
  • Product labels are usually required
  • Website and Facebook review
  • Applications may need to be completed for a quote depending on coverage offering
  • All information is only submitted to insurance carriers for quotation and is confidential
  • We can and do sign NDA (non-disclosure agreements) if required. We value your information
  • Loss History of your business if you have existing insurance coverage
  • Verbal premium expectations can be given where it is appropriate
  • Formal quote is only way to get firm insurance terms and premium charges
  • We send you a formal quote outlining coverage
  • Quotes are usually good for a 30 day period
  • For quotes older than 30 days it often does not require a new submission unless there have been changes to your operation
  • Quotes are given for annual premium charges in most cases
  • We think you will feel very comfortable with this process. No hype, no pressure just solid information so you feel confident in your decision.
  • Some quotes can be done same day but expect 24 hours if we can quote your business in house. When applications need to be submitted to others for a quote, expect 3 to 5 business days.
  • Applications can be signed electronically
  • Insurance company payment options vary with the product and insurance company used
  • Premium financing is available for many product types if the insurance company requires an annual payment
  • Credit card payment of down payments can be made
  • Factor in a 25% to 35% down payment depending on product, insurance company and billing frequency
  • Policies are usually for a 12 month period.
  • Some policy types need to be renewed each year and some automatically renew
  • All policy types that are based on sales or payroll require an annual premium audit
  • We become your independent agent or broker
  • We are your source for questions of any type
  • Claims are reported to us or to your insurance company directly
  • Certificates of Insurance, Insurance Binders and other forms of proof of coverage are done in our office
  • Most service requests are executed within 24 hours of request
  • Weekend and evening requests can be accommodated when required
  • We never charge a fee or a tax for any service, we are paid by the insurance company directly and it is part of the premium you pay
  • We review insurance specifications for Certificate of Insurances (COI)
  • We can add product lines as you need them
  • We will post your website link on our site for added SEO
  • We will post your News on our Facebook and Google+ pages
  • We will do our best to help you find information to solve your non insurance challenges
  • We use LinkedIn and are happy to pass along our contacts to you based on your need
  • We periodically attend shows to keep track of trends in the industry
  • Startup Spice Rub- $20,000 sales, General Liability only- $425 per year
  • Seafood Company-$90,000 sales, General Liability only-$1300 per year
  • Baked Goods-$15,000 sales, General Liability only- $425 per year
  • Specialty Beverage- $500,000 sales- General and Umbrella Liability- $2500 per year
  • Candy Company – $10,000,000 sales, $500,000 limit, -Product Recall- $6,700 per year
  • Importer- $200,000 inventory- Property only- $1500 per year
  • Hot Sauce- $21,000 sales-General Liability, Limited Product Recall, Property -$881 per year
  • Health Product/Supplement-$150,000 sales-Product Liability-$6,700
  • Importer Frozen Foods-$500,000 sales-Product Liability-$1,706 per year
  • Importer/Grain-$200,000 sales- Product Liability-$1,698 per year
  • Specialty Beverage-$450,000 transit amount-Stock Throughput-$3,970 per year
  • Specialty Beverage-$500,000 sales-General & Umbrella Liability-$3,211
  • Food/Drink Event organizer- $20,000 sales- Liquor Liability- $1,100 per year
  • Specialty Beverage-$15,000 sales, General Liability, Property, Limited Auto- $636 per year