BUSINESS INSURANCE 

MADE SIMPLE

We're an insurance brokerage, and we help business owners find competitive insurance products.  

GET YOUR GENERAL LIABILITY
QUOTE INSTANTLY

Customize your GL proposal,

and we'll finalize it.  

RETAIL INSURANCE

Customize your GL and property proposal, and we'll finalize it.

We were established in 2011.

WE SPECIALIZE INTHESE INDUSTRIES

 

CLICK ON YOUR APPLICATION TO BEGIN, OR CALL US.

How is a premium developed?

UNDERWRITING
 

Coverage for internet-based risks includes data destruction, extortion, theft, hacking, denial of service attacks, or failure to safeguard data.

WORKERS COMPENSATION

Wage replacement and medical benefits to employees injured in the course of employment.

GENERAL LIABILITY

The "first line" of coverage that a business will purchase and covers common claims, such as bodily injury or property damage due to the business operations.

PROFESSIONAL LIABILITY

This is coverage for companies against an error or omission or negligence claim against the business for the professional services it provided.  

Some companies will use the annual sales to develop the premium instead of payroll.  Each company has a rate, and it is multiplied by the yearly sales of the applicant.  

GEOGRAPHY

Fewer insurance companies offer coverage in New York City, the boroughs, or a quarter-mile of coastal water.  Meaning costs are higher in these areas.  

This factor develops most of the worker's compensation and general liability premium.  Each company has a rate for each classification.  Multiplying the rate by the client's payroll develops the cost.  

Amount of inventory within the store multiplied by the assigned rate.  

Carriers specializing in General Contractors will assign a pre-determined rate by the amount paid to subcontractors annually.   

LOSS HISTORY

An essential factor for underwriters and a business without claims is often credited but, a frequency of losses causes a debit against the premium.   

 

NICHE MARKETS

We represent multiple insurance carriers and established underwriting relationships. 

ONLINE APPLICATION

Our application is process simple, 100% online, and clients have access to our online policy storage system.

SAME DAY SERVICE

Choose your industry, answer basic questions, and receive your customized application today.

Our carriers