Why Most Businesses Don't Reopen After a Serious Loss...

Winston-Salem, NC 9/4/2016

Consider the snow storm that took the Northeast by surprise in October, 2015. Overnight, thousands of businesses were without power and couldn't open for days, and in some cases, weeks.  Listen to Martin Hurwitz' story, owner of Harvest Bakery (Bristol, CT), and how having Off Premises Utility Services (OPUS) coverage helped him "weather the storm".
Off Premises Utility Services is just one of the Business Income options that we offer. We make it easy for you to help us tailor the coverage you need to your specific type of business. Many of our Business Income options can be purchased separately or as part of an endorsement.
Think all Business Income coverages are the same? Think again. 
• We Automatically include Continuing Payroll Expenses as part of our Business Income product; and
• We Offer Extended Business Income for up to one year.
Don't forget about our Business Income options designed for the unique needs of healthcare practices that reduce, and in some cases eliminate, the paperwork associated with filing a business income loss - a real time saver.
To Learn More...please contact us.
 

View All News Articles

What Our Customers Say!
Fletcher, I wanted to just send you a note to let you know how thankful we are to Linda Welborn for all of her work on our homeowner's and auto policies. This is the first time I can honestly say that someone took the time to explain the different levels of insurance to me and discuss what we actually needed, rather than what they wanted to sell me. I learned so much from this experience! In addition to the "education" she provided, she provided a proposal to us very quickly and was able to finalize everything in a very timely manner. We are thrilled to be working with your team going forward! Sincerely, Laura Blythe
Laura Blythe

Read what others have to say.

What's New

Why every Board of Directors should carry D&O Insurance
12/3/2019

 

Directors & Officers Liability insurance provides coverage for your own “wrongful act” while performing duties as a Director of Officer of the insured entity, or the "wrongful acts" of other board members. 

Why Do You Need Director’s & Officers Liability Insurance?

While an organization is legally permitted to cover the costs incurred as a result of personal liability stemming from the activities performed on behalf of the organization, this ability, called indemnification, may not apply to every situation.  The director or officer may become personally liable in their duties performed for the organization.

Read More »

 

What You Should Know About Rental Car Insurance
11/13/2019
There are some very serious contractual gaps in coverage for rental vehicles. Even if you purchase their Collision Damage or Physical/ Loss Damage Waivers, many rental car contracts exclude the following:
  • Theft of the Vehicle
  • Tolling, or Turning the Vehicle Over
  • Lease Gap coverage
  • Loss of Use
  • Glass, Tire and Undercarriage Damage
  • Animal Collision
  • Flood and Hail Damage
  • Damage above the Windshield
  • Individuals who rent personal vehicles for extended periods and do not have a Personal Auto policy in force
  • Drivers who rent, and do not own another vehicle insured elsewhere, need to be expecially careful here
Read More »

 

5 Types of Cyber Criminals and How to Protect Against Them
11/3/2019
Understanding the types of cyber criminals and their techniques can help protect your organization from a data breach. Here are some common threats and steps a business can take: 

Read More »