Our Solutions

Commercial Risk Solutions

Our Commercial Risk Solutions provide coverage that protects your small business from financial damages that can result from property damage accidents, professional errors, workers compensation claims, loss of key employees, and other situations. Having accurate coverage is critical in minimizing the negative impact of claims against your business. We focus on:

  • General Liability
  • Workers Compensation
  • Professional Liability / Errors and Omissions
  • Cyber Liability
  • Commercial Property
  • Commercial Auto
  • Key Person Life Insurance
  • Employee Practice Liability Insurance

Public Risk Solutions

Our Public Risk Solutions provide a highly specialized insurance product designed to manage risk and lower cost unique to public entities. Especially during a downturn when budgets decrease, and operational risks increase.

Government

National, regional, and local governments around the nation

Education

Educational Institutions, Ed-tech companies, and students

Nonprofits

Nonprofits organizations, NGOs and tech companies serving nonprofits

Healthcare

Public sector healthcare organizations around the nation

Life and Retirement Solutions

Term Life Insurance

This solution provides coverage at a fixed rate of premium payments for a period of time selected by the policy owner. This is typically our least expensive life insurance option that can offer a substantial death benefit.

Return of Premium Term

This solution returns the contributed premiums for coverage if the insured party survives the policy’s term, or includes a portion of the contributed premiums paid to the beneficiary upon the death of the insured.

No Medical Exam Life Insurance

While most policies require a medical exam to qualify, we can offer a simplified issued permanent life insurance product that requires no medical exam or blood work.

Indexed Universal Life Insurance

This life insurance solution offers a death benefit coupled with a cash account that can be used to pay policy premiums or take loans and withdrawals based on policy terms. Can be set up as a savings vehicle for our clients, with cash value growth connected to the performance of an outside stock index such as the S&P 500 Index.

Fixed Indexed Annuity

This insurance solution pays a guaranteed rate of interest on the account owner’s premium contributions. Can operate in a similar manner as Indexed Universal Life insurance, where premiums are tied to an index. If you are looking for another source to supplement your retirement income, this may be a good option for you.

Final Expense Life Insurance - Guaranteed Issued

If you are worried about the ability to pay final expenses, such as a funeral, burial, and unpaid medical bills of an older family member in the case of sudden loss of life, our Final Expense Life insurance solution is right for you. With our guaranteed issue solution, no medical is required and rates are predetermined.

Services

Our risk management services provide our clients with a full understanding of their organization’s insurance program. From evaluating the total cost of organizations risk, to providing solutions to help lower cost.

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