Making More Effective Business Decisions

Business is about getting the job done. As a triple licensed experienced insurance broker, we can support clients with clear recommendations for necessary coverage from a broader more holistic risk perspective.  Integrating a method of transferring risk is the most requested service we offer.  The additional value that the premiums buy supports more effective decision making... when informed. 

Corporately held Life Insurance - is about tax not death

Life Insurance as a strategic element in any individual or business plan is about more than just life death and debt.  Its about tax, investment stability, leverage, and creditor protection.  Its about taking risks with better odds of success than the others.  Its about an informed purposeful plan with fewer variables, and greater certainty. 

Group Insurance and Living Benefits

Group and individual Living benefits are widely subscribed and commonly claimed.

Group benefits, tailored to the client's specific needs is unique but easy to do.  No dental for dentists, no optical for opticians - Simple.  Its about affordable premiums.  How about accident only disability for contractors.  Yup got that too. 

General Property & Casualty Insurance

General P&C Insurance is something everyone needs. It used to be about lower premiums, and while everyone likes a low premium, its about getting an insurer to accept your risk, and its about getting claims paid when catastrophe happens.  Don't ever wait in on hold after a storm.  Service is the difference. 

Commercial Insurance & Surety Bonds

Commercial coverage is critical to your business operations.  Business Planning also requires a strong understanding of current and future values, ensuring coverage keeps pace.  Right sizing the coverage, managing insurer's "claims experience" and the details associated is just part of the integrated approach. 

Are your suppliers, customers and subcontractors appropriately covered.  How do you know?  What's your exposure?  Does it make sense to ask?

Ever signed a contract... Ever had a contract fail... Surety or Bonding is the guarantee of fulfillment backed by a financial penalty or incentive.  Bonded companies are more credible and reliable, and companies with a great track record, with no surety, do not get noticed.