Small Business Insurance That is Competitively Priced and That Provides the Gold Standard in Protection in 3 Fast and Easy Steps

• Complete Quick Quote Form in about 2 minutes
• An experienced insurance agent will call you for phone quote
• Accept quote and coverage confirmation may be emailed in minutes.

Insurance agencies are comprised of agents who act as brokers in selling insurance policies to individuals and entities. Insurance agents may represent one company exclusively or work independently. In the latter case, they choose from a number of companies when matching customers with insurance policies. Besides selling polices, insurance agents prepare reports, keep records and help policyholders settle claims.

General Liability Insurance for Insurance Agencies – Public access is usually limited at insurance agency offices, but injuries can still occur if floors are not in good condition or areas are not well lit. All stairs should have skid resistant surfaces, sturdy handrails, and should be constructed to code. Since insurance agents conduct business off-site, they have the potential to cause damages or losses to third parties.

Professional Liability (Errors and Omissions) Insurance for Insurance Agencies – Insurance agency employees may make mistakes in their daily activities, especially if the agency does not maintain specific policies and procedures, does not maintain regular signoffs or does require regular review of records. Insurance agents face errors and omissions exposures for failure to bind requested coverages, failure to document, and failure to disclose policy exclusions and optional coverages that may be available.

Workers’ Compensation Insurance for Insurance Agencies – Insurance agency employees are subject to office-related injuries caused by repetitive motions. Ergonomically designed armrests and pads should be provided for all keyboards. Employees of insurance agencies should also be careful of slip and fall hazards including phone or electrical wires that transverse walkways. In addition, if work is conducted off-site, they may face injuries at the workplaces of clients or while traveling.

Business Auto Insurance for Insurance Agencies – Insurance agencies may require employees to drive owned, non-owned or hired vehicles for business purposes resulting in an automobile accident risk. MVR’s should be run on all drivers to verify acceptable driving records. Drivers using their own vehicles should maintain a personal auto policy with auto liability limits equal to at least $300,000 combined single limits.

Property Insurance for Insurance Agencies – The property damage risks to insurance agencies is generally the same as any other office. Fires could occur and spread quickly due to the high paper volume. Important items that may be lost include customers’ records and computers. It is essential to maintain off premises computer backups of all data and paper images. The backup systems should be tested often to ensure proper working order.

Crime Insurance for Insurance Agencies – There is risk of employees stealing money from their employers at insurance agencies. This risk is elevated if billing and disbursement is not assigned to different individuals. Also, countersignatures on all checks should be required. In addition, all personnel who cut checks and deposit funds should be required to take a one-week vacation.