Coverages, Choices, Costs

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Own an old, historical, or premier building? A small fire , water damage, or other loss easily triggers expensive building ordinance costs that could  sideline operations until fixed. Are the Terms adequate for true replacement or are you paying out of pocket? What's the plan?

Profitable orders are great until a sudden & accidental breakdown hits, power surges, or incidents jeopardize critical purchase orders. Are policy terms adequate, or are the customer contracts gone for good? What's the plan?

An earthquake hits; surprise! How protected are your machinery, productivity & profits in a sprinklered building? Is your coverage limit adequate, an expensive standalone, or are operations now a catastrophe? What's the plan?

What services & limits are included in your policy arising out of employment practices disputes? Are Defense Limits paid out of coverage limits? Common allegations include hostile work environment, discrimination, sexual harassment,  and wrongful termination.   Workers Comp doesn't cover these claim types. Ever have EPL claims after layoffs?

An effectively combined Loss Control strategy helps drive down costs in the long run.  Net rate surfing  doesn't advocate value nor reduce the likelihood & impact of the next claim.  Then again, it doesn't matter a bit if there's never a claim... However, if there is no Group Health program, you may find your company is now subsidizing a plan with a costly Work Comp experience mod.

How comprehensively covered are you if your company & client-base files, gets hit with a Cyber-attack? To what degree of protection extends to corporate or client data? What's a good limit to start? With Cyber threats ballooning, how do you really  know? Is the current plan relying on the lowest cut-rate limit & hoping for the best?  Is your server truly partitioned? Got Ransomware coverage?