Your business is too important not to protect properly. Business insurance is a way of protecting you and your business from financial losses. It is a type of risk management for your company which hedges you against possible risks or losses.
Fill out a few quick questions to give our agents an idea of what you're looking for and they will be in touch with you shortly to run an audit on your current policy and coverages.
Your business is growing and as you start your business you may have been unsure of the coverages required and costs. SIM agents will always monitor your growth and advise you on what coverages should be changed or if better products can further protect your business and cash flow. We treat every small business like a large operation to ensure you have your risk coverages on point.
Your business made it from start-up mode, or you purchased a business with the business capitalized and cash flowing; your focus is on profitability for a return on your investment. The work that it took to get there is important and you need to protect that investment, including your time. We understand this and will help protect your investment:
You are a company that is in a category where competition, costs, employees, and growth get more complicated by the day. You are in between small companies and large corporations. It is hard to be heard with government programs and regulations, though they demand a lot with policies and taxes at every level. Furthermore, risk management becomes more costly and insurance policies enter a new category with higher costs. The focus on insurance becomes more of a responsibility, and we are here to help:
With our specialized services, we offer coverages and services to clients that surpass $50 million in annual sales and have over 100 employees. The complexity of growth, projects, employee health, and safety are vital in maintaining a business of any size, especially those in competition with large public entities. We take a different approach to your risk and operate as a partner to your business.
Changing from private to public, reverse merger, or full acquisition of a public entity will complicate your risk management accountabilities. Our team will audit your past and evaluate your future needs beyond your initial launch, to meet all risk and compliance. Experience, access, and our tireless work ethic will be required to meet your timely deadlines and precision as you catapult your business within the public capital marketplace.
In our complimentary risk triage, we will make sure our firm and our diverse resources will be a good fit for your current and future IPO or current public company risk management.
It is hard for a business owner to think of the worst when trying to start or scale a business. The idea of an on-the-job injury is terrifying for many reasons; pain caused to an employee, the reason why it happened, fault, and whether your business will be at risk from injury or death.
As business owners, we also look at the cost, which can be high premiums for a start-up or because of a previous injury. On one hand, we have to the look at the cost, on the other hand we must make sure an injury does not end your business, but still be able to afford the mandatory premium despite your genuine care for your employees.
We are here to guide and help you through injury prevention, coverage, managing reports, EMR/modification, and most importantly, claims management.
It is a coverage that is not to be neglected and can really save your business and make sure your businesses and personal assets stay protected depending on your corporate classification.
A bond is a relationship between three parties, though administered generally through insurance brokers and carriers, they are a financial tool where the business owner or person guarantees their defined promise of that bond.
They can seem confusing, as the cost of the bond is vastly different than what the bond promises. That gap is provided by the surety provider, giving you a credit line to maintain cash flow and not tie up valuable assets. They will provide a financial guarantee of your promise to your customer, or government agency, and will pay them if you fail. Once this happens you will be obligated to pay the financial promise to the oblige (the customer, or governmental agency).
This is serious business, as a failure could jeopardize your business future, business and personal assets. It is important to maintain strong credit and understand your bond contract. Failure to do so can be expensive and if you don’t understand the job, you could be making considerable risks when limited in experience, as there are many unknowns. It is very important to not make promises to work that is unknown, as a bond will make you obligated no matter the situation.
How we can help you:
Call us or click here for your free consultation and quote.
Protecting you and your employees
We partner with you to institute and execute a benefits program from your employees that will not break the bank.
Taking care of you and your loved ones
We help you have the difficult conversations to ensure you and your loved ones are properly protected for the unexpected.
We assist you with what matter most
We know it can be frustrating to find the right company for your personal lines of insurance, that is why we find you the best coverages and rates.
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