At its heart, commercial liability coverage is about caring for your customers and making things right when someone or something is hurt or damaged by you in the course of your business. Our wish is always that those types of instances are as infrequent as possible. However, when they do happen, we make sure the insurance company makes it right and you are able to set the stress aside and focus on running your business.
As you look deeper and deeper into the liability insurance landscape, it is not a pretty picture. Rising litigation costs, larger jury awards, difficult labor markets and increased frequency of lawsuits all factor into rising liability premiums. Here at the Brooker Insurance Agency, we take liability service to another level. We believe our job is to protect you with our policies and serve you with our people. Liability certificates provided faster than our competition, coverage questions answered with real life examples instead of hypothetical scenarios, and liability classifications that match your true work profile.
Do you have a liability claim story that you would like to share with an expert? Give us a call and we would love to hear what you’ve been through and how you have come back from it. Or if you are still working your way back, let us see if we can help get you there. Insurance agents are supposed to fight for their clients, not abandon them the moment they have a claim. We will work with you to mitigate any future loss and document safety measures taken that the insurance company should credit you for.
Outside of your general liability limits, there are plenty of coverages that are becoming more and more important such as:
Umbrella insurance is another layer of liability that business owners need but is often presented as a one size fits all coverage when that is simply not the case. Umbrella liability limits may change as your business grows or as required by law or a specific customer of yours. Don’t settle for a surface level discussion on this topic. We believe the right way is the only way and if you need something, we will make sure it gets done right the first time.
Navigating all of this can be a mess without a trusted advisor who knows the liability insurance landscape and has the right relationships to build a solution for you. Invite one of our agents to sit with you and explain why we believe we can be the agency your business depends on for years to come.
