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commercial broker insurance

Insurance for All Types of Businesses

No matter what industry your business is in, you need insurance coverage that protects you, your employees and your business. Commercial broker insurance provides policies designed for your business that offer both standard and specialized coverage options.

Products Made for You

Every business faces risks, but some are industry-specific and require customized insurance policies to mitigate those risks. Working with experienced insurance agents means your commercial insurance policy can be based on your needs and provide coverage that lessens the threats you face. There is a range of standard and specialized policies available for your business to choose from, including the following:

  • Workers compensation
  • Commercial auto
  • Inland marine
  • Builder’s risk
  • Liquor liability
  • Products liability

An insurance agent can develop a policy that takes into account your business, your industry, and your needs, so the end result is a tailored policy that provides ample protection. No matter what your risks are, there is a policy that can protect your business in times of need.

Insurance Solutions for Your Business

Whether your business is in a niche industry or a standard one, commercial broker insurance policies can provide the level of protection you need to operate your business safely and without worry. When you’re covered, you can confidently offer your services and products with peace of mind.

miller hanover insurance

How Leadership Impacts the Insurance Industry

In recent years, the leaders of major corporations including the insurance industry have come under question. Many global institutions are continuing to experience the effects of the 2008 Great Recession on trust. The leaders at Miller Hanover insurance strive to think outside the box when it comes to insurance. New leadership models are on the rise to combat this trend.

Influencer Changes

More people seem to rely on their peers rather than executives for information. Companies may need to adopt a more horizontal approach to leadership rather than the traditional top-down approach. Leaders need to continue to provide a sense of direction with clear, direct reasons that incorporate shared values.

Authentic Leaders

An authenticity is now a powerful tool for leaders in the insurance industry. A company that values relationships that are honest with clear communication may do better than those focusing only on traditional means.

Effective Communication

Rarely has effective communication been as important as it is now in leadership. Employees and consumers want information on nearly every decision made. Moving people toward a common goal needs communication that is direct and clear.

Finding a company like Miller Hanover insurance allows your business insurance needs to be met. Effective leadership says a lot about the company you entrust your money with. Make sure they have the qualities you need to move into the future.

car insurance ct

Types of Car Insurance Coverage

If you’ve purchased a new car, then you already know that auto insurance is a must-have. What you may not know, however, is what types of insurance are available to you. When shopping for car insurance CT drivers trust, here are some of your options.

Liability Coverage

Liability coverage helps pay the costs related to injuries if you are responsible for an accident. Likewise, it can pay for the property damage involved. These are split into two categories:

Bodily injury liability

Property damage liability

In Connecticut and many states, liability coverage is a requirement.

Uninsured Motorist Coverage

What happens if you’re in an accident and the other driver does not have insurance? They may not be able to cover your resulting medical bills! Uninsured motorist coverage helps fill in the gaps.

Collision Coverage

Collision coverage helps pay to repair or replace your car. This coverage is valid for accidents with other vehicles and accidents involving objects. While this is normally an optional coverage, you may not have a choice if you lease a vehicle.

Investing in car insurance CT drivers use is a lot easier when you know the types of coverages available and what these coverages protect. With all of the different policies, it’s crucial to have something customizable to your situation.

rooney associates

Insurance You Can Rely On

Acquiring insurance of any type can be a stressful experience. With complicated contracts and dozens of policies to consider, it is no wonder why many American don’t have the right coverage. Thankfully, Rooney is here to save you from subpar protection and expensive rates. Decades of industry history and talented staff make this independent agency the right choice for both individuals and businesses. Here are a few reasons you should start working with Rooney associates today.

1. Personalized Care

In many agencies, you don’t actually come in contact with an employee until it’s time to make a claim. Not at Rooney. Rooney associates handle each case personally and take the time to assess the needs of each and every client. Agents know your case is different from the rest. This approach allows employees to offer you a plan catered to your situation. Say goodbye to unnecessary policies and rates.

2. Proficiency

Rooney provides excellent services and solutions for families and businesses. Whether you are searching for workers’ compensation or for individual auto insurance, Rooney associates can help. This agency also offers employee benefits and surety insurance.

3. Smart Carriers

As an independent agency, Rooney has worked hard to establish relationships with numerous carriers in the area. This allows Rooney associates to bring forth to you lines that are customized and that are at the best prices possible.

Contact Rooney’s office to learn more!

Linen Rental Insurance

Linens for Special Events

Linens for Special Events

If you are in the event planning business, then you understand just how important it is to have high-quality linens to create the proper ambiance. Whether you are helping to plan a wedding dinner, a birthday bash or a formal charity event, it is non-negotiable to have the professional linen service to help you set the tone for whatever you are planning. If the venue you are working with does not provide linens or only has a limited selection, you may find yourself needing to contract another vendor to provide this service. When canvassing your options, it can be helpful to choose contractors who demonstrate signs of having a high level of professionalism, such as having linen rental insurance and other necessary safeguards put in place.

Responsibilities of a Professional Linen Service

If this is your first time working with professional linen services, you will learn quickly how these types of businesses contribute to the success of your event. With the right contractors, you can feel confident that your event will be provided with clean, sanitary and coordinating tablecloths, chair covers, napkins, and decorative accents. A good linen service will ensure that you have everything you need to create interest, depth, sophistication and whatever qualities you are trying to exude for your client at their event. Because professionals have linen rental insurance, it can also be reassuring to know that any unforeseen circumstances will be strongly backed by a policy that can make a solution easier to achieve.

marine repairer insurance program

Unique Risks in Boat Repair You May Not Think About

If you have a boat repair service, you likely understand the many aspects and complexities involved in your business. For those reasons alone, it’s easy to see why a general liability policy is likely to struggle to cover all the possible risks that you may face. However, if you are still unconvinced to seek out a marine repairer insurance program with a knowledge and understanding of your situation to fully protect your business, then here are some current liabilities in boat repair that many general liability policies don’t cover.

Bad Weather

Even in rather intense storms, many businesses don’t see much damage done to theirs or someone else’s property. However, boat repairers are on the water, likely with equipment and many boats at the docks in their care. Winds and rain can cause severe changes in the tides and waves, leading to damage. A marine repairer insurance program can have coverage for these situations, while general liability likely cannot.


While boats may be surrounded by water, fire is the most common case of loss when it comes to the boating industry. Engines, machinery, electronics and more can all cause fire on the dock and within the cabin, leading to much damage in a short amount of time.

Distant Repair

Some services for boats have the option to travel out for repairs. Many property damage policies only cover anything at the address of the office, but marine repairer insurance program can extend the coverage for these distant repairs, as well as the vehicles for travel.

Insuring Your New York Business With Appropriate Coverage

You have already made a wise move by operating a business in New York. Its varied industries, amazing tourist destinations and diverse population give you ample opportunity to succeed in your venture. Unfortunately, without the right types of insurance lines, you may see that the commercial dream cut short. If you’re a business owner in New York and deal with cargo shipments, you’ll need New York marine and general insurance that can handle the risks associated with this type of business.

Securing Overseas Loads

Marine insurance is relevant to any state with business-related ports. This coverage takes care of the expenses regarding damage to ships or loss of cargo. It can also help with damages to certain terminals. While it may seem like smooth sailing at first, an experienced seaman can agree that storms and accidents are another part of sea life. With marine insurance, you can protect important assets during their travels.

Handy General Coverage

A business owner can never go wrong with a general form of insurance coverage. This includes general liability coverage which handles the expenses brought forth by third parties who are injured on your or by your property. A policy like this can save you in a pinch.

If you are interested in learning more about how you can protect your business, inquire with an agency that offers New York marine and general insurance.

Top Benefits of Bundling Your Corporate Insurance Policies

Running a business comes with a variety of concerns, issues and decisions. Insurance products protect the business’ financial assets in the event of a lawsuit or accident. Choosing which commercial policy in Glen Rock to get doesn’t have to leave you scratching your head. Bundling your various insurance policies together comes with many benefits.

Save Money

Much like bundling your personal homeowner’s insurance and auto policy together can save you money, bundling your business insurance plans can save you money. Every little bit of saving counts when you are running your business.

Risk Assessment

When you only have one insurance agent to contend with, they have a better opportunity to get to know you and your business. They can help you with your risk assessment plans to ensure you have the right coverage options.

Less Hassle

Working with one insurance company gives you one less thing to worry about. If a claim is filed, you only have one person you need to call. You save time and hassle not having to figure out where your policies are because they are together.

While a small business may only need a single commercial policy in Glen Rock, mid-sized businesses need a variety of strategies to cover their exposures adequately. Choosing a package can save you time, money and hassle. One less thing on your mind lets you spend more time doing what you love.

the personal insurance claims

How to Choose the Right Individual Insurance Plans

How to Choose the Right Individual Insurance Plans

If you run a business or work outside the home is likely that you have exposure to insurance for businesses on either end of the transaction. That is because in many cases it is essential for avoiding costly claims that can undo the efforts and profits made by these organizations. However, it is not only the corporations and large entities that need insurance. For most of your adult life, you likely learn right away that investing in insurance is not only wise but mandated by law in a variety of circumstances for the personal insurance claims you can potentially have. Since a single plan may not meet all your needs, you will likely need several.

The Shopping Process

Depending on your circumstances and lifestyle, you will need to evaluate which aspects of your life need insurance. Some common ones are for the following:

Home or Rental

Personal Automobile

Natural Disasters

You may also need additional plans for other activities in which you participate. For example, if you like to go sailing, then boat insurance might be mandated. Or if you are an individual contractor, you might seek coverage to cover the personal insurance claims that may arise. Regardless of your situation, speaking to a qualified agent can help you determine the best plans for your needs, and identify any gaps that might need specialized coverage.

Protecting Your Business Against The Public

Protecting Your Business Against The Public

Operating your own small business is a fulfilling venture. This is why you should take every step to protect your hard-earned assets against any future lawsuits. One way to do that is to acquire powerful public liability insurance. Pli insurance is a type of coverage that benefits small businesses and self-employed workers the most. Here is everything you need to know about this amazing insurance.

What Does It Cover?

This coverage handles the costs involved with lawsuits made by the public. These claims include things like bodily injury and property damage. Much like general liability, it can assist with the legal and court-related expenses.
Who Should Purchase?

Pli insurance is beneficial to any business that encounters the public at any point. You simply never know when someone could get hurt. However, this coverage is best for smaller businesses as their limited coverage may mean lower rates.

How Does It Differ From General Liability?

General liability encompasses a wider array of coverage than public liability insurance. General coverage can help with claims made by employees and other vendors. This increased coverage means higher rates. Therefore, if you have a small business then you may be better off with a basic pli coverage.
If you are interested in learning more about this vital policy, contact an insurance professional to get your business on the right track.