As a business owner you are probably aware of the basic Commercial Package insurance coverage’s available to you:

Commercial Property and Inland Marine Coverage’s
Commercial Crime Coverage’s
Commercial Automobile Coverage
Commercial General Liability Coverage
Commercial Umbrella

However, do you have a complete understanding of why you may or may not need them? Has your agent explained the applicable exclusions relating to these coverage’s? Are your current coverage’s programmed properly? Are you aware of the many additional coverage’s available, beyond what is listed above? Have you taken advantage of the various premium saving opportunities? Do you really have time or want to make time to fully understand these questions?

Probably not. With the profitability and welfare of your company as your main focus, it is imperitive that you hire professionals to manage the details outside of your own expertise. This is where we come in. 

At RJ McConnell Insurance Services, our strength is our focus and expertise. We specialize in commercial insurance packages for businesses in select industries. By targeting select classes of business, we have developed a deep understanding of the specific exposures related to each.

By focusing on commercial package programming, we have developed and maintained an extensive knowledge of the coverage’s available and the proper means of programming coverage to maximize protection, while minimizing the cost. 

In addition, we stay current with industry trends, by visiting every risk personally; insuring multiple businesses in the same industry and getting involved in industry trade associations. We see and talk to the same type of businesses on a daily basis. In fact, we have even been known to spend time as a temporary employee within our clients operations to get a better understanding of their exposures.

As your insurance counselor and adviser, we make sure that all the questions are answered.

Here is Our Promise to you:

To analyze our client’s operations and potential exposures and properly program their insurance policy

To provide advice on alternative programming and premium savings ideas

To review our client’s policies on a semi-annual and annual basis and make appropriate suggestions regarding potential exposures

To provide risk management advice and services to our client’s, including safety-meeting topics, safety manuals, employee manuals, driving policy implementation, forklift safety etc.

To provide exceptional service, including quick turn-around on requests for certificates of insurance and same day return of phone calls

To provide prompt, reliable claims services, including updates on open reserves and an annual analysis of our client’s claims history

Feel free to contact us for an analysis of your current program.