Insured by someone who has filed the claim.
Most agents have read about a liability claim. We've sat on the other side of one. The incident report, the adjuster, the sublimit nobody checked until it mattered. That's the difference between a policy someone sold you and a policy someone built for you.
Four questions decide your whole programme
Everything else is detail. If an agent hasn't asked you these, they've quoted you. They have not covered you.
What could you be sued for?
Not what you own. What a jury could decide you owe. A slip in your lobby, a customer's property your crew damaged. This sets your liability limits, and most businesses under-buy it.
What would you have to replace?
Building, equipment, stock, tools in a truck. The trap is not the limit, it is the valuation. Replacement cost and actual cash value are very different cheques after a fire.
What happens if you can't operate?
The fire is covered. The three months you're closed while it's rebuilt is a different coverage, called business income. Payroll still runs, rent still runs, and your customers go somewhere else in the meantime.
Who else does your contract obligate you to protect?
Landlords, general contractors, franchisors and clients routinely require specific limits, additional insured status and waivers of subrogation. If your policy doesn't match your contract, you've signed a promise your insurance won't keep.
What we write
Independent, so the market competes for your account instead of one company deciding what you're allowed to have.
Contractors & trades
- Certificates same day
- Additional insured wording
- Contract & bid bonds
- Hired & non-owned auto
Restaurants & bars
- Liquor liability
- Equipment breakdown
- Food spoilage
- Delivery exposure
Hotels & hospitality
Where we know the most.
- Franchisor compliance
- Guest property
- Pool & amenity exposure
- Business income
Offices & professional
- Errors & omissions
- Cyber & data breach
- Employment practices
- Business owner's policy
We've stood where you're standing.
A hotel is a liability business wearing a hospitality costume. Someone slips in the lobby. A guest's car is broken into. A pipe lets go on the third floor at two in the morning and you're standing in it in your work shoes.
Every one of those was a phone call we made ourselves, back when we were the general manager rather than the agent. Which is why this conversation goes faster with us, and why we ask things other agents don't:
- What does your franchise agreement actually require you to carry?
- What is your assault-and-battery sublimit? Have you ever looked?
- Is the bar operated by you, or leased to someone else?
- When did an agent last walk the property and ask what could go wrong?
Certificates, same day
The job does not start until the certificate lands, and a wrong one is worse than a late one. Send us the contract requirements and we issue it right the first time — right holder, right wording, right additional insured status.
Sent a list of insurance requirements you don't understand? Forward it. Reading those is the job. We'll tell you what you already satisfy and what you are actually missing.
The markets behind your quote
40+ A-rated carriers across auto, property, small business, contractors, bonds and specialty. If your risk is unusual, the odds are good that one of them writes it.
How we reach them. Some are direct appointments. The rest come through the First Connect agency network. Either way the policy is issued by the carrier and serviced by us.
Access is not a guarantee of an offer. Every market applies its own underwriting, appetite and state filings, and appetite changes.
Tell us what you do. We'll tell you what you're missing.
No obligation, and if you're already in good shape we'll say so. Licensed in Illinois, Maryland and Virginia.