Commercial Insurance Policies and Insight to Help Your Business Thrive
Is Your Commercial Insurance Providing the Coverage You Need?
Get complete commercial insurance coverage for all aspects of your firm, school, municipality, non-profit organization or financial institution. For over 60 years, we’ve worked with leading insurance companies and businesses across industries to develop innovative commercial insurance solutions.
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Our Commitment to You
Working with the right insurance brokerage can remove the vast majority of your commercial insurance headaches.
Get the Resources to Excel at Your Business
We can help with communications, employee manuals, safety meeting topics and other tools to solve your risk challenges, so you can run your business smarter.
Bring in Claims Reinforcements
We’ve got dedicated claims advocates with decades of experience ready to represent you through the claims process.
Shop the Market for the Best Policies
As an independent broker, we shop the largest and most financially secure insurance companies to give you the best programs, without binding you to one company.
Lower Your Total Cost
We’ll conduct a risk assessment based on your specific business and can recommend internal changes that can make you more attractive to the insurance marketplace.
Stay Informed of Market Updates
We share our knowledge of ongoing updates and legislative developments to help you through changes in your industry and commercial insurance marketplace.
Our Commercial Insurance Team:
Executive Vice President, Non-Profit Specialist
Alison Hicks Beshar
Senior Vice President, Commercial Lines
Commercial Lines Technical Assistant
Assistant Vice President
Betty Lou Furrer
Vice President Business Development
How We Help
Property & Business Income Insurance
Protect for your company’s assets & balance sheet. Business income insurance can help cover the loss of revenues that you sustain due to a covered property loss, and can even help provide coverage for extra expenses that you incur in order to get your organization back up and running.
Directors & Officers (D&O) Insurance
Allow your Directors & Officers to make decisions with confidence. D&O insurance coverage helps to protect your company’s bottom line and your directors’ & officers’ assets, individually, from claims that may allege mismanagement of the organization resulting in financial consequences.
Employment Practices Liability Insurance
With the type of legal employee protections in place, Employment Practices Liability Insurance (EPLI), is essential for any organization. EPLI responds to protect an organization from claims alleging wrongful termination, sexual or workplace harassment, discrimination, failure to employ or promote, etc.
Workers Compensation Insurance
Ensure that your employees have medical care and income continuation benefits in the event of an injury while on the job. An employer’s liability portion of a workers compensation policy can also protect your business from lawsuits for aspects of work-related injuries that may fall outside the scope of the workers compensation statutes.
Commercial Auto Insurance
If you or your staff members use a vehicle for commercial purposes, a standard personal auto policy typically will not extend to cover business-related use of that vehicle. Get protected with a commercial automobile policy.
General Liability Insurance
Building a company takes hard work. Protecting your business and assets from loss is undoubtedly one of your highest priorities, particularly with regard to liability risks, which can be some of the most expensive business claims.
Excess “Umbrella” Liability Insurance
What would happen to your business if something unthinkable happened and the loss exceeded your existing policy? Excess liability insurance is extra protection against catastrophic events that could potentially have a serious impact on your business financials.
Fiduciary Liability Insurance
If you have people managing your 401k, defined contribution plan, or other Employee Benefit Plans, Fiduciary Liability is a must. Managers who oversee your Employee Benefit Plans have fiduciary duties to the plan participants, and can be held personally liable for errors in the administration of these plans.
Cyber Liability Insurance
Cyber liability is a fast emerging area, but the coverage and policy forms are completely non-standardized. Unless your broker understands your unique exposures as compared with the policy coverages, you could be buying a lot of empty promises – and not receiving the coverage you need in the event of a claim.
Errors & Omissions
Protect your business from claims of negligence, misrepresentation, violation of good faith and fair dealing, inaccurate advice, libel and slander. From defense attorney fees to administrative and court costs and settlements, E&O insurance can help cover you.
Business Interruption Policies and Coronavirus
Many organizations have had to close their doors, halt operations or/and reduce the number of customers they can serve at a given time because of the pandemic. Business interruption insurance can cover income a business would have earned if operating normally, but do these policies cover COVID related losses?
We Know Insurance So You Don’t Have To
At Meeker Sharkey & Hurley, we don’t sell you insurance. We help you buy insurance from leading providers. Book a discovery call today to get started.