Products & Services

Smaller Commercial Business

If your business insurance needs are relatively uncomplicated and straight-forward, you will likely be best served by the packaged programs and technological efficiencies provided to by our Select Business Unit (SBU).

Generally, SBU’s products and services are well suited for employers with 1 to 50 employees, for businesses with no more than a million or two of annual receipts, and for a company that spends no more than $75,000 in annual property and casualty premium.

In comparison, our larger commercial business division specializes in the demands of the larger business. A larger business, by our model, is defined by more than 50 employees and more than $75,000 in annual premium and fees.

In addition, a company serviced by our larger business division may have some or all of the following characteristics:

• Complicated coverage for property and casualty insurance
• Customized coverages and/or special products to protect from volatile hazards
• Employ people in job descriptions that are considered hazardous
• Millions of dollars in annual receipts
• Require consulting services such as a Risk Audit, Claims Consulting, and/or Loss Prevention