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Have Your Business Insurance Policy Reviewed

Joseph Coupal - Wednesday, December 21, 2011

Give your business a gift this holiday season. The gift of a better comprehensive insurance policy. When was the last time you had your business insurance policy reviewed? It could be worth doing.

Every business should have an insurance policy custom-made to meet its needs. This is the advantage to using an insurance broker, we shop around. We can create a policy for your business that is the most economical way to insure your business while offering the best protection.  TriState Business Insurance teams with business owners within all industries to protect your business and your livelihood.

There is no cost or effort on your part to having your business policy reviewed. Simply call TriState Business Insurance and we’ll review your policy for you. If we can come up with a more efficient and comprehensive policy, we will, if not, either way is great for you and your business.

TriState Business Insurance designs custom business insurance solutions that provides business owners with both comprehensive and affordable business insurance coverage, contact us.  

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Changes to Employment Practices Liability Insurance (EPLI)

Joseph Coupal - Tuesday, December 06, 2011

One of the best reasons to use a business insurance broker is because an insurance broker can find great rates for you. The Hartford has made changes to EPLI and TriState Business Insurance wants to bring those to you.

With the number of EPLI claims continuing to rise, small businesses need to make sure they have the right amount of insurance coverage in place to protect them from this real and emerging risk. By decreasing the number of underwriting questions required to purchase increased limits and reducing the minimum premiums for increased limits, it is easier than ever to get the insurance coverage you need.

While, in most states, The Hartford's Spectrum Business Owner's Policy automatically includes $10,000 of EPLI coverage at no additional cost, it may not be enough. Consider...

  • Costs of defending an allegation can add up quickly
  • There is a 58% probability for a plaintiff verdict in employment liability claims¹
  • In 2009, the average settlement award was $363,748¹ (The median settlement award was $95,000¹)

There is no doubt about it -- liability associated with poor employment practices can be costly.

Beginning in December, TriState Business Insurance can bring you the coverage you need. Here's how...

  • Improved competitive positioning on increased limits - offering you the best value for their insurance dollar



     *Minimum premiums may vary due to state requirements

  • Introduction of a $1M limit - offering maximum protection.

Consider increased EPLI limits. We can help protect you by offering solutions that help proactively minimize risks to your business. Contact TriState Business Insurance about EPLI.

Information from The Hartford

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Business Insurance Brokers Have Competitive Rates and Multiple Options

Joseph Coupal - Wednesday, November 23, 2011

There are quite a few commercials and marketing campaigns out there that ask consumers to buy direct from the insurance company. If you can do that, then why buy your commercial insurance from an insurance broker?

A business insurance broker is considered the liaison between you, the client, and the insurance company. This makes the broker unique; the broker works for no one insurance company. A business insurance broker works with numerous insurance companies, offering a competitive advantage to small businesses.

A business insurance broker has one task, to match up your business with the right insurance company and plan. Not the only plan, an insurance broker has many companies and plans to choose from.  A business insurance broker offers competitive rates to business, and we eliminate the need for businesses to use their time requesting multiple quotes.

For information on and examples of the competitive advantage TriState Business Insurance can offer you, contact us.

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