We understand the Unique Challenges Business Owners Face
Business owners constantly juggle multiple roles and responsibilities. From ensuring profitability to managing risk, their plate is always full.
Top 8 Common Concerns Business Owners Face:
1
Inadequate Coverage: It's important to pick the right insurance to keep your business safe. Without it, bad things or accidents could cost your business a lot of money.
2
Claims Processing: Asking the insurance company for money when something goes wrong can be hard and take a lot of time. Sometimes, insurance companies can make this process tough.
3
Renewal Challenges: It's important to pick the right insurance to keep your business safe. Without it, bad things or accidents could cost your business a lot of money.
4
Changing Business Needs: As businesses get bigger or change, the kind of insurance they need can change too.
5
Risk Assessment: It can be a huge headache to think of all the things that could go wrong in your business and make sure you have insurance for each of them.
6
Lack of Personalized Advice: Some business owners want someone to help them pick the right insurance. It can be challenging without someone knowledgeable to talk to.
7
Legal and Regulatory Compliance: Businesses need to adhere to legal and regulatory requirements, which can impact insurance decisions.
8
Employee Benefit Packages: Providing competitive employee benefit packages requires selecting appropriate health, life, and other insurance options for employees, which can be overwhelming.
Are You Right For Us?
You are driven by wealth creation, personal fulfillment, the freedom and autonomy that entrepreneurship brings, and the desire to leave a lasting legacy. You’re in this for the long term- and have a healthy relationship with risk. Most importantly, you care about yourself, your family, and your employees.
A common misconception is you’ll pay a larger amount as a commission to the brokerage firm. But you actually don’t - we get paid a commission from the insurance companies. We’ll only recommend plans that are actually right for you.
BENEFITS & MISSION
Why Work With BrokerUnion
The main differences between the big banks and boutique brokerage firms like us are:
1. Number of choices
We shop around to give you the best rate instead of offering you the products of one bank.
2. We build relationships
We’ll sit down and talk with you, and treat you with care and respect. You have a unique situation so you must have a unique solution.
3. Education
We explain this on our about page, but we are really in the education business. Our job is to give you all the information you need to make an informed decision.
4. Confidentiality
Bank employees have to look after the interests of the direct writer whereas a boutique brokerage has no obligation to anyone – therefore we’ll always act in the best interest of our clients. They’ll have to report on accidents and other impactful events to their bosses, which may increase your premiums, but we do not. It’s almost like the confidentiality agreement lawyers have.
5. 25+ licensed and experienced brokers
We are large enough to have experience in any situation, but small enough that you won’t be treated like a serial number. We pride ourselves in both our professionalism and our friendliness.
The main differences between other brokerage firms and us are:
We speak 22 languages
A great insurance plan is personal and unique, therefore communication must be extremely accurate.
Our Own App
We have our own app for all policy letters, communications, documents, pink slips, etc. Even if you switch carriers, it’s all on one app, which makes things very convenient for you.
Dedicated Customer Service Team
Dedicated customer service team – so that even in off hours, you won’t be left talking to an answering machine.
2022 IBAO Brokerage Of The Year
2022 IBAO Brokerage of the year (category under 25 brokers). To achieve that, we’ve prioritized the core of what makes a good brokerage – choices, education, and service. If we learn of a new way to get clients better coverage, or at cheaper rates, or with less time/effort invested by them, we’ll adopt it because we always put our clients first.
Choices
We have a very extensive list of carriers we work with. That lets us find you a plan that’s very custom to your needs.
Experienced Professionals
We have relevant experience. We’ve helped 5800+ clients with their auto insurance in the past 3 years.
Not everyone has access to the same carriers - we have access to multiple top carriers as well as dozens of carriers that cover almost all situations
WHAT WE OFFER
Products For Business Owners
Commercial Auto Insurance
Are you powering your business on the road? Enhance the safety and efficiency of your commercial vehicles with our tailored auto insurance solutions. Drive your enterprise forward, knowing every mile is backed by comprehensive coverage.
Commercial Property Insurance
Are you safeguarding the foundation of your business? Protect your commercial property with our specialized insurance solutions, ensuring your assets and operations remain uninterrupted.
Commercial Property Insurance
Are you safeguarding the foundation of your business? Protect your commercial property with our specialized insurance solutions, ensuring your assets and operations remain uninterrupted.
Errors and Omission Insurance
Are you taking measures against potential professional oversights? Secure your reputation and operations with our Errors and Omission Insurance, tailor-made to defend against claims of negligence or inadequate work.
Garage Insurance
Are you running a garage or automotive service? Safeguard your business operations, from tools to customer vehicles, with our comprehensive Garage Insurance.
Imagine Your Business Journey With Us
Startup Phase:
Secure your initial investments with the right coverage from the start.
Growth Phase:
As you expand, we'll ensure your insurance keeps pace.
Maturity Phase:
As you mature, you’ll need ongoing risk management and periodic policy reviews to ensure that your coverage remains relevant as your business evolves.
Expansion Phase:
If you expand geographically or into new markets, you’ll require additional coverage and risk assessments.
Industry-Specific Solutions:
From tech to manufacturing, we have specialized solutions for your niche. For example, technology companies might require cyber liability insurance, while manufacturers might need coverage for product liability.
Challenging Economic Times:
If you expand geographically or into new markets, you’ll require additional coverage and risk assessments.
Family Businesses:
Businesses passed down through generations might require specialized insurance solutions that protect the interests of both the business and the family.
Let's Secure Your Business Together
With our solutions, you can confidently focus on growing your business, knowing that your insurance needs are taken care of. Your success is our mission. Let’s build a secure and promising future for your business, together.
Our Happy Customers
What Exactly Does An Insurance Brokerage Do For Business Owners?
1. Customized Solutions
Brokers tailor insurance packages to match the business’s size, industry, and budget, ensuring that coverage is neither excessive nor insufficient.
2. Policy Understanding
Brokers explain complex insurance terms and policies in simple language, ensuring business owners understand what they’re purchasing.
3. Risk Management
Brokers offer risk management strategies to mitigate potential risks, helping businesses prevent losses and claims.
4. Comparative Analysis
Brokers compare quotes and offerings from multiple insurance companies to find the most competitive rates and suitable coverage.
5. Bundling Benefits
We are large enough to have experience in any situation, but small enough that you won’t be treated like a serial number. We pride ourselves in both our professionalism and our friendliness.
6. Claims Assistance
Brokers guide business owners through the claims process, providing support to ensure timely and fair claim settlements.
7. Claims Prevention
By addressing potential risks and gaps in coverage, brokers help prevent claims from arising in the first place.
8. Advocacy
Brokers act as advocates on behalf of the business during interactions with insurance companies, ensuring fair treatment and resolution of issues.
9. Market Insights
Brokers provide insights into industry trends and insurance market changes, helping business owners make informed decisions.
10. Savings Opportunities
We are large enough to have experience in any situation, but small enough that you won’t be treated like a serial number. We pride ourselves in both our professionalism and our friendliness.
11. Regulatory Compliance
We are large enough to have experience in any situation, but small enough that you won’t be treated like a serial number. We pride ourselves in both our professionalism and our friendliness.
12. Education
Brokers offer workshops and resources to educate business owners about insurance basics, coverage options, and risk management.
13. Emergency Support
Brokers provide immediate assistance during emergencies, guiding businesses on initial steps to take after a loss.
14. Digital Tools
Brokers offer digital platforms for policy management, making it convenient for business owners to access and update their coverage.