Business Insurance Needs with Perkins Insurance, LLC

Protecting the physical property associated with your business.

Property insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items. Property insurance may cover two types of property losses: Direct losses may be covered when property is lost, stolen, damaged or destroyed. Indirect or consequential losses related to direct losses may also be covered.

Protecting your business against claims made by others.

Casualty insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties. Policies provide coverage for liability arising out of: operation, damages to premises, personal injury, medical payments, etc. Consider a business owners package which combines your liability, property and other types of coverage into one comprehensive policy, which saves time and money.

Protecting your business owned autos.

Business auto coverage insures vehicles that are owned, leased, hired, or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business auto coverage may be used to insure: private passenger autos, trucks, trailers, semi-trailers and more. Whether you have 1 or 100+ business owned autos, we can give you details about specific coverages/deductibles and tailor a business auto plan that’s right for your business.

Protecting your business against employee injuries in the workplace.

Workers’ compensation insurance premiums can be costly. Direct costs are made up of medical expenses, costs for legal services, indemnity payments and rehabilitation. Indirect costs are not covered by your policy and they come out of your bottom line. Some examples of indirect costs are training replacement employees, accident investigation, and even poor community relations or an injured business reputation.

Protecting your business against electronic attacks.

With the advancement of electronic communication and the need for businesses to have a cyber presence through their website, email, E-commerce and other means, the risk to businesses through Cyber Exposures have become a key factor in most every industry. What are some activities that create cyber risk? Here are just a few: use of email, support of webmail, internet service providers, electronic storage of customer information, storage of third-party trade secrets and data, online advertising and marketing, website design, development, and e-commerce.

Protecting your employees by tailoring the right plan.

Our team keeps its finger on the pulse of trends and strategies that can help your business remain competitive in today’s job market. Offering an easy-to-understand, fair, well-organized benefits package is a must for retention and recruitment of your most valued asset – your employees. Products available include but are not limited to: Insured and self-funded health plans, Group Dental, Vision and Life Insurance products, Disability income plans, Voluntary benefits such as Accident, Hospitalization and Medical, Supplemental plans, Cafeteria plans and more.

Services available from Perkins Insurance include but are not limited to:

• Assist with renewal negotiations

• Review any benefit plan changes as necessary

• Assist with claim, enrollment or billing issues

• Open enrollment meeting and communication assistance

• Overall plan communication and assistance

• Assist in setting up COBRA administration if needed