Business Insurance

Protecting your business


 
As your Trusted Choice Independent Insurance Agency, our team at Perkins Insurance Agencies, LLC is dedicated to being your trusted partner, providing our clients with Choice, Policy Customization and Consumer Advocacy! In a highly competitive insurance marketplace, remaining dedicated to these principles provide our clients and prospective clients the knowledge you need to make informed insurance purchasing decisions, with policy coverages tailored to meet your needs. Rest assured with Perkins Insurance Agencies, LLC you have a team of experts working for you!

Whether you’re seeking protection for your business through one of our general business insurance markets or through one of our industry specific programs, we have your business protected with commercial auto, property, worker’s compensation, general liability, umbrella/excess liability, business owners, cyber liability, professional liability and employer benefits insurance, and much more. With the ability to customize your insurance program to fit your needs, we can be your one-stop source for a full range of insurance products.

Getting a quote is easy - just give a call to one of our experienced staff or fill out one of our free no-obligation quote forms and you'll be on your way. So contact us today and let us answer your insurance questions.

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.

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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:

  • The Business’ Premises and operation
  • Damage to Premises you rent or Lease such as fire damage liability
  • Personal and advertising injury
  • Medical payments to others
  • Products/completed operations

 
You may want to consider a business owners package which combines your liability, property and other types of coverage into one comprehensive policy, which can help you save time and money on your total insurance program. And since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a commercial umbrella policy. We can tell you more about these plans and if they make sense for you.
 
 
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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 .
  • All types of trucks, trailers and semi-trailers.
  • Other commercial vehicles designed for use on public roads.

Whether you have 1 or more than 100 business owned autos, we can give you more details about specific coverages and deductibles and about tailoring a business auto plan that’s right for you and your business.
 
 
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Protecting your business against employee injuries in the workplace.


 
Workers’ compensation insurance premiums can be costly for employers. The real cost of a workers comp injury includes direct and indirect costs.

  • Direct costs are made up of medical expenses, costs for legal services, indemnity payments, and rehabilitation.
  • Indirect costs of workplace injuries are more damaging, they are not covered by your workers’compensation policy and they come out of your bottom line. Some examples of indirect costs are training replacement employees, accident investigation, repairs to damaged property or equipment, and even poor community relations or an injured business reputation.

The Cost of Claims Calculator can help you determine the direct and indirect costs of on the job injuries: Cost of Claims Calculator

A simple cost calculator puts both costs into perspective. The average work related injury results in $25,000 in direct costs will have indirect costs of $27,500 based on industry studies. A company with a 4% profit margin would need to make nearly $1.3 million in additional revenue in order to offset the direct and indirect costs of just one injury. This is important information your managers and supervisors need to understand. At Perkins Insurance we can provide this valuable work comp training.

A particularly helpful tool employers can use to estimate the cost of an injury in the workplace is the Safety Pays worksheet provided by OSHA. The worksheet allows you to select a type of injury from the drop down menu, enter your profit margin and the number of injuries.

When it comes to protecting your business against employee injuries our team of professionals can provide a number of solutions to help you prevent employee injuries, mitigate employee’s lost time due to injury and minimize the impact to your business as a result of employee injuries, helping to lower your workers comp cost.
 
 
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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 Activities Create Cyber Risk?

  • Use of email
  • Support of webmail
  • Internet Service Providers
  • Dependence on network services
  • Electronic storage of customer information
  • Storage of third-party trade secrets and data
  • Online advertising and marketing
  • Website design, development, and e-commerce
  • Website activities (content, links)
  • E-commerce
  • E-brochures/E-catalogs
  • E-bill payment
  • Internet/digital media
  • Electronic bulletin boards or social interaction

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Tailoring the right plan for your employees


 
Change is the one constant in the insurance and financial industry. That’s why 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. And the long list of employee expectations such as health, life, disability, and long-term care now also includes various financial benefits. It’s a tall order no matter how you look at it, which is why collaborating with an expert is so valuable.

Our team is ready to explore your needs and identify options that fit your business’s culture and budget. Products available from Perkins Insurance Agencies, LLC 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
  • Long-Term Care Insurance

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

  • Assist with renewal negotiations
  • Review any benefit plan changes as necessary
  • Answer administrative questions
  • 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

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