Proven and Trust Relationships
Commercial Insurance Responsibilities
Old Harbor Insurance has proven relationships with several well-known, admitted carriers and numerous specialty markets. Our responsibilities as your agency are to:
We work with you to identify the areas and assets in which your business may have exposure and risk of loss.
Based on our assessment, we work to develop a commercial insurance plan that covers all of your at-risk areas to avoid loss.
We help to maintain your fiscal responsibility through affordable premiums with our respected carriers.
Our Lines of Commercial Insurance Coverage Include
We are the Insurance Legends.
Our Team Is Ready to Work for You
Learn more today about our commercial insurance coverage.
Frequently Asked Questions
How can we help?
Why should I use an independent, local agent?
- No Obligations – We are able to obtain rates from multiple carriers, but remain your single point of contact for anything insurance related. Contrasted with companies such as Allstate, State Farm, Farmers, etc. that are only able to offer rates with a single company. We’re obliged to no one.
- Personal Connection – An independent agent is best suited to accommodate your needs as your business grows. We take getting to know you and your business seriously, so we know how to best cover you and the company.
- Customer Service – We have real people on the other end of the phone and a real office you can walk into. No more 800 numbers with automated prompts, overseas customer service, or being transferred throughout numerous departments. Our number one priority is to serve you.
What should I expect when getting a quote from Old Harbor?
We want to maximize your discounts, minimize your costs, and ensure that the coverage we are offering is accurate. Depending on the coverage we’re quoting for you, you can expect our initial conversation to take 3-5 minutes as we ask relevant questions pertaining to your needs. If you’d prefer to correspond by email, email us here with your needs and we will respond with a list of required information. Whether by phone or electronically, your information is always held in the strictest confidentiality.
What should I do if I need to file a claim?
First, please alert the appropriate authorities. After, please contact our office so that we can assist you with opening the claim. If it is after office hours, please locate your insurance carrier here and contact them directly. Please call back during office hours at your earliest convenience, so that we can assist with expediting your claim and addressing any questions or concerns you may have.
What does Employment Practices Liability protect?
Employment Practices Liability (EPLI) protects you, as an employer, again claims of sexual harassment, retaliation, hostile work environment, discrimination, and more.
What is excluded from my insurance policy?
Each line of business typically has a number of industry-wide standard exclusions. Policy exclusions will always be listed in the policy you receive from your carrier. It is important to review your policy in its entirety. If you have any questions concerning exclusions, please consult with an Old Harbor insurance professional.