Commercial Insurance

• 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 you transition through your life. We take getting to know you seriously, so we know how to best cover you and your family.
• 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.

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.

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.

Employment Practices Liability (EPLI) protects you, as an employer, again claims of sexual harassment, retaliation, hostile work environment, discrimination, and more.

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.