- Need accurate Certificates? – We’ve got you!
- Tired of the endless paperwork? – 90% of what we offer is paperless!
- Need help meeting contract insurance requirements? – We handle the insurance side so you can focus on your craft!
- Want coverage that can grow with your evolving business? – GL, WC, Commercial Auto & Bonds are a walk in the park for us!
We make Contractor Insurance easy. Just provide us the information we ask and we take care of the rest.
While we can insure just about anyone or anything, we do best with the types of business listed below;
- We specialize in helping those businesses that have outgrown their current insurance provider and are ready to put their insurance burden on the shoulders of true experts.
- We do help businesses that are in the beginning stages and that are open and ready to receiving professional guidance.
Save time, money and get peace of mind with a professional Business Owners, Commercial General Liability, Professional Liability, Contractors General Liability or Workers Compensation Insurance quote from TCS Insurance Brokers.
What’s the advantage of using a commercial insurance broker?
Insurance was never meant to be easy to understand but having experts on your side can make it painless.
As brokers our responsibility is to our clients. We negotiate terms with the insurance carriers on your behalf and we guide you from the start when choosing the right coverage and stand by you when there is claim. Since we represent multiple insurance companies, we have a vast knowledge and understanding of their claims practices. Which is key when a serious accident occurs. – Not all insurers play by the same rules and only a knowledgeable insurance broker can guide you!
What are coverages and limits I should be looking for in a complete business owner and workers comp policy?
Coverage limits refer to the maximum amount the insurance company is obligated to pay on your behalf for an accident you or your employees are found to be at fault for.
Most Commercial leases require a minimum amount of coverage to indemnify the landlord. Usually a minimum limit of $1,000,000 liability coverage per claim and $2,000,000 aggregate limit.
A Construction Contractor may require higher limits depending on the jobs he or she is taking on. An Umbrella or Excess Liability policy might be needed if limits higher than $1,000,000 per claim.
A Business Owners Policy might provide Business Personal Property to cover damage to your equipment, supplies, inventory and furniture at your place of business. As well as Improvements & Betterments coverage to cover for any upgrades you have performed to the leased premises.
Loss of Income is a coverage that replaces your lost sales or income after a covered loss. You can have this coverage as a Net or Gross payout.
If you have volunteers or employees you are required to provide Workers Compensation coverage to pay for any injuries they might suffer. Most states require a minimum coverage limit of $1,000,000 per claim. However, the coverage limits should for employee injuries can exceed this basic $1,000,000 limit and a quality Umbrella is recommended. Also, Workers Comp. does not cover employee hiring, training and managing risks and that is why a Employers Practices Liability policy should be considered.
General Liability can be considered the slip, trip and fall coverage. While Professional Liability is to pay for injuries caused by advise or equipment provided to the consumer. However, in today’s technology driven society we now recommend that all businesses also carry Cyber Liability to protect against the lawsuits and expenses that arise from client’s compromised data, medical or financial information.
Our approach is unique when it comes to commercial insurance. We make it easy by asking all the right questions up front. We do all the work of finding you the perfect program to meet your current needs. As your business grows we provide you the most cost effective solutions that will evolve with your business!
Our help is just a click away. Contact us and get expert help with your general liability, business owners, professional liability, bond or workers compensation insurance.