Commercial Auto - Property - Workers Compensation
Providing Everything You Need
Commercial Auto
Our approach to commercial auto isn’t just about shopping rates—it’s about managing risk before a claim ever happens. We guide clients through when to file and when to self-insure, keeping their loss history clean and rates stable. We help you stay ahead of pricing trends in a volatile market by proactively marketing your policy to the most competitive carriers. We also implement tools like IntelliCentrics or similar telematics to monitor fleet safety and prevent claims before they happen. To further protect your business, we offer pre-hire motor vehicle screening to ensure you’re putting the safest drivers on the road. By combining proactive risk management with smart market access, we help keep your commercial auto costs down while maintaining strong protection.
We Protect Inventory On the Move
Distributors don’t operate from behind a desk—your inventory travels with you, whether it’s in a rep’s trunk, a van, or a warehouse miles from HQ. That’s why our property program includes boosted limits for inventory in transit and at off-premise locations. Traditional policies often exclude these scenarios or require confusing add-ons. We eliminate the guesswork by building in the coverage you actually need. Whether a set is stolen from a vehicle, damaged in transport, or there is a fire at a hospital, your coverage responds. We’ve tailored our limits to reflect the real claims we see—reps driving to cases, trays being dropped, water-damaged boxes in storage, or lost shipments. It’s all part of protecting your mobile business without gaps or surprises.
Smarter Workers Comp, Lower Cost
Our Workers Compensation strategy is built specifically for life science distributors—and it saves you money year after year. We’ve developed strong relationships with underwriters across every major market who understand how our clients operate. These underwriters trust our classification process, which allows us to rate your policy more accurately and aggressively without sacrificing protection. We don’t rely on cookie-cutter class codes that inflate premiums. Instead, we match each role within your business to the correct rating structure, avoiding unnecessary costs and misclassifications. Whether your team includes drivers, warehouse staff, or OR-based reps, we structure your comp program to reflect the actual risk. Most brokers simply push quotes. We work within the system to build lasting savings. Our clients regularly save thousands—and we haven’t even shared all our secrets.