Business Insurance

Commercial insurance offers the essential coverage you need to protect your company. Whether you’re a small business or large corporation, we can help you design a commercial insurance program to meet your needs today and in the future. We’ll work with you to determine the appropriate level of cost-effective coverage to protect your business from risk. We customize a plan the offers you the broadest range of coverage for your business.

Property

Business Interruption
Crime
General Liability
Marine – Inland and Ocean
Workers Compensation
Automobile
Umbrella
Cyber Liability
Directors and Officers
Fiduciary Liability
Employment Practices Liability

Banks
Bankers Professional
Lenders Liability
Trust E & O
Foreclosed Property
Financial Institution Bonds
Kidnap and Ransom

Construction
Owners Contractors Protective Liability
Builders Risk
Pollution Liability
Architects and Engineers Professional Liability
Railroad Protective Liability

Manufacturers/Printers

Equipment breakdown coverage
Data processing equipment
Errors and Omission
Product recall
Correction of work

Executives and key employees require unique insurance programs. Their needs exceed the level of group benefit plans and require a custom benefit strategy. Without it, a company may find it challenging to attract and retain top talent. Businesses also must mitigate the effect of potential lawsuits and claims with the aid of executive liability insurance coverage.

Executive liability generally protects:

• Directors and Officers
• Employment Practice
• Fiduciary Liability

Professional liability insurance provides the protection you need when a legal matter is raised for errors, omissions, or the failure the perform work.

General commercial liability insurance does not cover you or your company against claims arising from negligence, malpractice, or misrepresentation.

Professional liability coverage is recommended for:

• Architects and Engineers
• CPA/Accountants
• Lawyers
• Medical Malpractice
• Technology

The Rowley risk management team simply doesn’t exist anywhere else. Our risk specialists have more than 25 years   of experience in  protecting you and your business from exposure and claims.

Our proactive approach involves working with you to gain a full understanding of your unique culture and needs. We customize a risk mitigation plan and ideal coverage solution.

Our goals:

• Proactively equip you to avoid claims by reviewing policies and procedures
• Drive improvements in the most important parts of your risk: exposure and claims
• Partner with you to build a foundation that will minimize your cost of risk and create a safe environment for you and your team

Our proactive programs include:

• Safe Driving techniques/Distracted driving training
• Behavior Management Strategy
• Ergonomics evaluation/Recommendations
• Accountability programs and implementation strategies

Accidents happen— no matter how safe or how cautious you are. Our full-time experienced claims staff and licensed claims adjuster are available 24 hours a day/7 days a week to help you with filing a claim.

We provide:

• A 24/7 toll-free number for claims that is available whenever the need arises
• Claims consultant’s cell phone number for easy all-hours access
• Diary of every claim reported for routine follow up
• Immediate notification upon change of a claim status
• Customized claims reviews
• A reserve analysis, to help modify and reduce claims
• Assistance with litigated claims including: aid in interrogatories, attending attorney meetings, and accompanying clients to depositions

We are here for you.