Business Insurance

Coverage and risk management solutions for companies of all sizes.

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Business insurance throughout the Western U.S.

In today’s ever-changing environment, risk is constant. Business insurance isn’t. We’ll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.

We know that you cannot outrun your risk, but you can be ready for it. What if severe weather causes you to lose power to your building and your operations cease, or if a fire severely damages your building? You shouldn’t have to pay for this yourself, and with the right protection, you won’t have to. Our insurance advisors can help you identify gaps in coverage, look for ways to save money, and keep your assets and income protected.

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Which business insurance is right for your company?

Explore how having the right business insurance can protect your company from the unexpected.

Work Safety

Pre-Hire Physical

Risk Factor

Are you about to hire your next workers' compensation claim? In an effort to get a position filled quickly, you may take short cuts that could cost you thousands of dollars.

Solution

Prospective employees should be required to complete a pre-hire physical. A copy of the intended job description can then be given to the medical provider with the physical requirements of the position. This helps to ensure only those capable of doing the job are hired and keeps other employees safe.

Education and Injury Reporting

Risk Factor

Often times employees don’t understand the workers' compensation process and may be afraid to report a claim for fear of losing their job or impacting a daily count of injury-free days that are tied to an incentive program.

Solution

Educate employees on the workers' compensation system. During the hiring process, consider explaining how workers' compensation coverage protects your employee when an injury occurs. Your employee should understand that it is their responsibility to report an injury immediately and follow the company’s guidelines for seeking medical attention. Explain your return-to-work policy and have your employees sign an agreement stating they understand the process.

Communication

Risk Factor

Your employee may become injured and you might be tempted to rely on someone else to communicate with them. As a result, your employee may be confused by the workers' compensation process and unsure where to turn.

Solution

You and your supervisors need to stay in constant communication with your employees. Your insurance broker can provide some coaching and guidance throughout the process. Above all, your employees should feel that you care about their injuries and that you will be involved in helping them recover. Your direct supervisors play a key role in this process and should be trained to effectively communicate with your employees throughout the injury.

Return-to-Work

Risk Factor

When your employees become injured, they may need time to recover. As an employer, you may be tempted to rely solely on the workers' compensation insurance company and/or your employee’s medical provider to communicate throughout the process. If you do, the process can become unnecessarily prolonged.

Solution

As the employer, let your insurance company and your employee’s medical provider know that you have a return-to-work program in place. Ask the medical provider to refer to the job description that has been provided for the injured employee. As soon as the employee is medically cleared, offer a light duty position and ask them to report to work. If needed, your employee can continue to receive treatment while they continue to recover.

Payroll Audits and EMR

Risk Factor

Statistically, your company’s Experience Modification Rate (EMR) has more than a 70% chance of being incorrect. Your EMR is a number used by insurance companies to gauge any past cost of injuries and future chances of risk. In addition, over 80% of payroll audits are done incorrectly. Both factors impact your workers' compensation coverage.

Solution

Trust your insurance advisor and have them assist and advocate during the annual payroll audit conducted by the insurance company. Your agent should also monitor all claims, but especially claims reserved over a $10,000 threshold. Larger claims should have a quarterly report prepared by your insurance agent to let you know the status of the claim. Your agent should work with your insurance company’s claims adjustor to close any claims as quickly as possible.

Medical Provider Communication

Risk Factor

Claims can remain open longer than needed due to poor communication between you and your employee’s medical provider. As a result, you may be unaware that your employee is well enough to return to work on a modified basis.

Solution

Get to know the doctors that are helping your employee heal. Your insurance broker should foster this relationship by assisting you in the selection of the medical provider prior to a claim. Meet with the medical provider, interview them, tour their facilities, ask them to tour your location and explain your return-to-work program. Job descriptions can be provided to the medical provider and an agreement of services can be achieved. Once a claim takes place, a clear line of communication should be established so you are kept aware of your employee’s status.

Safety Training

Risk Factor

Sometimes employees are trained to do a job well, but are not trained to do their job safely. Many work-related injuries can be avoided by effective training.

Solution

Your insurance broker should be able to organize monthly training classes. Many insurance carriers offer training tools at no charge and your broker can help you utilize these tools to your advantage. For example, topics such as proper lifting techniques can be critical for many job functions. Also, using tools like payroll stuffers can be very effective.

OSHA Inspections

Risk Factor

Many employers are concerned about their next OSHA visit. Worried about citations and fines, employers see OSHA as the enemy. Sound familiar?

Solution

OSHA's On-site Consultation Program offers free and confidential safety and occupational health advice to small and medium-sized businesses in all states across the country, with priority given to high-hazard worksites. On-site Consultation services are separate from enforcement and do not result in penalties or citations. Consultants from state agencies or universities work with employers to identify workplace hazards, provide advice on compliance with OSHA standards and assist in establishing injury and illness prevention programs.

Business Owners Insurance

A business owners policy combines business property and business liability insurance into one convenient policy. We'll work with you to design coverage that protects your business from a variety of risks, unique to you.

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General Liability Insurance

No matter the size and nature of your business, there are always uncertainties. We'll work with you to determine your business risks and we'll put together an insurance package that makes sense for your business.

Business Auto Insurance

Whether you have one vehicle or a whole fleet, we can help you implement custom coverage that will protect your business and personal assets from the additional exposure that commercial vehicles bring with them.

Commercial Property Insurance

Commercial property insurance protects your assets in the event that they are stolen, damaged or destroyed in a fire or natural disaster. We'll partner with you to design insurance coverage that will protect your company's property.

Fabricare Insurance

Dry cleaners and laundries face a unique set of risks, and having worked with thousands of clients in this industry, we know what it takes to find the right coverage options. From unlimited clothing coverage to covering income losses of a fire, we have the coverage your dry cleaning or laundry business needs to succeed.

Workers' Compensation Insurance

Workers' compensation insurance covers employees injured on the job or in auto accidents while on business. It also covers work-related illnesses. We'll work with you to find a solution that creates a safer and more productive workplace.

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Commercial Umbrella Insurance

Commercial umbrella insurance is designed to supplement existing insurance policies, giving you an additional layer of protection for your business. We'll work with you to find the right umbrella solution to cover all your business needs.

Cyber Liability Insurance

Cyber liability insurance protects your business against the expenses associated with a data breach. We'll help you evaluate the data liability risks your business faces and find you a policy that meets your specific needs.

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Employment Practice Liability Insurance

As an employer, you face a rising tide of employment practices litigation alleging discrimination, sexual harassment, retaliation and other employment-related issues. We'll work with you to help you assess and manage your risk proactively.

Crime Insurance

Every company, regardless of size, is a potential target for white collar crime. We'll work with you to design insurance coverage that helps you minimize risk and protects your business and your assets from theft, fraud and forgery.

Builders Risk Insurance

Did you know you can protect your properties even before they are finished being built? Builders risk insurance protects from risks like fire, theft and more.

Surety Bonds

A surety bond is a great way to guarantee that a large investment in a project is not lost—whether or not the work gets done. This type of insurance is especially common in the construction industry, and is often utilized for government contracts.

Environmental Insurance

Environmental concerns continue to be a leading societal and business risk issue, sometimes posing serious unexpected challenges. We'll work with you to create a custom solution to help protect your business against environmental risks.

Henderson Insurance Agency offers comprehensive business insurance options.

Business Insurance Quote Request

As an independent agency, we offer multiple options at competitive prices.

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