commercial Insurance Services

ARE YOU UP TO DATE ON RELEVANT NEWS AND EMPLOYEE BENEFITS LEGISLATION?

• We make it easy for you by distributing benefits newsletters that explain changes in legislation and how those changes affect your organization.

HOW OFTEN DO YOU HEAR FROM YOUR CURRENT BROKER?

• Open enrollment won’t be the only time you hear from us. We’ll email you regularly and provide you with monthly newsletters and timely industry updates to keep in touch and let you know we’re here to help.

ARE YOUR EMPLOYEES GETTING THE MOST OUT OF YOUR BENEFITS PROGRAM?  

• An attractive benefits package won’t help you retain employees if your employees aren’t aware of your benefits offerings. Our agency can deliver the resources—including informational articles, videos and infographics—you need to effectively communicate with your employees about benefits offerings and enrollment.

Protecting Your Property, Employees, and Reputation

Whether you're the owner of a small, local bakery or the risk manager of a large, national construction company, the right property and casualty coverages can make the world of difference when it comes to protecting your business. At ECIA, we have the experience and resources to help protect your business, from your commercial vehicles and equipment to your employees and reputation.

Business Owner’s Policy (BOP) and Packages

Commercial Auto Insurance

Equipment Breakdown Insurance

Excess Liability Insurance

General Liability Insurance

Inland Marine Insurance

​Ocean Marine

Property Insurance

Umbrella Insurance

Protecting Your Employees and Your Business

A key part of running your business is keeping employees safe at work. However, if a worker does suffer an injury, workers compensation coverage provides you and your employees with important protection.

Workers compensation coverage is a state-mandated insurance program that covers lost wages and medical treatment resulting from an employee’s work-related injury or illness. It also covers services needed to help an employee recover and return to work.

Life insurance

Life insurance plays an important role in your financial planning. If others depend on you for financial support, part of your financial plan should include how you will provide for them in the event of your death. 

Purchasing a life insurance policy ensures your loved ones’ future financial obligations are met, covering items such as funeral costs, outstanding debt, estate taxes and everyday living expenses. 

Regardless of whether you choose a term or permanent life insurance policy, both afford protection and peace of mind. 

The definition of specialty insurance is described in its name.

Okay, that sounds like a vague answer, but it’s an accurate definition! It’s the type of insurance that covers items that are unique or destroyed by unusual events.

Essentially, any property or asset that’s of value should be insured. Even cell phones and electronics have coverage plans nowadays because they’re considered valuable.

Plus, if something happens to those possessions, there’s a plan in place to help replace them.

Well, that concept applies to specialty items as well. It’s good to have coverage on your health, home, and car… but what about the other things you’ve worked hard for?