Small Commercial

Small Commercial 

 

90% of all business activity in the United States is driven by entrepreneurial organizations with 20 or fewer employees. While standard insurance companies may address some of the risks that these organizations face, a host of other challenges such as Cyber/Data Breach, Employee Dishonesty & Crime, Environmental Liability, Employment Practices Liability, Property and Professional and General Liability require a more specialized approach. The needs of each insured are as varied as the businesses that they operate, which means agents that are not focused on the SME market may inadvertently provide coverage with significant gaps, leaving policyholders uninsured or underinsured.

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In House Binding Authority
for all target classes and coverages
Target Classes

 

  • 1-4 Family Dwellings

  • Artisan Contractors

  • Bars, Restaurants and Retail Liquor Stores

  • Community Associations

  • Home Repair Specialists

  • Homeowners Associations

  • Medical Offices

  • Law Firms 

  • Non-Profits

  • Office / Retail / Professional Services

  • Property Developers

  • Real Estate Investors 

  • Religious Institutions

  • Vacant Lots

Small Businesses Are At Risk

 

$100 billion

The amount small businesses pay to settle legal troubles every year

 

$697,902

The average cost of a D&O lawsuit

 

66%

The increase in cost of commercial auto claims between 2009 and 2013

 

25%

The rise of lawsuits relating to workplace harassment since 2006

 

300%

The increase in cyber attacks on small businesses since 2012

 

57%

of lawsuits are lodged against companies with revenues under $1 million

 

40%

of businesses fail to reopen after a disaster

 

 

Source: Bolt Insurance Agency, US Department of Labor, National Institute of Standards and Technology, SNL Financial, DandODiary.com

Capabilities

 

  • Business Interruption and Loss of Income

  • Commercial Property

  • Cyber, Privacy & Data Breach

  • Directors & Officers Liability

  • Environmental Liability

  • Employee Dishonesty / Crime

  • Employment Practices Liability

  • Excess / Umbrella Liability

  • Fiduciary Liability

  • General Liability

  • Liquor Liability

  • Professional Liability

Small Business = Big Opportunity

Research shows that while the use of the Internet for purchasing insurance is growing amongst small business owners, an insurance broker is still the first port of call. The good news for you is that small businesses like buying from real people. See how you can capitalize on this! 

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Contact Us

Need a Quote?

 

We accept all applications - or you can contact us and we will send you one of ours. Submit applications, brief narrative and minimum of 3 years carrier loss runs to  info@asrisk.com

 

Narrative/Underwriting Information:  

  • Who is the incumbent carrier including expiring term?

  • Did the incumbent non-renew? If so, why?

  • Does your agency control the account?

  • List of markets approached (including other brokers)

  • Target premium

  • Quote “Need-By” Date

11520 N. Community House Road, Suite 125

 Charlotte, NC 28277 

info@asrisk.com |  Tel: 704.358.0447