Business
Insurance
The Brimberry Agency is your trusted, local source for business insurance in Spring and the surrounding areas. Our team specializes in connecting business owners with the commercial insurance solutions they need to protect their operations and livelihood against liabilities, and we work hard to secure the comprehensive coverage necessary at the best rates available. Learn more about our business insurance services, and contact us today to schedule a free consultation!
Services
Commercial Auto Insurance
If you use vehicles for your business operations, you need commercial vehicle insurance. Commercial vehicle insurance, like your personal auto policy, provides similar coverages such as liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorist coverage. There are many factors that determine the type of commercial vehicle coverage you need for your vehicles. Get in touch with The Brimberry Agency to find the best commercial auto insurance for your needs.
Investment Property Insurance
Regular homeowners insurance doesn't provide the coverage you need for rental properties. Investment property insurance, also known as landlord insurance, can be beneficial if you're:
Moving and haven't sold your home
A first-time landlord who wants protection for your property and liability claims
An investor with multiple investment properties
The Brimberry Agency has a track record of providing landlords and investment property owners with the insurance coverage they need to keep their rental properties protected and profitable. Contact us today!
General Liability Insurance
General liability insurance (GL) is coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury and other claims that can arise from your business operations. No matter how many employees you have on your payroll, and even if you are a standalone contractor, you need general liability insurance to safeguard your livelihood. The Brimberry Agency can connect you with general liability insurance coverage that matches your level of exposure to lawsuits, accidents, and other liabilities. Get in touch with us today to speak with a friendly and knowledgeable member of our team.
Builder’s Risk Insurance
Builder's risk insurance is coverage that protects a person's or organization's insurable interest in materials, fixtures and/or equipment being used in the construction or renovation of a building or structure. These policies can protect you in the event that those items sustain physical loss or damage from a covered cause. The Brimberry Agency takes pride in helping builders complete their projects with security and peace of mind. Get in touch with us today to learn more about the builder’s risk insurance coverage available to you.
Business Owner Policy
Insurance companies selling business insurance offer policies that combine protection from all major property and liability risks in one package. One package purchased by small and mid-sized businesses is the business owners policy (BOP). The Brimberry Agency can help you determine whether a BOP is a good option for your organization, or whether you should attain the property and liability insurance coverages separately. Our team has immense experience helping business owners find the right insurance coverages for every aspect of their operations. Contact us today to schedule a free consultation!
Inland Marine Insurance
Inland marine insurance was first created to cover the transport of goods over water. Since then, the definition of the term has expanded to include the coverage of goods in transit on land, as well as the property of others that are at your premises or being transported to or from your premises. If your business could benefit from inland marine insurance, The Brimberry Agency can connect you with the best policies for your operational and budget needs. Contact us today to speak with an experienced agent about finding the best coverage for your business.
Workers’ Compensation Insurance
Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment. This compensation is provided in exchange for the mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence. In today’s day and age, businesses need effective workers’ compensation more than ever. At The Brimberry Agency, we take pride in providing business owners and contractors with the specialized workers’ compensation coverage they need at competitive rates. Contact us today to speak with an expert about your workers’ compensation needs.
401Ks
401(k) plans are not FDIC-insured because they are typically composed of investments rather than deposits. The Federal Deposit Insurance Corporation (FDIC) covers deposits, not investments. Investments are riskier and carry the potential for loss of principal. Most 401(k) accounts are composed of investments. The Brimberry Agency can provide you with answers and actionable solutions for all of your business’s 401(k) insurance questions. Get in touch with us today to speak with a friendly and knowledgeable member of our team.
Commercial Umbrella Coverage
Commercial umbrella coverage includes policies designed to provide protection against catastrophic losses. It generally is written over various primary liability policies, such as the business auto policy (BAP), commercial general liability (CGL) policy, watercraft and aircraft liability policies, and employers liability coverage. The umbrella policy serves three purposes:
It provides excess limits when the limits of underlying liability policies are exhausted by the payment of claims.
It drops down and picks up where the underlying policy leaves off when the aggregate limit of the underlying policy in question is exhausted by the payment of claims.
It provides protection against some claims not covered by the underlying policies, subject to the assumption by the named insured of a self-insured retention (SIR).
If you are interested in commercial umbrella coverage or you have questions about your business’s current policies, contact The Brimberry Agency to ensure you are getting the best rates on all the coverage you need.
Ready to get started?
The Brimberry Agency is dedicated to helping business owners secure the insurance coverage they need to shield their organization from liabilities and protect the livelihood of their employees. Our team takes pride in serving the businesses in Spring and the surrounding areas. Get in touch with us today to schedule a consultation!