INSURANCE

Commercial Insurance

As one of the leading insurance firm in the region, we specialized in commercial and business insurance. We will craft a comprehensive solution to protect your entire business, including all your business, property, equipment, casualty, worker comps and health insurance needs.

Our close relationships with many of the nation's top insurance carriers, combined with the volume of insurance we provide, allow you to enjoy extremely competitive prices. The result is valuable coverage for your business, serviced by friendly professionals at a very reasonable cost.

Our Services Include:

COMMERCIAL INSURANCE

Business property insurance

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  • Building Coverage
  • Business Personal Property
  • Business Interruption
  • Intellectual Property
  • Employee Dishonesty

General liability insurance

All businesses are exposed to third-party complaints and lawsuits based on legal theories of negligence. Insurance for defense of these lawsuits and settlement of third-party claims for negligence can be covered under a general liability policy.

General Categories of Business Injuries:

  • Premises and Operations Exposures – Bodily injury or property damage caused to third parties by the business' building occupancy or business methods.
  • Product and Completed Operations Exposures – Bodily injury or property damage to third parties by the business's manufactured goods or finished work.
  • Contractual Liability Exposures – Bodily injury or property damage to third parties that is assumed by the business when under written contract. For example, certain businesses, like contractors, assume substantial risk each time they take on a new job.

Business auto insurance

If your business owns, leases or rents vehicles, or requires employees to use their vehicles on the company's behalf, your company has a risk exposure. While state law requires certain basic insurance for owned and leased vehicles, your firm may also be liable for damages caused when temporary vehicles are rented to employees or employees use their vehicles for business purposes.

If a firm owns more than five vehicles, it is considered a "fleet" by underwriters and will receive a volume discount or special rate consideration. Keeping the list of active drivers "clean" of violations and accidents helps the fleet operation keep auto insurance costs down. A well-disciplined maintenance schedule is another key method to keep rates low.

Our Insurance Specialists can help you design a driver training supervision and vehicle maintenance program to reduce losses.

Workers' Compensation

Every state requires most employers to provide either formal Workers' Compensation insurance or post some form of financial responsibility for injuries or sicknesses suffered by employees while in the workplace. The law in each state of employment defines coverage. Every job in America falls into one of hundreds of broadly defined job classifications published by the industry standard National Council of Compensation Insurance (NCCI). Each classification, by state, has an assigned rate per $100 of employee payroll.

The final premium is further modified by the following factors that can include an experience rating, state taxes, and variable rating offered by some insurers that deviates from NCCI suggested rates. Because so many states have their own variations on Workers’ Compensation policies, it is important to have an expert who can clarify this complicated area.
Our Insurance Specialist can work with your risk management team to develop the best Workers' Compensation program to meet your needs.

Business Umbrella Policy

Choosing the proper amount of liability coverage can be challenging, and buying the "right" amount of liability insurance for general, auto and employer's liability is not an exact science. Business owners and decision makers should consider the total assets of the business that are exposed to third party suits as well as the likelihood of a major, catastrophic lawsuit. An excess liability or "umbrella" policy is an important risk management tool. This policy is used to increase or "buy up" limits of coverage in addition to general, auto and employers liability insurance. These premiums are generally lower than if each individual underlying policy were to be issued at the individual higher limit.

We can help you understand and select the proper amount of coverage for your business.

SURETY BONDS

We provide excellent Surety Bonds to the following core company segments:

  • Contract Bonds
  • Commercial Bonds (license & permit and miscellaneous)
  • Court Bonds
  • Large national commercial surety
  • Energy Bonds
  • Bail Bonds

SPECIALIZED INDUSTRY INSURANCE

  • Construction/Real Estate companies
  • Heathcare organizations
  • Manufacturing companies
  • Technology firms
  • Not-for-profit agencies
  • Higher Education organizations
  • Municipalities

EXPERTISE and SERVICE

  • Expertise in the construction industry and bonding
  • Cyber liability and fraud protection
  • 24-hour, toll-free claims service
 

BONDING

We are recognized as leaders in meeting the insurance, risk management and bonding needs of contractors. We utilize insurance programs ranging from evaluation of bond premiums, and corporate and personal indemnity requirements, to bond request procedures and analytical processes and underwriting.

Our bond professionals are surety experts and can assist your business with the level of bonding you need for the best possible terms and pricing.

For more information on how we can help protect your business, please call us at 408-622-5563 or email insurance@ecbinvestmentgroup.com

 

SPECIALIZED INDUSTRY INSURANCE - Industry Expertise

Our industry-focused teams immerse themselves in your line of business and the insurance markets that serve your industry, producing the best possible outcome — an insurance and risk management program that optimizes your company’s total cost of risk and ultimately enhances your profitability and shareholder value. Industries include:

  • Healthcare organizations
  • Manufacturing companies
  • Not-for-profit agencies
  • Construction/Real Estate companies
  • Technology firms
  • Higher Education organizations/ Municipalities

Special Programs

We formed a Special Programs division to focus solely on coverage for affinity groups. Our specialized coverages include:

  • Liquor Liability
  • Professional Liability for Lawyers
  • Professional Liability for Accountants
  • Special insurance programs for associations and other groups
  • Complete liability packages for orthotic and prosthetic practitioners and manufacturers

For your specialized business needs, please call us at 408-622-5563 or 833-888-8ECB or email insurance@ecbinvestmentgroup.com

 

HOMEOWNER'S INSURANCE

Homeowners insurance, condominium insurance, and renter’s insurance are necessary for addressing your property and liability coverage needs. These policies provide a thorough and cost- effective way to insure the structure of your home and personal property. We are here to help guide you through the process so your most valued assets are properly insured.

Your policy may include:

  • Personal liability coverage
  • Medical payments
  • Property damage to other structures
  • Additional living expense/loss of use
  • Credit card and check forgery
  • Bodily injury to others
  • Property coverage for dwellings
  • Personal property additions and alterations
  • Loss assessment coverage
  • Identity theft protection

FLOOD INSURANCE

You don’t need to live near the ocean, a river or other large body of water to be at risk for flood damage to your home. Hurricanes, melting snow and heavy rains can also cause flooding. Since homeowners policies do not cover flood losses, you may want to consider a separate flood policy.

IN-HOME BUSINESS INSURANCE

If you run a business from your home, you have unique insurance exposures. The protection offered under standard homeowners or renters policies are very limited. An in-home business policy can help you guard against theft, loss, or damage to business equipment, as well as liability.

EXCESS LIABILITY – UMBRELLA INSURANCE

Choosing the proper amount of liability coverage can be challenging, and buying the right amount of liability insurance for general, auto and employer's liability is not an exact science. Business owners and decision makers should consider the total assets of the business that are exposed to third party suits as well as the likelihood of a major, catastrophic lawsuit before picking an insurance option.

An excess liability or "umbrella" policy is an important risk management tool. This policy is used to increase or "buy up" limits of coverage in addition to general, auto and employers liability insurance. These premiums are generally lower than if each individual underlying policy were issued at the individual higher limit.

We can help you understand and select the proper amount of coverage for your business.

To learn more, contact an insurance specialist today at 408-622-5563 or complete the form below to get a free quote. We will contact you promptly and prepare a comparative quote for your review.