Commercial Insurance and business exposures are complex. Unfortunately, we have found that many sell insurance based upon price, which of course is important, but being properly covered is more significant. No insurance program can cover all exposures but it is important that a review is done and insurance set up that covers as much as possible within the budget of the insured company. This is an on-going process because as a business grows or constricts or operations changes, the insurance requirements may change as well. We pride ourselves on our relationships with our clients, some of those relationships go back generations.
We are accessible and diligent not only at the time of the initial sale but also in the years that follow. Our close relationships with our clients helps us design insurance programs that meet their needs. The better the relationship and communication, the more information we will have along with a better understanding of the needs of the client which helps us obtain competitive pricing and broad coverage.
We write insurance for nearly all types of businesses, but over the years we have had concentrations in the garment industry, import/export business, medical and other office exposures such as accountants and law firms along with construction and real estate development.
We also write main street business such as your local florists, restaurant, retail store etc. We have clients that range from start-ups to firms with sales over $100 million dollars annually.
We also handle new business ventures. Insuring new companies due to their smaller size usually involves lower premiums (although not always the case due to lack of experience or prior coverage) and a large time expenditure. As many new companies do not survive long term and due to the above, many agents and brokers are not overly receptive to handling. We feel differently! We view new ventures as an opportunity. We spend time educating the client on various forms of insurance and assist them in the process. By developing this close rapport early one we find that our partnership with these insureds is very strong so we both succeed together as they grow.
Business insurance coverage we write include Property, Liability such as Commercial, Products and Professional/E&O Liability along with D&O coverage and Employment Practices Liability and also Workers Compensation, Statutory Disability, Auto, Business Income, Crime, Employee Dishonesty, Cyber Liability and many others.
I am just writing to express my gratitude for over 20 years of service. Whether it be our fence business, other companies we have operated over the years or personal properties we know we can always rely upon A. Zeeman Co., Inc. A perfect example was your recent efforts, behind the scenes, which resulted in a savings of over $34,000 for our Workers' Compensation coverage. Whether it is assisting us when we have a claim such as our large fire loss a few years back, or getting a tough location written quickly when needed and just day to day servicing, it's comforting to know that we have a professional partner in A. Zeeman Co., Inc. looking out for us! I look forward to our continued relationship and once again, thanks for all! — Dougas DeLorenzo, President, My Priorities Ltd.