Greenville, South Carolina
9:00AM – 5:00PM
info@mybrokeragency.com
Let’s talk
Risk Management
Personal and Business Insurance
Calculating the total cost of risk for a small business can help you understand the financial impact of risks to your business, and to make informed decisions about how to manage those risks.
To Represent you in the Insurance Market
Direct Access to over 50 insurance carriers in addition to access to wholesale insurance companies
We are thankful for all of our clients and proud to have them as customers for multiple years.
Business classes in so many industries rely on our expertise to find the appropriate insurance coverage for their current needs.
Small Business Insurance
As an insurance agency based in the Greenville area of upstate South Carolina, We serve clients in multiple states in the Southeast region.
Providing insurance for personal and small business needs is a crucial service that helps people protect themselves from various risks and uncertainties.
By offering this service to clients across multiple states, we are helping to ensure that they have access to the coverage they need, no matter where they are located, whether in South Carolina, North Carolina, Georgia, Texas or Florida.
How Can We Help You
Customer Experience is our top priority!
Initial Consulting
The first step is to understand the client’s needs and find out what they are looking for and what their budget is.
Policy Review
Reviewing insurance policies and designing new policies that meet the client’s specific needs.
Claims Management
Assisting clients in managing insurance claims and negotiating settlements with insurers.
Our Services
Types of insurance that We provide
There are many different types of insurance available, each designed to cover different risks and needs. Here are some common types of insurance:
Auto Insurance: protects against financial loss in case of a car accident or theft, and can also cover liability for injuries or property damage caused to others.
provides coverage for damage to a home and personal property, as well as liability protection for accidents that occur on the property.
protects against legal claims for damages that an individual or business may be responsible for, including bodily injury, property damage, or other losses.
Business insurance
provides coverage for a variety of risks associated with running a business, including liability, property damage, and business interruption.
provides coverage for damage caused by floods, which is not typically covered under standard homeowner’s insurance policies.
This covers your personal property against theft or damage while renting a home or apartment.
Workers Compensation Insurance
A type of insurance that provides benefits to employees who are injured as a result of their work.
Professional liability insurance, also known as errors and omissions (E&O) insurance, is a type of insurance policy that provides financial protection to professionals in the event of a lawsuit or claim alleging negligence, errors, or omissions in their professional services. This type of insurance policy can help cover legal fees, court costs, and any settlements or judgments that may result from the lawsuit or claim.
Medical malpractice insurance is a type of professional liability insurance specifically tailored to healthcare professionals. It provides coverage for claims alleging medical negligence, errors, or omissions that result in injury or harm to a patient. Medical malpractice insurance is required by law in many states for healthcare professionals such as doctors, nurses, and other healthcare providers.
E&O insurance is a broader type of professional liability insurance that can be tailored to a wide range of professions beyond healthcare, such as lawyers, accountants, architects, engineers, and others. It provides coverage for claims alleging negligence, errors, or omissions in professional services provided by the insured.
Both medical malpractice insurance and E&O insurance are important forms of protection for professionals in their respective fields. They can help provide financial protection and peace of mind in the event of a lawsuit or claim alleging professional negligence or errors. It’s important for professionals to carefully review their policies and understand any exclusions or limitations in coverage.
Cyber insurance coverage is a type of insurance policy that provides financial protection to businesses and individuals in the event of a cyber attack or data breach. It can help cover the costs associated with recovering from a cyber attack, such as investigation and remediation, notification of affected parties, credit monitoring, legal fees, and more.
Cyber insurance policies typically provide coverage for a range of cyber incidents, including:
- Data breaches: When sensitive information such as personal or financial data is compromised or stolen.
- Cyber extortion: When hackers demand payment in exchange for not releasing sensitive information or for restoring access to systems that have been hacked.
- Business interruption: When a cyber attack disrupts normal business operations and results in lost income.
- Cybercrime: When a cyber attack results in financial loss, such as fraudulent wire transfers or stolen funds.
- Reputational damage: When a cyber attack damages a business’s reputation and results in lost business or customers.
Cyber insurance policies can vary in coverage and can be tailored to meet the specific needs of different businesses and industries. Some policies may also provide additional services such as risk assessments, employee training, and breach response planning.
It’s important for businesses to assess their cyber risk and consider purchasing cyber insurance coverage as part of their overall risk management strategy. It’s also important to carefully review the policy and understand any exclusions or limitations in coverage.
Personal and commercial umbrella insurance are types of insurance policies that provide additional liability coverage beyond the limits of the underlying primary insurance policies.
Personal umbrella insurance is a type of policy that provides extra liability coverage above and beyond the limits of your homeowners, auto, or other personal insurance policies. It helps protect you financially in the event of a lawsuit or other liability claim. For example, if you are at fault in a car accident and the damages exceed the limits of your auto insurance policy, your personal umbrella insurance policy can provide additional coverage to pay for the remaining damages.
Commercial umbrella insurance works similarly, but for businesses. It provides additional liability coverage above and beyond the limits of the underlying commercial general liability policy. This can help protect a business from financial losses in the event of a large liability claim, such as a lawsuit.
Both personal and commercial umbrella insurance policies typically have higher coverage limits than the underlying primary policies and can provide coverage for a wide range of liability claims, such as bodily injury, property damage, and personal injury.
It’s important to note that umbrella insurance policies do not cover all types of liability claims, and there may be certain exclusions or limitations in the policy. It’s important to review the policy carefully and speak with an insurance agent or professional to fully understand the coverage and any potential gaps in coverage.
Surety Bonds
A surety bond is a contractual agreement between three parties: the principal, the obligee, and the surety. The principal is the party that purchases the bond and is responsible for fulfilling certain obligations. The obligee is the party that requires the bond to be purchased and is protected by the bond. The surety is the party that provides the bond and guarantees that the principal will fulfill their obligations.
Surety bonds are commonly used in business and construction industries to provide financial protection to the obligee in case the principal fails to fulfill their contractual obligations. The bond acts as a form of insurance and can be used to cover losses incurred by the obligee due to the principal’s failure to meet their obligations.
There are various types of surety bonds, including performance bonds, payment bonds, bid bonds, and license and permit bonds. Each type of bond serves a specific purpose and is tailored to meet the needs of different industries and businesses.
Overall, surety bonds provide a level of security and peace of mind to both parties involved in a contractual agreement.
How Can I Help You
Providing your Business with a specialized Risk Advisor
Rod Francis
Founder
Insurance Consultant and Risk Advisor
Jessica Kreft
Customer Experience Manager
Personal Lines Specialist
Industries We Serve
Here are some of the industries that we serve with our insurance and risk management consultants:
- Retail
- Construction
- Healthcare
- Marketing Agencies
- Professional Services
- Real estate
- Transportation and Logistics
- Hospitality and Food Service
- Technology and IT
Consulting Services
Analyze the clients risk: After identifying the client’s needs, we analyze their risk exposure. This will help to determine the types of insurance coverage they need and the amount of coverage required. Followed by researching insurance providers and compare their products, rates, and reputation. Based on the analysis we recommend insurance solutions that meet your client’s needs and budget. Make sure to explain the benefits and drawbacks of each option so that the client can make an informed decision.
- Retail
- Education
- Cyber Insurance
- Healthcare
- Technology
The Insurance Market
The insurance market is highly competitive, with many insurance companies offering different types of policies and rates. Insurance brokers and agents also play a role in the market by helping consumers choose the right insurance policy and negotiating with insurance companies on behalf of their clients. Overall, the insurance market plays an important role in helping individuals and businesses manage risk and protect themselves against unexpected events.
- Retail
- Education
- Workers Compensation
- Industries
- Healthcare
- Cyber Insurance
Let’s talk and discuss your Situation for
your Small Business or startup
We believe in successful go to market execution is key to revenue growth.
We can help you to with your insurance shopping
engagement business performance.