The Cost of your Insurance is a major concern of this agency. We don't just compete to get your business, we compete to keep it.
At Liberty First Coverage, we view the role of your insurance broker as an insurance watchdog for your company. We understand that a growing business must constantly control expenses to stay ahead. We believe that insurance costs, while necessary, must be held down. Keeping costs down is an art developed over years of skillful negotiations and knowledge of an ever changing insurance industry, to the benefit of our customers. After all, we do not work for the insurance companies, we work for you.
Providing quick, accurate and friendly service is not a goal of this agency, it is an everyday reality.
The phones in our agency are answered by real people during normal business hours. Alternate phone numbers, including our cell phones, are provided in case you need us after hours. It is our policy to respond to your request immediately, whether by phone, fax or email. Our staff is friendly and well trained to help by listening to you and by doing it your way.
Helping you with claims is the most important service that we provide.
We expect claims. It is the purpose of buying insurance and when you have a claim, we know what to do to help you. It would be nice to say that insurance companies always respond quickly and fairly but that is not always the case. After many years of questioning and often reversing bad claim decisions, we know that all claims must be followed closely throughout the process.
Protecting your assets is the reason we are in business.
Protecting your business is not just a matter of expert insurance knowledge and years of experience, it takes a commitment to work with you to understand your business. It is important that we are familiar with all aspects and details of your operations, people, and properties, to get it right. Your participation is very important in the choosing of coverage, limits, deductibles and rating plans. It is a joint effort and we will listen to you. Once an insurance plan is put in place, it will be reviewed annually to ensure it still meets your needs.
We recommend the use of Risk Management techniques to control insurance costs in the long run.
Risk management begins with safety. Safety translates to better loss experience which results in lower rates. Your safety program or lack of one will be perceived as an important factor in underwriting and pricing your insurance policies. We work with you and the loss prevention engineers to help implement or refine safety programs that will produce the greatest benefit for the time and expense they require. Usually this is a gradual process which begins with a thorough analysis of loss history and potential loss exposures.
After many years of successful relationships with the major insurance underwriters, we have earned their trust.
The commercial insurance underwriting community is a world of relationships. In this world, memories are long and agencies must deliver what they promise. An agency must first understand your business to represent exactly what you do. It must know the background of sizable losses, if any, and what makes your business desirable to insure. Underwriters will judge the desirability of insuring your business based on the quality and detail of the agency’s submission and the trust they have in that agency. We have their trust because, since 1989, we have delivered on our promises.
Just A Few Commercial Insurance Products We Offer
- Business Owners Policy (BOP)
- Commercial Package
- Workers Compensation
- Disability
- Group Health
- Building & Property Insurance
- Surety Bonds
- Commercial Umbrella
- Fleet Auto
- International Property & Liability
- Ocean Cargo
- Employment Practices Liability
- Directors & Officers Liability
- Products Liability