Every business has risks, and commercial insurance can respond to many accidents, injuries and claims. But commercial insurance does not cover every risk you may have. The good news is that we have real solutions for your business risks. A short call to us may just help you get a good night’s sleep knowing your business is better protected.
Business Risks
Cyber Risk- Cyber Liability continues to be a major issue for many businesses. Is Cyber Liability part of your Business Insurance Program? In today’s data-driven social media world, businesses of all sizes have had a cyber-attack or data breach. Statistics show that 40% of all cyber incidents affect businesses with fewer than 100 employees. With the recent Target breach, many individuals and businesses are considering cyber or identity theft insurance.
Employee Injuries– If one of your employees gets injured on the job, the medical bills and time loss could be significant. Workers’ Compensation Insurance can provide real solutions for your company.
Ownership Changes or Death of Key Staff– If your business does not have key man life insurance, you may have serious problems if an owner of other key person dies.
Environmental Liability- Your business insurance does not cover any claims for pollution or environmental related accidents.
We are prepared to help you manage all your business risks.
Davidson Stewart Morelock Independent Insurance Group LLC (DSM) was formed in 2008 (Originally Stewart Morelock Insurance, est. 2005) by insurance professionals with over 50 years of combined experience in the property & casualty insurance industry….experience includes; senior officers of regional insurance companies & wholesalers, reinsurance brokers, personal & commercial insurance production agents, agency owners, underwriting managers & agency directors. DSM is directly appointed with all major insurance carriers and brokers, and has the capability to place virtually all lines of business and personal lines insurance.