Commercial Insurance

Automobile policies for businesses often have many different vehicle types, but did you know how big a difference auto symbols make to your actual coverage? Not all auto policies cover you the same way, so talk to someone who goes through more than just premium.

A lot of clients told us they thought Workers' Compensation policies were the same final price regardless of the agency. Just like many lines of coverage, state rules vary, though there are lots of variables that affect total premium. Ask us how class code rates, mods, debits & credits can impact your policy?

Just like gifts come in different sizes, commercial package policies are not created equal. Let us help you compare your current policy with what the marketplace currently offers and show you some options.

In today's world, Umbrella policies are pretty common. If you do not have one, we are happy to bring you up to speed on their importance. If you already have one and had some questions about the limits, requirements or exclusions, we are happy to give a second opinion.

You would be surprised how many times we have found business locations with totally insufficient coverage limits on buildings. While sometimes our new clients knew the limits of their policy before they came to FCIG, more often they had no idea! 

Customers have questions, we have answers. If we are not sure, we will find out. Even with hundreds of years of experience amongst our team, we continue to learn every day.