Protecting your business

Bauer-Crowley Lydecker Insurance provides a full line of commercial coverages for a wide range of businesses, including:

• Manufacturers
• Distributors
• Contractors
• Retailers and Commercial building owners

Every organization faces potentially catastrophic risks for direct losses as well as claims by others. We will assist you in selecting the appropriate coverages for your organization, including:

Property and liability coverage

While almost every organization has a policy providing basic protections, we can help you select the correct coverages and limits for your individual situation.

Directors & Officers liability

Whether your organization is a public company, private concern or non-profit, your directors and officers may be the target of a lawsuit by investors, employees and others. Both the individual and the company may be held liable for actions or decisions made in managing the organization.

Every type of organization has its own unique exposures, with widely varying requirements for coverages and policy limits needed to protect individual and company assets.

Employment practices liability

Lawsuits alleging discrimination, sexual harassment, retaliation, wrongful discharge and other violations are rising, and the size of settlements are growing rapidly. This in turn is attracting more plaintiffs' attorneys, exacerbating the problem. Coverage may be purchased as part of a Directors & Officers policy, or as standalone coverage.

Professional liability (errors and omissions)

The need for this coverage no longer only applies to physicians, attorneys and other professionals, but any organization or individual that provides a service. This includes such diverse occupations as contractors, real estate professionals, advertising agencies, computer consultants, publishers, staffing firms and landscapers. You and your company may be held liable for claims arising from negligent acts, errors and omissions in rendering or failing to render service.

Employee benefits

Selecting the right benefit package is becoming increasingly important in retaining the best employees, and keeping them productive. The cost of health insurance and other employee benefits is growing rapidly. Weighing the cost and features of of the many HMO, PPO and traditional plans available is becoming more difficult and complex every day.

We can offer you a complete needs analysis, and help you determine the most appropriate policy for your organization.

OUR COMMITMENT TO OUR COMMERCIAL CLIENTS:

UNDERSTANDING YOUR BUSINESS by holding regular contact meetings, reviews and agreed risk management evaluations.

SERVICE YOUR CLAIMS PROACTIVELY- our highly qualified staff is constatly updated with technical developments both here and abroad.

DEVELOP A CLEAR LONG TERM STRAGEGY AND RENEWAL-we will jointly agree to a risk and insurance strategy at least 3 months before each new renewal. It is vitally important that this strategy take into account both your short term and long term business objectives.

NEGOTIATE COMPETITIVE COST EFFECTIVE COVERAGE FOR YOU.-we will obtain competitive insurance terms compatable with secure markets on your behalf through our ability to exert considerable purchasing power in the market and our dedicated, experienced brokering team.