PROPERTY & CASUALTY

Our team partners our clients with the best insurance providers in their respective industry, and negotiates the most competitive pricing and loss control services available. Here is what sets us apart:

• Competitive: We work with the best insurance companies available and are able to get our customers the best program for their needs, no matter the size of the business or the industry.
• Knowledgeable: Educating our clients is a vital part of our business model. We help our customers understand risk and exposure so they are able make better choices about how to manage them.
• Access: Unlike working directly with an insurance company, we work with a number of the leading national and regional insurance providers giving our customers options from numerous providers.
• Loss Source Analysis: Included in our services, we review and analyze your claims history to determine loss sources and trends. We then work with our customers to find solutions to avoid additional losses in the future.
• Superior Claims Handling: In the unfortunate scenario a claim does occur, we provide a higher level of customer service by continually working with our clients throughout the claims process.

Here are some insurance products that protect your company from a wide-range of claims from property coverage to legal liability:

• Property
• General Liability
• Commercial Automobile
• Crime
• Builders Risk
• Workers’ Compensation
• Employee Benefits
• Cyber Liability/Data Breach
• Professional Liability
• Director & Officers
• Employment Practices Liability
• Fiduciary Liability
• Umbrella Liability
• Pollution Liability

Many businesses find it confusing when trying to understand what insurance products the company requires. That is why it is vital to have someone represent your company to find an insurance package that best fits your exposures. Contact us now so we can help.

WORKERS’ COMPENSATION

We help businesses find coverage options that create safer and more productive workplaces and give both you and your employees peace of mind when an injury occurs. This important coverage is required in most states, and provides benefits to employees for work-related injuries or illnesses including medical care, disability and wages from lost work time. We can help to identify, evaluate, and control safety issues your employees are exposed to on the job every day. Workers’ Compensation coverage gives your company all of these advantages:

• A focus on restoring wellness and a safe return to work
• One way of promoting safety in the workplace and reducing workers’ compensation premiums is to establish a safety committee. The knowledgeable staff at O’Connor Insurance will partner with your business to assist in setting up a certified workplace safety committee. An employer who is granted certification is eligible to receive a five percent (5%) discount on their Workers’ Compensation Insurance premium annually.
• Pay-as-You-Go Billing Solutions: Many of our trusted providers offer pay-as-you-go workers’ compensation insurance billing. This solution bases premium payments on actual payroll, which can help you manage cash flow and reduce audit surprises.

We have the experience to review the effectiveness of your current workers’ compensation program, and to offer cost-saving solutions. Learn more.

EMPLOYEE BENEFITS

The health insurance marketplace is continually changing and it is our job to understand and help guide our customers with the right provider and coverage at the right price. We assist our clients through the process of choosing their product, enrollment, billing and claims service. Employee benefits are also shown to help recruit higher quality employees by offering them a full range of comprehensive benefits.

No matter the size and type of business, we can provide you with a no-cost analysis of your organization’s current benefits program. Some of the products we can assist a business with include the following:

• Group Health Insurance
• Group Dental
• Group Vision
• Short Term Disability
• Long Term Disability
• Retirement Plans
• Life Insurance
• Accidental Death & Dismemberment (AD&D)

Selecting a plan that best fits the needs of your company can be overwhelming. Contact us today to hear how we can help.

LIFE INSURANCE

We pride ourselves on finding affordable personal insurance policies that protect your most important assets.

Many people simply overlook the importance of life insurance. But take a second to stop and consider all the important people in your life.  If you weren’t there, how would they be impacted financially?

Life Insurance provides protection for your family’s future by providing peace of mind in knowing that the death of the insured person will not result in financial hardship for loved ones and lenders. Our life insurance professionals will help you select the right type of coverage and amount to protect you adequately. We offer both term and permanent life solutions.

Term Life Insurance

Term life insurance is designed to meet temporary needs. It provides death benefit protection without any savings, investment or cash-value components. It provides protection for a specific period of time, such as 10, 15, 20 or 30 years, and generally pays a benefit only if you die during the term. With this type of life insurance, your coverage will go away at the end of the term.

Permanent Life Insurance

In contrast, permanent insurance provides lifelong protection and the ability to accumulate cash value on a tax-deferred basis. Unlike term insurance, a permanent insurance policy will remain in force as long as you continue to pay your premiums until the death of the insured.

HOME & AUTO INSURANCE

While automobile insurance is now required in most states, homeowners’ policies are not. Although homeowners’ insurance may not be required by law, often you will not be able to get a mortgage without it. Homeowners’ policies typically cover all hazards (fire, vandalism, storm, etc) and liability (if someone injures themselves on your property). In addition, people will purchase additional coverage for special property (jewelry, cash, etc) and flood/earthquake.

We offer affordable options for both home & auto insurance.  Contact us for a no-obligation review and information on how we can assist with your personal policies today!