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Commercial Insurance

Commercial insurance protects businesses, owners and stakeholders from common risks that cause property damage and injury to customers or employees.

Commercial Insurance

Commercial insurance protects businesses, owners and stakeholders from common risks that cause property damage and injury to customers or employees.

Keep Your Business Protected & Secure

Commercial insurance is designed to protect businesses from financial loss due to unforeseen events. It provides coverage for a range of risks and exposures that businesses face, such as property damage, liability claims and employee injuries. Commercial insurance policies can be customized to meet the specific needs of a business, depending on the size of the business, the industry it operates in and the type of risks it faces.

Real Estate

As leaders in insuring community associations and apartment buildings, Total Insurance is at the forefront or providing highly competitive insurance solutions – both in coverage and price. We not only look at what is needed to appropriately insure against financial loss, but we also explore new products and ideas that can offer property owners, renters and management firms a greater level of insurance protection.

Our signature services include:

  • Risk management review of current insurance program
  • Insurance solutions taking advantage of scale and size
  • Custom liability solutions
  • In-house claims management

Entertainment

Total Insurance offers insurance products and risk management for restaurants, bars, taverns, nightclubs and gentlemen’s clubs across the country.

Our product offerings include:

  • General Liability
  • Commerical Property Insurance
  • Cyber Liability
  • Professional Liability
  • Umbrella Insurance
  • Risk Management Strategies
We understand the challenges business owners in the entertainment and hospitality industries face because we have prior restaurant owners working on our team. They take their first-hand industry expertise and build insurance programs that protect your business.

Manufacturing

Having worked with manufacturing companies over the last several decades, we understand how unique your insurance needs may be, especially if your production is split between two or more countries.

We work with you to identify:

  • Your manufacturing processes
  • Any subcontractors involved in the processes
  • Who is selling or representing your product
  • The end user of your product
Through this process we are able to tailor the program that meets your direct manufacturing exposures as well as indirect exposures from overseas manufacturing.

Consulting

At Total Insurance, we approach the art of insurance differently. While traditional insurance brokers are focused on “selling” an insurance product, most are emulating the program already in place – just trying to replicate the coverage at a lower cost.

Our multi-dimensional platform of professionals, including professional risk management, CPA, staff attorney and MBA, brings a unique perspective to analyzing risk and identifying the appropriate risk financing and risk control tools that are effective for managing exposures.

Consulting services include:
  • Risk Assessments
  • Loss Assessments
  • Workers' Compensation Classification Analysis
  • Insurance Policy Audits

Restaurant & Hospitality

No matter the type of establishment—be it a trendy fine dining restaurant, bustling fast food joint, vibrant bar or tavern or a round-the-clock eatery—we offer tailored solutions to safeguard your business. Our insurance solutions can help protect against financial burden in the case of:

  • Inadvertently selling contaminated food that led to customer illness
  • Closure during the busiest day of the year for a covered reason
  • Fire damage caused by an approved decor item or kitchen appliance
  • Customer injuries due to alcohol consumption
We know your business, we understand your risk; let us create a specifically tailored program for your unique business needs.

Transportation

Total Insurance has represented transportation risks ranging from 15-unit companies to those with over 100 power units. We understand the regulatory requirements transportation companies face and develop insurance solutions from specialized carriers to address the regulatory requirements.

Regardless of your segment of the industry, we have the risk management and insurance solutions to meet your needs, including:

  • Primary Auto Liability
  • Physical Damage
  • Motor Truck Cargo
  • General Liability
  • Workers' Compensation
  • Occupational Accident
  • Excess/Umbrella Coverage
  • Non-Trucking Liability
  • Bonds