Commercial Insurance

We currently provide commercial insurance products for a wide array of businesses in the greater Tri-Cities area, and we're growing every day. Contractors, restaurants, distributors, retail stores, and manufacturers just to name a few.

Products we offer include:

Property Coverage
Covers buildings, business personal property, and property of others in and around the insured's premises.
General Liability Coverage
Covers the insured should someone become injured on their property or should the insured be found negligent while working.
Automobile Coverage
Covers the insured for negligent liability caused by the operation of a motor vehicle owned by the insured's business.
Inland Marine Coverage
Coverage that covers specified business personal property listed on a schedule.
Crime Coverage
Covers loss of property through criminal activity such as employee dishonesty, robbery, burglary, computer fraud, forgery, etc.
Worker's Compensation Coverage
Covers employees of a business for injuries or diseases that occur during the course and scope of their employment.
Umbrella Coverage
A 'top' layer of liability coverage that broadens limits of coverage for automobile, general liability, and worker's compensation coverage already in place.
Business Owners Package Policy
Provides property and liability coverage in one policy for small businesses; commonly called a BOP.
Commercial Package Policy
Similar to a Business Owners' Package Policy, but for medium or large businesses; commonly called a CPP.
Fidelity and Surety Bonds, such as Probate bonds (executors, administrators, etc.), Notary Bonds, Performance and Bid Bonds, ERISA Bonds, and other similar bonds.

Our staff provides the following services:

Annual Reviews
Our first responsibility for our clients is to annually review policies currently in force to ensure the correct coverages and classifications are in place to cover business needs. Once the annual checkup is completed, coverages are shopped with our markets in order to provide the most competitive pricing available from the most financially viable company. With access to several local, regional, and national insurance companies, our customers get the best value for their insurance dollars.
Loss Prevention Techniques
Another service provided, in an effort to assist our clients in controlling insurance costs, is loss prevention techniques. Working either on our own or in conjunction with our company's safety engineers or loss control managers, we help our clients identify potential or current loss trends or exposures, then investigate methods to mitigate or eliminate those trends. Loss prevention techniques have proven results in containing insurance costs and our customers benefit from this service in the amount of premiums they pay.
Proper Industry Evaluation
We are members of SAGE, a division of Silver Plume, who leads the property and casualty industry in providing information on the proper classification of particular risks. Included in this are descriptions of thousands of United States Standard Industrial Classifications (SIC), and all their sub-classification system, to ensure proper premium charges. SAGE also provides public protection class codes, auto symbols, territories, coverage analysis information, brochures, and all forms necessary to get your business insured.
Human Resources and Compliance
Agents at Kerr-Boswell have access to Human Resource organizations that provide answers to questions involving our business insurance clients and their employees. Items like HIPPA, COBRA, or any other human resource problem that may arise can be researched by us.
Quick and Timely Response
Operating a business is a time-consuming task. We at Kerr-Boswell respect and value our customers' time, knowing that business owners have many responsibilities and obligations outside of insurance. Therefore, our staff makes every effort to respond to our customers' needs in a timely and efficient manner. Our customers are our first priority.