Lindsey Business Group focuses on providing the full range of commercial insurance and risk management services to allow our clients to successfully manage all of their insurance needs at every stage of their business development. Our personnel have extensive experience in the key areas of policy underwriting and risk management. We successfully work with the highest-rated insurance carriers to match the evolving needs of our clients, and to obtain the broadest coverage at competitive rates.
Commercial Insurance Products
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General Liability
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Property
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Umbrella Liability
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Workers Compensation (DBA)
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Automobile & Physical Damage
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Directors & Officers Liability
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Professional Liability
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Bonding
To further educate clients on commercial insurance and risk management issues, we provide periodic insurance-related communications to keep clients up to date on commercial insurance and risk management concepts and best practices.
Insurance Needs Assessment
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Provide a comprehensive needs assessment of client insurance program
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Review insurance requirements
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Discussion of future client goals
Risk Management Evaluation
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Insurability review of existing contracts
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Subcontractor exposure planning
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Review of claims reporting procedures
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Claims history analysis for trends & areas of concern
Existing Insurance Program Review
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Examine current commercial insurance coverage – evaluate for recommended changes
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Workers Compensation insurance – examine audit history and verify Classification Codes are updated
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Property coverage analysis
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Liability limits review – projected large loss levels vs. liability amounts carried
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Assess specialty coverage needed (e.g., Defense Base Act (DBA), Professional Liability, Directors & Officers Liability, Cyber Security, Employment Practices Liability)
Commercial Insurance - Proposal Comparison
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Secure proposals from different carriers for comparison
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Review coverage options and rates with client
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Determine proposal of choice with client
Customized Plan Preparation
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Develop customized client insurance plan based on assessment/review
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Notify carriers of required policy coverage
Policy Issuance and Administration
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Commercial policies issued and reviewed
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Policy administration – Certificates of Insurance
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Review of new insurance requirements – as needed
