Universal Business Insurance - We take pride in the level of service provided. The renewal process involves a specifically designed insurance program tailored to unique and special needs of each client. We believe the renewal process begins at the time of policy delivery. This can involve any or all of the following:

• Risk Analysis:
  A comprehensive review of all risk and exposure to loss. This includes a full review on all possible risk and loss exposures to detailed information of experience modification factor for workers compensation. All areas of insurance and risk management are explored.
  
  
• Stewardship Report:
  Detailed report of all activities, endorsements and changes made during the year
  
  
• Claims Analysis & Review :
  A complete review of all claims, accidents, incidents which have occurred. This also includes a detailed loss analysis, reviewing open, closed and reserved amounts. If needed, we can implement quarterly claim reviews.
  
  
• Special Programs & Options :
  From self insured plans to large deductible and specialized event coverage, we handle all aspects of your immediate and future insurance needs. We strive to be an expert in your business, so you don't have to be an expert in ours.
  
  
• Review of Insurance Marketing :
  The decision of how to market your insurance program is one of the most important items to include in the renewal process. We represent virtually every major insurance company offering coverage to the Hospitality industry. How your program is presented is the most important part of guarantying you the best options and solutions, not to mention the best price.
  
  
• Service Agreement :
  Universal Business Insurance will tailor a service agreement to your specific needs. Quick, accurate response and the desire to earn your renewal business is our goal. We don't ever want to forget who keeps us in business.