Services

Traditionally, insurance costs are affected by many factors including economic, demographic, and even geographic circumstances. We work with the most stable and A M Best financially rated insurance carriers to proactively reduce these inherent variables as much as possible. The large factor in determining the cost of insurance is your claims history.

We help you take control of your insurance costs by helping you implement strategies to control losses. We will institute safety and prevention programs, manage the efficiency of claims, and employ cost containment strategies. Our Beyond Insurance process ensures that your insurance costs will be insulated from market fluctuations or the standard assumptions made by insurance underwriters that are unfamiliar with your actual business practices.

Unlike standard insurance agencies with their 90 day bidding process, we work to improve your risk profile and monitor your unique programs continually throughout the year. Our goal is to design a program that provides the best risk containment options in the most economical way for the longevity of your business.

serviceProducts

Universal Business Insurance offers a number of policies and service to numerous to name. Please contact one of our insurance professionals for additional Information on our coverages and services.

Bonds

  • License & Permit
  • Bid
  • Payment & Performance
  • Court
  • Notary
  • Fidelity
  • ERISA (401k)

Commercial Lines Insurance

  • Boiler and Machinery/Equipment Breakdown
  • Business Auto
  • Commercial Casualty
  • Commercial Property and Business Interruption
  • Crime
  • Earthquake
  • Electronic Data Processing
  • Equipment Floater/Inland Marine
  • Flood
  • Garage and Dealers
  • Glass and Sign
  • Installation and Builders Risk
  • Transportation
  • Umbrella
  • Workers Compensation
  • Directors and Officers Liability
  • Employment Practices Liability
  • Errors and Omissions
  • Professional Liability
  • Abuse & Molestation Liability
  • Cyberliabilty
  • ID Theft Liability

Employee Benefits

  • Group Health Benefits
  • Dental Plans
  • Retirement Solutions
  • Partially Self Funded
  • HSA’s & HRA’s
  • HR & Legal Services
  • Group Life & Disability

Personal Lines Insurance

  • Auto Insurance
  • Home Insurance
  • Umbrella Insurance
  • Disability Insurance
  • Health Insurance
  • Life Insurance
  • Supplemental Health Benefits
  • Renters

Specialized Services

  • Human Resource Training and Support
  • Safety Consulting
  • Accounting and Bookkeeping
  • Strategic Planning
  • Assessing and Managing Risk
  • Marketing
  • Cost Tracking
  • Fleet Safety
  • Claims Management
  • Work Compensation Claims Management