Copyright © 2004
Phillips Insurance
Agency, Inc.
Insurance costs are a major
portion of overhead for most businesses. Each industry has its own unique set of exposures
that they must protect from loss. We provide our clients with a comprehensive review of
their exposures and make recommendations regarding what coverages are needed, what limits
and deductible levels are appropriate and what exposures may be best controlled in ways
other than insurance. This process is the Risk Management function that we provide our
clients. We don't just price policies. We educate and then advise our clients. For us to
be successful we work to become a partner in your business, a trusted and respected part
of the team.
At Phillips Insurance we provide the following services:
Risk Management Review- Loss control Analysis
- Claim handling overview
- Flexible financing options
- Alternative risk transfer options
CONSTRUCTION (see surety section) TECHNOLOGY MANUFACTURING FOOD PROCESSING
Contractors face a wide array of
exposures each time they set foot on a new project. Whether you are a general contractor,
heavy highway or subcontractor, you have unique exposures. We deal with a number of
insurance companies that specialize in the construction industry. We are able to provide
exceptionally broad property and liability coverages. We can assist you in choosing the
best loss sensitive plan for your workers' compensation program. We will thoroughly
explain all coverage enhancements and exclusions so that you are not caught in a uninsured
situation. We have an experienced staff that is used to handling the paper flow associated
with contractor accounts.
Some of the services provided include:
We have the expertise and the
carriers to handle the complex exposures that exist in the world of manufacturing
equipment, components, the development of software, and computerized instruments. We have
customized package policies that cover everything from liability to errors and omissions.
Our carriers offer in-depth loss control services that will help you identify your
exposures and control them, which will result in lower insurance costs.
Some of the services provided include:
Whether you manufacture masonry
blocks or windows, we can provide you broad coverage options on your plant and equipment
as well as business interruption and business income options. Phillips Insurance has a
number of aggressive workers' compensation programs available and all our carriers offer
excellent and productive loss control services.
Some of the services provided include:
A custom program for the unique
exposures faced in the food processing business. Whether you manufacture pasta or
distribute fruit, this is the program for your business.
Some of the specialized coverages include: