Business Insurance

Your Trusted Business Advisor

At General Insurance Services, our approach to business solutions is consultative and focused on managing and mitigating risks rather than selling insurance.

We strive to be a trusted business advisor, not a vendor of a product. Our disciplined approach, planning process, and service standards differ significantly from the traditional insurance agent or broker.

We begin with the identification, evaluation, and measurement of risk. We use an audit process to develop a clear understanding of an organization's operations, exposures, and risk profile. While the short-term objective is to evaluate risk, the long-term goal is to design and build programs to positively impact an organization's bottom line through the strategic elimination, reduction, and/or shifting of risk.

 

Industry Specialties

We don’t stop at a basic understanding. We specialize. Our industry specializations provide access to products and carriers whose underwriting concentration are distinctive to your class of business. In order to design the most appropriate, comprehensive, cost-effective program a complete understanding of your daily business operations, challenges and opportunities is essential.

 

Manufacturing & Distribution

Manufacturing is a dynamic industry—consistency can be hard to attain amidst global competition, enhanced sustainability, worker safety and employment issues. We’re here to help design a program to leverage these risks that face your business. The end result: a safer, healthier more productive company.

Construction

The unique risks associated with Contractors are rapidly evolving. Do you need help navigating the insurance requirements in your construction contracts? Do you need help managing your experience mod to remain eligible to bid on jobs? Changes in OSHA reporting requirements place an increased burden on you, the employer. Our experts can help advise your business in each of these areas.

Education & Public Entities

Municipalities, schools, and other public entities are complex and multi-functional businesses. They deal with a range of issues such as aging infrastructure, cyber liability, law enforcement issues including Distracted Driving. Our experts can help advise you in each of these areas.

Non-Profit Organizations

Non-profits are susceptible to many risks when fulfilling their mission to the people or causes they serve. Protection and Education for directors and officers, staff and volunteers is critical. As is protection against theft and fraud, discrimination claims and the potential mismanagement of funds.

Real Estate Owners

Investing in real estate carries a great deal of both reward and risk. We’ll help you prevent and minimize loss, manage claims for positive outcomes, and provide unique solutions relieve you of tenant insurance tracking, potentially creating a new source of revenue.

Auto Services

Is your auto shop earning referrals for repairs on bodies, mufflers, transmissions, exhausts or windshields? Maybe you stay busy with a steady stream of customers at your car wash or quick lube and oil change chain. Whatever automotive service you provide, there’s never enough time to think about insurance. We understand, and that’s why we’re here to provide support whether you’re choosing a policy or filing a claim.

Restaurants & Breweries

Running a restaurant is challenging enough without having to worry about things like lawsuits, loss of income or property damage. Adequate restaurant insurance can help reduce these worries and help you concentrate on your food and customers. Restaurants and breweries face a wide range of risks every day, and each business is unique.

Office & Retail

Whether you are a corporate office or a retailer of clothes, furniture, or business supplies, you need to feel confident that your customers, employees, and property are protected. Let us help you find the coverage that fits your needs.

Agribusiness

To succeed in today’s evolving agribusiness landscape doesn’t just mean knowing your farm. These days, it’s critical that you stay up-to-date on the risks that threaten it, and understand your options to protect it. Our industry insights, strength of coverage, and the competitive advantage we deliver to our policyholders by keeping them ahead of emerging risks, are just a few reasons why we’re the right choice to protect what matters most to you.