[thw_action alignment=”left” title=”Commercial Lines” title_heading=”h2″ title_size=”36″ title_color=”#3d4049″ title_weight=”700″ sub_title_weight=”” intro_text=”Business Insurance Services offers an array of commercial lines insurance products including package policies, fire, liability, workers’ compensation, umbrella, flood, bonding and much more. High priority is placed on understanding our client’s business and its insurance needs. Business Insurance Services assists its clients by protecting their assets. We also place large and difficult lines of insurance efficiently and effectively.”][thw_action alignment=”left” title=”Personal Lines” title_heading=”h2″ title_size=”36″ title_color=”#3d4049″ title_weight=”700″ sub_title_weight=”” intro_text=”Business Insurance Services offers full personal lines insurance protection with coverage for homeowners, automobiles, boats, personal property and personal liability umbrellas.”][thw_action alignment=”left” title=”Risk Management” title_heading=”h2″ title_size=”36″ title_color=”#3d4049″ title_weight=”700″ sub_title_weight=”” intro_text=”Client advocacy is the specialized Risk Management approach we take at Business Insurance. We concentrate our focus on best business industry practices and what is in the best interest for your business. Whether it’s supporting your overall efforts towards establishing a true safety culture, managing insurance carrier services, or providing guidance with regulatory agency compliance, we are there every step of the way. As your insurance partner, we will identify your loss drivers, hazards and risks and help you develop programs to minimize risk to achieve an overall safe workplace environment. This approach provides solutions to control losses which will help to impact your experience modification and lower premiums.”][thw_action alignment=”left” title=”Claims” title_heading=”h2″ title_size=”36″ title_color=”#3d4049″ title_weight=”700″ sub_title_weight=”” intro_text=”At Business Insurance Services, we recognize that the true value of an insurance contract is determined when a loss occurs. For this reason, our claims department is dedicated to assisting clients in preparing, processing and expediting claims. On an ongoing basis, loss reserves are reviewed so that they may be reduced whenever possible, avoiding the higher premiums that result from overstated loss reserves.”][thw_action alignment=”left” title=”Life and Employee Benefits” title_heading=”h2″ title_size=”36″ title_color=”#3d4049″ title_weight=”700″ sub_title_weight=”” intro_text=”Business Insurance Services’ life department specializes as a life and employee benefit consultant. Broad experience with many insurance carriers assure that clients will receive proper planning and competitive products to meet their specific needs.”][thw_action alignment=”left” title=”Health Insurance” title_heading=”h2″ title_size=”36″ title_color=”#3d4049″ title_weight=”700″ sub_title_weight=”” intro_text=”Business Insurance Services’ health department assists clients in achieving comprehensive, competitively priced health insurance packages for their employees.”][thw_action alignment=”left” title=”Long Term Care” title_heading=”h2″ title_size=”36″ title_color=”#3d4049″ title_weight=”700″ sub_title_weight=”” intro_text=”Planning for Long Term Care is needed with today’s medical advances and longer life expectancies. Access to the leading insurers in this field assures clients that they will receive a quality program and product to prepare for the potential high expense of nursing home, assisted living and home health care.”][thw_action alignment=”left” title=”Disability” title_heading=”h2″ title_size=”36″ title_color=”#3d4049″ title_weight=”700″ sub_title_weight=”” intro_text=”Disability and the resultant loss of earnings can place a financial burden on individuals and families, often resulting in the loss of accumulated assets. The chance of disability being much greater than the event of death, it is prudent to plan for this possibility. Business Insurance Services offers both individual plans as well as group employer-based plans.”][thw_action alignment=”left” title=”Group Life” title_heading=”h2″ title_size=”36″ title_color=”#3d4049″ title_weight=”700″ sub_title_weight=”” intro_text=”Business Insurance Services provides the necessary planning to assist businesses and associations implement group life benefits for employees and their families. “]