Highly Competitive Commercial Insurance Products

Our expertise and focus on commercial insurance consistently lowers premiums and increases coverage for our clients

Commercial Insurance Brokers

venzel brown

Here at Clopton Insurance Services, we’re one of the most trusted names in commercial insurance, helping you and your business get the full range of custom coverage you need to keep your business safe from liability. Browse our insurance types, learn more about us, and find out how the right insurance coverage can make the difference for your business’ success.

Types of Insurance We Offer

venzel brown

We offer custom policies for a range of insurance types, including these primary areas of coverage.

General Liability Insurance

General Liability
Insurance

General liability insurance provides coverage to an insured for injuries and damages that may occur due to the negligent actions of the insured. It also covers any property damage or bodily injury, including death, caused by an insured’s negligence.

Workers Compensation

Workers
Compensation

Workers compensation insurance is a type of insurance that provides benefits to employees who are injured or become ill as a result of their job. Benefits can include medical expenses, income replacement, and death benefits. Workers compensation insurance is typically mandatory in most jurisdictions, meaning employers must provide coverage for their employees.

Disability Insurance

Disability
Insurance

Disability insurance is a form of insurance that pays you an income if you can’t work because of injury or illness.

If you get hurt and you can’t work for a while, your disability benefits will help pay your living expenses so you don’t have to worry about the more expensive items, such as mortgage payments and car payments. Disability insurance also pays benefits to people with mental health problems and diseases that affect their ability to function. A disability may be permanent or temporary. Some people buy long-term disability coverage in case they get injured and can’t work for a long time, while others buy short-term disability coverage in case they get sick with a short-term illness like the flu.

Errors and Omissions Insurance

Errors and Omissions
Insurance

Errors and omissions insurance (E&O) is a type of liability insurance that protects professionals such as doctors, lawyers, and accountants against claims that they made mistakes or were negligent in their work. E&O insurance can also protect businesses from losses resulting from the negligence of their employees.

Business Owner's Policy

Business Owner’s
Policy

A business owners insurance policy is a type of policy that provides coverage for business-related losses. This type of policy typically includes property and liability coverage, as well as business interruption coverage.

Property insurance covers the buildings and equipment owned by a business. It also provides coverage for some items used in a business, such as furniture. Property insurance is sometimes referred to as “property damage” or “comprehensive” coverage. This type of policy typically pays for damages caused by a covered peril, regardless of who is at fault.

Cyber Liability

Cyber
Liability

Cyber liability insurance is a form of financial protection for businesses that suffer data breaches, security breaches, and ransomware attacks. Cyber liability insurance pays the company’s defense attorneys and other companies or individuals that “support” their business needs.

Get Insurance Packages
Tailored Just for You

venzel white

Another desirable part of our services is that we do not generalize our offers. While some insurance policies may apply to any business, others may not, and we very well recognize and work in line with this actuality. We tailor our insurance coverages to the particular needs of your business.

We are open to providing commercial insurance broker services to companies that cut across various industries such as construction, real estate, transportation, food industry, technology, nonprofits, and health care, to mention but a few. Regardless of whichever industry your business falls into, we can adequately prepare a suitable insurance package just for you, tailored to cover all your possible risks.

Why Insure Your Business?

venzel brown

Small business owners, and even those with microbusinesses who operate their microbusiness as an LLC, need to consider a number of different types of insurance. The most important type of insurance is liability insurance, which covers you in case someone is injured on your property or as the result of your business. You should also have property insurance to protect your business property in case of damage or theft, and business interruption insurance to cover you in case your business is forced to close temporarily due to a disaster.

Why Choose Us as your Commercial Insurance Broker?

venzel white

We charge a flat fee for our services, which includes helping you identify the types of coverage you need, finding multiple company quotes, and negotiating on your behalf so that you receive the best price available. Because we specialize in this area of insurance, our commercial brokers often have access to unique exemptions and discounts usually not offered by other insurers.

Commercial Insurance Broker FAQ

venzel brown

Looking for more information about commercial insurance brokers? Here are some of the most common questions answered, from the basics to more advanced terms that will help you be more educated when it comes time to choose the right insurance broker for you— and get the coverage you need to keep your business safe from damaging liability.

Who are the Commercial Insurance Brokers?

Commercial insurance brokers are an integral part of the commercial real estate industry. Finding an insurance brokerage you trust is key to finding the right insurance for your needs, and we’re here to help you choose the best broker for tracking down a dependable independent insurance agency. From general liability insurance to errors and omissions insurance (E&O insurance) to cyber liability insurance, disability insurance for employees, workers insurance compensation, and other insurance for business owners, we’re one of the best insurance brokers in the nation.

Commercial insurance brokers are responsible for two major aspects: consulting and sales. The broker consults with business owners and their attorneys to help them understand what type of coverage they need and who best to provide it, while also educating them about risk management, property tax claims, workers’ compensation, and other related topics. The broker’s sales role is to find a carrier that can give the client all the protection they need at a competitive price. They work with various types of businesses such as restaurants or retail shops in addition to office buildings or industrial complexes which includes everything from brick-and-mortar stores to warehouses.

What Does a Commercial Insurance Broker Do?

A commercial insurance broker assists businesses with considering different types of insurance for their company. They can also assist with the formulization of a company’s risk management plan to include not only the exposure to liability, but also exposure to business interruption. The broker will look at all aspects of the business and identify the risks and how they should be dealt with.

Finally, they can make recommendations on benefits and coverage regarding workplace safety and health.

How To Find the Best Commercial Insurance Broker?

When looking for a commercial insurance broker, it’s important to consider the following factors:

  • The broker’s experience and expertise in the industry
  • The broker’s reputation and track record
  • The scope of services offered by the broker
  • The fees charged by the broker
  • The terms of the broker’s contract
  • The quality of the broker’s customer service
  • The financial strength of the broker

Are you looking for a commercial insurance broker? To find an experienced and reputable insurer, do your homework. Review the above checklist to help you ensure that you hire a qualified representative.

What Insurance Do I Need For A Small Business?

Small business owners, and even those with microbusinesses who operate their microbusiness as an LLC, need to consider a number of different types of insurance. The most important type of insurance is liability insurance, which covers you in case someone is injured on your property or as the result of your business. You should also have property insurance to protect your business property in case of damage or theft, and business interruption insurance to cover you in case your business is forced to close temporarily due to a disaster.

When you need to purchase commercial insurance, there are numerous companies that provide competitive prices. You can find information about these companies online or in the business section of your local library. There are also private commercial insurance brokers that you can work with to compare different quotes and find the best rates for your money.

Brokers typically charge a flat fee for their services, which includes helping you identify the types of coverage you need, finding multiple company quotes, and negotiating on your behalf so that you receive the best price available. Because they specialize in this area of insurance, commercial brokers often have access to unique exemptions and discounts usually not offered by other insurers.

Why Hire a Commercial Insurance Broker?

The average American business has at least six different kinds of insurance, and while you can shop for coverage on your own, it’s wiser to consult with a broker to ensure you are getting the best possible deal.

Brokers are independent representatives who specialize in looking for the best rates based off of your individual needs. The broker will not increase their commission by selling you a policy that isn’t right. They also understand what type of coverage will work for your situation, which is something many people find difficult to figure out on their own.

What Should You Look For in a Commercial Insurance Broker?

It is important to consider the following factors:

  • Are they licensed in your state?
  • Do they have experience in the type of business you operate?
  • Do they have access to multiple insurance carriers?
  • What are their fees?
  • What is their turnaround time for policy quotes?
  • Do they have a good reputation?
  • Can they provide references?

Before engaging a broker, make sure you understand what your business needs. There are different types of insurance brokers: generalist, wholesaler and boutique. A generalist will sell all types of policies; a wholesaler sells only to certain industries (such as construction) whereas a boutique broker caters to certain clients (such as independent retailers). Your choice should depend on the type of policy you need. For example, if you run an accounting firm with less than ten employees, then it would be better to use a boutique broker who has access to multiple smaller carriers rather than one large carrier. Generalists can also offer discounts for buying more than one policy from them at the same time.

How To Use an Insurance Broker?

A commercial insurance broker is an insurance agent who helps businesses find the best insurance policies for their needs. Brokers can also help businesses negotiate lower rates on their insurance policies.