Coverage we place across commercial lines.
Four core lines, one advisory relationship. We review what you carry before we quote what we want to sell.
01
Fleet, gig economy, and delivery operations
Commercial auto is expensive and misunderstood. Most carriers price the same risk three different ways — we place it with the market that prices it correctly.
What's included
- Fleet coverage for businesses of all sizes
- Specialized coverage for delivery operations and gig economy
- Hired and non-owned auto
- Cargo coverage
02
Programs, e-mod management, classification review
Misclassification is extremely common and extremely expensive. We review your classifications before we quote — and often find money sitting in your current program.
What's included
- Standard workers comp programs
- Experience modification rate management
- Classification review (misclassification is common and expensive)
- Return-to-work programs
03
Premises, products, contractual
GL is the line that quietly causes the most renewal surprises. We design it deliberately — not as a default add-on.
What's included
- Premises and operations liability
- Products liability
- Completed operations
- Contractual liability
04
Professional liability for healthcare providers
Independent physicians, group practices, and ancillary providers — placed through markets that understand the practice model. Our HLG provider relationships through Practice LogistiX and MedOne give us perspective most brokers don't have.
What's included
- Professional liability for independent physicians
- Group practice coverage
- Ancillary provider liability
- Coordinated with employee benefit programs through HLG
One advisor. Four lines. Plus your employee benefits if you want it.
Most businesses split commercial coverage across three brokers and an in-house benefits person. We bring it under one roof — with the option to layer in employee health benefits through Health Logistics Group.