Business Insurance
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.

Services we provide:

TECHNOLOGY
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:

• Worldwide coverage
• Workplace safety programs
• Research & development coverage
• Product recall protection

MANUFACTURING
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:

• Recommendations on written safety programs
• Aggressive dividend plans or workers' compensation
• Claims handling guidelines

FOOD PROCESSING
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:

• Peak season inventory coverage
• Market price/Selling price valuation of your product at time of loss
• Change in temperature/humidity