z.Business Insurance

Trust Duncan Financial with your Business Insurance

How a strategic, comprehensive approach to managing risk in your business, professional practice or nonprofit organization can benefit YOU.

 

Your Trusted Advisors

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Business Insurance Solutions

Business leaders have told us they turned to Duncan Financial Group because:

  • You need an experienced team that can take the time to truly understand your business.
  • You need an insurance program specifically designed for your needs, not a boilerplate policy.
  • You are looking for creative results in managing your insurance costs.
  • Unique or customized servicing requirements are necessary.
  • Access to the entire insurance marketplace, including alternative programs such as Captive or Self Insurance, needs to be explored.
  • Understanding how to manage your risks in order to make them more attractive to insurance carriers will drive down insurance costs.
  • Reducing or eliminating the headaches and frustrations of managing your insurance program is a top priority.

Workers’ Compensation

 

Here’s some big news: Many business owners pay more for Workers’ Compensation insurance than they legally should. Here’s some BIGGER news: They don’t have to.

Employers appreciate that the Duncan staff is composed of Certified WorkComp Advisors or Certified WorkComp Specialists that know the Workers’ Compensation system inside and out. CWCAs and CWCSs know that each part of the process (audit, experience modification factors, back-to-work programs, employee classification, claims handling and more) can be riddled with potential errors, causing employers to be frustrated and overcharged. With over 800 different employee classifications, it’s not surprising that errors can sometimes slip through. We’re your safety net to make sure that doesn’t happen. Let us review your Workers’ Compensation and safety program to see if we can help you reduce your costs, have an error-free program, and get your employees safely back on the job.

Business Auto

If your business utilizes any sort of vehicle for any reason, our business auto coverage can help keep you safe in the event of vehicular failure. We insure vehicles which are owned, leased, hired, or borrowed by several kinds of businesses. The best part is that we mold your auto coverage to meet your business’s distinct needs. The goal is to provide you with the perfect plan now and for later.

Even if your business does not own any vehicles, you still have risks facing your business of employees operating their own vehicles in the course of working for you.

Property & Equipment / Inland Marine

 

Property insurance covers the risk of property loss in several commercial situations. That includes buildings, equipment, furniture, fixtures, inventories, business records, supplies, and other items.

Property insurance may cover two types of losses:

  • Direct losses may be covered when property is lost, stolen, damaged, or destroyed
  • Indirect losses related to direct losses may also be covered

Equipment/Inland Marine basically provides property coverages to things you own that may leave your operating location such as forklifts, excavators, tools, air compressors, and other mobile equipment and tools.

General Liability

General Liability Insurance protects a business against bodily injury or property damage claims made by other parties. General Liability Policies provide coverage for liability arising out of:

  • Premises & Operation
  • Fire Damage Liability
  • Personal & Advertising Injury
  • Medical Payments
  • Products & Completed Operations
 

Umbrella/Excess Liability