Property & Casualty

 

While many insurance agencies offer themselves as competent in commercial insurance, none can compare to what The Christi Insurance Group offers consistently to its clients – commercial insurance solutions.

 

The first thing that makes us unique and sets us apart from other agencies is our knowledge and expertise of how the commercial insurance marketplace works. It’s not as simple as some may have you believe.

 

There are many factors that must be addressed for your program to be effective and protect the financial stability of your business. We know what all of these factors are and how to make them work for you in the most cost effective way. The last thing you want to find out at the time of a claim is that your commercial insurance coverage was improperly structured.

 

At Christi, our commercial insurance experts have one main goal – to understand your business and the insurance risks associated with it. We don’t sell products, we sell solutions. Our team is dedicated to understanding your specific needs. We offer tailored, comprehensive and cost effective solutions to protect not only your business but your peace of mind.

 

Our 5 Step Approach to Risk Management

Common practice among our competitors is to take the approach of requesting copies of your current coverage and focusing solely on the premium. While we realize pricing is important, the cheapest premium won’t help you if you are left with a coverage gap.

 

We take the approach of treating your company as if it were our own. We invest the time to learn about your business to understand the risks that keep you up at night. In turn, this allows us to develop the most cost effective solutions.

 

Our approach to your business and its needs are best summarized in our unique 5 step approach to risk management:

 

  1. Our insurance programs are designed to meet specific needs of your business, not some similar business; your business.
  2. While most agents will submit boilerplate coverage applications, your business is unique and we realize that a “one-size fits all” approach will not work in today’s complex insurance market.
  3. We take the time to meet with your management team and key employees, as well as survey your operations.
  4. This is followed by a thorough and detailed review of your existing polices.
  5. Our in house experts analyze your contractual agreements with vendors, sub-contractors, tenants and service providers. This service includes review of indemnity agreements, hold harmless clauses and additional insure wording.

 

This detailed risk management solutions process allows us to recommend tailored risk solutions to best meet your needs. These “risk solutions” may include custom endorsements for situations that most other agencies don’t even realize an unprotected exposure exists.

Upon becoming your risk management partner, Christi remains involved with your business 365 days per year. It’s critical to have a strong risk management partner who understands the issues and has the relationships to get your story heard. Unlike some of our competitors, we maintain regular contact with our clients to better understand individual needs, discuss claim status, and deliver superior coverage with no surprises.

 

The Right Coverage

Our clients have complex insurance requirements and demanding level of service needs. That’s why they sought a relationship with The Christi Insurance Group.

 

They expect and require a team of insurance professionals who can conduct an in-depth risk analysis with the solutions tailored to their business exposures / risks. That’s what we do best – create the right insurance coverage solutions and the right protection for their businesses.

 

 

Our comprehensive protection approach, along with many unique benefits and features include the following coverage solutions:

Property

  • Building and Personal Property
  • Builders Risk
  •  Business Income
  • Extra Expense
  • Legal Liability

 

General Liability

  •  Property Damage
  • Bodily Injury
  • Personal Injury

 

Commercial Auto

  • Physical Damage
  • Liability
  • Personal Injury Protection
  • Uninsured / Underinsured Motorist
  • Non-Owned
  • Garage Keepers

 

Business Owners Policy (BOP)

Workers Compensation Umbrella

  • Commercial Umbrella
  • Marine Bumpershoot

 

Specialty Liability

  • Professional Liability
  • Errors & Omissions
  • Directors & Officers
  • Liquor Liability
  • Pollution
  • Marine

 

Miscellaneous Commercial

  • Boiler & Machinery
  • Crime
  • Inland Marine
  • Special Event
  • Ocean Marine

 

 

Industries We Serve

Aligning your company with the right commercial insurance provider – one that can deliver exceptional coverage at a competitive price – is essential to your profitability and success. We provide custom insurance products that allow our clients to protect their balance sheet and grow their business. Our clients span a broad business spectrum from large global firms to local businesses. It is this broad spectrum of experience and knowledge that we bring to every client situation that makes us standout in our industry. A “typical” agent cannot bring this type of value to a client relationship. We can!

 

Some of the industries we proudly service include: 

 

  • Construction
  • Manufacturing
  • Distribution
  • Financial & Professional Services
  • Retail
  • Commercial & Personal Real Estate
  • Technology, Media & Entertainment
  • Marine
  • Transportation