A risk to your business can quickly become a disaster in the blink of an eye—not just to you but also to the people you love—the people who depend on you.
At BCF Group we know how important protecting your business is—and how expensive it can be. That’s why our PRISM process examines deeply specific needs to ensure your company is protected in every way, saving money later in case of disaster—and saving money now with efficient customized coverage.
General Liability Insurance
No matter the size and services of your business, something can always go wrong, and injury or a lawsuit can be all it takes to shatter your dreams. We’ll work with you to determine all your unique risks and ensure that no matter what happens you can keep doing what you love—and share it with the world.
Business Auto Insurance
It doesn’t matter what business you’re in, your vehicles are your biggest risk. From a single car to a large fleet, your drivers and other drivers on the road are totally out of your control, even though their actions can cost you everything. We help our clients implement coverage for their unique needs, ensuring that business as usual can stay business as usual.
Commercial Property Insurance
Your building and contents are among the most valuable assets of your business. From natural disasters to fires to criminal acts, the risks they face are diverse and can be beyond expensive. We design coverage specific to the unique needs of your business to ensure that when disaster strikes you’re protected.
Workers’ Compensation Insurance
Your employees are your most valuable asset. Even though you do your best to protect them and nurture them, accidents happen, and injured employees can bring about massive financial risks. Beyond minimum coverage, we work to ensure that you’re protected from employee issues that could cause financial devastation.
Commercial Umbrella Insurance
General liability and auto coverage are standard issue for any business. Unfortunately, that doesn’t mean you’re completely insulated from risks—even the risk of massive auto-based lawsuits. Our commercial umbrella coverage looks at your unique risks beyond basic coverage to ensure that you’re protected from costly incidents.
Cyber Liability Insurance
Cyber crime is an ever-growing risk for business. From payroll phishing schemes to ransomware, day-to-day operations can unfortunately open the door for nefarious hackers who can shut you down and extract massive sums of money. Cyber insurance ensures that your unique online risks are covered.
Employment Practice Liability Insurance (EPLI)
Wrongful termination, discrimination, and sexual harassment are three of the most common employment-related lawsuits. Not only do they harm company culture—they can be ruinously expensive. By taking a proactive approach and examining your unique risk profile, we can insulate against these frightening issues and their financial consequences.
Errors and Omissions Liability Insurance (E&O)
As a consultant, you offer your best advice to the businesses you serve. Sometimes, despite your best efforts, your advice can lead to a loss—and that business can hold you financially accountable at great and sudden cost. E&O coverage ensures you’re protected so you can focus on offering your best counsel, worry-free.
Directors and Officers Liability Insurance (D&O)
Serving on a board or volunteering at a nonprofit offers immense value to the community. Sadly and shockingly, despite your best intentions, things can still go wrong. And if someone feels your input was to blame, you can be sued. D&O insurance ensures your covered when things go wrong, despite your best intentions.
At least 25 percent of businesses that close after a destructive event, such as a flood, never reopen. Unfortunately, whether or not you’re in a flood zone doesn’t mean it can’t happen to you—and property insurance won’t cover the expense. We’ll find a policy that will protect your business, as well as its physical contents and assets, from the damage costs that come from floodwater.
Businesses depend on their employees. Though an employee seems to be someone we can trust, and would be the last person to steal from us, countless businesses every day learn this isn’t the case. Crime insurance protects you from the very real scenario that someone you trust steals from you and allows you to keep going despite the financial and emotional costs.
Systems Breakdown Insurance
Property insurance doesn’t cover everything—unfortunately, businesses often learn this the hard way when sudden or accidental damage to equipment isn’t covered. We’ll design comprehensive coverage to ensure that equipment can be repaired and replaced without sudden ruinous, unexpected cost.
Business Owners Insurance (BOP)
It’s important to be covered against risks your business faces—but it’s equally important to do so in a cost-effective way. How can you be insulated from risk but still save money? A business owners policy combines property and liability insurance to cover the unique risks of your small business while minimizing your costs.