Commercial
Insurance
Commercial Coverage is one area that is often handled in pieces. We help bring health and business coveage together in a way that simpler and more cost efficient.
Property and Casualty
General Liability
General Liabilty covers the everyday risks of running a business, like injuries, property damage, and related legal costs. It's often the first layer of protection evey business needs.
Workers Comp
If an employee gets hurt on the job, workers comp steps in totake care of both the employee and the business. It covers their recovery and helps protect you fom the financial impact of a claim.
Business Owners
A BOP is essentially a bundled policy that covers both your liability and your physical business assets. It's a cost effective way to get solid foundational protection without having to piece together multiple policies.
Building
If you own your building, this is the coverage that protects the structure, from the roof and walls to the premanently installed systems. It makes sure a major loss doesn't turn into a major financial setback.
Inland Marine
If your tools or equipment leave your main location-whether they're in a truck on a job site, or in transit-inland marine is what potects them. Standard poperty policies usually dont cover those situations.
Commercial Fleet
If you business relies on vehicles-whether it's one truck or a full fleet-this coverage protects you on the road. It covers accidents, damage, and liability so an incident doesn't disupt your business.
Pofessional Liability
Pofessional Liabilty covers your business if a client claims your work, advice, or service caused them a financial loss. It helps with legal defense and potential settlements.
Cyber
If your business stores customer information, processes payments, or relies on systems to operate, you have cyber exposure. This coverage helps you respond quickly amd recover if something goes wrong.
Health and Benefits
Group Health
The primary health insurance you offer your employees. This can be designed in a varity of ways but it will cove doctor visits, hospital care, prescriptions, and preventitive services.
Marketplace and ICHRA
Marketplace insurance is available to businesses with les than 50 employees and ICHRA contributions are available for all businesses. This option provides a company with a lower cost alternative to traditional goup insurance.
Supplemental
Supplemental benefits can be offered as either employee paid, employer paid, or a combination of the two. These products include benefits for policies like dental, disability, life, accident, cancer, or critical illness.
Commercial Testimonials
Working with Modern Life has been a great experience from start to finish. Your team is knowledgeable, responsive, and genuinely dedicated to protecting my business. I feel confident knowing my business is in good hands and highly recommend your services. - Len H. Business Owner