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Small Business Insurance Agency

Small Business Division

For nearly 50 years R&R Insurance has been handling the needs of small commercial clients. To our family-owned and operated business, no operation is too small to see the need to cover your interests.

Unlike direct insurance writers, R&R goes to market for you. We bring competition on your account from the top regional and national insurance carriers with an eye on who specializes in your unique market segment. Our aim is to ensure your business has the necessary coverages at the most affordable price.

Choosing an insurance agency is choosing a strategic partner. R&R differentiates itself by providing small business a long list of available markets, top notch claims support, client education opportunities, and a host of agency resources.

 

R&R’s Unique Approach

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R&R Insurance is an Independent Insurance Agency meaning we serve the interest of our over 7,000 commercial clients rather than the interest of one insurance corporation. We market your business to the top regional and national insurance carriers to ensure you have the strongest coverage options and best price available.
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Knowledgebroker Insights

Your supplier contracts, equipment lease agreements, indoor and outdoor hazards and your businesses digital footprint all represent areas of substantial risk to your operation if not properly controlled.

The business environment is always changing, and in today’s environment not understanding how these risks can destroy your business and deplete your assets is a huge mistake.

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Knowledgebroker Impact

Taking on the risk of another organization through a contract or lease agreement should only be done after careful and thoughtful analysis. Many business owners unknowingly, take on financial and legal obligations without ever knowing they have done so.

Few businesses have the financial resources to take on these additional risks and costs. Every business owner should understand the contractual risk transfer process.

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Knowledgebroker Solution

R&R’s team of professionals are skilled in designing programs to maximize coverage and protect your organizations assets, while being cost competitive. R&R’s team of Professional Services employees can help you evaluate your organization’s contractual risk transfer exposure and most importantly, outline mitigation strategies to ensure your business is properly protected.

Small Business Insurance Products

  • Business Owners Policy – is an enhanced business insurance policy that combines property insurance and general liability insurance
  • Commercial Package Policy – a comprehensive policy that includes coverage for commercial property, business income and general liability coverage into convenient package
  • Umbrella Liability and Excess Liability Protection – extends an additional layer of protection if your primary liability limits are exceeded due to loss or damages
  • Commercial Auto Coverage – covers the company owned vehicles and trucks you or your employees may use in the course of operating your business
  • Non-Owned Auto Coverage – covers your liability when the personal vehicle of an employee or temporary staff is driven for business
  • Commercial Crime – protects business owners from the costs associated with employee dishonesty, computer and funds transfer, forgery or alteration, money and securities and theft of a client’s property
  • Workers Compensation - protecting your workers in the event they are injured on the job. Provides for lost wages, medical expenses, including funeral costs and death benefits. Legal fees are also included should an injured person sue the policyholder
  • Cyber - coverage that helps protects against a wide range of cyber risks associated with manufacturing, including industrial control, supervisory control and data acquisition systems and output devices
  • Directors and Officers Liability – coverage is customized to help protect the personal assets of a privately owned company's directors and officers and the financial well-being of the company. As a director or an officer of a company, you can be held personally responsible for management decisions
  • Professional Liability – protects business owners from the risks you face in delivering your professional services
  • International Products – coverage for importing or exporting goods, traveling employees and working with suppliers located in other countries
  • Employment Practices Liability – provides coverage and/or defense expenses against claims by employee that their legal rights as employees of your company have been violated
  • Workplace Violence Expense – can assist in the unexpected financial costs incurred as a result of a violent event taking place at your business

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Small Business Insurance Resources

  • Insurance Policy Coverage Review – in depth analysis and review of current policies to identify coverage gaps, unfavorable terms and conditions and identification of the broadest coverage forms for your particular business
  • Contracts Review – a detailed review of contracts, vendor/supplier agreements and other key contracts to ensure contractual obligations are well understood and policyholder is not knowingly taking on additional risk on someone else’s behalf
  • Risk Transfer Analysis - strategies to help minimize exposure to an unnecessary risk and shift it to the responsible party
  • Safety Consulting - supporting clients to assistance solving, managing and improving employee safety practices
  • Employee & Management Training Programs – R&R provides thought leadership, insights and education and training on today’s critical & timely industry topics
  • Online / Mobile Platform Safety Resources – digital platform that offers applications, resources and program administration tools focused on employee safety and effective risk management practices
  • COVID-19 Support / Infectious Disease Planning - assist in the creation of effective infectious disease and response plans, sanitization plans and resources, as well as critical documentation practices

Meet our Small Business Team