Welcome! We are in the business of fixing and fine-tuning insurance programs. Many other insurance agents are in the business of simply selling insurance policies. Many business owners look at an insurance broker as just another vendor. We encourage business owners to select an insurance broker who they think could become a member of their financial and management consultant team just like their CPA, attorney and banker/financial consultants. An insurance policy is a very complicated contract between the business and the insurance company. Terms of this contract and insurance in general are often a mystery for a lot of business owners until a claim happens. Business owners have to trust that their insurance agent is capable to provide them with coverage they need and that he would do it at the best possible price. What business owners do not always know is that an insurance policy is often a mystery not just to them but also to many insurance agents because many agents do not read and/or understand policies they sell. If a business owner works with such an agent, sooner or later a major claim not covered by their insurance program will put their company’s assets in jeopardy. We help lower the risk for this situation by investing time into understanding my clients’ business, helping business owners recognize risk exposures that could be insured, identifying insurance coverage gaps in existing policies, and finally, by offering solutions as to how to fill those gaps in the most economical way. We take our responsibility of protecting our clients' business assets very seriously. Our clients do not have to encourage us to work hard on their behalf. They trust us with their business because they know we pay attention to details and always act in their best interests. We become their partner so that we can make educated decisions together on how to create the most appropriate insurance program for their business.