Business Risk Management Division
“We’re covered for this.” When something happens, can you make this statement with confidence—or is it a question covered by what you hope? Unfortunately, when a loss occurs, hope is not a coverage.
Business risks are constantly changing. Just a few short years ago, no one had ever heard of cyber crime or cyber liability coverage and EPLI was only four letters of the alphabet. With an ever-changing variety of insurance policies available in the marketplace, it’s our role to be advisors and advocates for your business risk management.
What makes our Agency different?
We focus on really understanding your business. What you do, how you do it and where…in short, what makes your business the best there is in its field. Knowing all about you lets us design and tailor an insurance program to meet your insurance coverage needs. It’s also the best way for us to show you what we can do for your specific type of business and what our true capabilities are for your industry. Our client base is diverse, both by business type and geography. Areas of expertise offered by Fisher Brown Bottrell Insurance include but are not limited to:
Business insurance premiums are not your only cost.
When insurance companies underwrite the risk of insuring your business, the greater chance you have of loss, the more money you’ll pay in premiums. Insurance premiums are a annual direct cost but when you have a loss, you end up paying more than just a deductible. There’s also an indirect cost to your business when you have to replace injured workers or when damaged equipment can’t be used. Often, a business can’t change the way they do things. Even if you could change the things that make you a risk, not every loss can be mitigated or prevented.
“The best defense is a good offense.”
Our team’s approach to risk management is to work with you to anticipate losses and take active measures to prevent or reduce them before they happen. Our risk management toolbox brings an array of services to our clients that target where you and we see potential problems. Some agencies call this “value added.” We just call it our business.