Could one claim close your doors?
Most business owners are either overpaying, underinsured, or both, and don't find out until it's too late. Take the free 60-second Coverage Snapshot, and I'll personally show you where you can save and where you're exposed.
We shop multiple carriers to find real savings.
Spot the exposures a generic policy quietly misses.
Personally reviewed, never a call center.
Let's find your savings & your gaps
Four quick taps, no forms, no commitment. Your answers help me tailor real options to your business.
What kind of business do you run?
This helps me match you to the right kind of protection.
What keeps you up at night?
Pick the one that hits closest to home.
Do you have business coverage now?
No judgment, this just tells me where to start.
How big is your team?
Last one, then your snapshot is ready.
Your snapshot is ready
Where should I send your personalized coverage & savings review? No obligation, ever.
Coverage built around your business
Each one opens to a page that explains what the coverage does, the problems it solves, and a short discovery sheet if you are ready for a quote.
Professional Liability (E&O)
Protects you when a client claims your work, advice, or service caused them a financial loss, essential for consultants, agents, and professionals.
General Liability
Covers third-party bodily injury and property damage, the coverage most clients and landlords require before they'll work with you.
Business Owner's Policy
Bundles liability and property into one cost-effective package, often with meaningful savings over separate policies.
Workers' Comp
Keeps you compliant and protects your team if someone is hurt on the job.
Certificates of Insurance
Need proof of coverage for a client or contract? We turn these around quickly so you never lose a deal.
Commercial Auto & More
Vehicles, equipment, cyber, and specialty coverage tailored to how you actually operate.
Four policies, four companies, and nobody looking at the whole thing.
A Phoenix metal fabrication shop was paying $32,958 a year across four policies from four different companies. Their agent was captive, so whatever his company would not write, the shop had to go and buy somewhere else.
What that was leaving open
- No general liability on the main package
- No business income, so a shutdown would have come straight out of the owners' pockets
- No uninsured or underinsured motorist coverage on the work truck
What I rebuilt, across three carriers
- A business owners policy carrying the general liability, products and business income the shop actually needed
- Commercial auto, with the uninsured and underinsured motorist coverage they never had
- An umbrella sitting over both the business and the truck
New total: $19,395 a year. That is $13,563 back,* with coverage that matches what they actually do.
What the rebuilt program actually carries
- Business owners policy. General liability at $1,000,000 per occurrence and $2,000,000 aggregate. Products and completed operations at $2,000,000, covering their real fabrication work instead of one product line. Business personal property at $2,000,000 replacement cost, with a $1,000 deductible and no coinsurance penalty. Business income up to $1,500,000. Equipment breakdown included. Their landlord added exactly as the lease requires.
- Commercial auto. $1,000,000 liability, plus $1,000,000 of uninsured and underinsured motorist coverage they did not have before.
- Umbrella. $4,000,000 sitting over both the business and the truck.
A captive agent sells one company, so anything they do not write, you end up patching together yourself. The patchwork is where the gaps live.
This is one client's result, shown with their permission and with their name and their business name left out on purpose. What you pay and what you can be offered depend on your own business, your history, your state and the carriers willing to write you, so this is not a quote and not a promise of a particular price or saving. The figures are that client's actual annual premiums before and after, and the supporting policy documents are on file. The limits listed above are what that shop needed; yours will be different.
What you see here is not the whole shelf.
Some carriers ask us to present their products one-on-one instead of on a website, and new ones join the lineup all the time. An advisor can pull up every product that could fit your needs, including the great options that are not listed here.
Better coverage. Real savings. A real person.
Take the 60-second snapshot and let's protect what you've built, without overpaying.
*Savings figures reflect one BrightHaven client's own before and after policies; your savings depend on your state, your business, your loss history and the coverage you compare, and are not guaranteed. Plans, benefits, rates, and provider networks can change at any time. Speaking with your agent is necessary to verify the most up-to-date information before making any decision.