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Commercial Business Insurance
General Information

We represent your company.

Brown & Brown is one of the top ten largest insurance brokers in the world yet one of the very few that actually concentrates upon serving medium sized U.S. businesses. As one of the nation's leading insurance brokers, we provide your business with the essential services and money saving resources most big brokers reserve exclusively for their largest clients. Unlike other large brokers, our decentralized structure ensures your company receives attentive service from local professionals.

You may think that the term "independent agent" means just that. Many people often mistakenly refer to an independent agent as "their agent". In actuality, an independent agent is by legal contract an agent of the insurance company (or companies) they represent; not the insurance buyer. Most so called "independent" agents represent just a few insurance companies. Therefore, the agent's income depends upon these few insurance companies choosing to continue doing business with them. In this scenario, whose interests are more likely to be served, yours or the insurance company's?

At Brown & Brown, we represent your interests and serve as your company's advocate to obtain the best pricing and coverage available in the vast insurance company marketplace. We always represent our clients in the insurance company selection process and serve as their advocate during and after the sale.

Why choose Brown & Brown?

Because of our size and scale we have access to virtually every insurance company doing business in America. Since Brown & Brown's clients pay these insurance companies more than 7 billion dollars in premiums each year, we have the clout to negotiate the most competitive coverage and demand the most responsive service for our clients. We use our Loss Control Engineers, Claim Analysts and Marketing Professionals to best position your business with many different insurance companies so that you obtain the most competitive premiums and finest coverage available. While most direct writers or independent agents will offer you just one quote
(or at best just a few choices), we help you see all your options. Only then can we help you understand and select those choices that are best for your company.

Mistakes Can Be Costly.

Mistakes in your company's claim history can translate into higher premium costs. Who audits your insurance carrier and the independent claim reporting services they use to make certain your company's claim history is correct? Would you know if your Workers' Compensation Experience Modifier (used to set your premiums) is incorrect and too high? Many agents and insurance buyers just rely on what the insurance company and the reporting bureaus tell them. How many mistakes would you guess could be found if someone were to actually look closely?

When faced with a bogus or fraudulent claim, you want the insurance company to fight, not just take the easy way out. When legitimate claims are settled how do you know they couldn't have been settled for less? Through regular claim audits, which we conduct on behalf of our clients, we make certain that that the data is accurate and that loss reserves and settlement amounts aren't too high.

When an insurance company engineer comes out to inspect your company, they are looking for deficiencies or problems that might cause them to avoid your account or charge you more. Our experts help prepare you in advance so these companies see your company at its best. We convince insurance carriers to offer quotes when they otherwise might not have.

Having more insurance companies to choose from helps lower your costs and improve your coverage.

Insurance company engineering inspectors often make "recommendations" to their policy-holders where the policy-holder's acceptance and compliance is required for coverage to continue. These recommendations can often be quite costly. How would you know if a less costly and mutually acceptable alternative were available? Who has the expertise to convince your insurance company to accept it? Brown & Brown's engineering experts help to mediate these situations and find less costly solutions for our clients. One client was told that they needed to spend more than $100,000 to upgrade a fire-sprinkler system in their warehouse to meet the current fire codes. We were able to convince their insurance company that just by lowering the height of their goods stored on the racks in their warehouse, the client would meet the current code without having to install the costly fire-sprinkler system.

The premiums you pay insurance companies include charges for the loss control and safety engineering services they expect to perform for your company. As insurance companies have reduced their expenses and raised their premiums in recent years, the frequency and quality of this loss prevention service has typically been scaled back. This can have a very significant impact on your company's loss experience and cause you to incur additional safety training costs.

Brown & Brown employs highly trained and experienced loss control safety and engineering professionals, many of whom have held safety consulting positions with major insurance companies. Their exclusive focus is to be your company's advocate.

At Brown & Brown, our mascot is the cheetah. The cheetah is the fastest and most adaptive land animal on earth. It knows it must compete to win and succeed at the hunt if it wants to eat.  In everything we do, we strive to be like the cheetah; quick and agile at adapting to meet our customer's needs.

Let us do the insurance hunting for you.

Coverage Available:

Brown & Brown can assist you with all of your company's commercial insurance needs including:

This is an abbreviated list. Additional types of coverage are available.