Commercial Insurance

Due to their geography or other unique circumstances, many clients are faced with exposures far exceeding the basics of property and casualty insurance in areas such as marine, environmental considerations, builder’s risk and international exposures, not to mention the more catastrophic weather-related exposures to named-storm, flooding and earthquake activity.

Being part of an industry dictated by the service levels provided by their employees also means many clients must also be fully aware of the sole remedy laws surrounding workers’ compensation, and the best ways to manage what can be a very complicated and arduous system; the laws of which are governed and dictated differently from state to state.

If you want to know more about the most effective means of transferring risk through property & casualty, workers’ compensation, executive & financial, private client personal insurance, or even bonding & surety placements, our commercial and personal lines experts can help you navigate and negotiate the marketplace on your behalf.

Commercial Property & Casualty

Wheeler & Taylor professionals work closely with you to identify the full spectrum of your property & casualty exposures. We utilize industry expertise to analyze, innovate, and market your property & casualty risks. Our solutions help you transfer risk while maximizing protections and minimizing your total costs.

• Auto and Fleet Management
• Boiler and Machinery
• Builders’ Risk
• Crime
• Environmental
• General Liability
• International Risk
• Marine
• Product Liability
• Property (including earthquake, flood and wind exposures)
• Umbrella and Excess Liability

Workers’ Compensation

Our team of industry experts has the expertise to thoroughly present your unique risks to the marketplace. We advocate on your behalf to secure the most competitive pricing, terms and conditions for your workers’ compensation insurance program. Dedicated workers’ compensation placement and analysis experts work with you to achieve the best results possible from your insurance program.

Our deep knowledge of each client’s risk profile allows us to achieve superior program placement results. We collaborate with you to develop and execute a comprehensive marketing strategy based upon:

• Client portfolios and profiles
• Employee loss performance metrics
• Regulatory & safety compliance efforts
• Effectiveness of accident investigation techniques.

Executive & Financial

Wheeler & Taylor will assist you in designing an executive and financial liability insurance program as unique as your business, by identifying your corporate and personal exposures to liability. In addition, we offer and incorporate risk mitigation recommendations in an effort to ensure you have the most robust coverage available.

• Director & Officers
• Employment Practices
• Errors & Omissions
• Professional Liability
• Network & Cyber

Bonding & Surety

Wheeler & Taylor surety experts will help you in securing the most appropriate terms, conditions and pricing for your bonding and surety programs. We work with an unparalleled sense of urgency in order to help you achieve your company’s desired results by:

• Actively driving successful outcomes on claims and subcontractor disputes
• Capitalizing on opportunities in the construction market
• Enhancing your company’s overall financial performance
• Increasing bond capacity
• Improving relationships with banks and credit providers
• Ensuring greater flexibility on surety credit terms and conditions

Business Life & Disability Consulting

Insuring your business isn’t just about insuring your property and protecting against liability. It’s also insuring yourself and the key employees that keep your business operating and growing. The unexpected death or disability of a partner or key employee can have a devastating impact on the continued operation, growth, and perpetuation of your business.

Our knowledge and experience will not only help you understand, identify and plan for such unexpected events, but also structure and fund those business perpetuation and continuance plans. We partner with the highest rated and industry leading companies to find the best performing and most cost-effective solutions.

Business Insurance Products and Plans Include:

• Buy/Sell Agreements
• Key-Person Agreements
• Business Overhead Expense
• Disability Income
• Term Life
• Whole Life
• Universal Life

Compliance & Regulations

Regardless of your industry, all businesses share similar challenges. Legislative, Human Resources and OSHA compliance regulations are constantly changing. Effective health and wellness employee communications can reduce health costs. Bench-marking helps employers make smarter business decisions. Wheeler & Taylor understands that it takes, money, and resources in order to stay up-to-date and in compliance.