Insurance & Risk Management

From small captive agents to international independent brokerages, there are a lot of Insurance Agencies to choose from. So what sets us apart? Read on to learn about our services and what differentiates us.

The Differentiator

Our holistic approach to risk management and business services = 

Reduced points of contact for the client
Personalized service
Hand delivered documents as needed
Little to no insurance renewal workload
Reduced risk of uncovered losses
Reduced risk of insurance audit bills
Accurate and Timely Financial Documents
Direct Deposit at no additional cost
Unlimited Payroll Runs

Specialty Industries

Mainstreet Business

Some agencies may shy away from your small business. Here at Rogue Business Solutions, we focus on you. We don't see just dollars and cents, we see the sacrifices and struggles you have gone through to make something special. Let us help you protect it.

Logging & Log Hauling

Whether you are deep in the woods before dawn or riding the logging roads late at night loggers and log haulers are a special breed. Here at Rogue Business Solutions, we are prepared with the carrier partners to protect you and your business.

Short & Long Haul Trucking

Whether you are deep in the woods before dawn or riding the logging roads late at night loggers and log haulers are a special breed. Here at Rogue Business Solutions, we are prepared with the carrier partners to protect you and your business.

Construction

Turning lumber into a finished structure takes skill. Regardless of if you are a big time GC or a small plumbing shop, Rogue Business Solutions is here to serve you. We have the resources and carrier relationships to ensure your assets are protected.

Wineries

Turning grapes into wine is as much an art as it is a science. The ground you choose to grow in, the types of grapes you choose, the make up of your barrels and the timing must all be perfect. With so much on your mind already, let us help to reduce the burden of risk.

Types of Coverage

GENERAL LIABILITY

Provides essential coverage for businesses, protecting against a wide range of risks and liabilities that may arise during their operations. This policy typically covers bodily injury, property damage, and advertising injury claims brought against the business by third parties. Whether it's a slip-and-fall accident at your premises or a product liability lawsuit, Commercial General Liability Insurance offers financial protection and peace of mind, allowing businesses to focus on their core activities without the fear of costly legal expenses or settlements.

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COMMERCIAL PROPERTY

is a vital safeguard for businesses, offering protection against damage or loss to physical assets such as buildings, equipment, inventory, and furniture due to perils like fire, vandalism, theft, and natural disasters. This policy ensures that businesses can recover swiftly from unforeseen events, covering the costs of repairing or replacing damaged property and minimizing financial disruptions. With Commercial Property Insurance in place, businesses can confidently navigate the uncertainties of the commercial landscape, knowing that their physical assets are protected.

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COMMERCIAL AUTO

is a specialized insurance policy designed to protect businesses that rely on vehicles for their operations. It provides coverage for vehicles used for business purposes, including cars, trucks, vans, and specialty vehicles, against risks such as accidents, theft, vandalism, and damage. With Commercial Auto Insurance, businesses can safeguard their vehicles, drivers, and assets, ensuring smooth operations and financial protection in the event of unexpected incidents on the road.

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COMMERCIAL UMBRELLA/EXCESS

serves as an additional layer of liability coverage for businesses, extending beyond the limits of their primary insurance policies, such as General Liability, Commercial Auto, or Employers Liability etc. This policy provides protection against catastrophic losses and large liability claims that exceed the limits of underlying insurance, offering peace of mind and financial security. By bridging the gap between existing coverage and potential liabilities, Commercial Umbrella/Excess Insurance ensures that businesses are adequately protected against unforeseen risks and costly legal expenses, safeguarding their assets and reputation.

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WORKERS COMPENSATION

is a vital and often legally mandated policy that provides coverage for employees who suffer work-related injuries or illnesses. This insurance typically covers medical expenses, lost wages, rehabilitation costs, and disability benefits for injured or ill employees. By ensuring that employees receive proper medical care and financial support in the event of a workplace injury or illness, Workers' Compensation Insurance helps businesses fulfill their legal obligations, protect their employees, and maintain a safe and productive work environment.

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SURETY BONDS

serve as a financial guarantee that the principal will fulfill their contractual obligations according to the terms agreed upon. Surety bonds are commonly used in various industries and scenarios, including construction projects, government contracts, licensing requirements, and court proceedings, providing assurance to the the bond holders clients that the bond holder will fulfill their obligations, or else the surety will step in to provide compensation or complete the obligation.

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INLAND MARINE

is a specialized form of coverage designed to protect businesses against the risks associated with the transportation, storage, and handling of movable property and equipment. Contrary to its name, this insurance typically covers property that is in transit over land, including items transported by truck, rail, or other means, as well as property stored at off-site locations or in transit. Commercial Inland Marine Insurance provides flexible coverage options tailored to the unique needs of businesses, ensuring that their valuable assets are protected against loss, damage, or theft, whether they are in motion or at rest.

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CYBER LIABILITY

is designed to protect businesses from the financial repercussions of data breaches, cyber attacks, and other cyber-related incidents. This coverage helps businesses mitigate the costs associated with data breaches, including legal fees, notification expenses, forensic investigations, and potential damages to affected parties. By offering financial protection and support in managing the aftermath of cyber incidents, Cyber Liability Insurance helps businesses safeguard their reputation, restore customer trust, and navigate the complex landscape of cybersecurity threats with confidence.

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EMPLOYMENT PRACTICES LIABILITY

(EPLI) is a crucial policy that safeguards businesses against claims arising from employment-related issues. This coverage protects businesses from lawsuits alleging wrongful employment practices such as discrimination, harassment, wrongful termination, retaliation, and other violations of employee rights. EPLI provides financial protection for legal defense costs, settlements, and judgments, helping businesses mitigate the financial risks associated with employment-related claims and ensuring a safe and compliant workplace environment.

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FIDUCIARY LIABILITY

is designed to protect businesses, their employees, and fiduciaries from claims related to breaches of fiduciary duties in managing employee benefit plans such as 401(k) plans and pension funds. This coverage shields businesses and their fiduciaries from allegations of mismanagement, negligence, errors, or omissions in the administration of employee benefit programs. Fiduciary Liability Insurance provides financial protection for legal defense costs, settlements, and judgments, ensuring that businesses can fulfill their fiduciary responsibilities while mitigating the potential financial risks associated with employee benefit plan management.

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DIRECTORS & OFFICERS LIABILITY

(D&O) Insurance is a critical form of coverage designed to protect the personal assets of company directors and officers from legal claims alleging wrongful acts committed in their roles. This policy provides financial protection for individual executives against lawsuits alleging mismanagement, errors, omissions, breaches of fiduciary duty, or other acts that may have resulted in financial losses for stakeholders. D&O Insurance not only safeguards the personal assets of directors and officers but also helps attract and retain top talent by providing assurance against the risks associated with corporate leadership roles.

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COMMERCIAL CRIME

is an insurance policy designed to protect businesses from financial losses resulting from criminal acts such as theft, fraud, embezzlement, forgery, and cyber crime. This coverage typically reimburses businesses for direct financial losses, including stolen money, securities, or property, as well as expenses incurred in investigating and resolving the crime. Commercial Crime Coverage helps businesses mitigate the financial impact of criminal activities, safeguard their assets, and maintain financial stability in the face of security threats and fraudulent behavior.

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PROFESSIONAL LIABILITY

also known as Errors and Omissions (E&O) Insurance, is a specialized policy that provides protection for professionals against claims alleging negligence, errors, or omissions in the performance of their professional services. This coverage is crucial for professionals such as doctors, lawyers, architects, consultants, and other service providers who may face lawsuits from clients or third parties dissatisfied with the quality of their work. Professional Liability Insurance covers legal defense costs, settlements, and judgments, helping professionals mitigate the financial risks associated with professional liability claims and safeguard their reputation and financial security.

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