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Insurance Services Group –
Smarter Insurance
What is smarter insurance? It's not mascots or gimmicks. It's not spending our client's premium dollars on advertising. It's not 800 numbers, cut rate or one-size-fits-all. Smarter Insurance is a promise. Smarter Insurance is crafting insurance policies based on individual needs, creating coverage you can count on. When it's time to look at your options, call, come in or request a quote. See what Smarter Insurance can do for you today.
Testimonials
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"Good People doing good business"- R.J. Schroeder
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"18 years with home, vehicles, equipment, ranch and business. Very pleased!"- Mike G
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"I give you an AAA++ Rating. You are always professional and have better prices."- R. Hart
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"I have been purchasing insurance for 57 years and can truthfully say this is the very best agency I have ever done business with."- David H.
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"It is refreshing to experience an honest, hardworking insurance office with friendly agents that actually know their business and work for the benefit of clients. Their integrity saves us time and money and we enjoy referring our friends."- Daniel and Dianah D.
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"I have been a customer since 2003, the agency has taken care of my needs and accurately and efficiently handled my requests. I have even had a couple of claims and the service was outstanding. As a very satisfied customer, I am happy to refer you."- Gerald N.
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"We did business with your agency for 20 years but because we moved out of the area, discontinued. That lasted less than one year because we could not find the brands or satisfaction that you provided for us- by finding the best price, best policy coverage and you always went that 'one step beyond'. We are very satisfied and know that you really do care. Thank you very much."- Jacoba C.
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"I am so happy that I was referred to your agency. I have always had a difficult time understanding my insurance policies and the coverages, but your agency really took the time to explain everything to me in a way that even I could understand. Not only am I happy with the price and friendly service; I now feel confident that I am properly covered."- Susan K.
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"I have always been happy with the service I receive from your office. I am a busy person, so it's important that I receive timely responses. The agents in your office have not let me down!"- Ronnie D., Seattle, WA
Companies We Work With
Directors and Officers Insurance
Directors and Officers Insurance coverage is not just for publically traded companies. Serving as a member of a board of directors brings with it a level of responsibility whereby the individual directors have a duty to manage the organization in a proper fashion. Increasingly, board members for closely held companies, non-profits and homeowner associations are brought into lawsuits claiming their decisions, or lack thereof, has caused someone damages.
Because general liability insurance is not meant to respond to these claims, a directors and officers insurance policy is the best protection against these types of suits. The directors and officers insurance policy should respond to these allegations and pay to defend and judgments against those board members.
Historically, many small organizations have chosen to forego directors and officers insurance coverage because, "we're a non-profit and we don't think we'll be sued" or "employees here are part of our family". Unfortunately, employees or association members who feel wronged often file suits that may later thrown out of court. Even in a meritless suit, without a directors and officers liability insurance policy, the board or individual board members will incur legal fees often into the tens of thousands of dollars.
For a reasonably small annual premium (starting at $250/year) a directors and officers liability insurance policy can transfer the risk and cost of those legal fees and judgments in a suit to the insurance company. Not only does this make sense from an exposure standpoint, it is a critical business practice providing protection to the board of directors who provide the leadership and continuity to an organization.
Because there is no standard directors and officers liability insurance policy, it is best to work with a professional that can help you through the decision making process. At Insurance Services Group we do business with over 30 companies. By accessing nearly the entire marketplace, we are able to offer our clients the opportunity to discuss the pros and cons of each directors and officers liability insurance policy form. Our coverage specialists take a global approach to determine the critical components necessary for each directors and officers liability insurance policy and customize the coverage forms to fit the specific needs of each organization.
For more information or a quote on Directors and Officers Insurance, please complete the form below. If you have trouble with the form or need to speak with someone right away, please call or email us.
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