Commercial Liability, Personal, Home, and Auto

Our Commercial and Personal Lines Insurance Partners:

  • Progressive
  • Spring Valley Mutual – The Main Street America Group
  • Safeco
  • Travelers
  • Foremost 
  • Dairyland
  • Hagerty
  • Private Client Insurance Group (PCIG)
  • Titan

Commercial Insurance

B&C Consulting, LLC has established strong relationships with the top-rated insurance carriers in our industry. Together we will identify potential loss exposures and help you implement an action plan to reduce and manage your risk. We have the ability to provide all forms of commercial insurance to all types of employers and accommodate almost all lines and classes of business. Our goal is to provide you a comprehensive protection plan along with a superior customer service experience.

Insurance products for commercial risks:

We will design a program that protects your business from third-party claims involving your premises, operations, products, and personal and/or advertising injury.

Workers’ Compensation
B&C Consulting, LLC can help you secure the appropriate coverage for medical care and compensation for your employees, independent contractors and volunteers who are injured during the course of employment.

Commercial Auto
B&C Consulting, LLC will customize a program for any number of owned, hired, and non-owned autos used in your business operations. From one company vehicle to an entire fleet, we will ensure you have appropriate limits and coverage in place to protect your business.

Commercial Property
We want to help you identify and protect real estate and other property and equipment from perils that range from fire to theft to lawsuits. We will also help you develop business continuity so that you can resume operations quickly should a loss occur.

Professional Liability
As a professional who operates your own business, you will need professional liability insurance in addition to a Business Owners Policy. This protects against financial losses if a client alleges that you failed to use the degree of expected skill in your field and in turn cause harm or loss to an individual or business. Our commercial staff will help you put the appropriate coverage in place to protect your license, certification and reputation in your profession.

Directors & Officers Liability
If you serve as a director or officer on any non-profit or for-profit boards, your personal assets are at risk with each decision you make. We will evaluate your need for Directors and Officers Liability Insurance, which would cover your defense costs, settlements and judgments associated with potential liability claims, while also protecting your personal assets as a director or officer.

Personal Insurance

We understand your life is busy and your needs change from year to year.  On an annual basis we contact our clients to proactively gather up to date information, assess current market conditions, and provide appropriate changes that will give you the best value and appropriate coverage levels.

We partner with our clients to understand what is most important to them and develop a tailored program with the flexibility to grow and change. In addition, we leverage our relationships with our carriers to provide you with the most comprehensive packages available.

Our Available Products Include:

Home Insurance
B&C Consulting, LLC provides insurance protection for residential and seasonal homes, rental properties and condominiums or townhomes. This also extends to properties undergoing construction and renovation.  Homeowners insurance covers both damage to your home and property and your liability or legal responsibility for injuries and property damage you or members of your family cause to other people.

We provide broad coverage including liability, physical damage, agreed value, and personal injury protection for standard, high-value and specialty automobiles, as well as classic cars.  Auto insurance can provide property coverage for you and others, liability and medical coverage.

Boats/Recreational Vehicles
As you seek to cover your boats, ATVs, snowmobiles and wave runners for their value and liability exposure, our experience will be invaluable as we ensure you have the appropriate amount of coverage in place.  Boats can be endorsed for Liability and Physical damage directly on your Home Insurance policy. However, writing a separate Watercraft policy can give you additional coverage’s not found by the traditional endorsement on a Home Insurance policy. For example you can find additional coverage for Uninsured boaters, Towing, Pollution Liability.  A typical Insurance policy for your Recreational Vehicles will cover Liability, Physical Damage, Medical, and accessories.

Valuables & Private Collections
We can insure all of your collectibles, including jewelry, fine arts, sports memorabilia, firearms, silverware, furs, and wine collections. Our carriers offer either individual scheduling of your valuables or using a blanket limit to suitably cover your items. We will work with you to determine which option is best for you.

Umbrella & Excess Liability
In today’s world of high claim awards, if you have a claim, your basic Liability policy may or may not have enough liability coverage to cover you. Therefore, having a Personal Umbrella policy could help you protect your personal assets during that unforeseen covered event.  B&C Consulting, LLC will help you secure a proper umbrella limit that adequately protects your current net worth, as well as your future earnings. We will also guide you through asset protection if you have additional liability exposures, such as non-profit Directors and Officers liability, or domestic employee exposures.