Business Insurance Solutions
The team at Integrity 1st works with you to determine which of these products and investments makes sure you, your employees and your business are prepared for whatever the future may bring. Our success at Integrity 1st is dependent on the success of you and your business. You are not just a client in our database but a friend and colleague. We personally help to ensure that through every change you are protected and on the correct path to success.
Our Business Offerings Include:
Commercial Insurance
- Commercial Auto: Commercial Auto Insurance is very broad and the term “full coverage” doesn’t necessarily mean full coverage.
- General Liability: Typically covers bodily injury, property damage, personal injury
- Business Package Policies: Options Including liability, products and completed operations, fire, medical payments, business contents, loss of income, Inland Marine coverage, employee dishonesty and more.
- Umbrella: Additional liability coverage that overlaps the business…
- Professional Liability: Errors & Omissions, Malpractice, Risk Management Workers Compensation
Workers Compensation
Pays for medical care and benefits to employees for injuries sustained on the job. May also pay benefits to dependents of employees killed by occupational accidents.
Umbrella Insurance
If you are at fault in an auto accident do you understand your coverage? Is your 401k protected? Is your business protected? Auto Insurance is broad and the term “full coverage” doesn’t necessarily mean full coverage.
Life Insurance
Would your business be affected by the death of a key employee or owner?
- Personal/Family Protection
- Buy-Sell: Each owner obtains insurance on other owner(s) to buy their business interest at retirement or death
- Key Person: Protects business against loss at death of owner or key person
- Executive Bonus: Employer pays premiums for insurance on key employees
- Nonqualified Deferred Compensation: Promise to pay supplemental retirement income or death benefits to key employees
- Split Dollar: Employer buys insurance on employee’s life, premiums and death benefits are shared
Retirement Planning
Which type of retirement plan fits your business? Is a 401k right for every business?
- 401(k)
- Simple
- Sep
- Profit Sharing
Health Insurance
Why do you & your employees need health care coverage? These days a single day in the hospital can cost thousands of dollars. The financial risk taken without health coverage just isn’t worth it. Not only does health coverage help you & your employees stay healthy, it also provides added security, because you know you’re protected against the high cost of unexpected medical bills.
Accidental Insurance
In 2005, over 30 million people sought medical attention for an injury and almost 3 million of these were hospitalized. Are you prepared for medical debts in addition to everyday household expenditures and lost wages. Accident insurance is designed to provide you with cash benefits throughout the different stages of care, regardless of the severity of the injury.
Disability Insurance
Becoming disabled is often an unexpected and burdensome experience, and it could happen to anyone. What if a disability interrupted your job, your income and your financial security? About 62 million people in the U.S. have some disability that affects daily activity. Disability insurance provides peace of mind & cash benefits for each day you are unemployed.
Critical Illness
In 2009 someone experienced a heart attack every 34 seconds and every 40 seconds, someone suffers a stroke. Our lump sum critical illness plan can help with the treatment cost of these illnesses. More importantly, the policy helps you & your employees to focus on recuperatng instead of the distraction and stress over the cost of medical and personal bills.
Critical Illness does not replace the need for health insurance.
Companies Integrity 1st Works With & Trusts
