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Business Insurance

Business Owners Package policy, commonly called a “BOP” contains many of the insurance coverages needed  by most small businesses.

Workers’ Compensation

Workers’ Compensation Insurance can pay for the following things when an employee  is injured at work: medical bills, recovery costs.

Auto Insurance

Auto Insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility.

Home Insurance

If you have tangible assets, you need the protection of a Homeowner’s Insurance policy.

Life & Health Insurance

Finding the right Life or Health Insurance products can be challenging in today’s insurance environment.

Who We Are

Heritage Insurance Brokers has experienced, licensed professionals prepared to offer the coverage you need, from the general contractors liability and workers compensation coverage to the single family home and auto insurance policy. We insure the difficult to insure; let us help you.

  • Business Insurance
  • Workers’ Compensation
  • Auto Insurance
  • Homeowners Insurance
  • Renters Insurance
  • Life Insurance
  • Health Insurance
  • Special Event Coverage
  • Transportation Insurance
  • Trucking

Who We Serve

Insurance Carriers

Testimonials

“Always a pleasure to work with. Goes the extra mile to get things done.”

Jeffrey Berk

Natalie is a subject matter expert for insurance and she is takes the time to explain the
different options available. She cares about offering the best insurance products for her client’s particular needs. She takes the time to explain the different options.

Natalie is personable and willing to go the extra mile

Raquel Thompson

“Heritage Insurance Brokers is one of the greatest newer insurance companies around.
I was hesitant at first but my agent worked closely with me in choosing
the best policies for my family. The customer service was outstanding
and still is today. I am so grateful in knowing they had my best interest and
that of my family in mind.”

Quinisha Aguillard

Contact Us

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Business Owner Insurance

Business Owners Package policy, commonly called a BOP, contains many of the insurance coverages needed by most small businesses. While these policies are not standard, there is great variation from insurance company to insurance company; there are certain common elements. The basic BOP offers business property for both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business, at its established location, and the liability from your products or completed operations.

Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverages needed by a small business. Notably they do not cover any workers’ compensation, professional liability, or business vehicle coverage.

Heritage Insurance Brokers offers free comparative quotes on business owners package insurance from multiple insurance carriers so you can get the best possible rate.

Want to see how much we can save you? Just request a quote to find out.

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Workers’ Compensation Insurance

Workers’ Compensation Insurance can pay for three things when an employee is injured at work: medical bills, recovery costs, and partial missed wages. If an employee dies, Workers’ Compensation can cover funeral costs and benefits to the worker’s family. Depending on state laws and contract requirements, you may need this policy to cover employees, contractors, freelancers, or even yourself.

Workers’ Compensation (formerly “workmans’ comp”) emerged from a “grand bargain” between business owners and workers. Business owners were tired of being sued by injured workers. Workers were tired of being injured.

So Workers’ Compensation Insurance was designed to help pay for work injuries and illnesses without the rigmarole of a lawsuit. This liability insurance policy can help your business do three things:

  1. Pay for medical expenses and replacement wages when employees are injured at work.
  2. Comply with state Workers’ Compensation laws.
  3. Pay for legal expenses if an employee sues over a work injury the policy doesn’t cover.

Most states require employers to buy Workers’ Compensation Insurance as soon as they hire their first employee. Even when that’s not the case, it’s smart to have this policy, because the cost of workplace injuries is substantial:

Heritage Insurance Brokers offers free comparative quotes on Workers’ Compensation Insurance from multiple insurance carriers so you can get the best possible rate.

Want to see how much we can save you? Just request a quote to find out.

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Auto Insurance

Auto Insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Some liability coverage is required by most states.

The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.

Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.

Heritage Insurance Brokers offers free comparative quotes on auto insurance from multiple insurance carriers so you can get the best possible rate.

Want to see how much we can save you? Just request a quote to find out.

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Homeowners Insurance

If you have tangible assets, you need the protection of a homeowners insurance policy.this type of coverage is available to someone who owns a house, townhouse or condo. Renters insurance is available to someone who is a renter of a house, townhouse or condo. A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.

The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way — unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.

Heritage Insurance Brokers offers free comparative quotes on auto insurance from multiple insurance carriers so you can get the best possible rate.

Want to see how much we can save you? Just request a quote to find out

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Life & Health Insurance

Finding the right Life or Health Insurance products can be challenging in today’s insurance environment. Heritage Insurance Brokers offers a complete line of individual health insurance products that are crafted to meet you and your family’s specific needs. We work with several different top-rated insurance companies, and will place your account with the company that will provide you with the coverage and benefits you want.

Heritage Insurance Brokers can help you make sound, informed decisions about issues affecting your health insurance needs. Our philosophy is to fully understand your objectives and then translate them into solutions that provide assurance and peace-of- mind.

For more Information feel free to contact one of our licensed specialist today.