Business Insurance

Your business represents you: it is a combination of your time, your dedicated effort, your best ideas, and, of course, your financial investments, all rolled into one. Just as you work to align your business with success, the unforeseen can sometimes align it with risks such as theft, flooding, natural disasters, property damage, or employee injuries. Prior planning for these occurrences will help your company to become more seamlessly aligned with success, and will give you a few less things to worry about at the end of the day.

At Risk Transfer Advisors, we provide a broad variety of business insurance offerings, so that no matter what type of company you have, we are able to provide smart consultation and clear-cut choices regarding which type of insurance best covers your needs.

Business Insurance Offerings

Standard Coverage:
• Business Owner’s Packages
• Commercial Auto
• Commercial Packages
• Commercial Property
• General Liability
• Inland Marine
• Umbrella/Excess Liability
• Workers Compensation

Specialty Coverage:
• Boiler & Machinery
• Builders Risk
• Cargo
• Crime
• Cyber Liability
• Directors & Officers
• Employment Practices Liability Insurance
• Equipment Breakdown
• Errors and Omissions
• Pollution
• Professional Liability

Bonding Services & Misc. Services :
• Fidelity
• Surety
• Risk Management Plans
• OSHA Training
• Motor Carrier Safety Plans
• FMCSA SMS Score Reduction
• ETC.

Areas of Expertise
Trucking / Transportation

The Transportation Business is a thriving and important one, which people depend on every day, and obtaining proper business insurance helps this process move along smoothly. Whether your business works to get people in the community from place to place, come to the aid of stranded vehicles, deliver important packages across the country, or transport injured and sick individuals to medical care, it is critical to protect yourself. Risk Transfer Advisors has a variety of business insurance coverage options designed to fit the needs of your drivers and to ensure that everything important they transport, from packages to people, is protected as well.

We work with many classes, including:
• Long Haul
• Intermediate
• Local Delivery
• Dump Trucks
• Fuel Haulers
• Auto Transport
• Paratransit
• School Transit
Coverage Options
• Auto (stand-alone physical damage and/or primary liability)
• Cargo
• General Liability
• Non-Trucking Liability
• Property
• Trailer Interchange
• Workers Compensation
Construction

As communities evolve, change, and grow, the construction industry booms. From local general contractors to nationally-known commercial organizations, businesses in the building industry are especially at risk, and require specialized insurance offerings. At Risk Transfer Advisors, we combine a deep understanding of the industry with targeted support plans designed to address the most important risk areas and to provide time-tested solutions that will keep your workers and workplace feeling safe and secure.

We work with:
• General Contractors
• Heavy Construction Contractors
• Specialty Trade Contractors
Coverage Options
• Automotive
• Business Owner’s Policy and Packages
• General Liability
• Inland Marine (builder’s risk, equipment, installation floater, etc.)
• Project-Specific Coverage (wrap-ups)
• Property
• Surety Bonds
• Umbrella / Excess Liability
• Workers Compensation
Agricultural / Farm

Farming is a flourishing business. Consumers love their farm-fresh options, and local farms produce food that feeds many families. Oftentimes, farmlands also host people’s homes. This arrangement is convenient, but warrants additional protection. The insurance offerings at RTA are designed to meet the individual needs of your farm, whether it is a small, family-run business and home or a large, expansive company operation. Our company has a sincere appreciation for all farming ventures, and we have made sure to offer specialized policies and insurance options designed to cover everything and keep your farm secure—from its produce, to its buildings, and from its animals to, most importantly, its people.

We work with a wide range of agricultural businesses, including:
• Animal-producing Farms
• Dairy Farms
• Gentlemen Farms
• Vegetable and Crop Farms
• Wineries and Vineyards
Coverage Options:
• Auto
• Equipment Breakdown
• General Liability
• Inland Marine
• Property
• Umbrella / Excess Liability
• Workers Compensation
Manufacturing

The Manufacturing world is incredibly important to today’s growing society. No matter what you fabricate, from metal machinery to food and beverages, RTA can help safeguard your business. We are proud to provide a broad range of coverage options designed to protect every aspect of your industry. We have the dedicated expertise necessary to keep your business, your employees, and your customers safe.

We work with an array of manufacturing businesses, including:
• Food and Beverage Manufacturing
• Metal Manufacturing
• Plastic Manufacturing
• Printing and Publishing
Coverage Options:
• Auto
• Business Owner’s Policy and Packages
• Equipment Breakdown
• General Liability
• Inland Marine
• Manufacturing Errors and Omissions
• Product Recall
• Property
• Umbrella / Excess Liability
• Workers Compensation