Brokers Trust Insurance Group Inc

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Key Person Insurance is important as the death of a key person in a small or large company can often cause the immediate death of that company. Look at your business and think about who is irreplaceable in the short term. In many small businesses it is the founder who holds the company together – he may keep the books, manage the employees, and handle the key customers and so on.

Another key feature to an Umbrella policy is its “drop-down” effect. When aggregate limits have been exhausted, or there is no coverage under your primary policy, the Umbrella will “drop-down” to become your primary policy.

At Brokers Trust Insurance we have many years experience in providing Corporate Management Liability coverage to help protect you against lawsuits that inevitably can put your personal assets at risk.

Excess liability increases your limits of insurance while providing the same or more restrictive coverages than your primary policies. If the limits on your primary policies are exhausted, the excess policy will trigger.

Answer: Group Benefit coverage is an investment in both your company and your employees. However, it doesn’t have to break the bank. There are different types of plan designs that can provide coverage for your employees at a cost you can manage.

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