Transferring your risk through insurance coverage is likely to be the major component of your risk management plan. Depending on the unique requirements of your business, we can probably help improve your insurability and stabilize your risk transfer costs.

We start by learning about your business. We identify and quantify potential risks and exposures you may face, then we recommend insurance coverage and other options from which you can make an informed choice.

There are 3 levels of insurance coverage you need to consider:

1. Mandatory insurance is required by law or by lenders.
2. Crucial insurance covers risks that are unique to your business.
3. Discretionary insurance is a matter of choice in other areas where you may be exposed to financial consequences.

These coverages may include property, loss of income, commercial, general and umbrella liability, professional or errors & omissions liability, employment practices liability, workers' compensation, directors and officers liability, and employee benefits.

Looking Beyond Insurance
Buying insurance may not be the best use of your funds. You may be able to reduce your dependence on conventional coverage and minimize your exposure by avoiding or controlling certain risks or exploring alternative risk financing vehicles. We may recommend safety programs, employee education, property improvements, enhanced security, and other measures to reduce loss.

Together, we can develop a risk management program that works for you.

Accountants
Dentists
Land Surveyors
Nonprofits
Optometrists

To Learn More
To find out more about managing risk and insuring your business and personal assets, please call Vista International Insurance Brokers at 1 (800) 819-8808 or click here to email us.