What Factors Do You Consider When You Buy Business Insurance?

Most Business Owners and Contractors want comprehensive and reasonably priced coverage combined with reliable claim service. If these items are important to you, you owe yourself a few moments to look at what we have to offer.
Dan Burghardt Insurance is an independent agency representing over 100 Best rated companies. We have Specialty Programs for construction contractors and sub-contractors, restaurants, grocery stores, transportation, etc. just to name a few. So know matter what type of business you own, Dan Burghardt Insurance can help. These programs are tailored for the unique needs for small and large corporations at a cost you can afford. Avoid countless hours of shopping around. Let Dan Burghardt save you time and money by finding the best rates and coverage for your unique business.

Here Are Just Some Of The Coverages We Offer:

   

  • General Liability
       
  • Products And Completed Operations Liability
       
  • Commercial Umbrella
       
  • Professional Liability
       
  • Commercial Property
       
  • Flood (Building & Contents)
      
  • Commercial Auto
       
  • Inland Marine Equipment & Inventory Coverages
       
  • Worker’s Compensation
       
  • Employment Practices Liability
       
  • Business Interruption
       
  • Builder’s Risk
       
  • Performance and Fidelity Bonds
  • We also offer Package Policies tailored for specific industries and types of exposures, including:
       
  • Business Owner Policies (BOP)
       
  • In-Home Business
       
  • Restaurants
       
  • Bars & Lounges
       
  • Construction Contractor & Sub-Contractor Package Policies
       
  • Trucking, Transportation & Drayage Companies
       
  • Auto Dealers - New & Used
      
  • Auto Repair & Auto Body Shops
       
  • Sports & Entertainment
       
  • Special Events

Why Use A Dan Burghardt Insurance Commercial Specialist?
   

1. We Truly Want Your Business   

We offer the same level of service to all of our clients. Some businesses are too new or too small to be considered by many insurance agencies and companies. At Dan Burghardt Insurance we welcome all inquiries. We gladly serve new and small businesses with the same effort and professional assistance as the large established businesses. We realize that risk and the possiblity of loss can be a far greater problem for the small or start-up business than for one that is large and well-established. Whether your business is the self-employed in-home type or a multi-location, state-wide enterprise employing hundreds or thousands of people, Dan Burghardt Insurance will always be there to handle your needs.

 

2. You Can Receive A Free, No-Obligation Survey Of Your Insurable Exposures

At your request we will conduct a review of the nature of the insurable risks your business may be exposed to. Through an extensive interview process we uncover the risks associated with the type of business you are in, the policies and procedures followed, locations occupied, products sold, services provided and used, contracts and leases, fleet exposures, employment practices, marketing programs, safety programs, benefits provided, and much more. For those exposures that can be insured, a Dan Burghardt Commercial Insurance specialist will discuss the types of coverages available, how you can determine the amounts of coverage you need, coverage costs relative to potential losses, and the strengths and weaknesses of different programs and companies available. We believe that the best decisions regarding your business insurance program can only be made when you have an in-depth knowledge of the risks you face and what can be done to address them.   

3. We Will Review Your Current Insurance Program   

After learning about all of the potential risks your business faces, you may wonder if your current policies provide the level of protection you need. If this is a concern you have, you can bring all of your policies to a Dan Burghardt Insurance Commercial Specialist for a review of the coverages you currently have and compare them to what we have found you may need. In most cases, business owners or their risk managers purchase coverage on an ad hoc basis according to contractual or governmental requirements. After a few years, the business finds itself with a hodge-podge of policies that in some areas provide over-lapping coverage while leaving other exposures in large uninsured gaps in coverage. Our review can assist you in eliminating the costly duplications and using those savings to fill any gaps in coverage that can financially cripple or bankrupt your business in the future.   

4. Determine If You Are Really Getting The Best Coverage, At The Lowest Overall Cost   

Approximately half of all commercial insurance can either be purchased at lower rates or avoid substantial rate increases at policy renewal. In order to find this out, you must spend countless hours each year providing mountains of information to multiple agents. The reason for this is that most agents either represent only one company or represent a small number of companies, so in order to obtain many prices you must contact many agents or companies. Another pitfall is that many agents represent companies that impose quotas on the amount of business they must write in order to receive a certain level of commission, or even to continue to represent that company. In these cases, your ability to obtain the best coverage and/or price may take a back seat to the agent's obligation to a particular company.
   

The agents at Dan Burghardt Insurance have no such limitations or obligations. We are not bound by business volume obligations to any company, and represent over 100 companies from which to choose. What this means for you is that we will compare coverage and pricing across ALL of the many companies we represent and design a program that best suits your needs and budget requirements, regardless of whether the final program is written through one, two, or many companies. Your business is our first and most important obligation.   

The Commercial Insurance quoting process is complicated, so ask about your renewal at least sixty (60) days in advance to provide enough time to shop and compare.
    Why have multiple agents handling your commercial insurance needs when you can have it all with one agent, including your group health, disability, dental and life?

TO REQUEST QUOTE INFORMATION ON ANY OF OUR PRODUCTS, CONTACT OUR COMMERCIAL DEPARTMENTS AT 504-441-RATE(7283) OR FILL OUT OUR QUOTE REQUEST FORM.
Attention New Business Start-ups: Need Help?

The U.S. Small Business Administration reports a whopping 80% of all new businesses fail within the first two (2) years. Do small business owners plan to fail, or do they just fail to plan? To be successful you have to employ strategies and innovations to keep you above the competition and have definite financial goals and expectations.

SCORE -FREE Counselors to Americans’ Small Business (SBA)
FREE Online live assistance to business questions from A to Z

  • www.score.org

    Quick Reference Check List For New Businesses:

       

1. Licenses and Applications
       

  • Create Separate a Business Entity (C or S Corporation, LLC, Partnership, etc.
           
  • Obtain Federal Tax ID Number
           
  • Obtain State Tax ID Number
           
  • Obtain Parish Occupation License
          
  • Obtain State & Parish Sales Tax Licenses
           
  • Trademark your Logo & Trade Name
       

2. Insurance Requirements
       

  • Health, Dental & Disability
  • Worker’s Compensation
           
  • Commercial Auto (if needed)
           
  • Business Liability
           
  • Do you have a retirement plan?
      

3. Planning Success
       

  • Create a Business Plan
           
  • Create a Budget
           
  • Advertising? Referrals? Marketing?
           
  • Website
           
  • Join Chamber of Commerce
           
  • Networking
           
  • Better Business Bureau (optional)
       

4. Accounting       

  • Open Business Checking Account  
  • Accounting Software
           
  • Consult CPA for Bookkeeping & Tax Strategy
           
  • Acquire Business Credit Card (Optional)

Where Can You Go To Get Comparative Quotes From Many Leading Companies As Quickly As Possible?

Dan Burghardt shops dozens of insurance companies for the lowest price available to satisfy your needs and budget. One call, One Agency, representing over 100 Best Rated Companies. Why have multiple agents handling your insurance needs? For commitment, professionalism, stability and integrity, please take a few moments to complete our commercial quote request and we will respond immediately, or you can call us directly at (504) 441-RATE(7283).