Commercial property & casualty independent insurance agency. Types of Clients include Apartment Owners, Nursing Homes, Construction, Hotels, Manufacturing & Wholesalers. We work to reduce our client's Total Cost of Risk through Customized Risk Management plans. If your current Broker is only shopping for your lowest price and then simply giving you reactive service. you are only seeing a small portion of your total cost of risk. Preventative services we offer make you more attractive to insurance companies and keep your profits in your company.