Clarity and Confidence in Your Coverage.

General liability, commercial auto, workers’ comp, and umbrella products to cover every exposure your small business may have.

We bring middle-market expertise to the small commercial space. Businesses of all sizes face the same challenges, so why can’t small businesses get the same quality of advisor as middle-market businesses? They face the same issues, and we believe they deserve the same dedication in protecting their livelihoods.

Let’s review your business’ experience modification, risk management program, and the actual value of your policy relative to, as opposed to solely based on, the price.

Cyber/data breach liability, employment practices liability, directors & officers (D&O), errors & omissions (E&O), medical malpractice, and more.

In the ever-changing world of insurance there’s always a newly trendy product. Lately it’s been cyber/data breach liability, now that almost all businesses are benefitting from an online presence that unfortunately leaves them vulnerable to new types of threats. This applies even if your business is completely or almost completely offline, due to digital payment processing (which includes processing for traditional credit & debit cards).

However, almost all small businesses can benefit tremendously from at least one of these products. Let us assist you in evaluating their value to your insurance program today.

Auto insurance is a near-universal need, and we promise to put the same effort into a single-vehicle policy that we would with our largest clients.

Everyone needs their assets well protected in this ever-increasingly risky and expensive aspect of life.

The average American’s overall wealth and financial health are tied directly to their investment in their home.

Don’t spend 15 minutes online only to end up removing critical coverages that protect yours in order to hit an arbitrary price point. Rather, let us spend the hours scouring the market for the best available rates so you don’t need to sacrifice quality of coverage for a reasonable price.

It’s critical to recognize that the standard HO3 homeowner’s policy form lacks several crucial coverages by default. This goes back to the insurance-as-a-commodity concept. A homeowner’s policy from carrier A is not identical or even necessarily comparable to a policy from carrier B.

However, when we ask folks, “Do you think this is always covered on a homeowner’s policy?” the answer is overwhelmingly “Yes!” That disconnect between expectation and reality is terrifying. We can help navigate this labyrinth so your nest egg is properly protected.

Have you done business with an insurance agency only to find they were suddenly unwilling to help as soon as things became truly difficult? It’s a story we’ve heard more often than you’d think.

A business has a major claim (or two!), adds a challenging or high-risk new operation, or, through no fault of their own, faces a change in carrier appetites. Any of these scenarios can lead to the response, “I’m sorry, but our agency is no longer able to assist you.” Or, perhaps worse, “This very unattractive option is all we’ve got.”

The “why” is clear: excess/surplus lines insurance is difficult. These policies involve roughly triple the work for a third of the compensation, plus an increased E&O exposure for the agency. These scenarios are where an experienced agent unafraid of the excess/surplus market can make a meaningful difference in results for your business.

The traditional rules the state imposes on admitted insurance products no longer apply. Policy contracts can be written however the carrier prefers, and you won’t be dealing with the familiar standard-market insurers. The Maheux Agency works with the best national and regional wholesale brokers and has a long history of success with these non-traditional excess/surplus products.

When you need us most, we’ll be there.