Contractors
Contractors face considerable risk on a regular basis. It takes an experienced broker to understand and protect Contractors with specialized coverages for all aspects of construction activity. R.C. Fischer & Co. began selling insurance and bonds to Contractors in 1939. We have 4 generations of experience insuring the trades. We are particularly focused on General Engineering, Trade Contractors, General Contractors, and Developers. We offer the following services:
- Insurance Placement for Property, General Liability, Auto, Umbrella, Builders Risk, Equipment, Workers Comp, Cyber, Employment Practices, Directors & Officers, Railroad Protective, Surety Bonds, and other specialized coverages
- OCIP or Wrap-up policies
- Captive placement
- Risk management
- Certificate and additional insured endorsements
- Contract review
- Claims advocacy
- Safety program assistance
Real Estate
We insure Owners, Developers, Property Managers, and Investment Advisors for all types of Real Estate. This includes Office, Retail, Residential, Habitational, Mixed-Use, and Industrial. Our Carriers have specialized coverages for buildings that are eco-friendly, older, urban or rural.
Specialized coverages include:
- Property & Liability
- Umbrella
- Building Ordinance
- Rental Income
- Machinery Breakdown
- Cyber
- Directors & Officers
- Employment Practices
Restaurants
We understand the unique insurance requirements for hotels, restaurants, and other hospitality businesses. R.C. Fischer & Co. has built a reputation for excellence when it comes to serving the needs of the hospitality industry. We can develop insurance solutions tailored to meet your specific needs and provide comprehensive protection.
We offer coverage for the following businesses:
- Restaurants
- Hotels and Resorts
- Golf Courses
- Bars
- Catering
Coverage options:
- Property & Liability
- Workers Compensation
- Auto
- Umbrella
- Liquor Liability
- Crime and Fidelity
- Employment Practices
- Cyber
Manufacturers
We work with various manufacturing clients in the metal, plastic, wood, food, aggregate, and textile industries. We take the time to understand your concerns and answer questions about premium, coverage, claims and safety. Our staff is committed to providing a top-quality customer service experience.
Coverage options:
- Property & Liability
- Workers Compensation
- Auto
- Umbrella
- Employment Practices
- Transit
- Cyber
- Directors & Officers
Security Guard Companies
Considerations:
- Do you want your liability policy to be based on payroll or guard hours? If you use payroll and your guards book a lot of overtime, you can expect to pay more when the policy is audited.
- General liability policies for guard companies can be complicated. You must review the exclusions and limitations. Many carriers will offer an inexpensive quote, but you may end up with a denied claim. Coverage for firearms, assault and battery, care custody or control, & lost keys is important.
- Do you need professional liability? Yes, you do. If your guard fails to act or is accused of false arrest, Professional Liability typically responds.
- Workers Compensation can be a challenge. You need to be assured that the carrier you choose has a solid claims department. Guard claims are plentiful. A return-to-work program is essential. We can help you with that. You don’t want the guard sitting in your office on modified duty? We have solutions.
General Business
R.C. Fischer & Co is an independent insurance agency with broad access to the insurance marketplace. Our affiliation with Pacific Interstate Insurance Brokers gives us direct access to preferred carriers. We also have key relationships with wholesale brokers for access to standard and non-standard carriers. This gives us the ability to provide comprehensive coverage to a vast array of businesses. A large percentage of our clientele fits within the General Business category.
We’ve been in business over 80 years. We have the knowledge and experience to place coverage for your business, whatever that business might be. The coverages may change depending on your unique characteristics, but most every business needs basic coverages such as General Liability, Property, Auto, and Workers Compensation.
Ask our brokers what specific coverages your business needs and we’ll provide a comprehensive and cost effective solution.