Insurance Coverages

Business Property and Liability

Business Property and Liability

Business Owners wear a lot of hats. Procuring the right insurance is one of them. It takes an expert to determine the adequate amount of Property and Liability coverage to protect your Assets. RC Fischer & Co can help by combining Property & Liability policies into a Package or procuring them on a monoline basis. 

Building Owners can benefit from Building Ordinance coverage, Agreed Amount valuation, Extended Business Income, Earthquake and Flood. 

Contractors can benefit from Liability policies that do not have Residential Work, Subsidence, or Prior Work exclusions. 

These are just an example of what you may need for protection. Let us help you. 

Commercial Auto

Commercial Auto

Auto Insurance is becoming increasingly more expensive due to parts and labor increases, inflation, traffic, and court awards. 

RC Fischer & Co can help keep costs at bay by working with you to improve your chances of avoiding accidents. This may include a Fleet Safety program, Motor Vehicle review, Telematics, Driver Training programs, or Claims Advocacy.

Umbrella and Excess Liability

Umbrella and Excess Liability

Jury awards are increasing at astronomical levels. The standard limit of $1,000,000 may not be enough to compensate for loss. We can assist in providing higher limits of Liability to a level that makes you feel secure. We have broad access to the Standard and Surplus line marketplace.

Workers Compensation

Workers Compensation

We consider ourselves experts in Workers Compensation. Many things can be done to minimize the cost of this coverage. RC Fischer & Co can assist by helping you lower your experience modification rate. This can be achieved by addressing the following:

  • Claims control/Claims advocacy 
  • OSHA 300 Log assistance
  • Loss Control 
  • Experience Modification forecasting and review
  • Marketing experience with many Providers
  • Payroll Audits
  • Classification review
  • Work Comp Insurance Rating Bureau contact
  • OCIP assistance and management
Management Liability

Management Liability

Your business is exposed to many forms of “Management Liability”. We can help you determine the need for placement in the following Management Liability coverages:

  • Directors & Officers
  • Employment Related Practices
  • Fiduciary Liability
  • Professional Liability
  • Crime 
  • Kidnap and Ransom
Cyber Liability

Cyber Liability

Every business with a website, email, or any form of electronic communication is exposed to Cyber Liability. Your business is not too big or too small to be attacked by Cyber criminals. Let RC Fischer & Co assist in obtaining coverage for this increasingly frequent and expensive threat. We can provide coverage for many incidents such as:

  • Ransomware
  • Network and Information Security
  • Multimedia Content
  • PCI Fines and Assessments
  • Breach Response
  • Business Interruption
  • Reputational Harm
  • Computer Replacement
  • Computer Fraud 
  • Service Fraud
  • Funds Transfer Fraud
Specialty Construction Insurance

Specialty Construction Insurance

Contractors face a considerable amount of Risk on a regular basis. We take the time to understand your business and the exposures that cause frequent and/or severe loss. Many of these exposures are passed down through the indemnity agreements you sign with private owners and public agencies. Let us help you understand and insure standard and specialized Risk situations with the following coverage:

  • General Liability and Property 
  • Automobile 
  • Equipment 
  • Builders Risk
  • Workers Compensation
  • Excess/Umbrella
  • Pollution
  • Management Liability
  • Design/Build
  • OCIP/CCIP assistance
  • Railroad Protective
  • Earthquake/Flood
Captive Placement

Captive Placement

Are you proud of your company? Do you consistently carry a lower-than-average loss ratio compared to your Peers? Do you have active Loss Prevention programs? Are you financially stable? Are your General Liability, Workers Compensation, and/or Auto insurance costs more than $100,000 annually? If so you may benefit by joining a Captive. This is a non-traditional approach to insuring your Risk. Successful Captive participants can save up to 50% of normal insurance costs and tend to avoid major price swings in the up and down insurance marketplace. 

Contact RC Fischer & Co about a Captive if you think your company can qualify.