EXPERIENCE IN ACTION
We get it. Obtaining insurance for your business is often the last thing a business owner wants to focus on. You have better things to do, like run your business, hire and keep employees, develop products and services ‒ always paying attention to the bottom line.
But what if we told you that with the right risk management team, insurance can improve your bottom line? What if we told you that with the right coverages, your business can operate more efficiently? What if we told you that with the right portfolio of policies, your business can be positioned for additional growth?
It’s true but it’s not easy and that’s why we are experience in action. We have deep expertise in managing the risks you face as a business owner. We combine expertise with our bias for action to create customized risk management solutions for your business that make business sense.
WE WORK FOR YOU
As your advocate, we get to know you and your business. We place you first. Our team of risk managers, agents, account managers and claim liaison champions will do an extensive analysis into the risks you face, the gaps you may have, and often we identify areas where your business might have unnecessary or duplicate coverages.
From our exhaustive research, which includes going to market with our extensive list of carrier partners, we put together a customized proposal that outlines our recommendations. We provided options for today and into the future, as your business continues to grow. Our aim in this process is to do the heavy lifting to help you get the right coverage for your business with you in the driver seat.
MAKE BUSINESS SENSE
We call it the Apiar difference. At Apiar, we are backed by an entrepreneurial ownership group who have collectively built and managed several successful businesses across the United States. Our solutions make business sense because we are also business owners and not a big box insurance agency. This means that we will only make recommendations that make business sense.
Think of general liability insurance as day-to-day risk protection for business. “GL” insurance, also referred to as business liability insurance, can help protect from liability risks that may arise in the course of normal business operations.
It can protect your business in the event someone is injured on your property, for example, if a delivery person or client slips on a wet floor and needs medical treatment. It can also help cover costs if the business owner or their employees cause damage to someone else’s property.
In addition, general liability insurance can protect a business operator from claims that something they said or did caused harm to another business. It can also help resolve claims related to a business’ advertising, such as a competitor alleging that the policyholder’s advertising or logo bears a strong resemblance to theirs.
General liability insurance can help cover costs related to legal services, witness fees, and evidence costs in the event the business is sued. It can also cover the costs of judgements or settlements related to those actions.
If we look different, it is because we are different. We are trailblazers. We believe in brains before bureaucracy. As an idea company, our mission is to disrupt the big box model by tearing down old-school insurance paradigms.