Why Choose

East Coast Insurance Services, LLC

Commercial Insurance

Every business has different insurance needs and every owner has a different risk appetite. One thing for sure is no one wants a loss to occur which is not covered by their insurance policy when it was their intention to cover such losses. While you cannot plan for every loss scenario, if you are purchasing insurance, you have certain expectations when a loss occurs. We will work with you to develop a program that ensures we provide you the best combination of options to protect your interests while striving to minimize your cost of risk transfer, mitigation or retention.

Like your business, not all insurance agencies are the same. Most agents provide a quote and hope you buy it because its’ the lowest price you have been provided. While cost is an important factor, it not always the driving concern for all business owners. We’re different and our clients prefer us for many reasons. We always go the extra mile for our clients.

At East Coast Insurance Services, we take the time to fully understand your business and work with you to develop a comprehensive risk strategy. You’ll benefit by being able to make informed decisions about the risk you are willing to retain and insurance you wish to purchase. Our specialists will fully explain all options of the program we are recommending to protect your business and options to reduce your risk.

What We Offer

We offer and advise clients on all types of programs, including:

  • Guaranteed Cost

  • Deductible Programs

  • Self-Insured Retentions, including Captive and Reinsurance placements

Unlike other agents, we don’t just help clients buy an insurance policy and wait for it to renew. We offer ongoing support services, as well as, comprehensive risk management programs tailored to our client’s needs and desires. These services include safety and loss control, site assessments and training programs for their staff. Our programs are geared to controlling and reducing our client’s exposures with the goal of reducing their overall insurance costs.

Maintaining regular communication with your management team and working with you as one of your key advisors is paramount to the success or our partnership.  We provide our clients updates, at regular intervals, to keep them informed about their insurance program, including in depth discussions on losses incurred. Alternatively, receiving regular updates from our clients give us the awareness of any changes in our client’s operations or added exposures that may need to be addressed within their insurance program so we can request changes in a timely manner and ensure proper coverage is in force.

Insurance Coverages

  • Commercial Property, including windstorm and flood

  • Commercial General Liability

  • Commercial Automobile

  • Workers’ Compensation

    • Statutory Limits

    • Excess Workers’ Compensation

    • USL&H and Maritime Employer’s Liability

  • Marine General Liability

    • Hull and Machinery and Protection & Indemnity

  • Umbrella and Excess Liability

  • Motor Truck and Ocean Cargo

  • Crime & Fiduciary

  • Licensing, Fidelity, Contract & Performance Bonds

  • Management Liability

    • Director’s & Officers

    • Cyber Liability

    • Errors & Omissions

    • Professional Liability

Our Clients Include:

  • Property Owners and Lessors

  • Manufacturing, Wholesale and Retail Establishments

  • Hospitality - including restaurants, hotels & motels

  • Medical Offices, Physicians & Therapists

  • Professional Employer Organizations & Staffing Companies

  • Contractors/Construction Risks

  • Professional Services - Attorneys, CPA’s, Financial Planners, counseling services

  • Cargo Handlers / Freight Forwarders

  • Marina Operators and Service Companies

  • Marine Contractors

  • Not-For-Profit Entities, including social service and religious institutions

  • Schools, including daycare facilities and Charter Schools

  • Trucking and Public Livery risks