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JD Fulwiler & Co. Insurance Risk management assists your company to identify, analyze, control and finance a broad range of risks, and in turn improves your ability to meet client expectations and ensure continued prosperity and growth. Please contact us for more information.
The Right Commercial Insurance
Your hard work and foresight are the keys to your success, but a disaster can potentially destroy your business. Key to your protection is having adequate property and casualty insurance. What does your business insurance policy cover and are you fully protected?
A simple Business Owner's Policy (BOP) doesn't cover Professional Liability, Health and Disability, or Workers' Compensation. Specialty businesses often require additional coverages and knowledgeable insurance professionals who specialize in your industry and really understand your needs and concerns. Gaps in your coverage can be devastating to your business and family when something goes wrong.
We know our markets, their programs for specialized industries, and the strengths of the insurance companies we represent. We carefully review your business and situation to ensure the best product for you at the best price.
For a complete analysis of your commercial insurance needs, contact:
Sue Morell
Commercial Lines Supervisor
smorell@jdfulwiler.com
Direct: 503-977-5607
Property Insurance
If a storm damages your outdoor sign, is it covered by your insurance, and who cleans up and removes the debris? Commercial property insurance is not just about the building that houses your company. You also need coverage for your furniture and equipment, your inventory, landscaping, and other people's property (trucks, equipment, etc.) when it's on your premises.
Contact a Fulwiler representative today for an assessment of your property insurance needs.
Casualty Insurance
Casualty insurance for your business falls under a variety of coverages. Though a somewhat elastic term, casualty generally relates to coverage of liability due to negligent acts or omissions. To find out which casualty coverage best protects you and your business, contact a Fulwiler casualty specialist today.
Crime Insurance
All business owners worry about crime. Whether it's internal or external, a crime against your company takes time and money to resolve if you don't have crime insurance. That's time and money that would be better spent on your business. Call JD Fulwiler today to learn how you can protect your business against:
- Burglary or robbery
- Computer fraud
- Employee dishonesty
- Forgery or alteration
- Theft of money and securities
- Funds transfer fraud
- Money orders and counterfeit paper currency
Fleet Auto Insurance
It doesn't matter if your business owns one vehicle or one hundred, you need fleet insurance. Fleet insurance is similar in many ways to your personal car insurance but is essential if your employees regularly drive company vehicles. Even if your business owns no vehicles, you may want to ask your JD Fulwiler agent about non-owned and hired auto liability coverage.
Environmental Insurance
Have you considered your risk of claims that are caused by pollution? Most businesses have not but nearly all insurance companies have.
Included in most standard insurance policies is a clear section that eliminates or severely limits coverage against pollution claims.
Do not wait until a claim is filed or a loss is incurred before discovering the true environmental risks specific to your business. Let one of our environmental specialists evaluate your exposure and ensure you have the correct coverage and protection in place. There are only a handful of insurance companies that actively protect the property and liability risk of loss by environmental exposures, and we work with all of them. We know what you need. Call today for an evaluation.
Scott Wilcox
Account Executive
swilcox@jdfulwiler.com
Direct: 503- 977-5706
Executive Liability Insurance
Since the recent financial crisis, the Madoff investigation, derivative investigations, and globalization, the landscape of executive liability is changing. Directors and officers of public, private, and non-profit corporations can be held liable for issues regarding employment practices, fiduciary liability, and crimes committed by the corporation.
Be sure you and your business are adequately covered by contacting us today.
Workers' Compensation Insurance
Too often insurance agents take their clients' Workers' Compensation insurance for granted. The direct nature of the relationship between traditional Workers' Compensation insurers and their clients makes it easy for some agents to take a back seat.
At JD Fulwiler we recognize that Workers' Compensation is often the most controllable expense in your insurance budget. Our goal is to help our clients keep their experience mods low by instituting and maintaining a company-wide focus on the safe practices of employees and supervisors.
The professionals at JD Fulwiler will help you control your risk through:
- Pre-marketing site inspections and analysis, highlighting strengths and weaknesses of your employee safety programs.
- The creation of company safety programs, fleet safety policies, early-return-to-work programs and a variety of other policies designed to reduce your long-term costs.
- Claims review and analysis to help identify and reverse negative trends.
- Monitoring large claims reserves in order to avoid inflated hits to your experience mod.
- Analysis of alternatives to traditional Workers' Compensation policies.
- Immediate notification of relevant OSHA, legislative, and DCBS rule changes.
- Assistance with OSHA compliance.
Contact us today.
Keith Hattori
Commercial Lines Account Executive
khattori@jdfulwiler.com
Direct: 503-977-5619
I have worked with J.D. Fulwiler for over twenty years and it remains one of our most trusted business relationships.
JD Fulwiler serves as the off-site insurance team for Options for Southern Oregon, Inc.This year, the commercial insurance team and benefits consultants were critical to our success as we faced the complexities related to a merger and occupying a new facility. Their anticipation of our needs and response to our questions has been exemplary.
