• Property & Casualty

Spherient Insurance offers a wide variety of qualified Commercial and Personal Insurance plans.

Commercial Property

Spherient Advisors offers expertise in protecting your business property. Call us today to discuss your commercial property needs.

General Liability

A commercial general liability policy (CGL) provides protection against exposures in operations, premises, and products. Our licensed insurance professionals are able to determine the risks unique to your business and a coverage plan tailored to your needs.

Call Spherient Advisors today for an assessment.

Workers Compensation

Laws regarding workers’ compensation insurance vary from state to state and pose a challenge for businesses. We offer comprehensive expertise in workers’ compensation insurance and your obligations to an employee in the event of a work-related injury or illness. We advise on medical, disability, and rehabilitation benefits, as well as funeral and death benefits in the event of a work-related accident.

Commercial Auto

Whether you cover your company-owned vehicles in your commercial package policy or in a stand-alone or “monoline” policy, Spherient Advisors will make sure your business autos are covered for both liability and physical damage. We can also advise on endorsements that extend coverage to specific types of loss.

Umbrella

Umbrella policies are an important and relatively inexpensive way to protect your business.

Ask a licensed professional at Spherient Advisors to provide you with a quote for this “extra-loss” protection.

Surety Bonds

Spherient Advisors can help plan, facilitate, and optimize your surety bond relationships.

We’ll work together to understand your financial structure and bond requirements alongside your short-term and long-term business plan.

Professional Liability

Certain professionals can be at a heightened risk for liability claims. Spherient Advisors can design protection against claims of negligence for doctors, lawyers, engineers, insurance agents, and other professionals and consultants.

A licensed agent at Spherient Advisors can advise you about your profession’s risk for liability claims.

Cyber Liability

Spherient Advisors are experts in cyber/privacy liability policies and can help you address the multitude of risks related to computers and networks, the Internet, and electronic information databases. We’ll work with you to reduce risk when sensitive, protected or confidential data is copied, transmitted, viewed, stolen, or used by an unauthorized individual.

Spherient Advisors is equipped to help you with this important protection for your business.

E&O

Protect your company and employees with errors and omissions insurance (E&O), a professional liability line of coverage that protects you and your people against claims of inadequate or negligent work.

Spherient Advisors’ licensed agents can assist you in the right E&O coverage for your business.

Employment Practice Liability

Employee Practices liability insurance protects you and your business against claims made by employees alleging discrimination based on sex, race, age, disability, wrongful termination, harassment, and other employment-related issues.

Homeowners

Your home, furnishings, and possessions are some of your most valuable assets. Spherient Advisors is equipped to protect you from loss through specialized insurance policies for just about any living situation, from single-family dwellings to condominiums, multi-family homes, and mobile homes. Our licensed agents are trained to advise you on the best possible coverage and make sure you and your family are protected.

Call Spherient Advisors today to receive competitive quotes from the multiple insurance carriers we represent.

Automobile

Spherient Advisors can help ensure you have the right kinds and levels of protection for your automobiles. We’ll work with you to establish the appropriate levels of liability, medical payment, and physical damage coverage you need.

We offer a comprehensive look at coverage: what type of vehicle you drive, where it’s registered, and where and how much you travel. And since we represent multiple insurance carriers, we can provide you with competitive quotes and explain the differences to you.

Call today for a personalized quote on auto insurance.

Renters

If you rent an apartment or dwelling, renter’s insurance provides property and liability coverage, in addition to personal and premises exposures. Many optional endorsements are available to add or increase coverage for unusual or valuable possessions.

Contact Spherient Advisors to discuss what type of renter’s coverage suits your needs.

Boat and Watercraft

People who love being on the water also have a strong affection for their boats. If you own a power craft or sailboat, a watercraft insurance policy provides valuable protection.

You’ll want liability and property damage coverage (or hull coverage) on pleasure boats such as yachts, cabin cruisers, and sailing vessels. Specific coverage varies with different insurance companies, but we can help you navigate the ins and outs of protecting your valuable marine asset.

A Personal Lines representative at Spherient Advisors can explain watercraft insurance, so call today.

Umbrella

Contractors rely on bond programs as a critical component of their business. The Spherient Advisors specialists are experts in planning, facilitating, and optimizing the surety bond relationship.

We’ll work together to understand your financial structure and bond requirements, and short-term and long-term business plan. Since we continually monitor the ever-changing construction and surety industries, we can help build your bonding relationship by matching your business plan with your risk appetite, target market, and individual characteristics of the surety.

We constantly monitor trends in rates, work programs and capacity, plus carrier financial strength, and carrier commitment to the marketplace. We maintain strong relationships with virtually all of the major national and regional underwriters to give you an optimal surety relationship. And we also maintain solid connections with leading CPA firms, financial institutions and law firms, to help you create effective partnerships.

Our surety experts will be happy to discuss the surety bond needs you’ll want to advance your business plan.

Flood

Homeowners in pre-determined flood zones are required by their mortgage lenders to carry flood insurance. Most of us are not protected against flooding by a traditional homeowner’s policy.

For peace of mind, let our experts explain the various types of coverage available.

Let us help you manage risk so you can do what you do best: work, live and grow.

Call Spherient Insurance Advisors 1-804-737-2900