At Creative Insurance Concepts we offer a variety of commercial insurance coverages for businesses of all sizes, and we are eager to assist start-up and small emerging businesses.
Installment payments and premium financing options are available. Our licensed insurance consultants provide risk management services.
Professional liability insurance, also called Errors and Omissions insurance (E&O insurance), protects from claims arising out of an error or omission you make while providing professional services. This coverage also pays legal defense expenses if you are sued for negligently performing your services, even if you are not liable.
General Liability (GL) insurance, also known as commercial liability insurance, provides insurance coverage for your business against claims made by others including bodily injury, damage to property, or personal injury.
A Business Owner's Policy (BOP) is an enhanced insurance policy that combines general liability insurance and property insurance and is packaged to include additional coverage for your business such as, loss of business income, computer equipment breakdown, as well as a list of extra coverage included in the package.
Workers compensation insurance protects your employees and your business from work-related accidents, illnesses, and even death. Nearly every state requires that employers have insurance to cover medical costs and lost wages for workers who are injured or become ill on the job.
Directors and Officers Insurance provides personal financial protection for your company's directors and officers from actual or alleged covered acts of wrongdoing while serving on the board and/or as an officer. It covers claims resulting from managerial decisions that adversely impact your company.
Cyber security insurance protects businesses against computer-related crimes and losses. This can include targeted attacks, such as malware and phishing, as well as the occasional misplaced laptop containing confidential material.
Special Events coverage protects against property damage or bodily injury including acts of violence that may occur during a social or business event. This coverage may be required of clients hosting an event at a public or private venue.
Includes physical damage, collision and or comprehensive coverage for vehicles owned by your business. Optional coverage may be added for non-owned, hired or rented vehicles which may include excess coverage for employees using their vehicles for business.
Surety Bonds are our specialty, both contract and commercial bonds which we have placed since 2004. The agency has power of attorney and is appointed with more than 15 surety companies. CIC is proud to be one of the first minority-woman owned surety agencies to place bonds through the Small Business Administration (SBA) Surety Bond Guarantee Program.
Our first bond was placed in 2004.
What differentiates Creative Insurance Concepts, Inc. (CIC) from other bonding agencies is the extensive consultation we offer to our clients during the bond application process. CIC has partnered with insurance brokers such as Marsh, AON, Arthur J. Gallagher & Company, and McGriff to collaborate on public official bonds and insurance broker projects.
Are you an airport concessionaire? If so, replacing your Letter of Credit (LOC) with an airport concessionaire bond not only releases the LOC from the airport, but also returns 70% to 80% back into your cash flow.