WE CREATE A CUSTOM INSURANCE PACKAGE FOR YOU
There is a difference between an insurance agent and a "risk manager." The vast majority of Insurance agents do one thing, they sell insurance policies. Risk managers take a deep dive into your business insurance needs to point out risk then provide solutions. Yes, these solutions involve the sale of insurance products but only after in depth analysis and your input.
SCI has provided client focused service and insurance solutions for nearly 60 years. Business owners invest countless hours working, worrying and looking for ways to create, maintain and grow a profitable enterprise. By anticipating and preparing for the potential challenges ahead, it is possible to see the light at the end of the tunnel. We help you do this...
Santa Cruz Insurance Services
As times change SCI stays up to speed on insurance industry news and trends. We provide access to top insurance carriers, expert claims, and loss control services. When it's time to put your package together, we search for the most competitive pricing while securing the best possible coverage.
Alternative risk solutions
Employment Practices liability
CUSTOM SOLUTIONS FOR EVERY BUSINESS
Our commercial insurance team works with commercial enterprises in a wide range of industries. We immerse ourselves in the complexities of your industry to determine the right coverage necessary. We provide multiple coverage options to package a risk management program to protect your people, property, and financial strength for today and in the future. All of this work is wrapped into a package that seeks top-notch insurance carriers with a track record and financial ratings to be there for you when it matters.
We know how closely your business coverage and personal exposures are tied together. Our Small Business team has one goal: protect both you and your business! We also specialize in small group health plans designed to fit your immediate need. If your business need assistance with pension planning, tax deferred savings for you and your employees, including 401k plans, etc, we can guide you.
Most business owners understand potential losses to buildings, property, and income due to covered risks. Today there is an entirely new set of problems that businesses face. Let us educate you in the following areas that many brokers fail to even mention to their clients:
Employment Practices Liability (EPL)
Cyber Crime Employment Benefits Insurance
Key Person losses
Supply Chain Disruption
We help you manage employee safety on the front end in addition to monitoring your claims in real time. This help our clients in the long run. We can't predict employee injuries, however, positive results and cost savings money is attainable. We have assisted clients for decades in lowering Workers Comp costs with proactive safety planning and direct claims involvement.
PENSION PLANS & BENEFITS
At SCI we understand the importance of providing employee benefit plans that attracts and helps you keep your key workers, while providing both owners and employees retirement income opportunities beyond the working years.
SPECIALIZED INDUSTRY EXPERTISE
SCI provides multiple commercial insurance solutions to meet specialized and industry-specific needs:
General Liability / Business Liability
Professional Liability / Errors & Omissions
Business Owners Policy (BOP)
Tools and Equipment
You have the expertise and drive to bring your product to life. We find the protection for your valuable creations: your property, and your tools and equipment. We help you keep moving onward and upward even when unforeseen circumstances occur.
Are you a consultant or do you provide services for a fee? Architects, Accountants, Engineers, Financial Advisors, Software and Graphics developers? We can find you the right Professional Liability / Errors and Omissions coverage to protect you from professional negligence claims among other potential legal and settlement costs.