The detail-oriented Orange County insurance brokers at ERM take your needs for insurance protection seriously. ERM Insurance Brokers can help you find specific coverage for your investments, whether they include protecting your business or personal assets. We analyze and provide the overall risk assessments and coverage that best suits your lifestyle.
Don’t put the pressure of finding the appropriate, affordable coverage on your shoulders; ERM insurance brokers are up to date on the frequently-changing rates of virtually every insurance provider. Our brokers can re-quote different carriers and coverage at any time, ensuring you are consistently informed on what insurance is best suited for you, as prices evolve and change.
Business Insurance Experts
ERM Insurance brokers are experienced in conducting enterprise-level risk assessments to evaluate the coverage necessary to protect your business. In addition to our brokers’ copious knowledge of available plans, ERM Insurance agents can evaluate all your risks to reduce losses and lower the long-term costs of risk. We do this through comprehensive evaluations of safety, hiring practices, claims management, wellness programs and compliance issues.
Many small to mid sized businesses simply don’t have the workforce to develop these assessment programs on their own. That’s why our Orange County Insurance brokers at ERM take risk evaluations of your business so seriously we named ourselves after it.
ERM Insurance has devised a variety of insurance programs to fit different business models, because a one-size-fits-all approach is simply not individualized enough to protect varying business’ needs.
- Fee Based Insurance Program: Large businesses can save money and get better overall risk management with this program.
- Manufacturing Insurance Program: A program molded to your specific risks.
- Woodworking Insurance Program: Insurance where you need it, none where you don’t.Contractors’ Insurance
- Apartment Owners and Property Managers: Landlords and property managers face specific sets of risks. We understand your needs.
Our Orange County Insurance brokers will show you all the quotes that business insurance providers have to offer, helping you compare them with our current, up-to-date knowledge on rates and protection.
Business insurance options through ERM offer a variety of specific plans, including:
- Group health insurance
- Professional liability
- Mechanical breakdown
- Workers’ Compensation
- Crime/ Employee Dishonesty
- and more
Protecting your employees is just as important as protecting your business; after all, there would be no company without them. Orange County Insurance brokers with ERM Insurance can help you decide as a business owner what coverage is important and applicable to your specific workforce. You have to option to offer more than simply Group Health, Life, Dental, Vision, with the ability to choose:
- Voluntary Benefits
- Long Term Disability (LTD)
- Executive Benefits
- Long Term Care (LTC)
Health Care Reform
Of course, ERM insurance agents will ensure the health coverage you supply to your employees is in compliance with the Affordable Care Act’s new regulations on employee insurance. Because individual reimbursements for health insurance is no prohibited by health care reform, it’s important your business is current on what it is required to offer employees.
This means that they can either pay penalty fees occurring for each employee and each day there is not acceptable coverage, or comply with ACA regulations.
Coverage must be offered to “substantially all” employees, equalling 70% of full time workers and their dependents. See our blog for more information, found on our homepage.
As an individual, current health care reform also affects the insurance protection of yourself and your family. Orange County Insurance brokers of ERM Insurance write many, many forms of personal insurance from dozens of providers, making us a trusted source for current rates and options. We will conduct annual coverage reviews to ensure you are receiving the best possible advantages from your insurance plans.
Bundling two or more policies from one provider can effectively lower your rates, one of the many tactics our brokers know of to help you save money without losing coverage. The personal insurance options you can receive from ERM Insurance range from health, auto, and house, to more specific options like fine art insurance and long-term care insurance. A full list of your options include:
- Car Insurance
- Homeowners Insurance
- Jewelry Insurance
- Health Insurance
- Condo Insurance
- Renters Insurance
- Watercraft & Boat Insurance
- Motorcycle Insurance
- Umbrella Insurance
- RV Insurance
- Life Insurance
- Dental Insurance
- Disability Insurance
- Long Term Care Insurance
- Fine Art Insurance
- Flood Insurance
- Earthquake Insurance
Don’t hesitate to call (949) 222-0444 if you are seeking advice on finding the most appropriate business, personal, or employee coverage to protect the valued things and people in your life.
Stay compliant with evolving regulations and protect your valued assets using the most effective insurance options, found with the help of ERM’s experienced Orange County insurance brokers. Learn more about our options and process here.