Choosing insurance based off of a quote is a dangerous method of operation. ERM Insurance brokers are specialized in finding our clients the best in personal and business insurance by balancing your desired cost and coverage, providing you with an insurance plan that has the best of both worlds.
With so many options for insurance on the market these days, finding the most effective coverage for health, business, auto, and other forms of insurance is a complex and overwhelming process. Our brokers have been in the Orange County insurance game for over 30 years, and we know what options are out there, saving you from hours of collecting and comparing rates.
As our name signifies, ERM Insurance’s foundation lies in Enterprise Risk Management. We offer our clients more than just quality insurance plans. ERM brokers design and implement risk reduction strategies to maintain the necessary coverage for your personal or business needs. Our Orange County insurance brokers help eliminate influences that may contribute to a rise in cost in your insurance plan.
Coupled with our in-depth coverage assessments, our Orange County Insurance brokers can guarantee that the insurance we find is tailored to your specific needs. ERM Insurance receives secure preferred rates from virtually every major insurance carrier in the country, and we always disclose that our brokers don’t work on commission. You can trust our recommendations are honest and appropriate, maintaining the attractive cost and level of coverage you need.
ERM brokers can help you find exactly the personal insurance plan necessary to protect your family and your bank account. We offer insurance ranging from health coverage that aligns within the Affordable Care Act requirements, to auto insurance for your everyday vehicle, or a special plan within your prized collector’s car insurance.
We offer a variety of specific plans that will help protect your most precious assets. ERM Insurance brokers can find you the most secure Orange County insurance plan for long-term care coverage in the event you incur a major injury. This can be added in addition to life, disability, and health insurance coverage.
You can view more specific personal insurance coverage options on our website here to familiarize yourself with personal insurance options including fine art insurance, condo insurance, earthquake insurance and much more.
There are no two businesses out there that have exactly the same concerns and needs when it comes to protecting a company. That’s why our brokers supply Specialized Programs that are molded to protect your business against specific risk concerns. By evaluating coverage, carriers, and products, we can walk you through quote comparisons, showing you, rather than telling you, that our brokers will find you the best coverage for your business that fit within your expenses.
Workers Compensation is required in 49 states, Texas exempt, and is a necessary asset that will protect both your business and your employees. Should an individual working for your business incur an injury, workers’ compensation coverage will pay for their medical care, part of their lost wages, and permanent disability, with compensation available should a extremely unfortunate incident result in the employee’s death.
Your company will be protected when you implement workers’ compensation because consequently, employees lose the right to sue the employer if an accident happens and they’re covered by workers’ compensation. The costs are paid for by the state or insurance carrier, and the amount covered is based on the extent of the injury and their performance in the company.
Interested in lowering your workers’ compensation costs overall? ERM Insurance brokers have developed a multifaceted Cost Containment program that has been proven to lower costs by 50%. View our method for lowering Orange County insurance coverage for workers’ compensation here.
Make sure the Benefits Broker assisting your company is putting their yearly raise to work. Because health insurance premiums change every year, brokers get an increase in pay to promote that they remain up to date.
At ERM Insurance, our brokers put these wages to work, analyzing the cost and operational efficiency within Human Resources, Human Resources Information Systems, Benefits Administration, and Wellness Programs. The full compliment of Employee Benefits that our brokers write are listed here.
ERM’s Orange County Insurance brokers implement a unique method of evaluating costs, risks, and coverage, resulting in the best insurance plan at a fair price. View our website to gain a full understanding of the advantages you’ll gain by working with on of our experienced, knowledgeable brokers. You can also call our brokers at (949)222-0444 for more information.