Business Insurance
Commercial Property, Workers Compensation, General, Auto and Umbrella Liability

How does the General Liability policy work?

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A financially sound business plan is one that has addressed the




Proper insurance to protect against loss

Corporate Structure

Minimize your taxes and liability

Employee Benefits

Attract and retain talent


Take care of and protect key people

Exit Strategy

A plan in place to ensure the business continues without you


Life Insurance for Business

Use life insurance to attract, retain and reward employees as well as a vehicle for protecting your business interests. Life insurance coverage can help you sustain your employee’s financial goals no matter what the future holds.


Group Disability Insurance

Short- and long-term options can provide a greater degree of financial security just when your employees need it most.



Retirement Services

Collaborate with our experienced partners to design a strategy that works for your business and employees. Lay the foundation for an income stream during retirement by investing in tax-deferred, fixed or variable annuities.


Ancillary Products and Voluntary Benefits

Take care of your employees with the confidential, worksite-based Employee Assistance Programs and travel assistance. In addition, you can include life insurancedentalvisiondisabilitycancer and critical illness coverage. Voluntary cost you the employer nothing. Benefits are paid by the employee through payroll deduction. 


Asset-Based Long-Term Care

Instead of traditional long-term care insurance, put your assets in a life policy or annuity with LTC benefits. Long-term care benefits paid will reduce the death benefit.



Buy And Sell Agreements

In order to ensure the availability of funds in the event of a partner's death, most parties will purchase life insurance policies on the other partners. In the event of a death, the proceeds from the life insurance policy are used to purchase a portion of the deceased's business interest. It is important to note that when a sole proprietor dies, since he/she has no partners, a key employee is the buyer or successor.



Key Person Insurance

A key employee is someone who death would cause severe financial loss for the company and would be difficult to replace. Many businesses cannot afford the financial loss incurred if a key employee were to experience an untimely death. One way to mitigate this risk is through key-employee life insurance, a life insurance policy owned by the business or corporation on a key-employees life. The business or corporation purchases the policy and receives the proceeds of the policy in the event of the key-employee's death. 




Executive Bonus Plans

An executive bonus plan (Section 162) is a way for business owners or companies to provide additional supplemental benefits to key employees or executives of their choice. The benefits usually include life insurance policy death benefits as well as cash value accumulations that can be used as a retirement income supplement.  With an executive bonus plan, the business can use tax deductible company funds to selectively provide valued benefits to key people.  An executive benefit plan, used effectively, can be a valuable tool to attract and retain key executives.

Group Medical and Dental Coverage

As an employer, you can set up a group plan. It only takes two (2) people to setup a group health plan or benefit plan at work, however, the employer must contribute 50% of the employee only cost. As a business owner, you can write off the cost of offering health coverage to your employees, but you cannot do the same if you buy an individual policy. There are no pre-existing requirement and no health questions. 



Join a PEO

When you work with The Jenkins Agency Inc. you are getting a team of licensed insurance professionals that will help you select the right combination of business insurance and benefits. Reduce your administrative cost, your workers compensation cost, improve your cash flow, minimize unexpected expenses and provide world class benefits by joining a PEO. 



Workers Compensation

Workers’ compensation is a form of insurance that covers the medical and rehabilitation costs of your employees if they’re injured on the job. (It also covers some lost wages.) Typically, having insurance that covers these costs means employees give up their right to sue your business for negligence—and in turn, they get peace of mind knowing they can recover for work-related injuries without the complexity of a lawsuit.



Employment Screening, Resident Screening, Volunteer Screening

Obtain information from over 1 billion records nationwide, Access criminal files from any court records system, Verify education and employment history, Confirm employment eligibility—I-9 post-hire, Validate licensures, certifications, and credentials, Assess credit history to avoid financial improprieties, Satisfy specific industry and state licensing screening requirements, Increase workplace safety and minimize workplace losses, Obtain professional references, Receive reports specially-formatted for HR record-keeping, Eliminate negligent hiring liability.

Employment Practices Liability (EPLI)
A type of liability insurance covering wrongful acts arising from the employment process. The most frequent types of claims covered under such policies include: wrongful termination, discrimination, sexual harassment, and retaliation. In addition, the policies cover claims from a variety of other types of inappropriate workplace conduct, including (but not limited to) employment-related: defamation, invasion of privacy, failure to promote, deprivation of a career opportunity, and negligent evaluation. The policies cover directors and officers, management personnel, and employees as insureds.


surety bond is defined as a contract among at least three parties: the obligee: the party who is the recipient of an obligation. the principal: the primary party who will perform the contractual obligation. the surety: who assures the obligee that the principal can perform the task.

Copyright 2017 by The Jenkins Agency Inc.