What we do for you:

• Identify many principal exposures to loss
• Review and recommend coverage options
• Select and negotiate with carriers on your behalf
• Present and explain insurance contracts
• Review coverage annually and make recommendations
• Explore the possibility of passing some risks onto the insurance of others
• Assistance on claims reports
• Personal attention to your needs 

What this means to you:

• One source of exploring for risk
• Respect and influence with diversified insurance companies translates into a strong negotiating position
• Negotiating strength typically results in better pricing, coverage and claim treatment
• Knowledgeable and experienced staff who will strive to help you with all of your insurance needs

Competitiveness

The importance of the “bottom line” is always in sight.  We’re able to competitively write coverage from quality insurance companies.

Underwriting Services

We take great pride in our level of service. You communicate with our skilled and highly trained staff who are in constant touch with the insurance industry.  It’s our responsibility to create a policy that will be structured to provide the most comprehensive coverage for your needs.

General Claims Services

We seek companies that have reputations for fair and prompt claims settlement.  You can count on Stone, Harris and Stone to help you through the “uncertainties” of claims service.  We recognize that sometimes there is difficulty in resolving a claim.  We work with our clients to do whatever is necessary to get their claims resolved.

Workers Compensation Claims Services

Do you feel your claims are getting cared for properly? Do you know if your claims are over reserved? Do you know if your carrier is working to close your claims as soon as possible? We feel it is incumbent upon on us to assist you in your claims handling. Your experience modification factor is directly impacted by your claims activity and has a direct impact on your premium.

Commercial Package Analysis

There are any number of ways to tailor a policy. There simply isn’t one standard way to do it. We want to know what you do. What are the nuances in your business? What are your real exposures? What would you do in the event of a loss? Are you shipping your product on your own trucks or do you use common carrier? What are your liability exposures?

Putting a policy together requires a great deal of technical expertise and experience. For example: to just insure a building today is not that simple. Building codes are changing daily. A building built in 1960 could not be built today. Policies need to be structured so that there will be coverage for changes in the building code, demolition and the cost to rebuild undamaged portions of a building.

Did you know that if an insurance company determines that your building was underinsured at the time of loss they can impose a penalty? Did you know that if you have more than one location on a policy you can combine the values to create more coverage?

The Bottom Line

Business today is inherent with problems and there is no question that claims are going to happen. The nature of insurance requires that we put ourselves in the best position possible to provide you with the broadest coverage available, with responsive, financially sound insurance companies.