Business Insurance

Simkiss & Block is among the leading privately held brokerage firms with practice areas that are consistently recognized as leaders nationwide among independent brokerages. Our wide geographic reach and broad carrier representation offer us top-level relationships and a voice in the marketplace which most of our peers cannot match.

We represent clients of various sizes, from privately owned businesses through Fortune 500 firms, and have expertise in guiding clients through various evolutions of insurance program design as their organizations develop. Whether through reviewing deductibles, negotiation of partial self-insurance or loss sensitive programs or ultimately to consideration of alternative risk transfer vehicles such as captive insurance company programs, our firm can provide you high-quality counsel through various phases of growth and change.

We are well positioned to guide a firm through its renewal process and, equally importantly, to offer guidance on a going forward basis in risk management practices and procedures beyond the placement of an insurance program. Our philosophy is that while the insurance program that you purchase is often the most tangible representation of your management of risk, it should not be the core of your management of risk. We believe that sound fundamental practices and processes being instilled throughout your organization are the keys to helping manage and ultimately lower your overall cost of risk. We believe that a broker which is best serving its clients’ interest should not just be visible to them only during the months surrounding the renewal date. In fact, our clients consistently tell us that they agree with and appreciate our year-round focus and that our work during the rest of the year has even more long term value to them than the excellent results we achieve for them at each annual renewal.

Among some of the products and services our commercial property/casualty insurance group can provide include:

  • Commercial Property – including manuscripted coverage forms and syndicated or layered programs.
  • Workers Compensation – including a broad range of risk financing options such as guaranteed cost, deductible or other partial self insurance options, captive insurance services and more.
  • Umbrella/Excess Liability Coverage – including providing relevant claims examples and quantitative data regarding purchasing habits of peer companies.
  • Errors & Omissions – highly customized policy forms to meet the needs of virtually any professional service.
  • Management Liability – Directors and Officers Liability, Employment Practices Liability, Fiduciary Liability, Crime, etc., for publicly traded or privately owned companies.
  • Environmental Insurance – for contractors, property owners and other businesses.
  • Transactional Insurance Products – Representations & Warranties Insurance and other products to facilitate getting your deal to closing.


Cyberliability               Representations/Warranties

Bulletin      Representation/Warranties

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