Business Insurance – Noemí Perez Insurance Partner

Are you sure that your business is covered against all possible risks?
If your business can’t operate for any reason, how are you going to cover the losses?
Do you know that the directors and officers of your company assume responsibility in case of claim or lawsuit? Are you covered?
If you are not in your business anymore, do you think it will survive?
Is your business prepared to pay the shares of an heir? Would your family have a guaranteed access to the assets of your business?
How can a company ….How much would you spend in time and money to replace him/her?
Have you considered insurance that protects your employees? If a premature death occurs, can you recover the premiums paid and does the employee’s family receive compensation?
Can your business survive debt in the event of the death of its principal shareholder (s)?
What does retirement mean to you? Can your Retirement Plan continue to contribute any amount if you are permanently disabled?
Do you prefer to accumulate money for retirement without the ERISA and IRS restrictions?
Do you want to defer part of your salary and contributions up to your retirement?
Would you like to continue receiving your salary after retiring?
As an Employee, would you like to receive a Bonus as part of your compensation? Or, as an Employer, do you prefer to give a bonus to your Key Employees to retain or reward them or for talent recruitment purposes?
If you are incapacitated for more than 6 months or for the rest of your life: who will pay your debts, medical care and your current lifestyle?
Would your partners agree to buy your shares? Do they have the capital to do it or would they have to use business assets?
If you could not afford your business expenses for illness, accident or a terminal condition, could you pay another Professional like yourself to continue serving your clientele?
During a long term disability, do you have enough assets to continue paying your employees and office expenses for the next 18 months?
Have you recently evaluated the health plan your company offers the employees?

Business Liability Insurance

Coverage that protects businesses from losses due to events that may occur during the normal course of business. There are many types of insurance for businesses including coverage for property damage, legal liability and employee-related risks.

Our Business Insurance services include:

COMMERCIAL

Commercial Packages
Property
Automobile
General Liability
Business Interruption
Building Insurance
Directors & Officers
Employment Practice Liability
Errors & Omissions

Bonds
Boiler & Machinery
Umbrella/Excess Liability
Garage Liability
Cyber Insurance
Crime
Employee Dishonesty
Special Events
Medical Practice
Others

LIFE

Buy & Sell Agreement
Key Person Indemnification
Split-dollar Insurance
Business Debt Liquidation
RETIREMENT PLANS
- Qualified Retirement Plans
- Non-qualified Retirement Plans
- Deferred Compensation Plans
- Salary Continuation
- Executive Bonus

DISABILITY

Disability Income
Disability Buyout
Business Overhead Expense

HEALTH

Group and Individual Medical Plans
- Employee Benefit Management
- Compliance
- Group and Individual Life Insurance
- Supplemental Benefits
- LDT and STD