Business Insurance

When it comes to risk, we believe mitigation and risk transfer throught insurance are keys to preserving company’s balance sheet. The total cost, for risk business is measured by sum for insurance premiums, covered and uncovered claims, and lost opportunities to unforeseen occurrence. At Winters-Oliver, of goal is partner with our small and medium size business clients to uncover risk than together, to work on protecting your assets, employees, and customers.

To achieve this goal, use consultative approach with clients; process is designed to deeper than the typical insurance conversation.


Ask the Right Questions

Learn About the Business or Organization

Exchange Information


Identify Risk

Review Contracts & Risk Transfer Controls

Policy Review


Gather Accurate Information

Verify the Information

Drive Competition in the Market


Present a Proposal that:

Matches the Risk

Is Client Focused

Communicates Risk-Mitigation Strategies


Complete policy-issuance tasks within the agreed timeframe.

Educate on all carrier loss control and safety resources

Consistently Measure & Review

Business Insurance

We can provide your business with the following:

  • General Liability
  • Directors & Officers
  • Professional Liability/E&O
  • Cyber Liability, Commercial Property
  • Workers Compensation
  • Commercial Auto
  • Crime
  • Employee Practices Liability
  • Umbrella/Excess
  • Fiduciary Liability
  • Inland Marine
  • Surety & Bonding
  • Environmental
  • Builder’s Risk