Business Insurance

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

To achieve this goal, we use a consultative approach with clients; the process is designed to go 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