As a commercial insurance brokerage and advisory firm, we work across multiple carriers and coverage lines to structure protection that reflects operational exposure, contractual obligations, and long-term business objectives.
Most insurance programs are not reviewed frequently enough to keep pace with growth, asset changes, and evolving liability exposure
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A properly structured program helps ensure:
Wheeler & Taylor has been advising businesses on complex commercial integrated coverage design for generations, helping organizations structure coverage that evolves alongside their operations and long-term strategy.
An insurance program is ultimately measured by how it performs when a claim occurs. Beyond placing coverage, we advocate for our clients throughout the claims process and provide ongoing reviews to help ensure their insurance program continues to align with changing operations, assets, and contractual obligations.
We work with carriers and adjusters to help clients navigate complex claims and pursue timely, fair resolution.
We reassess coverage as businesses grow, acquire assets, enter new markets, or take on additional contractual obligations.
We help address insurance requirements in leases, customer agreements, and vendor contracts.
We regularly review and update your insurance program as your business evolves.
The coverage your business needs depends on your industry, operations, property, employees, contractual obligations, and liability exposure. Common policies include general liability, commercial property, workers’ compensation, commercial auto, cyber liability, umbrella, and professional liability insurance.
Most businesses should review their insurance annually and whenever there are significant changes such as growth, new locations, equipment purchases, hiring, acquisitions, or changes in contracts and operations.
Yes. We work with a wide range of highly rated commercial insurance carriers and compare options to identify the best combination of coverage, pricing, and long-term value for your business.
Simple accounts may be reviewed in a few days, while more complex businesses can take longer depending on underwriting requirements, loss history, and the number of carriers involved.
Most businesses today face cyber risks, including ransomware, data breaches, and fraudulent wire transfers. Cyber liability insurance can help cover response costs, legal expenses, and business interruption related to these events.
The appropriate umbrella limit depends on your revenue, assets, contracts, industry risks, and potential exposure to large claims. Many businesses carry excess liability limits to protect against catastrophic losses.
Business interruption insurance is based on your revenue, fixed expenses, payroll obligations, and the time it would take to restore operations after a covered loss.
Pricing is influenced by industry type, payroll, revenue, property values, claims history, cybersecurity practices, and the specific coverages and limits selected.
f you have employees, EPLI can provide important protection against claims involving wrongful termination, discrimination, harassment, and other employment-related allegations.
D&O insurance helps protect company leaders against claims alleging mismanagement, breach of fiduciary duty, and other decisions made in their roles as directors or officers.
Yes. For business owners with significant personal assets, it is often beneficial to coordinate commercial and personal insurance to help close potential liability gaps.
We typically review details such as business operations, payroll, revenue, locations, vehicles, property values, contracts, and prior loss history.
Yes. We assist businesses with certificates of insurance, additional insured requirements, waiver of subrogation requests, and other contract-related insurance obligations.
Since 1871, Wheeler & Taylor has helped businesses identify exposures, compare leading insurance carriers, and build customized insurance programs designed to protect operations, assets, and long-term growth.
We’re happy to help. Don’t hesitate to reach out to us at wtsolutions@wheelerandtaylor.com with any questions regarding home, auto, business, umbrella, or any other insurance questions you may have.
Wheeler & Taylor works with businesses throughout the United States, helping owners and executives build insurance programs that protect operations, assets, and long-term growth without unnecessary complexity.
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