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Commercial Insurance2023-06-06T20:32:54+00:00

Commercial Insurance

No one knows your business better than you. Followed closely by us.
That’s because INSURICA is made up of insurance and risk experts who specialize in core industries such as yours. And when it comes to successfully managing your business risks, knowledge is the greatest insurance policy.

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Risk Management

Our in-depth understanding of your business allows us to uncover often-unseen risks and opportunities that can dramatically lower your exposure and costs.
By working directly with your management team, we’ll help you determine which risks should be managed internally by minimizing or eliminating exposures, and which risks warrant the direct involvement of an insurance company.

Industry Experts

Our network of industry experts understand the unique risks and exposure your business faces, because we understand your business. From having a working knowledge of the details of your operation to the process flow for your product or service, we immerse ourselves into your structure in order to best manage and control your risk.

Beyond Protection. A Comprehensive Approach to Risk.

While insurance is all too often the primary focus of most programs, in today’s rapidly changing, viciously competitive, constantly evolving corporate world, it’s not enough. At INSURICA, we focus on the “whole” vs. the “policy” through a thorough five-step process.

RM4U: Our Process

  1. Risk Assessment – Identifying and examining our client’s exposures through the Risk Assessment.
  2. Risk Report – Assessing the potential impact of those exposures and using the results to identify areas of risk reduction.
  3. Performance Plan – Utilizing the results of the analytics to form a strategic risk reduction plan, as well as a service calendar for plan implementation.
  4. Stewardship Meeting – Providing accountability through stewardship and continual risk management assessment, advice and analysis.

Customized Programs For You

Because we are an independent insurance agency, we are able to customize programs by accessing the latest information from many insurance carriers, comparing and contrasting their coverage offerings and pricing and designing a cost-effective, comprehensive program to meet your specific needs.

As an Assurex Global Partner, we have the ability to place coverage in all 50 states and, through local foreign sources, in close to 100 countries worldwide, but continue to coordinate all efforts through your local INSURICA office.

Whether your operations are local or worldwide, INSURICA has the resources to help you protect and grow your business.


Our in-depth understanding of your business allows us to uncover often-unseen risks and opportunities that can dramatically lower your exposure and costs.  Quite literally, we dig deeper to help you identify your exposure and efficiently minimize your risks through proven loss prevention and loss reduction techniques.

Recruiting and retaining the best and brightest is critical to your long-term success. All too often, the difference between a “loyal career” and “just another job” comes down to employee benefits. But unfortunately, after payroll, employee benefits are the largest budget item for most businesses.

At INSURICA, our Employee Benefits Experts can help you develop and implement a benefits program designed to motivate your employees while minimizing your cost.

We are proud to be an Assurex Global Partner. Assurex Global is the world’s largest privately-held risk management and commercial insurance brokerage group. Due to Assurex Global’s worldwide Partnership, collaboration tools, and communications infrastructure, all Assurex Global Partners are capable of servicing your accounts across the globe with equal precision and localized service.



We define claims management a little differently. We view our role as “a partner in your company’s profitability.”

Loss Control

Loss Control

Loss control has become one of the most important elements of your business’s insurance

Alternative Risk

Alternative Risk

Self-insurance, large deductible plans, captive insurance…Our programs are tailored to fit your specific needs.

Find Out More About Our Services and Capabilities

We are here to answer any questions you may have and look forward to hearing from you.

Latest News

Today’s insurance programs must take into account the unique challenges faced by each client. In addition to a strong coverage program, some businesses may need advanced services. INSURICA has the additional Client Services required by complex business operations.

Environmental Liabilities at Agriculture and Farming Properties

April 22nd, 2024|Blog, Commercial Insurance|

The most common environmental and regulatory exposures encountered at agriculture and farming properties include the following:

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Heat Rules: OSHA’s National Emphasis Program (NEP) for Heat

March 5th, 2024|Blog, Commercial Insurance, Construction, Energy, Risk Management, Safety Tips|

As OSHA’s National Emphasis Program (NEP) for Heat enters into its second year, it is important to revisit some key takeaways.

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Six Trends Affecting Commercial Property Insurance

January 4th, 2024|Blog, Commercial Insurance, Safety Tips|

Commercial property insurance plays a critical role in protecting the assets of a business. In the event of a loss, this coverage can help businesses replace or rebuild their damaged or destroyed property and restore their operations in a timely manner. As such, it’s crucial for your organization to obtain an sufficient commercial property insurance and understand the main factors influencing this line of coverage. Here are some of the latest trends impacting the commercial property insurance space.

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