Commercial Insurance | Thomas H. Heist Insurance Agency

No-Obligation Quotes • Great Rates • Friendly Service • Experience

Request a Business Insurance Quote

Insurance is complex. Without the help of licensed and knowledgeable people, costly mistakes can jeopardize the solvency of your personal assets. Because clients’ needs are vastly different, we prefer to conduct a short telephone interview (usually 10-15 minutes) to determine the program which is specific and appropriate for you.

Call us at 1-800-220-6613. For your convenience we have set up some forms that include many of the questions we will ask you when you call. You can complete and submit a form if you like and we will contact you. We have people who will answer your questions.

Property Insurance

Commercial Buildings
Condominiums
Business Personal Property
Floater Policies for Tools and Equipment
Flood Insurance

Liability Insurance

Commercial Liability
Commercial Automobile
Workers Compensation
Employee Benefits
Fidelity Bonds

10 Ways to save on your business insurance without sacrificing coverage…

There’s more to saving money than reducing your premium. With our approach to business insurance there are 10 ways to save when you renew!

KNOW YOUR INSURER: We represent a number of fine companies, and we know which ones want your business. In short, we do the shopping for you.
GAPS AND OVERLAPS: Take advantage of our commercial coverage survey that eliminates expensive overlaps and reduces the chance of devastating gaps.
RETAIN AFFORDABLE RISK: By prudent “risk retention,” you use deductibles to reduce your overall insurance expenditure.
DON’T UNDER-INSURE: Just as we help you not to over-insure, we work with you to review and consider all of your exposures.
DON’T GUESS AT LIMITS: Very often increased limits – especially liability – are only costly when you underestimate the high-end of a lawsuit.
DON’T OVERLOOK EXCESS: A liability policy that picks up where your primary coverage leaves off can not only save you money – it can save your business.
BUSINESS INTERRUPTION: Can any business owner afford to lose his/her income while waiting to rebuild after a fire or other catastrophe? The answer is NO!
CHECK FOR DISCOUNTS: Often insurers will provide discounts on the Policy when proper fire walls, sprinkler systems, burglar alarms, etc. are in place.
PRODUCTS LIABILITY: Because you don’t manufacture the products you sell, doesn’t mean you can’t be sued – and won’t have to pay lawyers.
MULTIPLE INSURERS: Sometimes it pays to split your coverages, we can do that when it makes economic sense to use more than one carrier.

MOST IMPORTANT: Before you just write another check to renew your coverage, give us a call. We’ll help you save money on your business insurance without sacrificing coverage. If your current business policy(s) are renewable within 90 days, please call us immediately, and we’ll work on a competitive quote right away!