Simple answer is Choice. An Independent Agency like Bema has contracts with SEVERAL Insurance companies. We understand the various rating parameters, counsel the policyholder on Loss Control measures to add credits to their quote/policy and offer more than 1 competitive quote for you to choose from, based on desired coverage and premium.

When you call us, you reach a Partner who helps every step of the way from binding, Inspection compliance, Loss Control, Premium Financing, Certificates of Insurance and much more.

Every business can save money on insurance. One of the best ways is to explore what different providers are offering. You can contact insurance companies directly and request rates, but you’ll have to provide your business details each time you apply.

With Bema, you can compare multiple quotes from top U.S. carriers with one point of contact.

There are several situations in which businesses are required to obtain commercial insurance. For example, most states require businesses with employees to purchase workers’ compensation insurance.

Business-owned vehicles must be covered by commercial auto insurance. While it is not required by law, general liability insurance is often included in the terms of a commercial lease or client contract.

Unfortunately, sometimes things don't go as planned. If you offer professional opinions for your business, customers may file lawsuits claiming negligence, innacurate advice, or mistakes. Even if these claims are alleged, you may still suffer financial loss from legal fees that may cause financial insecurity for you and your company.

Your Bema team member can help! Many factors play into the measurement of risk. This may include Building age, Construction type, Replacement Cost Valuations etc. for Property Insurance and Revenue, Protection, Occupancy, Exposure etc for Liability coverages. Our Bema team member will get to know you and your existing policies, in order to make sure you're adequately covered.