Coverages

Crafted Insurance for any size company

PayneWest Insurance can meet virtually any insurance need for any company, regardless of size. But it goes beyond that. We have dedicated risk management and claims management teams that actively work on each client’s behalf to ensure competitive rates and fair resolutions. For more on our service, select the one for your interests.

Business Auto

Conducting business in the West often requires a fair amount of windshield time. We know, because we do a fair amount of it ourselves. We also know that the more time spent in the car, equals more distance covered, which means the greater the chance of an accident.

Our agents work with fleets of all sizes to determine the appropriate coverage levels for the vehicles and for the employees who drive them. We’ll help you secure fleet discounts and develop best practices that promote safety and cost savings.

Commercial General Liability

Commercial general liability is the most basic type of insurance, but you can’t afford to take a cookie cutter approach. A single loophole can mean the difference between business as usual and bankruptcy. PayneWest’s experience and knowledge help assess risk for each client and select the appropriate policies and coverage limits. Our expertise also helps us get our clients extraordinary value from our carriers.

Commercial Property

For many companies, the greatest assets on their books are their buildings, offices or factories and what’s inside them. A fire or burst water main can utterly destroy these vital assets. But it doesn’t have to destroy the company, too.

PayneWest Insurance works with clients to achieve an appropriate coverage limit based on property value in the event of a catastrophic event. In fact, we have the knowledge to advise you on avoiding catastrophe all together.

Mackin & Little Mechanical Case Study

Professional Liability

Mistakes happen. And although we can’t always predict when they’ll happen, PayneWest Insurance can predict the kind of mistakes that will happen and protect you when they do.

In addition to professional liability coverage, PayneWest Insurance can provide guidance on the inclusion of liability coverage for employment practices, employee benefits and directors and officers liability. These typically inexpensive additions to standard liability coverage provide deeper protection of company and personal assets, and in some cases, can even help cover legal fees.

Risk Management

Business owners often lament the cost of insurance and assume there’s nothing they can do to keep those costs under control. That’s simply not true. Most carriers offer discounts to responsible business owners with proven track records of effective risk management and exposure mitigation.

PayneWest Insurance looks for these cost-saving opportunities and presents them to clients. In fact, we have an entire team dedicated to helping clients reduce risk and financial exposure through work safety plans, Return to Work programs, quality control measures, Internet security protocols and much more. We help clients get incredible value from our carriers. Risk management plays a significant role in making that happen.

Umbrella Excess Coverage

Businesses often purchase liability protection above and beyond their primary automobile, general liability, professional liability or workers’ compensation policies. That’s where umbrella policies come in to protect. These policies can cover exclusions in primary policies. But we never think you should buy more coverage than you need, so PayneWest works with clients to assess any additional areas of need and determine appropriate coverage levels. We then make recommendations based on a client’s overall insurance program and risk factors. We make sure our clients are properly insured, not over-insured.

Workers’ Compensation

Business owners say it all the time: “Our greatest asset is our people.” At PayneWest Insurance, we take that mantra seriously.

We work closely with clients to select the right provider for your company’s workers’ compensation insurance. But we don’t stop there. We assess our clients’ mod rates, arrange for safety audits, help set programs to reduce fraud and provide suggestions for improving the safety of their operations — often resulting in better rates.