Business - Daly-Merritt, Inc.

Knowing the ins and outs of Property Insurance coverages can save you money on your premium and at the time of a loss. A thorough review and understanding of your exposures through a trained eye is critically important to the financial well being of your company. Daly-Merritt will provide the review and analysis of your company exposures and structure your property program regardless if you have a Main Street type business, or if your business offers a peculiar twist to the insurance industry. We have clients who carry Property Insurance limits from $50,000 to in excess of $100,000,000. We have many markets that specialize in Property and Equipment coverages, and we welcome your challenge.

BUILDING/CONTENTS/EQUIPMENT
LIABILITY / ALL FORMS
Regardless of the size of your company, you have tremendous exposures to law suits from third parties. Structuring your Liability Insurance to adequately fend off these attacks is extremely important. Liability Insurance policies are not all the same. Combine that with the complicated contracts other businesses want you to sign and it can make your head spin.

Daly-Merritt agents have a thorough understanding of "claims made" and "occurrence" liability forms, and can help build a program to fit your particular needs. We also have numerous Umbrella carriers that we can use to structure limits to $25,000,000 or more, depending on the size of your company and what limits make you feel comfortable. Call us so that we can help you.

BUSINESS AUTO
Insurance for Fleets is a business all its own. On a large heavy fleet, State and Federal filings can be a nightmare if not handled correctly; anyone who has ever had a filing terminated in error will attest to that. Not only is Fleet coverage very complicated, but the market of insurance companies that will write Commercial Fleets competitively is quite limited. We know these markets and have maintained a large customer base for over ten years. People come back for a reason: Competitiveness, Competency, and Service. Please call us to discuss the program that we can provide for your operation.

TRUCKING
Daly-Merritt has a rich heritage in providing professional packages for Commercial Trucking. From owner/operators to entire commercial trucking fleets, our insurance markets are hungry for these important lines of coverage

WORKERS' COMPENSATION
Worker's Compensation: Everyone's Nightmare? It doesn't have to be. We have access to the Worker's Compensation rates for virtually every insurance company who sells Worker's Compensation in the State, so we know in an instant who's competitive and who isn't for your type of business.

Worker's Compensation premiums are a process. They fluctuate based on claims experience. We can help you implement procedures that normally reduce both the number as well as the severity of your claims. In addition, when claims do occur, the overall cost of the claim can be reduced. This means lower premiums to you in the long run, and happier employees! Please call Daly-Merritt so we can help put your Worker's Compensation program on track.

BONDS
Almost every business has a need for bonds that dovetail with their insurance portfolio. These can range from Employee Dishonesty and Employee Benefit Bonds, to Contractor Surety Bonds. Our insurance carriers allow us to write most of these Bonds in-house, once approval is received. In most cases, this allows us to round out your insurance portfolio without your having to deal with another outside party. Call us to see if we can help.

ALL GROUP BENEFITS
Daly-Merritt's extensive group benefits review includes Group Medical Insurance (traditional, HMO, PPO, POS, etc.); Dental; Vision; Life and AD&D; Short Term Disability; Long Term Disability; Communications material for recruiting new hires and for communicating plan options; Long Term Care; World Wide Travel Assistance; Group Universal Life; Voluntary Products (including employee-pay-all Life Insurance, Short Term Disability, Long Term Disability, Accidental Death and Dismemberment, Dental, Vision, Disability, Cancer, Legal, IRA's, Homeowners, Auto, Boat, Renters, etc.); and Section 125 Cafeteria Plans.

With our multiple market approach and consolidated planning process, Daly-Merritt delivers substantial value in this area to our business owner clients. Or, for immediate service on your existing Blue Cross or Blue Care Network group benefits plan (guaranteed not to affect your rates), simply click below and follow instructions.

401(k) / KEY PERSON LIFE
Group Executive Life Carve-Out; Retirement Plans (Pension, Defined Benefits, Defined Contribution; 401(k), Simple IRA, IRA, 403(b); 457; etc.); "Golden Handcuff" Plans for business owners, key executives, and key employees; Corporate Key Person Life and Disability Insurance (Corporation as beneficiary); Buy-Sell Agreement Funding (Life and Disability); Business Owners Family Protection (Life and Disability); Business Owner's Estate Preservation (Individual and/or Survivorship Life); Business Owner's Personal Insurance and Estate Planning.

AUTO/EQUIPMENT LEASING
As a referral from Daly Merritt, Inc., you can gain access to a leasing program through CFC Investment Company (CFC-I), an affiliated company of the highly rated Cincinnati Insurance Companies group. We can provide flexible terms for leases to finance automobiles and equipment in the commercial, industrial or medical area:

Manufacturing: machine tools, production machines, etc.
Commercial: conveyors, lift trucks, freezers, warehousing equipment, shelving
Office: desks, copiers, cabinets, word processing, telephone systems, etc.
Computers: main frame, peripherals, mini (software can be included)
Health and medical: diagnostic equipment, x-ray equipment, etc.
Construction: heavy machinery--bulldozers, loaders, and cranes
Printing: duplications, presses, etc.

If you are contemplating the purchase of new or used equipment, leasing is an option you should consider. We are very pleased to offer this service to our business insurance clients as well as other members of our internet business community.