• 100+ years of experience – One company, family owned since 1920 provides us with a century of institutional knowledge and insight to work thoroughly and effectively as your trusted advisor 
• Franchise experience from coast to coast – We know the franchise world. No matter where you are, we are familiar with the needs of your franchise.  
• Wells Risk Assessment – Helps you identify areas of opportunity to focus on to shore up your potential risk exposures. 
• Tailor-made coverage for complex risks – No matter how simple or complex your business is, Wells can work with you to craft a solid plan customized for your business needs 
• In-House Claims Management – our Claims team is some of the best in the business. When claims happen, you can feel confident our team will advocate for you every step of the way. 
• Risk and Safety Database – Our clients receive tools and informational access to keep you informed on industry safety information, tools to assist with OSHA recording and Compliance and much more to bring in a safety culture to your business, ultimately reducing incidents and your costs. 
• Direct access to best-in-class selection of carriers specializing in your industry rated A- or better by AM Best– This gives you the power of choice to select the best option for your business needs, with the confidence that your carrier has the backing to be there for you for the long haul.  
• Valued Long-term Relationships – When a tough claim happens, we lean on the personal relationships we’ve built with our carriers over a century to help facilitate the best outcome possible for you. 

Workers Compensation  

This insurance helps protect your business if an employee is injured on the job. It can cover medical costs, legal fees, and lost wages due to the injury. 

Commercial Auto Insurance 

If your company owns or leases vehicles, this policy protects the vehicles and drivers from damage incurred during the course of business.  

Commercial General Liability  

This policy covers your business for damages and legal costs associated with damage caused to other people’s property caused by your services. Building managers, Landlords, and General Contractors will often require proof or certificates of insurance showing that you have this coverage. 

 Crime/Employee Dishonesty/3rd Party Coverage 

Commercial Crime Insurance helps protect from significant losses cause by internal employees or third parties. It provides coverage for loss of money and assets against theft, burglary, or fraud. First-party coverage protects your business from its own losses that occurred as a result of criminal activity. Third party coverage protects your business if your customer claims there was a criminal act on behalf of your services or theft by one of your own employees.  

EPLI 

Employment Practices Liability Insurance provides coverage for claims made by your employees for wrongful termination, workplace harassment, and discrimination (based on age, race, sex, disability).  

Cyber Liability 

This coverage helps cover both first and third-party financial losses related to system hacks or data security breaches in which sensitive information has been stolen and fraud has occurred. 

Pollution/Environmental Impairment Liability 

Specialized insurance that can cover liability and cleanup cost associated with pollution or remediation.  

Professional Liability 

Also referred to as Errors & Omissions, Professional Liability extends protection for your business when damage is caused due to a mistake or negligence.   

Umbrella 

Every policy has its limits. Excess Liability or Umbrella insurance adds another layer of protection over and above your other lines liability coverage: it can cover costs that exceed the limit of another policy, subject to its own limit.