Commercial Insurance Support and Services

Did you know that if you have one or more employees, workers' compensation is required by statute in all but 1 state (TX)?  

This is our favorite line of coverage because it's one of the few "controllable" insurance costs. There are many factors that affect pricing, much of which you can help minimize with the combination of an experienced & dedicated broker and a strong safety culture. 

We work with clients to understand the importance of their Experience Modification Factor (aka EMOD or EMR) and the pricing implications of a swing.

We train and support clients on the certified Cost Containment program, which helps in the overall safety culture while providing a nice discount. Ask us about participation in a "Cost Containment Concierge" program.

Secondary Dividends! Would you like to be financially rewarded for your great performance in low claims dollars? Put your money back into your business where it belongs with secondary dividends of up to 26.4% back into your pocket. What will you do with your check?

Additional support services and resources in clients' safety programs, nurse triage, human resources, and return to work assistance. Ask about our Safety Platform.

Whether you'd like to benchmark your current program, explore competing quotes, or get a complimentary review for missed savings or dividend programs, we're here for YOU.

We have vast carrier access, proven cost reduction programs, samples galore and analytics to boot.   

Schedule a no-pressure meeting or fill out the intake form and we'll get to work.

Are you a commercial real estate investor looking for the best coverage on your properties, or a CRE broker wanting to make sure your clients are in the careful and confident hands of a commercial focused insurance professional?

Before getting into the insurance industry in 2011, the owner of Ascent was in finance,  working in commercial real estate capital.  Don't tell her you know how old she is now.....

Ascent Insurance Solutions has markets for most types of commercial property, even many hard to place buildings.  

We value clear and transparent communication, particularly when it comes to coverages, limits, replacement costs, and deductibles, while striving to keep costs competitive.

If you own retail buildings, apartment complexes, warehouses, mixed use developments, restaurants, or any other piece of commercial property we'd love to help.  

Likewise, if you're an expanding business owner who has grown out of your lease, wanting to reduce some of the real estate overhead by leasing out excess space, let's talk. Not only can we help guide you in what  affects pricing, but we can also connect you with experienced commercial real estate brokers if you don't already have representation.  Don't worry, we don't get kickbacks for referrals.

Does your organization have adequate protection for your multiple exposures?  Have you had coverage reviewed for limit adequacy and coverage gaps?

We have market access to an array of full business packages that may be modified to fit the needs of businesses of all sizes. 

For example:

Let's talk about your employment practices, cyber liability, professional liability, employee benefits liability, and many other coverages often found missing.

Packages may be custom built for your business and additional risk exposures you may have.

We often find basic policies that were bought online with no guidance, bought from agents that primarily focus on personal lines with limited familiarity on commercial insurance, or through call centers with no guidance or support.  

Some clients really like their carriers but just want an actual agent to provide them support or fill coverage gaps.

In these cases, we work with many major insurance companies and can easily take over representation of the existing policies.  But let's not get ahead of ourselves.  Let's have a brief "getting to know you" meeting before we go down that path. 

If you already have coverage in place, we can start with a policy review to determine coverage adequacy and marketability.  

Does your organization own a fleet of commercial vehicles, even a small fleet?

Do your owners, officers, or employees drive their personal vehicles on the job?

Do you rent vehicles while traveling for business?

From passenger cars to big-rigs, and everything in between, we can help.

Whether a standalone commercial auto policy or as part of your commercial package, Ascent has access to many carriers and markets for all transportation risks.  

We even have a safety division in house for fleet safety training needs. The department head has been OTR for 30+ years, has 3.8 million miles under his CDL, and is about as fanatical about safety as we are about insurance.  

Are you a contractor who has trouble getting COI's to get on your jobsites or get paid for your work?

Did you buy your own insurance online and wonder if you and your assets are actually covered for what you do?  

If you like the self-driven method or want to self price online, we have those options available, but as they say, "the devil's in the details" when it comes to coverage.

We can tailor a package to meet your specific needs to include your general liability, contractors professional liability, tools or equipment, pollution, and any auto exposures you have.  

Don't forget to select workers' compensation too if you have any employees.

Did you know that our specialty is in working with public entities, such as schools, municipalities, and fire districts?

The owner of Ascent was an underwriter in governmental risk pooling (CSDSIP & CIRSA) for almost 9 years before joining the private sector in 2019.  Working for a high turnover insurance brokerage which seemed to focus solely on "the close," she knew there was a better way to merge the client care and support she held dearly from risk pooling with the savings opportunity found in the open markets.  

Ascent was launched in March of 2021 and we've had great success in a steady build-out while helping entities of all sizes and types with their specialty insurance risks!