Who needs

Business Insurance

All businesses, especially those in the high-risk spaces of construction, general contracting, beauty, and wellness and tech need business insurance.  Business insurance typically has higher liability limits and as such, helps cover the costs associated with property damage and liability claims. Operating without business insurance puts your company in the precarious position of one accident or law suit destroying everything.

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Types of Insurance in which we specialize:

Construction Insurance

Construction insurance covers everything from goods in transit to commercial general liability and commercial auto, to name a few. At Competitive Edge, we place construction insurance with the carrier who can cover a client for all eventualities at a rate that is reasonable and based on the client’s true risk, not just the number of “Shock Losses” they have endured.

Health & Wellness Insurance

Beauty and wellness insurance is more comprehensive than simple cosmetology insurance (though that is a part of the coverage) Beauty and wellness insurance is general liability insurance with specific coverages for spas, cosmetologists, fitness centers and therapy centers. With a focus on the Beauty and wellness industry we are able to correctly place your coverage with the carrier who understands your industry and the steps you take to avoid risk in your business, getting you the lowest rates with the best coverage.

Health & Wellness Insurance

Beauty and wellness insurance is more comprehensive than simple cosmetology insurance (though that is a part of the coverage) Beauty and wellness insurance is general liability insurance with specific coverages for spas, cosmetologists, fitness centers and therapy centers. With a focus on the Beauty and wellness industry we are able to correctly place your coverage with the carrier who understands your industry and the steps you take to avoid risk in your business, getting you the lowest rates with the best coverage.

Cyber Liability Insurance

Cyber liability coverage addresses a range of scenarios involving phishing, physical computer loss or destruction, hacking, malware, and ransomware. With cyber liability coverage your claims of loss of business, data recovery and more can be covered. Our team performs in-depth analysis not only of your company’s needs and risks but of the offerings from each of the carriers to correctly match your plan to the right carrier.  When claims arise, your dedicated agent is right there to walk you through the process 1:1.

Surety Bonding

Sometimes a bond is required for a business to begin operating, and sometimes owners purchase them independently. Surety bonds are a business’s way of reassuring customers that they stand behind their promises—and if they don’t, consumers will be protected. If a business breaks its promises to its customers and they suffer financial loss, the bond can provide reimbursement.

Surety Bonding

Sometimes a bond is required for a business to begin operating, and sometimes owners purchase them independently. Surety bonds are a business’s way of reassuring customers that they stand behind their promises—and if they don’t, consumers will be protected. If a business breaks its promises to its customers and they suffer financial loss, the bond can provide reimbursement.

General Business Insurance

Business insurance coverage protects businesses from losses due to events that may occur during the normal course of business. There are many types of insurance for businesses including coverage for property damage, legal liability and employee-related risks

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