Why Calhoun Insurance Agency: Commerical Accounts

Financial Stability - In the business for over 101 years, and with consistently strong carriers with great financial ratings, you can feel confident knowing that we will be there to chaperone the protection of your business in the event of a loss.  Calhoun does not represent carriers with less than an A.M.Best "A" rating without highlighting to clients the difference.  We do not carry below a "B+" in any circumstance, and we strongly encourage you to limit your considerations to carriers with local representation and a United States based headquarters.  Further, we strongly encourage you to choose admitted carriers who are subject to our states' department of commerce regulation, as well as supported by individual states' Guarantee Funds.

Local Decision-Making Authority - Our agents engage with our clients in a direct relationship.  When we know our clients, we can utilize our binding authority efficiently and wisely.  Calhoun agents have the expertise, flexibility and authority to quickly respond to business owners' individual needs.  Sometimes, an agent recognizest that a client is better served by choosing a carrier outside of our binding authority.  While it takes more time to write insurance in this manner, the dedication necessary to begin a new insurance policy ensures that it will perform in the manner that we all intend it to after a claim.

Dedicated Team - Our experienced team includes underwriters, risk control consultants and claim professionals all dedicated exclusively to serving mid-size business customers.  Calhoun agents coordinate the efforts of many parties in order to place and "use" insurance.  A new client requires the services of a "rater", a loss control team, an underwriter, an auditor, a billing department, a claims adjustor, to name just a few.  Coordinating the efforts doesn't mean that the agent is authorized to supervise or manage or influence the decisions of the other team members; it is the agents' job to evaluate the roles of each of the team to make sure that the group will best respond to the client in the event of a need.

Fast and Efficient Claim Service - Calhoun agents know their clients.  Many clients feel comfortable calling an agent at home after-hours.  For those that don't, our phone system ensures our availability.  They are available 24 hours a day, 365 days a year.  Often, a client needs assurance regarding when the next step will take place-and often things can wait until the next business day.  In the event that something can't wait, Calhoun agents can reach claims adjustors every day of the year.

Risk Control - Calhoun consults the loss control services of the best regional carriers as well as the strongest national carriers to consider the best resources for your business.  West Bend Mutual, SFM, and Travelers offer great employment practice liability information.  Hartford, Travelers and Chubb illustrate coverage needs for technology risks that we can all understand.  Selective, Allied, and Western National offer fantastic on-site safety services to manufacturers, distributors, and food production businesses. 

Worldwide International Coverage and Service - covering international exposures worldwide, we can offer both Property and Liability coverage including Kidnap & Ransom, Accidental Death & Dismemberment and Medical Evacuation.