Comprehensive Insurance Solutions
Tailored insurance protection for business-minded organizations.
Our mission is to build long-term relationships with our clients. We pride ourselves on providing exceptional customer service backed by years of industry experience. Our agency was founded on the core values of character and integrity, and we hold ourselves to a high standard of excellence. Our dedicated staff is here to service your current business protection needs, as well as those of the future. The insurance process can often seem overwhelming, but Wagley Agency Insurance Group is committed to making the process uncomplicated and enjoyable for its current and potential clients.
Real Estate
Apartments And Multi-Family
Multi-family and apartment building owners and managers often face unique challenges when it comes to insuring their properties appropriately. Each building has a varying set of needs based on its size, location, population, and construction. Wagley Agency Insurance Group will help you identify the required coverages for your property to make sure you and your tenants have the protection you need and the peace of mind you deserve.
Offices: Home to Commercial Buildings
Whether you own or manage a commercial office campus, a mid-rise building, or a modest home office, just one lawsuit or property mishap can potentially have a devastating financial and professional impact. Potential suits can arise from anywhere – whether from a tenant, a tenant’s employee, a delivery person, or a cleaner. Adequate property coverage is necessary to protect against the loss of your building and contents due to fire, theft, water damage, sewer backup, power outage, equipment breakdown, windstorm, etc.
Retail Shopping Centers
While increased foot traffic and sales mean more revenue for a shopping center owner, it also equates to additional exposure. Malls, strip malls, and shopping centers face multiple liability exposure factors from shoppers in and around the retail and parking facilities. Wagley Agency Insurance Group will analyze, identify, and address every possible hazard in our recommended solutions.
Real Estate Investor Insurance
Along with real estate investments, there are unique liabilities and factors to consider when insuring your property. Securing the right insurance coverage is vital to protecting that investment. Essential basic protections, as with standard landlord insurance, include personal liability and property damage, plus other considerations such as lost rent protection and covering unexpected vacancies while major repairs are being made.
Property Manager Insurance
To protect against risks that you face while managing a commercial property, general liability covers the costs of injuries and property damage. Errors and omissions (also called professional liability) cover issues relating to the decisions and actions you, as the property manager, make. Tenant discrimination insurance covers you against claims that you acted unlawfully in deciding to whom to rent your property. The insurance solutions and policies prepared by Wagley Agency Insurance Group, as a barrier of protection for your commercial property, are comprised of the following:
– Comprehensive understanding of your real estate portfolio and protection goals
– Proactive assessments of how your real estate holdings will evolve
– Commitment to balancing cost reduction and strategic protection
– Providing world-class consultative guidance and service
Home Healthcare
As home health care or hospice care providers, your employees and your clients need to be assured that the company has everything in place to protect them, as well as the business itself. We call providing the right insurance coverages caring for your clients and those who care for them. Having a staff that is confident that their employer is affording them complete protection allows them to feel empowered to do what they do best – provide exceptional care, emotional support, and companionship for your clients.
At Wagley Agency Insurance Group, we understand the liabilities and complexities of providing care to the ill and elderly. It is imperative that your business establishes a comprehensive insurance protection program. Partnering with us ensures that not only are your insurance needs met, but also that our agency will regularly check in with you to monitor your evolving business and make any necessary changes to ensure your continued protection.
Did You Know?
Whether you’re independently owned, franchised, or an agency experiencing mature or rapid growth in your business, Wagley Agency Insurance Group can help.
- Home healthcare / in-home healthcare
- Hospices
- Staffing agencies and registries
- Physical, speech, and occupation therapy services
- Behavioral health
- Social services
- ABA therapy services
Comprehensive And Tailor-Made Coverage.
The insurance solution prepared by Wagley Agency Insurance Group, as a barrier of protection for your business is comprised of the following:
- Comprehensive understanding of your healthcare business
- Proactive assessments of how your business is evolving
- Commitment to balancing cost-reduction and strategic protection
- Providing world-class consultative guidance and service
Our Specialty Lines Of Insurance
Our specialty lines of insurance products include, but are not limited to, the following:
- Workers’ Compensation Insurance
- General and Professional Liability
- Business / Owned Auto
- Non-owned and Hired Auto
- Sexual Abuse and Molestation
- Crime / Third Party Theft
- Employee Dishonesty Bond
- Employment Practice Liability
- Cyber and Identity Theft
- Property Coverage
Church
Wagley Agency Insurance Group provides customized insurance solutions for all faith-based organizations. We can insure single to multi-location institutions, including online and church planning organizations. The needs of each organization vary depending on the specific activities, ministries, and operations. Many churches and other faith organizations accept quotes from transaction-based insurance brokers who reactively generate solutions based on short-term thinking. At Wagley Agency Insurance Group, we are familiar with the nuances of faith-based organizations and can customize your coverage to meet your organization’s specific needs.
The insurance solution prepared by Wagley Agency Insurance Group as a barrier of protection for your organization is comprised of the following:
– A comprehensive understanding of the insurance needs of your faith-based organization
– Proactive assessments of how your organization is evolving
– Commitment to balancing cost reduction and strategic protection
– Providing unmatched consultations, guidance, and service
Types of Insurance Coverage
Here are a list of coverages that are available to your church or faith-based organization:
Property Insurance
There are two categories of property insurance for faith-based organizations:
- Building Coverage: This covers the church or synagogue buildings, stained glass, seating/pews, built-in musical instruments like an organ, and other covered property that is attached to the building.
- Contents Coverage: This covers computers, musical instruments and audio/visual equipment, chairs, office equipment and covered property that is not attached to the building.
*Additional covered property typically includes signage, retaining walls, lights, poles and more.
Liability Insurance
Wagley Agency Insurance Group provides comprehensive liability coverage for churches, synagogues and other faith-based organizations. This policy covers injury, professional liability, defense of a covered claim as well as accidents that may occur on church premises, or as a result of off-site ministry operations.
Our Liability coverage includes but is not limited to the following:
- Director and officer liability
- Employee benefits
- Employment practices liability
- Lessors risk
- Lost wages
- Medical coverage
- Mission trip coverage
- Parsonage Liability
- Pastoral counselling
- Product liability
- Special event coverage
Umbrella Insurance
The purpose of an umbrella insurance policy is to cover claims that may go beyond the coverage limits of your organization’s policies. Umbrella coverage, also known as “excess liability coverage,” is available from one to ten million dollars ($1,000,000 to $10,000,000).
Online Crime and Data Breach
From online donations to posting devotions on social media, Internet safety is becoming an important consideration for churches and other faith-based organizations that seek to help people grow in their faith, overcome limitations and adversity, as well as promoting the benefits of mission-driven efforts.
For some non-profit organizations, additional cyber coverage is the best way to complete their online defense. At Wagley Agency Insurance Group, we offer coverage options that protect your organization against a variety of potential issues that span from data breaches to embezzlement.
- Cyber liability
- Staff dishonesty/fidelity bond
- Forgery and alterations
- Computer fraud
- Money and securities
Worker Compensation
Workers’ Compensation insurance provides coverage for employees and volunteers in case of a work-related injury or incident while serving or volunteering on the premises or while actively performing ministry services. Workers’ compensation insurance is legally required by most states for any and all entities that hire employees. At Wagley Agency Insurance Group, we have expert knowledge of the various options that provide the most fitting solutions for your organization’s unique needs.
Auto/Vehicle
- Vehicle insurance includes auto coverage for organization-owned vehicles, hired auto services, and liability coverage for both staff and volunteer drivers.
Types of vehicles that can be covered by your auto insurance policy include:
- 12 and 15 passenger vans
- Church, school and tour buses
- Private passenger vehicles
- Commercial trucks
- Light service trucks
- Covered and utility trailers
Van Safety Training
- For drivers who don’t have a passenger endorsed California Driver’s License, Wagley Agency Insurance Group offers van-safety training videos and assessments so that all volunteers may participate in transportation ministries.
Claim Examples
These are examples of actual claims that were filed against faith-based organizations’ insurance policies:
General Liability
Following a religious service, a congregant tripped on a crack in the concrete sidewalk and tumbled down an outdoor flight of stairs, resulting in injuries including a concussion.
Property
A fire destroyed a church sanctuary and resulted in smoke and water damage to the building structure as well as contents of the administrative office. In addition to replacing fixtures, furnishings, equipment and inventory, the church needed to rent space for worship services until the sanctuary was rebuilt.
Employment Practices Liability
The director of children’s ministries was terminated and replaced by a younger Caucasian male, who she believed was being paid more than she was. She filed suit with the EEOC against the ministries, alleging racial discrimination, age discrimination, sex discrimination and pay discrimination.
Directors and Officers
A church elder breached his duty by leading a combative church split which ousted the remaining minority sized congregation from church property. The elder held secret meetings among his supporting faction and prepared legal documents to transfer the property, all without informing the church’s pastor of his plans. The court ruled that the elder owed a duty to the entire congregation and could not favor the interests of the majority over the ousted minority. As a result, the property was returned to the original congregation and monetary damages were assessed against the elder personally.
Equipment Breakdown
A cracked section of a cast iron boiler resulted in replacement of the boiler and $9,000 in property damage.
Abuse and Molestation
A Sunday school teacher was accused of sexually molesting a teenager after a bible study session. The teacher quickly denied the charges but was forced to step aside pending a church investigation. After a thorough inquiry, the alleged victim’s credibility crumbled when it was reported that she had a long history of inventing stories about herself and others. Moreover, parents and students who knew the teacher offered evidence that raised serious doubts that the molestations could have occurred. After an exhausting investigation, the teacher was eventually reinstated to his duties. The cost alone of defending allegation with no merit was significant.
Pastoral Professional
The wife of a married couple sought counseling services from their pastor due to being physically abused in the household. The victim was contemplating divorce and sought advice, but the pastor encouraged her to stay with her husband due to the sanctity of marriage and to seek couples counseling. As a result, the wife returned to the abusive relationship and was later hospitalized with severe injuries from her husband. She then sued the church and pastor stating that as a result of the counseling advice, she stayed in the unhealthy marriage that led to her injuries.
Directors and Officers
With its membership growing rapidly, a church’s board of directors appointed a new building committee to find land for a larger church. The board selected one of its members to head the committee. That Director steadily pressed the committee to approve purchase of a land parcel viewed by the other committee members as pricey, but otherwise perfect. After much discussion, the committee approved the purchase, and the transaction was completed. It was then discovered that the committee Chair had a financial interest in the property. Several congregants took action and named the committee Chair and the overall board in a lawsuit alleging improper self-dealing, negligence and fraudulent conduct.
Contractors
Wagley Agency Insurance Group understands the complexities, unique requirements and potentially high risks that come with operating a commercial contracting or carpentry business. As a construction services professional and business, you face serious risks every day. They include workplace safety risks as well as business continuity ones. Although you take every safety precaution, there are variables and circumstances that are simply out of your control. At Wagley Agency Insurance Group, we understand the areas of risk and the requirements needed to scale up for capacity expansion and the growth of your business.
The insurance solution prepared by Wagley Agency Insurance Group as a barrier of protection for your commercial contracting or carpentry business is comprised of the following:
- Comprehensive understanding of the needs and challenges of your contracting business
- Proactive assessments of how your evolving business
- Commitment to balancing cost-reduction and strategic protection
- Providing unmatched consultations, guidance, and service
Commercial Contractor / Carpentry Businesses
Our specializations for contractors and construction specialists, include the following:
General Liability Insurance
Workers' Compensation Insurance
Commercial Vehicle Insurance
Contractor Equipment Floater
Other Unique Coverages Or Umbrella Insurance, As Needed
Garage
Garage Keepers Insurance
Provides protection in case a vehicle is damaged by fire, theft, vandalism or collision.
Garage keepers’ insurance is a specialty insurance coverage designed to protect any business that owns and operates a garage from losses tied to the vehicles it services. This type of policy differs from a garage general liability policy, which covers property damage or bodily injury from an accident related to job operations.
What Does Garage Keepers Insurance Cover?
A standard garage keepers policy typically includes three primary types of coverage:
Legal Liability
Legal liability is a type of coverage that is most often included in garage keepers’ insurance policies. This protects customer vehicles following damages that result from carelessness by the insured party (your business). For instance, legal liability coverage would help pay for damages that occur after one of your employees tries to fix (or test drive) a client’s car. By law, this employee would be responsible or “liable” for the damage.
Direct Primary
Direct primary coverage protects customer vehicles regardless of who is at fault for damages. In the event of a loss not caused by the insured (e.g. losses due to theft or weather-related incidents), direct primary coverage will pay for said loss. Following incidents of theft, customers have no need to file claims and can rest assured that their vehicles are always protected.
Direct Excess
Direct excess coverage isn’t always offered in garage keepers’ insurance policies but can be extremely useful in some cases. Similar to direct primary, this coverage protects an insured party from losses to customer vehicles no matter who is liable. However, direct excess is different from direct primary coverage because if an insured isn’t responsible for a loss, it will pay for damages above the policy’s coverage limits. Direct excess is most helpful in cases where customer vehicles sustain severe damages due to unprecedented events. For instance, should a fire destroy both a customer’s truck and your automotive business and the former carries comprehensive coverage for his vehicle, direct excess may help pay for any damages above the limits of the customer’s policy.
Garage Liability
Garage liability insurance is a policy that covers bodily injury or property damage caused by an incident out of garage operations. The policy refers to the ownership, maintenance or use of locations for garage business operations. This kind of coverage also includes the ownership and use of the autos, as well as maintenance. This kind of insurance is helpful to car dealerships who are looking to cover all autos on their lots, including cars being worked on in their mechanical garages.
Garage Insurance
If your business sells, services, stores, or parks automobiles, your general liability insurance coverage may not be enough to protect you from lawsuits. Car dealerships, body repair shops, and gas stations are specialty businesses with special insurance needs. By combining parts of a commercial general liability policy with parts of a business auto policy, garage insurance guards against the unique risks associated with your automotive business including claims for injuries, mistakes, or property damage resulting from work you have done or unknowingly defective parts that you may have installed.
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