Products

Because Wagley Insurance Agency is an independent broker and do business with many top-rated insurance carriers, we create tailored insurance plans specifically for your business or organization to protect you in all of your areas of business and personal, while saving you money.

Wagley Agency Insurance Group is the best choice for innovative, business-minded professionals who are responsible for the protection and continuity of a business, non-profit, or faith-based organization. We’re the ideal choice for those who understand the value of having an engaged insurance partner that is committed to your business and its evolving needs.

Schedule an appointment

Workers Comp

IT’S THE LAW, BUT

Workers compensation insurance is often mandatory for many businesses if they have employees, no matter what the job requires. It covers medical costs and a portion of lost wages for employees who become injured or ill on the job. Workers compensation is like an airbag for your business. When trouble strikes, it deploys to help your employee get back to work as fast as possible, minimizing the damage to your business.

It’s a good thing for you and your employees.

If that sounds like a luxury to you, keep in mind, it’s probably a good thing for your business. Imagine having to pay for a slip-and-fall accident out of your business checking account. Workers comp insurance may also protect you from being sued by employees for workplace conditions, when a court finds your company liable in causing an injury or illness to your employees.

What If It's Employee Negligence?

Under normal circumstances, fault does not matter in a workers compensation claim. And each state has its own workers compensation system, which is a mandated program to compensate employees who are injured in a workplace accident or rendered ill because of the job. It’s designed to ensure payment by employers for some part of the cost of injuries, or in some cases, of occupational diseases, contracted by employees in the course of their work.

Workers Compensation Basics

Since workers comp insurance typically only covers injuries or illnesses when they occur as a result of duties performed on the job or while at work, the scope of the coverage of the policy is limited to duties performed by employees. Injuries that may be covered by workers comp insurance include lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury, due to fires or explosions.

Workers Comp Insurance May Cover

Workers Compensation Insurance may cover:

Medical bills for employees hurt or sickened at work
Ongoing care, including rehabilitation
Wages missed while recovering
Employee lawsuits over injuries
Funeral expenses, if an employee is killed on the job
Death benefits to support the deceased’s family

It does not cover:

Third-party lawsuits
Lawsuits over professional errors
Wages for a replacement worker
Parental leave benefits
OSHA penalties

Worried About The Cost?

We specialize in covering local businesses like yours. We have everything you need right here, including:

Monthly payment options
Temporary staff coverage
Claims responsiveness
Tailored coverage
Knowledgeable agents
Coverage for contracts

Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you. After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

What is Workers Compensation Insurance?

Employers are legally obligated to take reasonable care to assure that their workplaces are safe. Nevertheless, accidents happen. When they do, workers compensation insurance provides coverage. Workers compensation insurance serves two purposes: It assures that injured workers get medical care and compensation for a portion of the income they lose while they are unable to return to work and it usually protects employers from lawsuits by workers injured while working. Workers receive benefits regardless of who was at fault in the accident. If a worker is killed while working, workers comp (as it is often abbreviated) provides death benefits for the worker’s dependents.

What Injuries are Covered?

If that sounds like a luxury to you, keep in mind, it’s probably a good thing for your business. Imagine having to pay for a slip-and-fall accident out of your business checking account. Workers comp insurance may also protect you from being sued by employees for workplace conditions, when a court finds your company liable in causing an injury or illness to your employees.

Coverage That Safeguards You Against Unforeseen Events

Even in the most well-run business enterprises, workers get injured – it’s just a fact of business life. Workers’ Compensation insurance provides coverage for medical expenses, lost wages, vocational rehabilitation, and death benefits when employees are injured, disabled or made ill as a result of work duties conducted on behalf of their employer.



Help Prevent Potential Loss



Return Injured Workers To Wellness And Productivity



Manage Cost

Flood Insurance

One of the most overlooked and devastating risks to your business and the continuity of your organization is flooding. Did you know that many cases of flooding including instances of broken pipes, backed-up sewers, and water intrusions are not covered under most business insurance policies? Since flood insurance is often overlooked by businesses and organizations, it’s not surprising that damage to computer servers, cabling and wiring, electronics, and other property such as furniture, physical and digital files must be replaced out-of-pocket by the business. An unexpected, uncovered flooding event can be detrimental to an organization – not just the cost to replace physical property, but the long-term effort to recover data, reconfigure digital and physical infrastructure and to recover financially.

Did you know?

Most property insurance policies don’t cover flooding.
The National Flood Insurance Program (NFIP) issues flood insurance policies that cover your business or organization.
A separate flood insurance policy protects you from flood damage

Wagley Agency Insurance Group provides customized insurance solutions that include recommendations for policies that cover the unexpected.

Risk Rating 2.0: In October of 2021, the National Flood Insurance Program (NFIP), managed by FEMA, rolled out a new risk rating system for all flood insurance policies. This includes new pricing methodology which uses technology and general rebuilding information to deliver rates that are intended to be more accurately sound, equitable, and easier to understand. Wagley Agency Insurance Group works closely with clients to make sure they are informed of these changes and address any questions about how they might affect them. Private Flood Markets: In addition to the NFIP flood policies, we can also offer you private flood insurance, which may be more affordable. Private flood insurance companies do not use any of the same rating factors as NFIP, so these separate rates could be very beneficial to our clients. Give us the opportunity to check our companies to see if you qualify for a preferred rate in the private market.

The insurance solution prepared by Wagley Agency Insurance Group as a barrier of protection for your manufacturing business is comprised of the following:

Comprehensive understanding of the needs and challenges of your business
Proactive assessments of how your evolving business
Commitment to balancing cost-reduction and strategic protection
Providing unmatched consultations, guidance, and service

Business And Commercial Insurance

We Keep You Focused On Your Business

Choosing the right commercial insurance plan for your business is essential. And yet, too many insurance providers approach a request for proposal from their clients in a cookie-cutter fashion, without gaining a deeper understanding your business and organization.

At Wagley Agency Insurance Group, our business is thinking about yours, and based on an understanding of your organization’s needs, we make insurance recommendations for your organization that are comprised of the following:

Time and resources are precious – and whether it’s evaluating the insurance options that are most appropriate for your business, navigating a post-claim recover, planning for changes, or protecting your organization in the future, Wagley Agency Insurance Group is the insurance partner you want.

The insurance solution prepared by Wagley Agency Insurance Group, as a barrier of protection for your organization is comprised of the following:

Comprehensive understanding of your organization
Proactive assessments of how your business or organization is evolving
Commitment to balancing cost-reduction and strategic protection
Providing world-class consultative guidance and service

Types of Insurance Coverage

General & Professional Liability

General Liability

Also known as business liability insurance, this coverage can protect you from a variety of claims including bodily injury, property damage, personal injury as well as others that can arise from your business operations.

Professional Liability

This type of business insurance provides coverage for professionals and businesses to protect against claims of negligence from clients or customers. Professional liability insurance typically covers negligence, copyright infringement, personal injury, and more.

Commercial Automobile Coverage

This business insurance provides commercial auto coverage for your business vehicles and/or fleet. Some coverages available are:

Combined single limit liability or split limit liability (e.g. 100K or 100/300/100K): Protects your business if you are liable for an accident.
Medical payment coverage: Pays up to your coverage amounts to help pay for medical expenses incurred due to an at-fault or non at-fault accident.
Comprehensive: Covers damages to your vehicle that are not related to a collision such as theft, vandalism, glass breakage, fire, etc.
Collision: Covers damages to your vehicle if you are involved in a collision with another vehicle or object.
Uninsured Motorist: Pays for your medical bills, pain & suffering, and loss of wages if you are in an accident with someone that is uninsured or underinsured.
Emergency Roadside Service (when applicable to the company). Pays for services or reimbursement for towing and labor (if the company provides coverage)
Rental Reimbursement (when applicable to the company): Pays for a rental vehicle up to the specified limit you select (if the company provides coverage)

Hired and Non-Owned Auto Liability

“Hired auto” refers to any vehicle you lease, hire, borrow or rent on behalf of the company. Non-Owned Automobile Liability coverage applies in cases when employees drive their own vehicles for business on behalf of their employer. Non-Owned Automobile Liability refers to autos the business does not own, lease or hire.

Commercial Property Coverage

This is insurance coverage that covers your company’s physical property, such as:
- Building coverage
- Business personal property
- Outdoor signage
- Glass coverage
- Business income

Commercial Umbrella/Excess Liability

This extra layer of liability protection by covering costs that go beyond your other liability coverage limits. In other words, commercial umbrella insurance complements your other liability coverages by taking over when your other liability coverage limits have been exhausted.

Employment Practices Liability (EPLI)

Employment Practices Liability insurance includes coverage for defense costs and damages related to various employment-related claims including allegations of wrongful termination, discrimination, workplace harassment and retaliation. If you have employees in your business, this coverage is a must.

Directors and Officers (D&O)

Directors and Officers liability insurance is insurance coverage intended to protect individuals from personal losses if they are sued as a result of serving as a director or an officer of a business or other type of organization. It can also cover the legal fees and other costs the organization may incur as a result of defending the organization against a lawsuit.

Cyber Liability & Crime Coverage

Cyber Liability

This coverage is an insurance policy that provides businesses with a combination of coverage options to help protect the company from data breaches and other cyber security issues. It’s not a question of if your organization will suffer a breach, but when.

Crime Coverage

This is a form of risk management that protects a business from the loss of property, money, or merchandise business-related crimes may cause.

Inland Marine (Equipment Floater)

This coverage protects your business property when it is in transit or stored at a site other than your primary business location. Many inland marine coverage forms provide coverage without regard to the location of the covered property; these are sometimes called “floater” policies.

Worker Compensation

These lines of coverage provide medical and wage benefits to employees who are injured or become ill at work. This coverage is mandated by each state and the wage and medical benefits vary by state.

Surety Bonds

A contract between three parties—the principal (you), the surety (us) and the obligee (the entity requiring the bond)—in which the surety financially guarantees to an obligee that the principal will act in accordance with the terms established by the bond. Some examples are:

Bid Bonds
Notary Bonds
Fidelity Bonds
License and Permit Bonds

No matter the size of your business, having the proper insurance coverage is crucial. Allow us to audit your current policies and evaluate your coverage. Our agents have extensive knowledge of all markets to get you the best coverage at the lowest price!

Personal Protection Insurance

Covering the things, places and spaces that you’ve worked hard to secure.

Automobile and Vehicle

Liability
Underinsured and uninsured motorist coverage
Coverage of medical payments
Coverage for collisions
Comprehensive coverage
Roadside assistance
Reimbursement of rentals
Accident and minor vehicle forgiveness
Optional diminishing deductibles
Insurance for customized vehicles
Mexican auto insurance
GAP insurance
Coverage for UBER and LYFT drivers

Home

Replacement cost – based on current construction costs
Personal property – the contents of your home and shed/outbuilding
Liability
Additional living expenses
Scheduled items – jewelry, guns, silverware, furs, etc.

ATV/Motorcycle

Liability: bodily injury and property damage
Collision
Comprehensive
Medical payments

Boat

Bass boats
Aluminum fishing boats
Pontoons
Runabouts
Sailboats
Catamarans
Air boats
Utility boats
Homemade boats
Jet-skis
Wave runners

Classic/Antique Car

Antique and classic cars
Hotrods and modified vehicles
Exotic and luxury vehicles
Muscle cars
Classic trucks
Vintage military vehicles

Farm & Ranch

Farm owners policy
Farm equipment insurance
Farm structures insurance
Farm auto insurance

Condo

Your own insurance policy:
A master policy provided by the condo board

Flood

The federal government operates the National Flood Insurance Program (NFIP), which issues flood insurance policies. Even if you have homeowners, renters, condo, landlord, mobile home, or business insurance, you may need to purchase a separate flood insurance policy to be protected from flood damage.

Landlord

Your standard landlord policy offers protection for your home and other permanent structures on your property. Also called a dwelling fire policy, it is like a homeowners insurance policy. A person who owns a house but leases it to someone else would have a dwelling fire policy to protect the residence. Dwelling fire policies are different to a homeowner’s policy because if the renter-landlord business relationship.

Mobile/Manufactured Home

Rental mobile/manufactured homes
Commercial mobile/manufactured homes
Mobile/manufactured homes used seasonally
Mobile/manufactured homes located in a park or on private property
Replacement cost or actual cash value
Personal property
Liability
Additional living expenses
Scheduled items – jewelry, guns, silverware, furs, etc.

Short Term Rental

Cover your property and liability exposure while your home is being rented through short-term leases such as AirBNB or VRBO. For example, if a paying guest injures themselves and sues you, your short-term rental insurance’s liability coverage will help protect you financially.

RV/Motorhome/Travel Trailer

Collisions and medical costs
Protection while camping on-site

Renters

Coverage for personal possessions
Liability protection
Additional living expenses

Umbrella

Coverage for exposure that is above and beyond other policies

The insurance solutions and policies prepared by Wagley Agency Insurance Group, as a barrier of protection for you personally are comprised of the following:

Comprehensive understanding of your lifestyle and protection goals
Proactive assessments of how your personal life will evolve
Commitment to balancing cost-reduction and strategic protection
Providing world-class consultative guidance and service