Properties and Casualties

Workers’ Compensation

Workers’ compensation from PGM can be customized to provide wage replacement and medical benefits to employees who were injured in the course of their employment.

Most states require employers to carry workers’ compensation policies for regular, seasonal, and temporary workers. Combined with education about safe work practices and proper training, these policies ensure that a business and its employees are covered in case of an accident.

We suggest enhancing your existing voluntary benefits package by offering voluntary coverages to offset workers’ compensation costs. This will not only sharpen your competitive edge when attracting, engaging, and retaining top-notch employees, but studies show voluntary coverage could also reduce workers’ compensation claims and employee absenteeism.

Voluntary benefits are insurance products offered through a company but are paid partially or solely by employees on a payroll-deducted basis. Voluntary benefits products include wellness programs, tuition savings, life insurance, and many more.

Liability Insurance

Business scenarios can vary, yet no matter the industry, everyone has a goal they are looking to achieve, all with their own unique set of challenges, risks, and exposures standing in the way.

PGM has worked with hundreds of clients in various industries, sectors, and markets. We provide customized risk management and insurance programs for all types of commercial entities ranging from service companies, manufacturers, agribusiness and everything in between.

Protect your business with commercial general liability coverage from the PGM team. Policies offer additional coverage to protect your business’ strength and longevity while providing peace of mind.

Accidents happen. Commercial general liability coverage can be written to ensure that physical injury or property damage resulting from your business’ operations or actions of your employees don’t shut your doors. Similar claims regarding financial damage caused by an employee’s decision are covered under an errors and omissions policy.

Individual Life / Key Man Insurance

If you have people who depend on you for financial support, it’s important to make an educated decision about life insurance options with help from PGM.

We provide individual life insurance policies as well as group life. Our knowledgeable team can provide one-on-one assessments to determine the most appropriate coverage for your stage in life and goals. We want you to have confidence that your loved ones will be provided for long after your death.

As part of the nationwide Acrisure network, we have access to an array of policies and carriers, enabling us to research coverage options for specialized and high-risk individuals as well as more straight forward lines.

Life insurance isn’t a fun thing to think about and it may seem like an unnecessary expense. The purpose of life insurance is really about protecting those who depend on you financially in case something happens to you. Your designated beneficiary would collect a financial benefit upon your death.

Auto

For some, their car is more than a way of getting to their destination; it serves as an extension of themselves.

PGM evaluates all your vehicles’ factors and makes recommendations based on your financial protection, car value, and cost considerations. We can also make recommendations on how the usage of your cars can impact your liabilities and adjust coverages as needed.

Auto insurance from PGM provides confidence that you and your vehicle will be covered in case of an accident, damage, or theft.

Sharing standard features of our commercial auto offerings, these policies can be specified to include collision, comprehensive, rental reimbursement, towing, and uninsured and underinsured motorists.