“DO IT ONCE! - DO IT RIGHT!”

“Buying insurance is not the only way to address a potential exposure…”

Three of the more typical approaches to dealing with a firm’s exposure to risk are as follows:

• Risk Transfer; for example, contractually obligating another party to assume or insure a specific part of an exposure.
• Self Insurance; by assuming a larger portion of the less severe but more frequent losses.
• Buying Insurance; the traditional method, but it is critical that your needs be carefully assessed here as it is very easy to be insurance rich or poor……both situations always cost you money…….sometimes your business.

“Advisor’s Role”

From new locations to a change in product or services to the outright purchase of another company. There is literally no move that a firm makes through its growth & evolution that does not come with an insurance implication. Ask us, we’re here!
Unlike many brokerages, no insurance company controls or owns, in whole or in part, any aspect of Hubbard Insurance Brokers Inc. We are proud to be 100% family owned, operated and controlled.
 

The Advising Role

Consulting has long been a role that our office has played for our clients since our inception. It is the vital role we feel is necessary for any company to be successful. In the same way as a firm must have tax, accounting and legal resources at their management teams disposal, so too is a professional insurance resource.
 

The Hubbard Difference

• We take pride in being able to address any insurance requirement our clients may have, large or small, no matter how complicated.
• We act as the Risk Management team for many individuals & companies that are not large enough to have their own in house staff.
• We keep in mind that any insurance programme can only work effectively if it is designed specifically for you.
• We also feel that a good broker should be consulted with in the same manner as your accountant or lawyer on important issues.
• We have over 40 years of brokering & consulting experience working with all types of insurance business!
• We know corporate insurance needs; our staff have worked extensively with many industries, and know what type of coverage is required.