Workers’ compensation is vital to your business. When accidents happen, we will be there every step of the way. We represent a vast number of carriers and will work with you to navigate the workers’ compensation marketplace and find the best solution. Our programs include claims management, case file reviews, investigative services, medical benefits, and rehabilitation treatments. Our professionals will also help with: legislative changes, auditing your experience modifications, and much more.

Our team will also conduct a review of your safety programs. We will ensure you are up to par with all rules and regulations, including OSHA standards, and provide feedback. Mercado Insurance provides you with the best insurance solutions for a safer, more confident, and productive workplace for your employees. Our clients also experience an increase in employee loyalty, retention, and morale.

Professionals who provide services in their area of expertise open themselves up to risk that goes beyond general liability exposure.  Claims can vary from allegations of incorrect advice to failure to perform and can lead to lawsuits.  Professional Liability, also known as Errors & Omissions (E&O), can give you the peace of mind that you are covered in case of such allegations.

E&O coverage is designed to cover legal fees and any lawsuit settlements or judgments.  Some E&O policies can also offer protection for independent contractors, part-time workers, or volunteers.

If you are a professional in a specific area of expertise like an accountant, real estate broker, attorney, or contractor, you should have a Professional Liability policy.

General Liability insurance protects your business from financial loss as a result of claims of bodily injury, property damage, personal injury to others caused by your business, products, or your employees.

Risks come from a wide variety of sources, including accidents on your premises or people getting injured while using your product. A General Liability policy covers the cost to defend or settle claims even if they are fraudulent.

Simply having coverage isn’t sufficient; you need an experienced consultant to work with you on the proper amount of coverage you need based on your type of company and risk factors.  Mercado Insurance Services can work with you to make sure your coverage is adequate.

A commercial auto policy ensures your business vehicles are properly covered based on how much risk you can afford to take and your exposure.

Automobile claims against businesses are increasing due to the increased number of distracted drivers and the cost of technologically advanced vehicles.  Mercado Insurance Services can work with you to ensure you have proper coverage and deductibles that meet your risk tolerance.

Commercial Property insurance covers your business in the event of  loss due to covered events, such as fire, theft, vandalism, or natural disaster. It helps protect your assets, such as buildings, machinery, equipment, tools, product inventory, and more.  You can also protect your business from lost income while recovering from a loss or other people’s property while in your care for service or repair.

Mercado Insurance Services will consult with you on how much and to what extent you need coverage based on your business and risk factors.  It is essential that a business carry an adequate amount of coverage based on  property valuation and with essential policy features to avoid potential business closing expenses.

Businesses face increased exposure to discrimination disputes for wrongful termination, harassment, assault, and more.

Mercado Insurance Services can work with you to make sure you have the proper coverage in place to protect your business, managers, directors, and officers.

Employment Practices Liability Insurance (EPLI), Directors & Officers (D&O), and Fiduciary Liability can offer coverage during this time of increasing and ever-changing risks.

Mercado Insurance Services leverages its experience and relationships with providers to offer Surety Bonds to a broad range of industries.  We consult with you to assist you in your competitive advantage whether you are navigating your first bond or have a Surety Bond history.

There are times where the limits of your primary liability policies are below the level of loss.  Umbrella and Excess Liability insurance policies help fill this gap.

We live in a very litigious society causing businesses of all sizes to scrutinize the coverage and determine if they are adequately covered in the event of a heavy financial burden from a claim or lawsuit.  Mercado Insurance Services can consult with you to determine if Umbrella or Excess Liability coverage is right for you.