Commercial Insurance

When you partner with Brown, Seligman & Thomas Insurance, you’re putting your trust in an industry leader. We offer a wealth of property and casualty insurance solutions including loss control and cost containment programs, risk management solutions and safety-related communications. These value-added services enhance our commitment to you through strategic planning, expertise and technology.

Together, we can create a program that helps you meet your risk management initiatives, so you don’t just survive but thrive in the changing marketplace. Our services are unique. Discover why hundreds of companies make Brown, Seligman & Thomas Insurance their broker of choice.


What Brown, Seligman & Thomas Insurance Provides

Position in the Marketplace

  • Independent and entrepreneurial
  • A preferred agent with top carriers
  • Established and financially viable

Diverse & Experienced P&C Team

  • Average years of P&C team member experience is [#] years
  • Industry-related backgrounds (rating, underwriting, claims, loss control, etc.)
  • Wide range of industry expertise

Consultative Risk Management Approach

  • Identify your exposures to loss
  • Examine and recommend alternative techniques to control your loss
  • Implement and monitor techniques we recommend
  • Seek continuous improvement for your loss control programs

Strong Claims Support

  • Focus on communication & claims management to keep costs down
  • Expertise to negotiate your best outcome
  • Claims Support

Strong Loss Control Support

  • Focuses carrier in the proper direction to minimize client costs
  • Acts as client advocate with insurer
  • Tailored safety programs

Consultative Analysis

  • Claims analysis
  • Loss trending
  • Verification of Workers’ Compensation experience modifier


1. Do I need to pay the entire premium up front?

Not usually. Depending on your premium size, most insurance carriers allow different payment plans. The company will bill you directly and give you the payment options at that time. Most are 25 percent down and eight or nine payments, or 12 equal monthly installments.

2. How does an umbrella liability policy work?

In the event of a catastrophic loss, the umbrella policy provides excess liability limits. Once the underlying limits of the business auto, general liability and employers liability policies are exhausted, the umbrella liability policy would provide further coverage.

3. What is business income coverage?

The following are typically covered under a business interruption insurance policy:

* Profits: Profits that would have been earned (based on prior months' financial statements);

* Fixed Costs: Operating expenses and other costs still being incurred by the property (based on historical costs);

* Temporary Location: Some policies cover the extra expenses for moving to, and operating from, a temporary location;

* Extra Expenses: Reimbursement for reasonable expenses (beyond the fixed costs) that allow the business to continue operation while the property is being repaired;

* Civil Authority Ingress / Egress: Government-mandated closure of business premises that directly causes loss of revenue. Examples include forced business closures because of government-issued curfews or street closures related to a covered event.

This coverage extends until the end of the business interruption period, which is determined by the insurance policy. Most insurance policies define this period as starting on the date of the covered peril and the damaged property is physically repaired and returned to operations under the same condition that existed prior to the disaster.

In addition, businesses can purchase contingent business interruption coverage, which pays out when a business is unable to operate because of an event (such as a natural disaster) that damages the business premises of one of its suppliers, thus preventing it from engaging in normal trade.

4. What is liability coverage?

There are many different types of liability to be covered for a business. Business liability may protect you from claims arising from customer bodily or personal injuries. Other liability that could be covered: damage to the property of others, products-completed operations, advertising, premises operations, fire, legal liability and related legal defense costs.

5. What is professional liability insurance?

Otherwise known as malpractice insurance, professional liability insurance protects your business against claims resulting from professional services rendered by you to your clients. This type of insurance covers you and your employees in the event that someone claims you incorrectly performed or failed to perform your professional duties.

6. When do I need to buy workers' compensation insurance?

In most states, workers' compensation insurance is required when you have one or more employees.1 Usually, the state penalties for employers who do not purchase workers' compensation are very stiff. A few states do not require employers to carry workers' compensation insurance coverage.

7. Will my employees' personal autos be covered under a commercial auto insurance policy if they are using their autos for business?

Most commercial auto insurance policies cover the liability for your business for employees using their own autos for business. However, the employees' personal auto policies would be the primary coverage for damage to their automobiles.