Small businesses truly make the American economy go ‘round.
As of early 2024, there are approximately 33 million small businesses in the United States employing more than 61 million people. For context, that’s roughly one-third of the American population working for a small business, further proof that these are some of the most critical components of our workforce.
Like other businesses – and people, too – small businesses need insurance. They need insurance that protects the company, its employees and (if they so choose) their families. Securing proper coverage that meets state and industry requirements is essential, but many business owners don’t know where to start.
At Defensive Insurance Services, we’re your trusted partner throughout the process.
About Defensive Insurance Services and what we do
Finding great insurance for your business and employees shouldn’t be a monumental challenge. Unfortunately, for many small business owners, it’s come to that.
For nearly 60 years, Defensive Insurance Services has been committed to making the lives of our clients a little easier, by giving them one less thing to worry about. As a business owner, you’ve got a lot on your plate – why add insurance to the list? If you’ve searched high and low for the right coverage, we hear you, and we’re here to take the wheel.
Personalized coverage and support
You don’t need to call a hotline and wait for hours to speak with a member of our team. With Defensive Insurance Services, you will have a dedicated professional on your account who understands your situation and needs.
Industry-leading insurance partners you can trust
We only work with the best. Our partners include Travelers, Nationwide, The Hartford, Progressive, Kemper and more.
Coverage for all trades and professions
Whether you own an electrical company, a construction firm or simply want better coverage for your employees, we’ve got you covered (literally).
Why is it hard to find the right insurance coverage?
First, when you work with an insurance agent from some of the big names, your options may be limited. Not because the options don’t exist, but rather the agent is forced to sell you the only option they have or are willing to find. Square peg, round hole.
Defensive Insurance Services works for you – not an insurance company. As an independent brokerage we have numerous top markets and wholesalers who help us find the best options available. We’re willing to go the extra mile and track down the coverage that aligns the closest with you or your business.
Second, to an online brokerage you are a number – not a client.
Online insurance applications can be daunting and don’t tell the full story about you or your business. This often leads to misunderstandings between you and the insurance company resulting in holes in your coverage and major problems in the event of a claim.
At Defensive Insurance Services, we work directly with our clients to ask the questions that matter. We personally review all applications and paperwork submitted to our carriers to make sure they tell the full story, not just the cliff notes. We like to think of ourselves as an end-to-end insurance solution.
We’re not just focused on insuring your risk today, we’re focused on defending your future for years to come.
Third, insurance can be complex – full of jargon and unnecessarily complicated. Underqualified agents may not be able to “get to the point” and provide you the information you need to know to make the decisions that will impact you, your family, or your business.
Defensive Insurance Services cuts through the noise to provide you with clear and comprehensive information. Led by our CEO Brent Moore and his 30-plus years of insurance experience (along with the highest designation in the industry, CPCU), we simplify all the complex policy terms and various coverage options so you feel empowered to make informed decisions with confidence.
Business insurance
From workers’ compensation to general liability, from commercial auto insurance to inland marine, Defensive Insurance Services will find exactly what you need. For industry specific coverages, we’ll work side-by-side with you to determine the requirements you must meet and any additional coverages – depending on the industry and nature of work – so you can simply worry about running your business.
Personal insurance
Renters insurance, condo owners’ policies, earthquake and tornado coverage…every client’s situation is different, and Defensive Insurance Services has worked with clients across the country in a variety of situations. Your individual state may mandate a certain coverage, or you might want to protect against certain risks depending on where you live.
You can trust our team to take an in-depth look and help you decide what insurance coverage(s) you need.
Employer-sponsored coverage and benefits
Many small business owners opt to offer employer-sponsored coverage and benefits to employees. We work with some of the most well-known and well-regarded insurance providers in the country, who have spent decades providing business owners with exceptional coverage for their workers.
With more than 50 years of experience, you can trust Defensive Insurance Services to find insurance coverage that’s right for you. Once you submit a request for a quote, our team will survey the options and provide multiple recommendations – giving you the confidence to make an informed decision.
