Average premium reduction of more than 15% compared to other insurance programs
Future possibility of association dividend plan to return more savings to members
Provide better insurance protection covering more claims than other programs
Safety services to help prevent claims from occurring, including injuries to employees
Supports SCRWA by returning income back to the association to help fund member services
Coverage Included
Property: Includes covered losses to buildings, contents, equipment and computers.
Liability: Coverage for slips and falls on your premises and lawsuits resulting from your operations, including chemicals used to purify water; Includes directors & officers liability and employment liability (termination of employees)
Automobile: Coverage for liability causing damage to property or bodily injury to others, plus it covers damage to your vehicles
Crime: Includes losses resulting from employee dishonesty and theft of money, plus robbery of money and securities
Cyber Liability: Optional coverage providing protection against someone hacking into your computer system and stealing confidential information of your customers or employees
Workers’ Compensation: Coverage for all employees if injured on the job
Quote Requirements
No obligations if a quote is requested
Send in a copy of your current building, auto and equipment schedules
Request a loss report from your current agent or the State Insurance Reserve Fund
Gallagher will contact you for any additional information needed
“In addition to the substantial savings we received by allowing Gallagher to handle our insurance needs, we enjoy friendly, professional staff that is readily available when you need them. Their technical service is a valuable resource to help develop and maintain a well-rounded safety and risk management program.” – Will Martin, General Manager- Bamberg Board of Public Works
