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The commercial insurance landscape is complex and ever-changing.
In addition to the ever-evolving insurance market, the very sources of risk itself continue to shift as larger trends emerge in business practices and regulations . Identifying how all of these factors affect your organization and responding with the right insurance program and risk management methods is critical to guaranteeing the success of your organization into the future. Your team at Brown & Brown is ready to accomplish this. We come uniquely equipped with extensive insurance expertise and a wide array of value-added services and risk management tools.
It is our ongoing mission at Brown & Brown of WA Inc. – Tacoma to provide precise and thorough expertise in each specific line of insurance you hold with us.
As the sixth-largest insurance intermediary in the United States, Brown & Brown has a wealth of experience across the industry spectrum and the resources and clout of a top-tier brokerage. However, we operate on a decentralized model where every local team can tailor our approach and services to best serve our customers. Your Brown & Brown Tacoma team is committed to providing the highest-level personal service while mobilizing the power of Brown & Brown to deliver superior results and creative solutions.
Our sole focus is achieving results for our customers. We seek to reduce our customers’ cost of risk, secure the best protection available, and provide services that minimize losses and save our customers time. We believe the role of a broker is to serve as a constant advocate and advisor, not to simply transact a policy each year.
We believe that it is only by being consistently engaged with our customers that we will come to truly understand their operations and be able to refine their insurance portfolio and risk management programs to optimal levels. Every organization is different, and we seek first to discover and understand our customers’ operations before recommending products and solutions rather than promoting a specific product or employing a one-size-fits-all approach.
Brown & Brown Tacoma is a dynamic enterprise positioned for growth. If you are not already a customer, we would love to meet you and discover how we can help your organization take control of your cost of risk. Our team of experts is eager to assist you.
These policies provide coverage for bodily injury and property damage arising out of your business operations.
These policies provide higher limits of liability for organizations with greater exposure to loss or contractual requirements to meet.
These policies provide coverage for bodily injury and property damage arising out of the use of your vehicles.
These policies provide coverage for bodily injury and property damage arising out of the use of vehicles by for-hire fleet operators.
These policies provide specialized coverage for businesses in the automobile sales and service industry.
These policies provide coverage for your real property, personal property and the interruption of operations that result from loss of or damage to the same.
Also known as Errors & Omissions Liability (E&O). These policies provide coverage for types of loss and damages outside the coverage of traditional general liability for claims alleging damages beyond property damage and bodily injury.
Includes: Directors & Officers, Employment Practices, and Fiduciary Liability. These policies provide coverage for the decisions and actions taken in managing your organization, dealing with employees, and fulfilling your fiduciary duties when sponsoring employee benefit plans.
These policies are designed for owners of goods in transit, regardless of whether those goods are transported in owned or un-owned vehicles.
These policies cover a variety of property types traditionally not covered on a property policy. This includes items that travel away from your location.
Cargo policies can be written to apply to any type of conveyance, be it motor truck, rail, ship, or plane. These policies cover organizations that move property owned by others.
While a property policy covers the theft of covered personal property, restrictive conditions make it inadequate in protecting against many criminal activities. Crime policies are designed to address these shortcomings.
Cyber liability covers suits, internal investigations, regulatory penalties, and business interruptions resulting from a breach of private information.
These policies cover the liability from operating aircraft, including the potential loss of these valuable assets.
These policies cover the liability from operating watercraft (i.e. Protection & Indemnity), as well as the potential loss of these vessels (Hull).
Conducting business and travelling to places under foreign jurisdiction present unique risks. These policies extend coverage outside of the U.S. and include coverage for concerns unique to foreign operations.
These policies provide funds to respond to, and even pay for, ransom demands for kidnapped members of your organization.
Credit insurance covers loss from uncollectable receivables and can be an important tool in dealing with international receivables or freeing up liabilities on your balance sheet.
Workers’ Compensation is a significant cost for every business. The U.S. is a patchwork of state workers’ compensation systems. Controlling rates and properly structuring coverage is critical, especially for businesses with a footprint in more than one state. Learn more here.
This realm of workers’ compensation offers coverage for workers operating on or along navigable waters. There are important differences in this federal statute that present potential coverage gaps and significant additional costs for organizations. We can also provide coverage for seamen subject to the Jones Act.
Surety bonds provide financial guarantees for bidding, performance of contract, fidelity, and a variety of other obligations.
Professional. Good relationship with insurance carrier. Excellent communication.”
Our account reps are very good communicators and our Account Executive is knowledgeable and experienced enough to give us good advice to make changes, etc. and saves us $$$.”
I felt [your team] was extremely competent in guiding us through this last renewal and benefit carrier change. Your account manager is always on top of it!”
Thank you for being persistent. I really appreciate how helpful everyone at Brown & Brown has been. You guys are great.”
I am truly amazed at the turnaround. With our previous agent, it took weeks and months to get feedback...which, as you know, doesn't work in our organization!”
I have always been able to get prompt answers to any question. Our working relationship has always been good. You also make our insurance selection process painless and keep us well-informed.”
Good mix of representing our interests and bringing us together with carriers. Friendly, responsive, hardworking services to best help employees and families. Good research on best coverage alternatives. You always communicate enough information to help us make decisions.”
A+! You guys are extremely happy, especially with having to do such unique things. You always come to the table and pull rabbits out of your hats!”
Property & Casualty Consultant
Andy is a Property & Casualty Insurance Broker and Workers’ Compensation Consultant at Brown & Brown of WA Inc. – Tacoma. Along with the...
CONTACT MEProperty & Casualty Consultant
Andy is a Property & Casualty Insurance Broker and Workers’ Compensation Consultant at Brown & Brown of WA Inc. – Tacoma. Along with the Property & Casualty team, Andy works as a broker, helping businesses craft effective insurance programs. He also spearheads the Tacoma office’s Workers’ Compensation practice area.
While we have the experience to work with any industry, we have developed several specialties over the years.
Below are just a few of the areas we can provide our expertise and guidance:
Construction: Wes Carter. Account Executive. His specialties include: workers’ compensation, general liability, professional liability, manufacturing, and construction.
EIFS Contractors: Bryan Dunn. Vice President/Account Executive. With over 25 years in the insurance industry Bryan’s specialties center around the construction industry with an emphasis on EIFS contractors. Interested in EIFS? Read more here.
Public Entities (Schools & Non-Profits): Kim Wilson. Vice President/Account Executive. With more than 37 years in the insurance industry, Kim specializes in risk management for public entities and schools, non-profit organizations, errors and omission exposures, professional liability, contractors, manufacturers, wholesalers, and non-profit organizations.
Financial Institutions: Nat Whitcomb. Vice President/Account Executive. With over 40 years in the insurance industry, Nat specializes in assessing and preventing risk at financial institutions.
Transportation: Andy Shelton. Account Executive. His specialties include: workers’ compensation, construction, transportation, manufacturing, and logistics.
Collector car clubs are a great way to showcase your prized antique vehicle(s). Brown & Brown understands that hobbyists hold their collector cars in the highest esteem, in many cases showering them with care and attention in the form of endless hours of labor, costly enhancements, and comprehensive detailing. Insuring these vehicles is equally as important for collectors, since most insurance policies utilize “Stated Amount” settlements.
Consumers often confuse “Stated Value” with “Agreed Value”, but these are entirely different settlement options when it comes to recouping costs due to a total loss or a theft. At Brown & Brown, we care about your antique vehicle as much as you do, and take careful consideration of contract language before placing you with an insurance carrier. We also partner with Collector Car Clubs to help sponsor events and assist members with their individual insurance needs. We even have the ability to introduce industry experts who can provide educational seminars upon request. If you are looking for a broker to help you insure your collector car collection, or you’re a Club Member who would like help sponsoring events, please contact Natalie Peters.
High net worth customers have special needs, which is why they elect to work with certified wealth mangers who are knowledgeable in managing large portfolios. These same customers may not be aware of the significance of having a private customer insurance advisor who specializes in insuring their high value assets. High net worth insurance caters to an affluent demographic with unique needs surrounding jewelry and fine art collections, high value homes (homes over $500,000 in replacement value), expensive vehicles, sports cars, wine collections, heightened overall liability exposure, coverage for chaired nonprofit positions, cyber fraud and liability issues…etc.
Brown & Brown partners with wealth managers to make sure there are no gaps in a customer’s insurance policy that may cause unnecessary financial strain. Above all, we want to make sure your customer’s portfolio is not compromised due to a catastrophic loss. Please contact Natalie Peters to learn more about how Brown and Brown can offer comprehensive insurance reviews to your customers.
Brown and Brown offers exclusive services to Loan Officers and Mortgage Advisors by consulting with their home buyers and finding the most comprehensive coverage at the lowest cost. We recognize the importance of meeting deadlines in the process of purchasing or refinancing a home, and we are sensitive to the fact that outstanding insurance requirements can cause delays.
We strive to respond immediately to our customers with holistic binder requests, because we believe clear communication is essential. Please contact Natalie Peters to learn more about how Brown & Brown can create a seamless experience for your customers.
Settling on a plan design that fits your budget is a tactical move, but it is not a strategy. Our first step at Brown & Brown is always to work with our customers to help them articulate their immediate AND long-term goals. Once we know and understand a customer’s goals, we work to design a multi-year strategy that meets every one of those goals.
For any strategy to be successful, it must be managed. We work with you and your team to set, collect, and review the metrics needed to identify and make required improvements along the way. These measurements and modifications ensure a dynamic and evolving plan that meets the goals you have set, including budget, employee attraction, satisfaction & retention, as well as ease of implementation and long-term management.
Businesses that value their employees need the power and expertise of stellar Human Resources representatives.
Brown & Brown partners with some of the nation’s leading HR experts who understand the intricacies of strengthening today’s businesses.
Through our select partners, our customers receive unlimited monthly telephone consultations and email correspondence with a dedicated HR team.
Additionally, we offer live consultations with a Workplace Conflict Resolution Specialist to:
At Brown & Brown, we understand that every organization is unique and bears different exposures to loss.
We are here to help you understand the risks facing your organization and the most effective ways to insure against them. We’ve developed a process based in the discovery of the exposures and facing each customer. We also work to help you determine your risk tolerance and goals for eliminating losses. We analyze policy language and bring creative solutions to achieve these goals.
As a national broker we’re able to leverage tremendous buying power on our clients’ behalf, but our localized structure maintains laser focus on each customer’s individualized needs.
As a national brokerage, Brown & Brown can access nearly any insurance carrier and can write coverage globally.
We leverage this access to create an unmatched level of competition among insurance carriers seeking to write our customers’ business. By continually fostering this competitive atmosphere with our carrier partners we’re able to continually deliver superior results for our customers no matter what sort of market cycle is currently playing out.
WE WORK WITH:
While we are insurance brokers, we understand that effectively managing risk means more than just purchasing a policy.
Our clients receive a host of services aimed at developing robust risk management and saving our customers time in doing so.
Some examples include:
No one has to tell an employer in today’s market that the costs associated with their pharmacy program are on the rise with no silver bullet in sight to correct that trajectory. While that is certainly true for the overall market, we have solutions to increase transparency and minimize those costs for our customers.
Pharmacy claims represent one of the largest opportunities for better management of your plan and its financial performance. Let us help you better understand and control this sector of your plan’s costs and develop and execute a strategy for improvement.
Traditionally, the role of an insurance broker has been quite technical, including tasks like: quoting plans, negotiating renewals, comparing plans, and submitting applications.
Over the past few years, however, healthcare reform has shaken the industry. As healthcare costs continue to rise and more regulatory requirements are placed on employers, the role of a broker has proportionally expanded. Today, a broker must be able to engage employees and leverage technology in order to comprehensively serve a company.
At Brown & Brown, we take the scope of our job as your benefits broker seriously. We can and will give you the expert guidance that makes the benefits selection, implementation, and analysis process smooth, straightforward, and strategic.
To properly identify the risks driving your company’s healthcare expenses, it’s important to conduct a holistic review of your company profile. Your Brown & Brown representatives will ensure that this review is carried out with the utmost care and consideration. The data we compile will directly shape your benefits plan, and it can also help us determine targeted strategies to reduce risk for your particular business.
Our employee benefits team has spent decades accruing healthcare experience and medical knowledge. In addition to crafting your benefits package, we’ll also work to help you implement effective risk reduction programs and hold your health partners accountable throughout the process. Lastly, we will strive to engage your employees in the wellness practices that will keep them fighting fit year-round.
Whether you’re dipping your toes into workplace wellness or you’re ready to dive in and create a culture of wellness in your organization, the NWFA Trust is here to help.
We offer the following wellness resources at no additional cost: semi-annual wellness challenges, Wellness Dollars, communication pieces, and strategy development and ideas.
There are several regulations governing employee benefit plans, many of which are extremely complex.
Our resources will help you meet your compliance obligations and keep you up to date on laws and regulations that affect your benefits program.
Informed employees make smart consumers. Smart consumers make smart choices that can save you money when it comes to their medical, dental and vision care.
The NWFA Trust helps by providing: employee education, a dedicated helpline, open enrollment support, and customized Employee Guides.
When considering a specific exposure to loss, there are usually multiple ways to insure for it. These will inherently bear certain advantages and disadvantages as well as varying costs. Looking deeper, insurance contracts bear a myriad of terms and conditions which often vary widely from one edition or insurance company to another.
Your Brown & Brown team understands how these conditions are applied to real situations will engage in ongoing analysis to make certain that your insurance program is structured to cover your needs in the most cost-effective way possible.
Your employees’ ability to perform at their peak depends upon a number of factors. Regardless, the wellbeing of your employees will always directly affect your organization’s bottom line.
To ensure that your employees are at their prime, you need an experienced partner to help you create a custom, holistic, reliable program that addresses every aspect of employee health and wellbeing. You need Brown & Brown.
As your benefits partner, we help you meet the needs of your employees and budget. Our services include: strategic planning, funding alternatives (including HRA/HSA options), and plan design recommendations.
Partnering with Washington’s and Oregon’s top carriers, the NWFA Trust offers over 50 different plans customizable to the needs and goals of your financial institution allowing you to create a benefits package as unique as you are, including:
Premera Blue Cross; Regence BlueCross BlueShield of Oregon; Kaiser Permanente; Delta Dental of Washington; Delta Dental of Oregon; Willamette Dental; Vision Service Plan; First Choice Health EAP; The Standard; and Hyatt Legal.
Our drive to be the best has made Brown & Brown one of the largest and most respected independent insurance companies in the world. We are currently ranked as the sixth largest such organization…
Answering employee benefits questions is time-consuming. Researching information, following up on claims issues and helping people understand their benefits can eat up hours of your week. Think of the NWFA Trust as an extension of your HR Department.
We can help you save invaluable time and resources by providing you with: a dedicated helpline, claims support, communication materials, and exclusive membership with HR Workplace Services (our strategic partner).
With the NWFA Trust, we can guarantee:
Consolidated billing: One bill for all lines of coverage within The Trust
Online Enrollment: Simple, user-friendly, online employee enrollment
COBRA Administration: Included with medical, dental and vision coverage
There are many factors to employee success in the workplace. Ambition, tact, and creativity can increase an employee’s value in an organization. But engagement—on the whole—may be the most important factor of all because it is owned and internalized by each individual. This means engaged employees want to succeed, which, in turn, furthers the organization’s success.
Brown & Brown will work to customize a plan that suits you, your employees, and your entire organization.
Client portal. Client Portal enables your organization to do business when and where it is convenient for you. Client portals simplify the process of verifying coverages, printing ID cards, and managing Certificates of Insurance. You can even upload or download documents through a secure portal.
Online risk management portal. Whether your business could use assistance with an operational safety audits, development of a behavior-based safety program, implementation of an injury and illness prevention plan, or creation of a company-wide training program, we offer the professional resources and technical expertise to get the job done.
The landscape of employee benefits is always changing. We help you stay on top of what you need to know by keeping you abreast of new laws that are passed and new items that need to be implemented. We help make it easy for you to meet annual notice distribution requirements and are always a resource for your tricky compliance questions and concerns.
We provide you with annual employee notices in your customized Employee Guides (CHIPRA, WHCRA, Newborns Act, Medicare Part D, Exchange Notices, COBRA, etc.).
For all lines of coverage inside the NWFA Trust, your 5500 Filing/Summary Annual Report requirements are met for you. We can also complete all 5500 filings for any lines of coverage we broker even if they are outside of The Trust.
For most employees, the more choice the better! A customized voluntary benefits program designed to augment the more traditional employer’s selected offerings gives your employees the ability to design an overall benefit program that more specifically addresses their needs and budget.
As the trend continues toward workers paying for more of their own benefits, voluntary benefits can have a large impact on employee satisfaction and retention. Brown & Brown will help you customize a voluntary program that includes options such as: supplementary life and disability insurance, employee assistance programs, identity theft protection, pre-tax commuter benefits, and even discount and special service programs. Let us help you turn a good plan into a great one!
Our drive to be the best has made Brown & Brown one of the largest and most respected independent insurance intermediaries in the nation, with 75 years of continuous service. The Company is ranked as the sixth largest such organization in the United States and seventh in the World by Business Insurance magazine.
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