Business and Contractor Insurance

Running a successful business is a testament to your hard work, vision, and dedication. However, every day brings new opportunities alongside new risks. At Sherritta Chamberlain Insurance, we serve as your steadfast partner in protecting your enterprise, from its largest assets to its smallest details. We understand that a one-size-fits-all approach is a recipe for disaster in the business world, which is why we conduct a thorough and personalized risk assessment for every client. This consultative process allows us to create a customized insurance portfolio that aligns perfectly with your industry, size, and long-term goals. Our deep knowledge of various business sectors, from construction to professional services, allows us to anticipate your specific needs and build a plan that lets you focus on growth and innovation, rather than on potential liabilities. We leverage our strong relationships with a wide variety of insurance carriers to get you the best coverage at the most competitive price. Our commitment is to be your trusted long-term advisor, a resource you can rely on to help you navigate complex policy language, manage claims, and adapt your coverage as your business evolves and new challenges emerge.

Contractors Insurance

The contracting world is a dynamic environment, full of unique risks and ever-changing job sites. From heavy machinery to a team of employees, your business faces unique liabilities every single day. Contractors insurance is not a luxury; it is a necessity specifically designed to address these dynamic risks and protect your business from the significant financial burdens of an accident or lawsuit. The foundation of any contractor’s insurance plan is general liability insurance. This policy is your first line of defense against claims of bodily injury or property damage caused by your operations. For example, if a client slips and falls on your job site or one of your employees accidentally damages a customer’s property, this coverage provides essential financial protection from legal fees, medical costs, and settlements. Beyond the basics, we will help you secure other vital coverages that are indispensable for your business. Commercial auto insurance is an absolute must for any vehicles used for business purposes, including pickup trucks, dump trucks, or trailers. A personal auto policy will not provide adequate coverage for work-related accidents, and we can ensure your entire fleet is covered for accidents, theft, and damage. We will also help you get workers’ compensation insurance, which is often required by law. If an employee is injured on the job, this coverage pays for their medical expenses and lost wages. It is a vital component for protecting both your employees and your business from costly lawsuits. But our service doesn’t stop there. We look at specialized coverages unique to your trade. Inland marine insurance protects your valuable tools, equipment, and materials while they are in transit or at a job site. Builders’ risk insurance is essential for new construction projects, providing coverage for the structure itself and all the materials used during the building process. We’ll also discuss professional liability, also known as errors and omissions insurance, which protects you if a client claims your professional advice or services led to a financial loss for them. We’re here to ensure your contracts are solid and your business is protected from every possible angle.

Annuities

As a business owner, your focus is often on the immediate needs and future growth of your company. However, it’s equally important to secure your personal financial future. Annuities can be a powerful and often misunderstood tool for retirement planning, offering a unique way to create a secure, steady income stream for your post-work life. An annuity is a long-term investment contract between you and an insurance company. You contribute a sum of money, either in a lump sum or through a series of payments. In return, the insurance company agrees to pay you a regular stream of income, often for the rest of your life. This can be a great way to supplement other retirement savings vehicles like a 401(k) or pension, providing a guaranteed income you can’t outlive. We offer several types of annuities to meet different risk tolerances and financial goals. A fixed annuity offers a guaranteed interest rate, providing predictable, low-risk growth. This is a great option for those who prioritize safety and stability. A variable annuity allows you to invest in a portfolio of professionally managed funds, with the potential for higher returns but also greater market risk. An indexed annuity combines features of both, offering a guaranteed minimum return while also providing potential for growth tied to a market index, such as the S&P 500. Our team will take the time to explain these options in plain English, helping you understand the complex terminology and potential benefits. We’ll help you determine if an annuity is the right fit for your financial strategy, discussing factors like liquidity, surrender charges, and the various payout options. Our goal is to help you build a comprehensive retirement plan that provides the financial security you’ve worked so hard to achieve.

Veteran Benefits

At Sherritta Chamberlain Insurance, we hold immense gratitude and respect for the service of our nation’s veterans. We understand that navigating the complex and often overwhelming world of military and veterans’ benefits can be a daunting challenge. We are proud to offer specialized support and guidance to help you and your family access the financial benefits and services you have earned through your selfless service. We provide knowledgeable guidance on a range of insurance and financial products available to veterans. This includes helping you understand and maximize your life insurance options, such as Servicemembers’ Group Life Insurance (SGLI) and Veterans’ Group Life Insurance (VGLI). We can help you navigate the process of transitioning your coverage after separation or retirement, ensuring your family’s financial security is protected. We can also help you explore other programs available through the U.S. Department of Veterans Affairs (VA) that can supplement your financial planning. Beyond life insurance, we can assist with understanding and planning for long-term care options designed specifically for veterans and their spouses. As the cost of care continues to rise, having a plan in place is essential for maintaining your financial independence and dignity in your later years. Our commitment is to serve as a compassionate and knowledgeable resource. We will listen to your unique situation and help you understand your options without any pressure or obligation. Whether you’re looking to secure your family’s future, plan for long-term care, or simply understand the benefits you’re entitled to, we are here to provide the support and guidance you need. We believe that veterans and their families deserve the highest level of service and respect, and we are honored to be a resource you can trust.