Business Insurance

Solutions designed to help you and your employees flourish in the workplace whether you are a sole proprietor or a multi-national corporation.

Introduction to Business Insurance

Stream Insurance is a provider of comprehensive insurance placement, employee benefits, and risk management services. Our team of enthusiastic insurance professionals provides exceptional outcomes for our clients. We do what is in the best interest of our customers through thoughtful, detailed analysis followed by concise, easy-to-understand solutions. We earn their trust by following up on the “small things” so they know they can count on us when they need to deal with the “big things”.

Relationships drive our success.  Over many years, we’ve developed deep partnerships with insurance carriers and specialists all focused on providing our customers with creative and impactful products and services.  These relationships are designed to help our clients manage risk and benefits cost-effectively… so our clients can do what they do best:  Run their businesses with confidence!  We’re with you every step of the way.

Employee Benefits Insurance

We have the resources to help you develop effective strategies for your health and benefit programs. We can assist you in the design, implementation, administration, and communications of all of your health and benefits plans – whether your objective is to design new strategies or re-tool those currently in place.

Our product mix is substantial, including life insurance, personal lines, medical products, and many more. Programs are available both to full-time and part-time employees.

The specialty areas that we focus our national, regional and local resources include:

  • Benefit programs (Medical, Dental, Vision, Disability, and Section 125 pre-tax reimbursement accounts)
  • Self-insured programs to meet the special needs of employers
  • Fully insured programs for employers of all sizes
  • Life and Income Replacement
  • Short Term & Long Term Disability Experience Analysis

Property & Casualty Insurance

We offer a comprehensive array of property & casualty insurance products from a variety of markets to get you the best coverage for right price.

We specialize in all commercial lines including:

  • Business Owners Policy
  • Umbrella/Excess
  • General Liability
  • Professional Liability
  • Property
  • Product Liability
  • Inland Marine/Equipment
  • Floater
  • Bonds
  • Commercial Auto
  • And more!

We offer Workers’ Compensation Programs in the following industries:

  • Contractors
  • Trucking
  • Equine
  • Home Healthcare program (RCF’s, Assisted Living, Nursing Homes, Hospitals)
  • Manufacturing & Distribution
  • Roofing
  • Hard to place risk including New Ventures, Lapse in Coverage, High Experience Mod

Industries we Insure but are not limited to:

  • Construction
  • Retail
  • Special Events Coverage
  • Service Industry
  • Large Home Builders/Developers
  • Professional Offices
  • Garage and Auto Services
  • Coastal Property
  • Auto Dealerships
  • Healthcare
  • Habitational (Hotel, Motel, Apartments, Condos, etc.)
  • Manufacturing, Distributing, and Exporting
  • Lessor’s Risk
  • Oil/Gas/Energy/ and Aviation
  • Environmental Contractors (including mold and asbestos AND CAN INCLUDE WORKERS COMP!!)
  • Staffing Company
  • Aviation
  • Education (schools and daycares)
  • Hospitality (all types including high liquor sales)
  • Cannabis Operations
  • Farm and Equine
  • Non-Profit Organizations
  • Utility Contractors

Employer Strategies and Solutions

Developing clear strategies to help employees succeed in the workplace is vital to a healthy business environment.

  • Consulting services on program design, cost-containment, management and program development
  • Large Group Employer enrollment platforms
  • Risk and Safety Solutions
    401K and IRA retirement solutions
  • PEO and Non PEO Payroll Options