Commercial Insurance Experience You Can Trust
About Western Agency
Offering more than just sound insurance advice – your source for contracting,
surety and risk management
Established in 1976, Western Agency is one of the largest independent agencies in
North Dakota, specializing in oilfield, contractors, risk management, surety, farm and
crop insurance. Our in-house claims and underwriting expertise provides extra
resources and services when needed most. To ensure coverage day or night, we review
your policy throughout the year to make sure it is current. With more than 200 years
of combined agent and customer service experience, Western Agency can engineer
a risk management solution for virtually any construction or contractor risk.
Our team has access to more than 30 companies that provide a wide range of
coverage options to suit your specific commercial insurance needs. With a nearly
40-year track record of prompt claim support and comprehensive coverage when you
need it, Western Agency is the kind of company you can count on – in both good
times and bad.
Committed to a level of quality we would recommend for our own families, we hold
ourselves to an impeccable standard of support and claims service.
When it comes to insuring your commercial business, the coverage options can seem
overwhelming. From liability and employee practices to commercial auto, property
and equipment coverage, Western Agency offers multi-decade expertise and underwriting knowledge designed to provide ease-of-access, customer education and
comprehensive coverage for all your commercial insurance needs. Knowing business
continues no matter what, we also provide complete bond services including bid
bonds, performance-based bonds and notary bonds.
While we concentrate on contractors, contract bonds, municipal entities, churches and
manufacturing, we also insure many other types of businesses. To ensure our core
skills and your organization’s needs are a match, we will notify you in advance if we
believe we are the right fit for your business. As your company changes, so do your
insurance needs. In addition to an annual commercial insurance review, our team is
available round-the-clock to assist with major changes or claims that may occur.
Read on to learn more about our solutions to:
• Complete risk management
• Liability risk management
• Auto fleet risk management
• Catastrophic risk management
Commercial Insurance
Experience You Can Trust
Auto fleet risk management
We help identify major risks and their potential impacts for a variety of
business operations. This creates value for customers and employees, and
minimizes chances for business loss and disruption of service.
Whether you’re moving people, equipment
or products, your commercial fleet can be
one of your greatest assets and one of your
greatest liabilities. Risks that are inherent in
commercial vehicle transport such as
weather, traffic, and uninsured/under
insured drivers cannot be avoided, but they
can be covered.
Our complete risk management solutions include:
• Property valuation appraisal
(both replacement & current valuation analysis)
• Identifying amounts at risk
• Identifying exposures to possible perils that could enhance your risk
• Insurance-to-value assessments
We provide:
• Loss control
• Auto liability evaluation and solutions
• Auto physical damage exposures
& coverage solutions
• Auto loss history evaluation & analysis
Liability risk management
Liability insurance protects your company against potential lawsuits or
situations where you are legally liable for injury or loss caused by a
mistake your company could make. Although this type of risk cannot be
eliminated, the development of your risk management plan can limit the
risk of error. As part of a comprehensive effort designed to engineer the
best insurance program, we will compare and contrast your current
coverage with what we believe will effectively cover your business in a
variety of exposures including:
• Pollution
• Employee benefits liability
• Employment practices liability
• Cyber liability
• Employers liability
• Employers stop gap liability
• Care, cost and control
• Classification review & pre-audit review
• Large audit potential
• Contractual liability
Catastrophic risk management
Commercial umbrella/excess liability
policies give your business an additional
level of protection, typically extending
existing limits as well as your financial
security. We review your current excess
coverage and compare it to current
exposed assets to discern:
• Availability of higher limits of coverage
• A cost benefit analysis (i.e., what keeps
you up at night/what risk would be so
devastating that it would put you out of
business).
(i.e., master service agreements, construction contracts, additional insureds, waiver
of subrogation, certificates of insurance)
BOTTINEAU
GLENBURN
MINOT
408 20th Ave. SW, Suite 101
Minot, ND 58701
Main Line: (701) 852-5383
www.western-agency.com
TOWNER
GARRISON
NORTH DAKOTA
DICKINSON
OAKES
ABERDEEN, SD
BRITTON, SD