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Raley, Watts & O’Neill Insurance

Since 1950, Raley, Watts & O’Neill has been serving the insurance needs of our clients. We started as a one person operation in Lexington Park, MD and are proud of our small town heritage. We have worked hard to maintain the fundamental principles of our roots while we have grown into a company that serves clients throughout the Mid-Atlantic, the United States and Internationally. We pride ourselves on getting it right and taking care of the needs of our clients. We simplify the insurance process and take the time to make sure each of our clients understand their options, what they are buying and where their money goes. Our committed staff has the expertise and extensive experience in a broad range of insurance products and services like Commercial, Personal, Bonding, Safety/Risk Management, Group Health, Life and Financial Services. We would welcome the opportunity to demonstrate to you how working with Raley, Watts & O’Neill is about more than just insurance; it is about a long term relationship. We always strive to never veer from our values – C.A.R.E

Do You Need to Expand or Limit Your Business Insurance Coverage?

Gordon O’Neill Gordon O’Neill , 1/14/2015
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insuranceWhen it comes to making sure your business is properly covered with insurance, you must first examine your company's needs. And it's imperative to keep in mind that a regular review of your company will be necessary because as it grows or downsizes, your insurance needs will change. More than likely, each year, you will find that your insurance coverage needs to be reduced or increased. Take a look at your inventory What does your inventory look like? It is properly protected? How about customer data? Is it encrypted? All of this influences the type of coverage that you need. What about health benefits? Are you providing health benefits to your employees? If so, then you need to be on top of today's latest regulations to ensure you are providing them with health insurance that stays in compliance with the law. By regularly reviewing your health insurance coverage, you might find that you need to expand your current offerings or cut down on them. Do you have property and casualty insurance? If you don't have a property and casualty insurance policy, then you'll definitely want to purchase one in the near future. This helps protect your assets, including inventory, accounts receivables and much more. The Takeaway As with any type of insurance policy, the best way to determine your company's exact needs is by speaking with a professional insurance agent who has much experience making sure businesses are covered from all angles. Even if you have to expand your coverage and pay higher premiums, you can rest assured knowing that your company is adequately protected.