Property & Casualty

Property & Casualty

Competitive Advantage Property & Casualty is a full-service independent agency offering comprehensive coverage and risk management products to meet the needs of your business.

At Competitive Advantage Property & Casualty, we employ risk managers that access how your business is exposed and determine the necessary coverages that your business will need.

Once the appropriate insurance coverages have been determined, Competitive Advantage Property & Casualty uses that initial assessment to determine how to mitigate and monitor both policies and risks to your business. This ensures that your business is protected not only now, but in the future as well.

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Our Approach to Property & Casualty


At Competitive Advantage Property & Casualty we do not just employ insurance producers, we employ risk managers. Our team of specialists will sit with you to evaluate the possible hazards and risks your company faces. We assess and evaluate the exposures and, in this process, determine which insurance coverages are necessary for your business.


Once we have determined your company’s exposures and the appropriate lines of insurance we market your coverages with our hundreds of property and casualty carriers to find the best coverages at the most competitive prices – which will mitigate the risks of your company.

Outside of just securing an insurance policy our specialists can assist in making your company a risk management plan, suggest changes in company policy or the implementation of helpful tools such an employee handbook, training seminars and continuous improvement strategies.   


After your insurance policies and risk mitigation strategies are in place, our job is not done yet. We will continuously monitor your claims, ongoing risk exposures, and any potential new exposure so we may continue to make recommendations throughout your policy period and ensure your companies liability exposures are kept at a minimum and your business stays protected.

Get Free Quote

It’s our pleasure to help you find robust employee benefit and commercial insurance plans that meet your company’s unique needs 

We offer all types of coverage packages for your business including:

Types of Coverages

General Liability

Provides in a single contract insurance needed to cover liability for injuries or property damage sustained by members of the public. It covers accidents occurring on your premises or away from your premises as a result of business operations. It automatically covers certain hazards which do not now exist, but which may develop during the life of the policy.

Umbrella Liability

Also known as excess liability this coverage will provide higher limits over your primary insurance coverage, so large or catastrophic claims will not be paid out of pocket in the event your primary coverage limits are exhausted.

Workers Compensation

This mandatory coverage provides wage replacement and medical benefits for employees injured on the job.

Professional Liability

Professional liability or errors and omissions policies cover businesses and its employees against claims of inadequate work or actual or alleged mistakes that result in a financial loss for its clients. Whether it be medical malpractice, accountant errors, or media liability insurance – each policy is customized to cover the professional work performed by your company.

Employment Practices Liability

Essential for business with large number of employees EPLI covers actual or alleged harassment and discrimination based on race, age, sex to name a few – as well as wrongful termination and other perils regarding employment.

Liquor Liability

If your business sells or serves alcohol to an intoxicated person who then causes injury or damages, liquor liability insurance can pay for legal fees, settlements, and medical costs.


Commercial property policies can cover anything from a vacant building, to business income, personal property, accounts receivable and more. The extent of coverage ranges from basic to “all – risks” so you can customize your policy to fit your needs.

Commerical Auto

This policy can provide a combination of liability protection and physical damage coverage for loss due to damage to vehicles owned, maintained, or used by you. Additional coverages such as medical payments and uninsured motorist protection can be purchased to "customize" the policy to fit your business.

Inland Marine

Insurance for property in transit over land, certain types of moveable property and equipment, instrumentalities of transportation (such as bridges, roads, and piers), instrumentalities of communication (such as television and radio towers), and legal liability exposures of bailees.

Directors & Officers

Directors and officers liability insurance protects the personal assets of corporate directors and officers, and their spouses, in the event they are personally sued by employees, vendors, competitors, investors, customers, or other parties, for actual or alleged wrongful acts in managing a company.

Cyber Liability

As cyber-attacks, malicious software and cyberextortion are on the rise cyber security liability has been one of the fastest growing insurance products over the last few years to protect companies against data breaches, computer fraud and so much more.

Personal Lines Insurance

Competitive Advantage Property & Casualty partners with Goosehead Insurance Agency, one of the largest platforms for homeowners, auto personal umbrellas, flood and so much more. With national writing capabilities and access to over 140 carriers through their platform, our partnership with Goosehead Insurance has been proven beneficial in securing our clients the most comprehensive and competitive personal lines coverages.

And Many More!

Here at Competitive Advantage, we work for you – our client. We provide policy options only from reputable insurance companies that are strong and financially sound.

We internally shop many carriers to assure you are getting the most comprehensive and competitive policy possible.

Preserve your company’s future with proper P&C protection

Your business may require additional coverage depending on your industry. Or, your current P&C package may not cover all the components of your business, or you may have too much coverage. Our specialists at Competitive Advantage Property and Casualty, LLC discuss with you the ins and outs of your business along with your current policy to ensure you are fully and appropriately covered.

We are Always Ready to Assist Our Clients

in finding insurance that fits their unique needs

marketing analysis
business innovation
finance strategy

How It Works & How We Do It

Our specialists are ready to provide an analysis of both the market as a whole and its individual components (competitors, consumers, product, etc.), using practical methods and starting from your research goals.

Business Planning & Strategy

Nurture promoters, your loyal customers who are more profitable and will advocate for your business—both in good times and bad.

Customer-focused businesses build a virtuous cycle we call the “customer wheel.” We help you at every stage of growth, developing custom solutions and collaborating with all levels of your organization. Identify quick, targeted customized solutions and operational improvements.

We work for you by providing policy options only from reputable insurance companies that are strong and financially sound. We internally shop many carriers to assure you are getting the most comprehensive and competitive policy possible.

Get In Touch

Available from 8:00 – 6:00; Monday through Friday

* We will be open each Saturday in March and November.