- Automobile and Truck Liability
- General and Product Liability
- Motor Truck Cargo
- Umbrella and Excess Liability
- International Liability
- Workers’ Compensation
Automobile and Truck Liability
One of the greatest exposures facing a company is from operating motor vehicles. Whether you have a few vehicles or a large fleet, Orion can help you obtain the right coverage. We provide solutions for delivery fleets that are engaged in local, intermediate and long-haul transportation. In addition to the proper coverage, we also provide loss prevention programs to minimize the potential of accidents.
General and Product Liability
A comprehensive general and product liability program is essential to conducting your business. The coverage protects your business assets and also allows you to sell products and provide services to your customers. The insurance coverage can be designed to cover domestic and global sales, with specific rates for each exposure.
Motor Truck Cargo Legal Liability
Companies have legal liability for transporting the products of others. This exposure is insured by a motor truck cargo legal liability policy. Orion can design the proper coverage so your customers will allow you to transport the product and you have protection in the event of a claim.
Umbrella & Excess Liability
It is imperative to have enough liability protection in today’s litigious world. Lawsuits for bodily injury and even property damage can escalate into several millions or even tens of millions of dollars.
The factors that determine the limit of liability insurance to obtain go far beyond the amount of insurance requested by customers. The ultimate liability a company faces and its asset size are also factors in determining the amount of insurance to carry. Another important variable is the peace of mind of having high limits of coverage.
Orion can design the coverage a client wants and needs by layering the umbrella and excess policies.
Our increasing global business environment requires a company to ensure they have the proper protection. The insurance coverage needs to meet the local requirements of the country in which you conduct business.
Orion can customize your insurance coverage to protect your business exposures in the particular country you operate. Our insurance company partnerships provide proper coverage and competitive pricing. Our strategic relationships with brokers in other countries also enable us to provide local service to your foreign operations as necessary.
A comprehensive insurance program goes beyond providing the insurance coverage in the event of a claim. Implementing a successful safety program can protect your employees from injury so they can remain productive at work. It also minimizes your labor costs so your company can remain competitive and reduces the cost of employee turnover and retraining. An excellent safety record produces a low experience modification, which shows that your company has excellent management controls in place.
Orion has the expertise to design the proper program for your company profile, size and budget. The options we present include guaranteed cost, large deductible, retrospective rating, captives and self-insurance. We provide expert loss prevention consulting and program development to prevent losses from occurring. We also help manage claims to cost effective closures in order to minimize the long term net cost of both risk and insurance.