We take the product of insurance very seriously. It is the vehicle that is used to protect your most important assets, whether personal or commercial. We have chosen this career because we feel that insurance is an integral part of society. What this Means to You Our Pledge - to give you the best price the market can bear. Our Commitment - to give you the best product and coverage in the marketplace. Our Promise - to provide service that meets or exceeds your expectations.   Daily Business Our first responsibility is to our clients. Our large and experienced staff handles your daily service needs in a friendly and polite manner, with the sense of urgency that we know is important to you. Services include, but are not limited to: Claims   Questions Regarding Coverage Certificates of Insurance   Audits Billing Inquiries   Content Reviews   Risk Management and Claims Oversight Services Your claims experience is the single most important factor considered by insurance companies when developing your premium. For this reason, the Summit Insurance Group's claims oversight services are essential to your business insurance program. By carefully monitoring your claims throughout the policy term, managing larger claims frequency issues, and scrutinizing suspicious claims, our firm will minimize your loss history and keep your premiums competitive. Value Added Services include: Loss Control & Safety Audits   OSHA Guidelines Evaluations   Quarterly Claims Reviews Experience Modification Analysis   Audit / Classification Reviews   Reserve Audits Early Return to Work Coordination   Human Resources and Employment Manuals   And many more... Pre & Post Accident Drug Testing   Workplace Safety Committee Implementation       Markets The commercial property and casualty market is cyclical and has gone through significant fluctuations over the last few years. We are committed to staying on top of the market as pricing and underwriting practices change in either direction. At Summit Insurance Group we have been very careful and deliberate about choosing a diverse group of carriers to represent. We have chosen to partner with stable and aggressive "A" rated insurance companies enabling us to provide our clients with the best available products, now and in the future.   Industry Specialties           Construction   Public entities     Manufacturing   Healthcare     Wholesale and distribution   Retail operations     Transportation   Real estate     Food industry   Professional services     Meal industry   Philadelphia exposures                 We offer coverage for:           Commercial properties   Commercial crime     Contractors' equipment   Directors and officers     General liability   Professional liability     Product liability   EPLI     Business use auto/fleet   Workers' Compensation     Commercial umbrella     - Guaranteed cost     Boiler and machinery     - Loss sensitive plans                 Surety Bond Division We specialize in helping small and mid size contractors reach their goals by providing our contractor clients with solutions to their bonding needs. Representing "A" Rated, Treasury Listed Surety Bond Companies, we have partnered with some of the most savvy bond underwriters in the industry. Summit understands the "ultracompetitive" nature of the construction industry. By taking the time to listen and understand our clients' needs and philosophy, Summit is committed to making certain that our clients get to the bid under the best available terms and conditions. Whether your current challenge is increasing your ability to go after larger single projects, expanding your aggregate program, maintaining competitive pricing, or simply working with a more flexible surety partner, Summit can be of value to your company's continued success. Handling the Surety Bond needs for Single Contracts up to $10,000,000 24-Hour turn-around with full submissions If it makes sense...we will find a way to get you the bondig you need, at pricing you deserve. Personal Lines of Insurance Summit Insurance Group's Personal Lines Department acts as an independent agency and is not contractually obligated to any one insurance company. This allows us to act in our customers' best interest by matching the customer with the carrier that best suits their needs. We represent several "A" rated companies, enabling us to provide personal lines of insurance at a competitive price.   Summit Marine As a division of Summit Insurance Group, Summit Marine offers the following types of insurance:     Fishing Equipment     All Risk Physical Damage     Emergency Towing     Liability Protection     Pollution Liability     Full and Part Time Charter Laibility     Uninsured Boater     Medical Payments     After-Warranty Mechanical Breakdown     Personal Property               We Service:     Pleasure and Charter Boats     Marine Contractors     Commercial Fishing Vessels     Boat Builders and Dealers     Marinas

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