Your home and car are major investments, so you want to protect them from the unexpected. We can provide you with coverage that is tailored to your needs.
You've worked hard building your business; we can work side-by-side with you to make sure your business is insured properly.
Attract, retain, and protect your employees. Offer healthcare and supplemental benefits to promote their physical well-being and the welfare of their futures.
Preferred Risk Services was founded in 2007 as a sister entity to compliment both Personnel Resources and PRemployer. Since then, we have expanded our offerings to better serve our clients by providing affordable and reliable insurance coverage to individuals and businesses.
At Preferred Risk Services, we believe in integrity, honesty, and transparency. We always put our clients' needs first and strive to build long-term relationships based on trust and mutual respect.
We understand that every client has unique insurance needs. That's why we offer customized insurance solutions tailored to your specific situation. We work with you to understand your needs and provide the best coverage options.
We are licensed in Alabama, Florida, Georgia, Mississippi, South Carolina, and Tennessee.
Brook has been with PR Companies since 2012. He also leads Risk Management, Safety, and Employee Benefits for Personnel Resources and PR employer. Brook contributes more than 25 years of experience in risk management consulting and insurance procurement.
Emily has been with Preferred Risk Services since 2017 after finishing her Bachelors at Florida Gulf Coast University and completing graduate studies at Florida State University. Emily is licensed in property and casualty and health and life.
Please contact us if you cannot find an answer to your question.
With an independent agent, the policyholder will receive a more personalized service. An independent agent is able to provide competitive rates and more options to better suit your needs.
A deductible is an amount that you're responsible for in the event of a loss. This is the amount you pay out-of-pocket, and insurance covers the remainder.
When speaking with your agent to set up your policy, let them know about high value items you may be concerned about. Our agent can review your policy and recommend changes to ensure your valuables have proper coverage.
Collision is a loss that occurs when your vehicle collides with another vehicle (or object). Comprehensive provides coverage for non-collision events that are out of your control, such as hail, vandalism, glass and windshield damage, fire, accidents with animals, etc.
Where you garage the vehicle, the type of car you drive, is it for commuting or business, and your driving record are just a few of the factors that are considered.
Actual Cash Value is used when the policy owner is entitled to the depreciated value of the damaged property. Replacement Cost is a reimbursement for the amount required to replace the article of similar type and quality at the current prices/values.
General liability is going to protect your business from damages if there is a 3rd party bodily injury and/or property damage. Professional liability protects individuals and businesses from negligence, errors, omissions, and other issues that may arise from professional services.