Enhanced Plans

Personal and Business Coverage Coordination

For business owners with commercial insurance accounts at Higginbotham, we align your personal and business insurance policies to avoid gaps in your protection and eliminate overlapping coverage. After we identify your personal exposures and perform a 360-degree review of your entire program, you are given a portfolio of your personal insurance policies for quick reference. The result is a unified program that treats your exposures as they relate to each other and makes sure you pay no more than necessary.

Payroll Deduction Program

For employers who want to give their employees easy access to personal insurance, we offer a payroll deduction program for purchasing coverage for their homes and vehicles.  Not only is it free to you, it can save your employees up to 15 percent in premiums because they purchase at a discounted group rate. It also gives them better cash flow because payments are spread over the entire year. This is a convenient way to enhance your employee benefit package.