SMALL BUSINESS COVERAGE
At MRG of Texas, we know choosing the right insurance for your business is an important decision. That's why we've created one of the best portfolios of small business insurance coverages.
Whether you're a store owner, office professional or wholesaler, our flexible, streamlined small business insurance coverages are designed to protect you against the unique risks and exposures you face - so you can tend to your business and rest assured that it is protected in every imaginable way.
The Business Owners Policy affords a large number of built-in coverages important to protecting your small business, including:
* Business Personal Property (Optional for some businesses) *Building coverage (Optional for some businesses) *General Liability Product Liability*Business Income and Extra Expense (Optional for some businesses)*Employee Dishonesty Equipment Breakdown Coverage
Small Business Insurance-specific coverage options are also available, such as:
*Increased Fine Arts Coverage Accountants Endorsement *Lawyers Endorsement
* Medical and Dental Office Endorsement * Eating Establishment Endorsement
* Spoilage Coverage * Bailees Customers Goods Coverage
MRG conducts audits, on your behalf, of documents used by your Worker's Compensation and General Liability insurance carrier(s) and the National Council on Compensation Insurance, NCCI, multi-state rating bureau to establish your experience modification factors and insurance premiums for the current and prior policy years. MGR works hard to find any errors that may have been made by your carriers and the NCCI. We will do our best to maximize any refunds or credits that are owed to you for the current and prior policy years. We will gladly send you references attesting to our effectiveness, professionalism and integrity upon request.
Reasons to use MRG: There's an 80% probability that, in the past few years, your business has been inadvertently overcharged by your Worker's Compensation and General Liability insurance carriers due to overstated reserves, failure to apply credits for subrogated recoveries and other reporting errors that incorrectly increase your premiums. You may be entitled to refunds in premiums and state assessment charges potentially worth tens of thousands of dollars. These refunds would be in addition to dividends and other refunds already received. If we find errors made by your Worker's Compensation, General Liability insurance carriers or third party administrator, you'll keep 60% or more of the refund and 100% of future savings.We work on a contingency, "Pay for results only" basis. Therefore, no refund means no fee. We obtain and audit the documents used by your insurance carriers, third party administrator, and state rating bureaus or NCCI to calculate your premiums. We do not audit your records or ask your staff to do any work. We perform all the work and assume all the risk.
WORKERS COMPENSATION - SMALL BUSINESS INSURANCE
Workers Compensation coverage is a coverage that is available to be added to a variety of policy types to round out your insurance protection. Workers compensation insurance provides benefits to employees for work-related injuries. Coverage includes medical care and a portion of lost wages when the employee is unable to work. This insurance also provides benefits for the employee's dependents if the employee dies during work-related duty
CONTROLLING EMPLOYEE COSTS
MRG of Texas is a full service management company, taking care of all of your Human Resource needs. MRG can take care of your Insurance needs, including Workers Compensation Insurance, General Liability Insurance, Inland Marine Insurance, Commercial Auto, most any type of coverage that you need for your business or at home we are able to provide through our network of appointed insurance carriers.
Over the years we have become an alternative for employee leasing by saving our clients money compared to expensive employee leasing programs "'PEO's" but have maintained the ease of leasing for our clients. These services include but are not limited to:
Call In/Fax hours * Print payroll checks at your location and Input if you desire *General Ledger Interface *Full Tax / Mini Tax Service *Direct Deposit *Certified Payroll *Employee Deduction *Garnishments *Prepare and File all 940, 941 and furnish all W-2 and 1099's
At MRG of Texas, our goal is to help you save money and run your business more efficiently. We take the pain out of payroll processing and help you cut your costs by providing you with several alternatives to insure your business as well as providing coverage for your family needs as well.
Please contact your local MRG office and agent today - we do the work, you save the money!!!
MRG of TEXAS
GOVERNMENT SERVICES CONTRACTOR
We proudly serve as a Department of Defense Services Contractor.
541214, 541612, 561611, 524126, 312112, 811412, 611710, 484210, 532210, 561110.
Contractor for all over the United States of America.
The core of our business is getting companies out of expensive employee leasing arrangements. We realize that leasing is a popular option for many small to medium sized businesses due to the ease of its use. So we have developed a program that works with the same ease but rather will utilize your own workers compensation coverage for your company. You still fax in hours and we deliver payroll along with any number of reports, but with significant savings to your company.
Employee leasing offers no advantage and is very high priced.Often the leasing client is led to believe that in case of injury that the company would not or could not be held legally liable and that the liability would be on the leasing company. The reality is that this could not be further from the truth. In fact if you have been told this, ask for this statement in writing and see how far that goes. Legally, you are in a co-employer arrangement and the employee is under your direction and control and not the leasing companies as they are not on the job site or in your office. Check with your current provider and see what they have to say!!
MRG of Texas Can handle all of your business insurance needs. We are able to provide most types of coverages you need to operate your business in today's quickly changing markets.
We use only "A" Rated or better insurance carriers and provide a multitude of coverages ranging from General Liability and Workers Compensation to insuring all of the assets of your company through a Business Owners Policies. We have the ability to write many types of coverages for most types of businesses.
From your building, equipment and automobiles to any exposure you may have in your profession, MRG has the markets to minimize your risk. One of the greatest services we offer for you though is that an Independent Insurance Agency, MRG of Texas is not beholden to any one company and we are able to shop the markets for the most competitive and comprehensive coverages available. We find you the best deal, and as things change in your business we keep on looking for a better way to cover your business and operations. When is the last time your agent called you and said "I have some good news for you, I have found a better way to save you money"? At MRG it happens all of the time.
When it comes to insuring your business, MRG takes the hassle out of keeping your business safe and does the shopping for you.