Business Solutions for the Real World
Give us a call to get started! 304.935.2002
Business Solutions for the Real World
Give us a call to get started! 304.935.2002
Our Products and Services
Business Insurance, Employee Benefits, and Risk Management Solutions
Centurion Insurance Services helps businesses protect their people, property, operations, and future with insurance solutions built around their unique needs. From property and casualty coverage and employee benefits to specialized healthcare, energy, manufacturing, and loss control services, our team helps you manage risk and build a stronger insurance program.
Insurance and Risk Management Solutions Built Around Your Business
Every business faces a different mix of risks, responsibilities, and opportunities. At Centurion Insurance Services, we help you build an insurance and risk management program around the needs of your organization rather than taking a one-size-fits-all approach.
Our team provides a broad range of property and casualty coverage, employee benefits, industry-specific insurance solutions, loss control resources, and healthcare insurance. Whether you need to protect your property and people, manage workplace risks, or address more complex industry exposures, we can help you evaluate your options and develop a solution that makes sense for your business.
Schedule a call with Centurion Insurance Services to discuss your coverage and risk management needs.
Protecting a business involves more than insuring a building. Your vehicles, equipment, employees, leadership team, contracts, and day-to-day operations can all create different exposures. Centurion Insurance Services offers property and casualty insurance solutions that can be tailored to the way your organization operates.
Boiler and Machinery
Help protect essential equipment and systems against losses caused by covered equipment breakdowns, including machinery, boilers, and electrical systems.
Bonds
Surety and commercial bond solutions can help your business satisfy contractual, licensing, regulatory, and other financial guarantee requirements.
Commercial Auto
Coverage for vehicles used in your business, helping address exposures involving company vehicles, drivers, liability, and physical damage.
Directors and Officers
Designed to protect directors and officers when claims arise from alleged wrongful acts, management decisions, errors, or breaches of duty.
Employment Practices
Protection for your organization against certain employment-related claims, including allegations of discrimination, harassment, retaliation, and wrongful termination.
General Liability
Helps protect your business from common third-party claims involving bodily injury, property damage, personal injury, and other liability exposures.
Liability Coverage
Liability protection can be structured around your operations, contractual obligations, industry, and the specific risks your business encounters.
Property Coverage
Protect your buildings, equipment, inventory, and other business property against covered causes of loss.
Professional Liability
Coverage designed for claims involving alleged professional errors, omissions, negligence, or failure to provide services as expected.
Umbrella
Additional liability protection that can provide higher limits above qualifying underlying business insurance policies.
Workers Compensation
Coverage designed to help protect both employees and employers when job-related injuries or occupational illnesses occur.
A well-planned benefits program can help you support your employees while balancing the needs and resources of your organization. We work with employers to develop benefit programs that provide meaningful options for their workforce.
Group Medical, Dental and Vision
Bring core health benefits together with medical, dental, and vision plan options designed around the needs of your employees and organization.
Short and Long-Term Disability
Disability benefits can provide employees with partial income replacement when a qualifying illness or injury prevents them from working.
Basic Life and Accidental Death and Dismemberment
Employer-sponsored life and AD&D benefits provide an additional level of financial protection for employees and their families.
Health Savings Accounts (HSA)
HSA-compatible benefit options allow eligible employees to set aside money for qualified healthcare expenses while receiving applicable tax advantages.
401(k) Plans
Retirement plan solutions that give employees a tax-advantaged way to save for the future while helping employers strengthen their overall benefits package.
Section 125 Plans
Helps protect your business from common third-party claims involving bodily injury, property damage, personal injury, and other liability exposures.
Worksite Benefits
Additional benefits offered conveniently through the workplace can complement your organization's primary employee benefit plans.
Voluntary Benefits
Give employees the option to select and pay for additional forms of protection while helping employers expand their benefits offering without substantially increasing benefit costs.
Key Person
Life or disability coverage designed to help reduce the financial impact a business may experience if a key owner or employee dies or becomes disabled.
Energy, manufacturing, construction, and related industries often face exposures that require more specialized insurance and risk management strategies. Centurion Insurance Services provides solutions designed to address the operational, workforce, liability, and contractual risks found in these industries.
Primary General Liability, Commercial Auto and Workers’ Compensation
Core insurance protection for energy and manufacturing operations, bringing together important liability, vehicle, and employee-related coverages.
Excess Workers’ Compensation
Additional workers' compensation protection for organizations with complex exposures, higher limit requirements, or self-insured programs.
Construction Liability
Liability protection for contractors and construction-related operations, including exposures arising from projects, job sites, and third-party injury or property damage.
Public and Products Liability, and Onshore and Offshore Liability
Specialized liability solutions that address public and product exposures as well as risks associated with onshore and offshore operations.
Dedicated Loss Control
Risk management support focused on identifying hazards, improving workplace practices, and helping your organization reduce preventable losses.
Full Umbrella Coverage and Extensions
Broader excess liability protection designed to increase limits and strengthen coverage above qualifying underlying insurance policies.
Global Programs
Coordinated insurance solutions for organizations with international locations, employees, operations, or contractual responsibilities.
Claims
Support throughout the claims process, from reporting a loss and gathering documentation to coordinating with the appropriate parties as the claim progresses.
Customized General Liability, Pollution & Watercraft Coverage
Specialized liability solutions for complex industry exposures, including pollution-related risks, contractor operations, and owned or non-owned watercraft.
Insurance is only one part of managing risk. We also provide loss control resources designed to help organizations identify potential hazards, strengthen safety procedures, understand compliance requirements, and reduce the likelihood or severity of preventable losses.
Business Drivers’ Packet
Practical driver safety materials that help businesses establish expectations, communicate safe driving practices, and manage fleet-related risks.
Corporate Safety Manuals
Customized manuals that organize your company's safety policies, procedures, responsibilities, and risk-control practices in one accessible resource.
Employee Policy Manuals
Clearly documented workplace policies help your employees understand company expectations, procedures, responsibilities, and standards.
Risk Management Checklists
Practical checklists make it easier to identify common risks, document existing controls, and maintain more consistent safety practices.
Risk Management and Safety Classes
Training programs designed to help employees recognize workplace hazards and understand safer ways to perform their responsibilities.
W.C. Cost Control Measures
Workers' compensation cost-control strategies focused on areas such as injury prevention, prompt reporting, return-to-work practices, and claims management.
Workplace Inspection Forms
Structured inspection forms help your organization regularly document workplace conditions, identify hazards, and record corrective actions.
OSHA Compliance Assistance
Resources and guidance to help businesses better understand applicable OSHA requirements and strengthen workplace safety practices.
Top OSHA Citations by Industry Group
Industry-specific information highlighting frequently cited OSHA issues so your organization can identify potential compliance priorities.
Copies of Specific OSHA, DOT & NFPA Regulations
Access to relevant regulatory information that can support workplace safety programs, employee training, and internal compliance reviews.
Workers Compensation Cost Control Assistance
Hands-on support aimed at controlling workers' compensation expenses through improved safety practices, claims review, and return-to-work planning.
Copies of DOT Regulations, Inspection Protocol & Most Commonly Issued Violations
Resources covering DOT requirements, inspection procedures, and frequently issued violations to help businesses strengthen transportation compliance efforts.
Business Contingency & Cyber Security Assistance
Planning resources that can help your organization prepare for operational interruptions, cyber incidents, and other events that could disrupt normal business activities.
Building Valuations
Building valuation reviews help businesses evaluate estimated replacement costs and make more informed decisions about property insurance limits.
Carrier Recommendation Guidance
Assistance evaluating potential insurance carriers based on your organization's coverage requirements, risk characteristics, service needs, and available programs.
Claims Analytics Reports
Claims data can be organized and reviewed to identify trends, recurring loss drivers, and opportunities for improved risk management.
County Natural Disaster Rankings
Location-specific information provides additional insight into natural catastrophe and weather exposures that may affect your properties and operations.
Fire Protection Reviews
Evaluate existing fire protection systems and procedures to identify potential gaps and opportunities to improve property loss prevention.
Flood Zone Evaluations
Review the flood exposure associated with a property to better understand the risk and evaluate appropriate insurance considerations.
Basic Infrared Survey Reports
Infrared survey information may help identify unusual heat patterns in electrical or mechanical systems before they contribute to equipment damage or fire.
Survey Reports to Carriers
Organized risk survey documentation can be provided to insurance carriers to assist with underwriting, recommendations, and coverage discussions.
Healthcare organizations face a unique combination of professional, operational, property, employment, cyber, and management risks. Centurion provides insurance solutions for physicians, practices, hospitals, assisted living facilities, skilled nursing facilities, and other healthcare organizations.
Assisted Living Facility Insurance
Insurance programs designed around the professional, property, employment, liability, and operational exposures of assisted living facilities.
Skilled Nursing Facility Insurance
Coverage tailored to the clinical, workforce, property, and day-to-day operational risks faced by skilled nursing facilities.
Physician Malpractice Insurance
Professional liability coverage that protects physicians when claims arise from alleged medical negligence, errors, or omissions.
Hospital Professional Liability Insurance
Professional liability solutions for hospitals and healthcare organizations facing claims connected with patient care and clinical services.
Physician Group Insurance
Insurance programs structured around the shared risks of physician groups, including their providers, employees, facilities, and operations.
Physician Owned Professional Liability Insurance
Professional liability solutions developed for physician-owned practices and the clinical, operational, and ownership exposures they encounter.
Participate in Dividend Payments
Certain eligible healthcare insurance programs may offer opportunities to participate in dividend payments based on program performance, underwriting results, and applicable terms.
Large Premium Discounts Available
Qualifying healthcare organizations may be eligible for premium discounts depending on factors such as their risk characteristics, program eligibility, and coverage structure.
Free Tail at Retirement
Certain qualifying professional liability programs may provide retirement tail coverage without an additional premium, subject to applicable policy requirements and terms.
Healthcare Property Insurance
Coverage for healthcare facilities, equipment, furnishings, and other physical business property against covered losses.
Healthcare Auto Insurance
Commercial auto protection for vehicles used by healthcare organizations, including coverage for qualifying drivers, liability, physical damage, and transportation exposures.
Healthcare Cyber Liability Insurance
Protection designed for cyber and privacy risks affecting healthcare organizations, including data breaches, ransomware, system interruptions, and exposures involving protected health information.
Directors & Officers
Protection for healthcare directors and officers against certain claims arising from management decisions, governance responsibilities, and alleged wrongful acts.
Healthcare General Liability
Coverage for common third-party liability exposures within healthcare operations, including qualifying claims involving bodily injury and property damage.
Healthcare Employment Practices Liability
Protection against certain employment-related claims involving healthcare employees, including allegations of discrimination, harassment, retaliation, and wrongful termination.
Healthcare Umbrella Liability
Additional liability limits above qualifying underlying healthcare policies, helping provide another layer of protection for significant liability exposures.
Healthcare Surety and Commercial Bonds
Surety and commercial bond solutions that can help healthcare organizations satisfy applicable licensing, contractual, regulatory, and financial guarantee requirements.
Insurance Solutions Designed for the Real World
The right insurance program should reflect how your organization actually operates. At Centurion Insurance Services, we take the time to understand your business, your people, your assets, and the risks you face so we can help you evaluate coverage and risk management solutions that fit your needs.
Whether you are reviewing an existing insurance program, adding employee benefits, looking for specialized industry coverage, or working to strengthen your loss control strategy, our team is ready to help.
Contact Centurion Insurance Services today to discuss your insurance and risk management needs.
Phone: 304.935.2002
Address: 1001 Virginia St. East, Suite 100, Charleston, WV 25301