WHO WE ARE
Underserved communities have always had difficulty securing reasonably priced and adequate coverages. This is even more true for businesses in these communities.
These inequities drove us to form Tribute Specialty
Our vision is to help our communities be better protected and resilient so that they can thrive.
Our mission is to offer products and a supporting network of services and tools with best-in-class coverages and equity-based pricing devoid of the bias prevalent in current models.
Our core values are based on our singular focus on our customers. Consistent, responsive, and living and growing with our communities.
We want to be the best at customer service in the insurance industry. We do this by focusing on our customers and agent partners at every step of the process, from the beginning to the end. We carefully choose the businesses and intermediaries we work with, as well as our carrier and claims management partners, to ensure that our customers have the best possible experience. We always ask ourselves if we can do more to make things easier for our customers and agents.
We are always working to improve our business and make it better for our customers. This is the best way to succeed in the long run. We know that relying on our industry knowledge to take advantage of our customers is not a sustainable business strategy.
We hope you'll give us a try and see for yourself how we put our customers first.
WHAT WE OFFER
Business Owner’s Policy
A Business Owner’s Policy (BOP) is a combination of general liability and commercial property insurance that helps small businesses protect against unexpected expenses related to property damage, medical payments, and lawsuits. It covers businesses with physical locations, equipment or inventory, and interactions with customers and the public. The cost of a BOP varies depending on the business's industry, location, and risks. A BOP covers all the items and general liability risks covered by commercial property insurance, as well as damage to other people's property, injuries to customers or vendors, and legal fees. Additional coverage can be added to a BOP, such as workers' compensation, commercial auto and other coverages and enhancements. A BOP provides the same amount of protection as a standalone general liability policy, with the added benefit of coverage for goods, gear, inventory, and the physical building.
Our BOP policy also includes an enhancement for Tools and Equipment Coverage
Tools & Equipment insurance is a type of insurance that provides coverage for tools and equipment used in various professions such as construction, plumbing, and cleaning businesses, among others. This insurance helps to pay for the replacement or repair of stolen, lost or damaged tools and equipment. It covers equipment owned by the insured, employee tools and clothing, and even borrowed equipment under the Select Pro or Pro Plus coverage. This insurance is important because it protects the insured from having to pay out of pocket for the replacement or repair of their essential gear.
COMPANIES WE WORK WITH
Flower Shops
Spread beauty and guard growth. Trust our insurance to protect your flower shop with care and passion.
Bike Shops
Explore the freedom of biking without worries. Safeguard your bike shop with our reliable insurance solutions.
Boutiques
Stay stylish and secure with our insurance protection. Elevate your boutique's success while we handle the risks.
Bakeries
Baking up dreams, worry-free. Protect your bakery with love and care through our reliable insurance.
Barbershops
Trim, shave, and safeguard. Your barbershop's success is our priority. Trust our insurance coverage for peace of mind.
Stylists & Designers
Unleash your artistic vision fearlessly. Our insurance shields your stylist or design business from unexpected challenges.
Many more types of small businesses
Flower Shops
Spread beauty and guard growth. Trust our insurance to protect your flower shop with care and passion.
Bike Shops
Explore the freedom of biking without worries. Safeguard your bike shop with our reliable insurance solutions.
Boutiques
Stay stylish and secure with our insurance protection. Elevate your boutique's success while we handle the risks.
Bakeries
Baking up dreams, worry-free. Protect your bakery with love and care through our reliable insurance.
Barbershops
Trim, shave, and safeguard. Your barbershop's success is our priority. Trust our insurance coverage for peace of mind.
Stylists & Designers
Unleash your artistic vision fearlessly. Our insurance shields your stylist or design business from unexpected challenges.