Business insurance is complex, confusing, and costly
LET’S FIX THAT

Protecting Business Owners Across the US

Expert Advisors you can trust

Click here and get started today

Signs You Need a New Business Insurance Broker

Do Any of these sound familiar?

Your trusted broker relationship has disappeared

Getting basic service is frustratingly difficult

Renewals arrive without any discussion

Feel like you’re overpaying but no one can explain it

Worried about the outcome of a claim

You May Be Experiencing a Significant Gap in Confidence

Your business is your most valuable asset

Let’s be honest about what’s at stake here.
Your business is responsible for your income, your lifestyle, your retirement, and your legacy. Protecting it should be priority number one.
Unfortunately, factors within the insurance industry have conspired against you, and now you’re in what we call “The Gap”. that uneasy feeling where confidence has waned, complexity has taken over, and the lack of clarity is making you nuts.

The Commercial Insurance Service You Deserve

Our Strategic approach

The Service Platform You Deserve

Complete clarity about your protection levels

Responsive service from people who know your business

Confidence that you’re getting fair value

Peace of mind that comes from having expert advocates

Risk Management Support

Proactive service Calendar and renewal process

Homepage Intro Video Thumbnail
Play

Watch This Video

Schedule My Assessment Call

“The $2.3 Million Claim That Almost Destroyed a ‘Fully Insured’ Business”
(And the 3 Critical Gaps Most Business Owners Don’t Know They Have)

You’re Not Alone

“We speak to dozens of business owners every week who are feeling this Confidence Gap and don’t know where to turn, until they find us.“

Industries We Serve

We work with growing businesses nationwide, typically companies with 10-300 employees across diverse industries. Some clients are a bit smaller, some a bit larger, but this range is where we do our best work.

Wholesalers and distributors’ insurance

Financial Services Firms

Technology Firms

Manufacturers

Auto repair shops

Your Trusted Insurance Advisor

I’m Gordon B. Coyle. And I’ve spent 40+ years watching the insurance industry change and not always for the better. What used to be a relationship business built on expertise and advocacy has become transactional and confusing.

my Background as an Insurance Broker

95+

Years of Family Legacy in Insurance

40+

Years Personal Experience

95%

Client Retention Rate

600+

Educational Videos

My MISSION

Building on a legacy from 1929, The Coyle Group was founded to be different: an insurance agency that understands what’s truly at stake. When your livelihood hangs in the balance, you deserve a partner who will fight for what matters most. This is my WHY.

Gordon B. Coyle, CPCU, ARM, AMIM, PWCA, CEO of The Coyle Group, a commercial insurance broker with more than 40 years of experience advising business owners across the United States. Gordon has spent his career helping companies understand their risks, structure smarter insurance programs, and avoid costly coverage gaps.

Meet the People Behind The Protection

You don’t want just any insurance broker. You want someone who understands your world, knows what’s at stake, and will go the extra mile for your business.

Karen Coyle

VP of Operations

Donna Richard

Senior Account manager

Taylor Chairez

Account manager

Caitlin Puckett

Account manager

Isabella Núñez

Digital MARKETING DIRECTOR

What Peace of Mind Looks Like

Client Testimonials

  • I have discussed a variety of complex business opportunities with Gordon revolving around importing and exporting specialty goods globally and his knowledge and expertise has been invaluable.
    He’s been able to pinpoint key risk issues and provide solutions effectively and efficiently and highly recommend him.

    John Luce
    CEO/Founder, Costa Rica Coffee Trade Group USA

  • Gordon goes beyond just being our insurance broker, but is truly a trusted advisor in our opinion. We know we can tap into his knowledge as well as his rolodex to help our business grow and succeed.

    Michael Soltoff
    CEO, Eggersmann USA

  • Experts in their field, quick to respond to questions, trustworthy and reliable. Our business has been with the Coyle Group for over 40 years

    Alison Frankel
    Associate Artistic Director, Coupe Theatre Studio

  • The Coyle Group is on top of things! Their team is incredibly responsive and professional with a comprehensive approach to all your insurance needs. Highly recommend.

    Sari Jepsen
    Director of Finance, Scandic Builders

  • The Coyle Group is 1st class! Gordon and his team are knowledgeable, responsive, and attentive to detail. Gordon is that rare breed of professional who genuinely cares for his clients, and works hard to exceed their expectations. I highly recommend them.

    Jeff Carton
    Partner, Denlea & Carton, LLP

  • The Coyle Group took time to understand our business and our needs and has offered us customized solutions. The staff is friendly, responsive, and above all, they really know the industry.
    Highly recommend!

    Victoria Shire
    Vice President HERE to HERE

  • Our company has been with The Coyle Group over 10 years, and we couldn’t be more thoroughly satisfied. Their knowledge, expertise and professionalism are unmatched by anyone else we’ve worked with. Very responsive and helpful team!

    Jaclyn Di Meo
    Director of Finance, T.A. Sciences

  • Gordon and his team are a tremendous resource for our firm since its founding. Their deep expertise and quick turnaround time on critical issues have been exemplary.

    Catherine Ryan
    VP of Operations, Jaguar Growth Partners

Questions?

Insurance reviews are NOT a quoting exercise, but instead are a thorough analysis of the coverage terms and conditions you have compared to the risks you face. A review should provide you with insight into how well your insurance policies are structured and coordinated. A good time to have a review performed is just about any time during the policy term. The best time is going to be about 3 or 4 months before your expiration/renewal so you can evaluate making the changes needed and price them into your renewal program.

Insurance reviews are NOT a quoting exercise, but instead are a thorough analysis of the coverage terms and conditions you have compared to the risks you face. A review should provide you with insight into how well your insurance policies are structured and coordinated. A good time to have a review performed is just about any time during the policy term. The best time is going to be about 3 or 4 months before your expiration/renewal so you can evaluate making the changes needed and price them into your renewal program.

For us, the process of managing risk starts with risk identification, and this is done through the evaluation of your loss history, a physical inspection of your premises or job sites, OSHA reports and conversations with leaders within your firm. Once we have identified the risks your business faces and the priority of those risks we can design a plan tailored to your specific needs. This can include safety documentation and communications, training, safety-culture awareness, fleet management, OSHA compliance, and more.

Loss runs are reports generated by your insurance companies that provide details as to the claims your company has incurred over a specific time frame; typically 3 to 5 years. Loss runs are needed in most cases for an insurance broker to quote your account because insurance-company underwriters will price your account based on your specific loss history. Have fewer claims than your peers and you’ll likely pay less for insurance. Have a greater number of claims or payouts and you’ll pay more than your peers for insurance.

BOP stands for Business Owners Policy and it was created in the mid-1980s to help simplify business insurance for small businesses. A BOP often will include at least two coverage parts: property coverage and liability coverage. In addition to those core coverage parts a BOP policy will automatically include dozens of “fringe” coverages needed by most businesses and the ability to add other coverage parts like umbrella to one policy, and billed on one bill.

No, for the most part if you decide to switch agents and/or insurance companies the process is pretty simple. It is advisable in most cases to make a change on the renewal date to avoid what is known as a “short-rate cancellation” penalty. Also, switching on a renewal date is cleaner and easier for everyone involved.

When it comes to commercial insurance there are “direct insurers” where you can buy insurance and they claim that going direct will save you money. But the simple fact is that someone has to service your account, answer questions, issue certificates of insurance, handle changes, and give you advice. Whether that’s an agent or an employee there’s a cost to it, so it’s hard to say which is less expensive. But what we believe is that business insurance is not a “do it yourself” type experience and having an expert guide you on the right types of insurance and limits to purchase is valuable. Also, when you buy direct, you’re dealing with an employee of the insurance company – who is their allegiance to? Their employer. In addition you can only buy the products that company sells. What happens when you need a product they don’t sell? When you buy from an independent agent or broker you are getting a much broader representation to the insurance marketplace and you’re working with an entrepreneur, like you, who is focused on helping you make the most informed decisions. Price/cost is important when it comes to insurance, but we think buyers should be thinking about value and who is going to give them the most value for their premium dollars.

This is a great question, because when you’re buying insurance, it may seem like there are endless questions and applications; especially if you’re looking for forms of insurance like D&O, Cyber, Employment Practice Liability Insurance and others. The basic reason we need to collect so much info is because underwriters need much of that info to make decisions on whether to issue a quote to you, and for determining the price of that quote. For most small-business BOP-type quotes we typically don’t need a lot of info to get the process started to offer you a proposal.

Business-insurance premiums are driven by a few factors: the state of the marketplace, your claim history, your company’s safety culture, and its ability to control risk. For larger firms these factors will weigh more heavily in the pricing of your insurance than for smaller firms. Regardless of the size of your company or your insurance spend, the more control you have over risk, the fewer claims you will have, and this helps reduce insurance costs. Need help in controlling risk? Ask us! We have tons of resources and expertise to help you in this area.

Data breaches are quickly becoming the most expensive type of claim a business can incur. If you have data, then you’re at risk. Protecting your data from external hackers as well as from internal mistakes made by employees is critical to protecting the “crown jewels” of your business. Preventing a breach includes the right mix of: 1. hardware such as firewalls; 2. software which is updated as well as intrusion detection, virus-protection programs, and lastly 3. Training, the most often overlooked prevention strategy. Ongoing training of your employees is critical to prevent accidental clicking of malicious links, falling prey to phishing schemes, failing to follow protocols when wiring money, and more. For more help on cyber-protection training, please contact us!

Think of breach-prevention as a layered defense: keep every system patched and behind next-gen firewalls, enforce strong passwords with multi-factor authentication, encrypt sensitive data in transit and at rest, limit users to only the access they need, run continuous phishing awareness training, maintain offline or immutable backups you’ve actually tested, and document an incident-response plan so everyone knows what to do if alarms ever ring. Together, those steps slash both the odds and the impact of an attack, while signaling to cyber insurers that you take security (and premium savings) seriously.

Schedule Your Insurance Confidence Assessment

In our 30-minute call, you’ll discover:

  • Whether your current coverage matches your actual risks
  • If you’re getting fair value for what you’re paying
  • How your service experience compares to what’s possible
  • What questions you should be asking but probably aren’t
Schedule My Assessment Call

Not ready for a call?

Get Free Access to Our Gated Video:
“How to Finally Feel Confident in Your Coverage. “

And discover the exact system we use to help business owners eliminate hidden coverage gaps, stop overpaying, and finally feel confident in their protection.