Exceeding Expectations Beyond Insurance

The DeHayes Group puts your needs first with quality service and knowledgeable expertise.

Meet Our TeamGet A Quote

DeHayes Group - Logo 800

blue-triangle

The Shape of Strength

A triangle is the strongest shape used in architecture. Each side having equal strength and responsibility to provide a secure structure. At the Dehayes Group, we build your insurance program using the same principle.

Clients
Our clients are our focus, because exceeding expectations is what we do best. Whether it’s building relationships or developing tailored insurance solutions, we’re there for you.

DeHayes
With over 30 years of industry experience, we know what it takes to get you the coverage you need and to advise you on the unique risks you face, offering dedicated service and trusted advice.

Insurance Partners
By partnering with more than 40 of the top insurance carriers, we have access to a wide variety of coverage options to bring you insurance solutions customized to your needs.

The ownership team echoes the thoughts of the late Bill Rush:

We have quality people—the best in the business—fostering genuine, personal relationships with our clients and carriers; that’s the key to our success and the success of our clients and carriers.
About Our Agency

About The DeHayes Group

Since The DeHayes Group started in 1982, our mission has always been the same—exceeding expectations beyond insurance. We still hold strong to that mission, providing outstanding levels of service and expertise to bring you the insurance solutions you need.

Licensed in 41 states, we specialize in a variety of business insurance, personal insurance, group employee benefits and financial services. As one of the largest privately-owned insurance agencies in the region, we represent more than 40 insurance carriers, insure over 1,300 businesses and 1,800 households and are responsible for the health insurance needs of more than 19,000 lives.

Business Insurance

We’ll thoroughly assess your business and develop cost-effective solutions that fit your needs.

Learn More

Personal Insurance

Our goal is to protect you from the unexpected through top quality insurance coverage.

Learn More

Employee Benefits

We can design an employee benefits program that makes sense for your company and employees.

Learn More

There’s more to insurance than the price of the policy.

Explore our interactive graphics and learn about your unique risks and the related insurance solutions.

Business InsurancePersonal InsuranceEmployee Benefits
Business

Business Owners Policy (BOP)

Risk Factor

As a business owner, you've worked hard to build a solid business. But what happens when the unexpected happens? Are you covered?

Solution

A business owners policy is uniquely designed to protect your most important assets, including your business, its continuation, your employees, and your way of life. Discuss the details of this coverage with your agent and ensure that you're protected.

Errors and Omissions Liability (E&O)

Risk Factor

If you perform services for others, you are at risk of not doing the work correctly (errors) or not doing it at all (omissions). Lawsuits can arise claiming the error or omission harmed your client and caused them a financial loss.

Solution

Errors and omissions liability insurance protects any business that gives advice, makes educated recommendations, designs solutions, or represents the needs of others. Ensure you have this important coverage if you perform services for clients.

Directors and Officers Liability Insurance (D&O)

Risk Factor

Directors and officers (such as board members) are exposed to increased risk factors and are held accountable for acts that claim negligence in the performance of their duties. Any resulting lawsuits are typically expensive to defend, resulting in potentially large settlements.

Solution

Obtain comprehensive coverage to protect senior individuals of your company. Directors and officers liability insurance provides coverage for the legal costs to defend a covered lawsuit and provides the money necessary for any settlement beyond the defense costs.

Commercial Umbrella

Risk Factor

What happens when your business faces a large liability loss that exceeds the basic limit of your standard policy?

Solution

A commercial umbrella policy provides high limits of insurance, typically between $2,000,000 and $10,000,000. Coverage is extended over your general liability insurance, workers' compensation, business auto, as well as directors and officers liability coverage. It provides a great safety net and helps ensure your business is well protected.

General Liability

Risk Factor

Businesses are susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more.

Solution

General liability insurance is an absolute necessity for any business. It provides broad coverage when you are deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.

Crime and Fidelity Bond

Risk Factor

What will you do if one of your trusted employees is found guilty of doing something dishonest?

Solution

Crime and fidelity coverage is designed to provide coverage for employee dishonesty, forgery and depository, theft, destruction and disappearance, and more. Discuss the details of this coverage with your agent to learn more.

Environmental Insurance

Risk Factor

Could your business cause damage to the environment? If so, are you covered?

Solution

Environmental insurance provides protection if an environmental catastrophe occurs.

Systems Breakdown

Risk Factor

With technology performing many tasks in today's world, a breakdown can cause a significant financial burden, including the cost to repair the equipment, the interruption of your business, as well as any lost income and extra expenses.

Solution

Comprehensive coverage provides protection against equipment mechanical breakdown. Discuss the details of what's covered with your insurance agent.

Workers' Compensation and State Disability

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

State disability and workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law, so be sure that you have it.

Business Auto Insurance

Risk Factor

An auto accident can cause bodily injury or property damage to others for which you are responsible, potentially putting your business in financial jeopardy.

Solution

Business auto insurance provides coverage for vehicles owned or leased by a commercial enterprise and provides coverage for bodily injury, property damage, and other coverages, and includes both comprehensive and collision coverage.

Employment Practices Liability Insurance (EPLI)

Risk Factor

On average, it's estimated that three out of five businesses will be sued by their employees. While there is nothing you can do to prevent someone from filing a lawsuit, there is something you can do to limit the costs of defending a legal claim.

Solution

Obtain employment practices liability insurance to protect your business and its directors, officers. and employees from alleged employment-related acts such as wrongful termination, failure to promote, discrimination, and sexual harassment.

Cyber Liability

Risk Factor

The Internet has spun a whole new web of liability exposures. E-commerce, social networking, cloud storage, and other technologies bring great benefits to large and small businesses alike. But with these benefits also come challenges, including protection of privacy, data, and financial information of your customers.

Solution

Cyber liability coverage covers unauthorized access to electronic data or software within your network. It also provides coverage for spreading a virus, computer theft, extortion, or any unintentional act, mistake, error, or omission made by an employee. This coverage is quickly becoming more and more important as you embrace technology to help run your businesses.

Business Income

Risk Factor

What would you do if a fire impacted the operation of your business? Or what if a pipe leak caused a system outage or extended downtime? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.

Solution

Business income insurance compensates you for lost income if the business cannot operate as normal due to damage that is covered under your commercial property insurance policy, such as fire or water damage. Business interruption insurance covers the revenue you would have earned, based on your financial records, had the incident not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.

Commercial Property

Risk Factor

Your business property is a significant financial investment. What if something happens to it?

Solution

Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Keystone-Logo-White

The DeHayes Group + Keystone

We are proud members of Keystone Insurers Group.

Learn More

Awesome Associations

Over the more than three decades we’ve been in business, we’ve developed partnerships with a wide variety of local and national associations. By doing so, we’re able to stay on top of the ever-changing insurance industry to better serve the needs of our clients.

Latest Articles

Read the latest insurance articles, insight and news from The DeHayes Group.

View Blog
October 26, 2020 in Insurance, Wellness

COVID-19 Return To Work Solution

Help identify and mitigate COVID-19 risk to your organization with our comprehensive Return to Work Solution assessments. We combine real-time…
Read More
October 20, 2020 in Insurance

Home Matters: Updating Your Address When You Move

[] Although it can be an exciting experience, moving to a new home also comes with a wide range of…
Read More
October 15, 2020 in Wellness

Raw or Cooked Veggies: Which Are Better for You?

Eating more vegetables is an important way to get more of the vitamins, minerals, and essential nutrients that you need.…
Read More

The DeHayes Group Client Portal

Manage your account with us quickly and easily!

Report Claim
Request Policy Change
Request Certificate
Request Auto ID Card
Policy Review

DeHayes Group - Logo 800

View Our Resources

One-stop solution for 24/7 access to your insurance information, HR tools and communication needs.

View More Resources