Business
Property, general liability, commercial auto, workers' compensation, umbrella, professional lines, and farm and ranch. Marketed across carriers so the program fits how you actually operate.
See business coverageKnow what you're buying.
Birch Creek Insurance Agency is an independent agency writing business and cyber coverage across Utah and Idaho, along with home, auto, life, and the toys. We shop your account across multiple carriers instead of fitting it to one carrier's appetite, and we take the time to go over what a policy does and doesn't do before you buy it.
What we place
Three areas of our business, marketed across carriers.
Cyber
The exposures a standard business policy wasn't written for — ransomware, fraudulent wire transfers, and breach response. Many owners find out during a claim.
See cyber coverage
Personal
Home, auto, umbrella, life, and the toys. We shop it across our carriers and tell you what you're actually buying.
See personal coverageMost business policies weren't written for the way businesses actually lose money now.
A controller wires $180,000 to a vendor account that isn't the vendor's.
A clinic's scheduling system is encrypted on a Friday afternoon.
A distributor is down nine days because their software provider was breached.
A standard business owners policy often will not respond to losses like these. Many businesses carry a cyber endorsement and assume it does. Three questions worth being able to answer about your current coverage:
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1
What is your cyber limit — and is fraudulent funds transfer inside it, sublimited, or absent?
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2
Does business interruption start immediately, or after a waiting period longer than you can absorb?
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3
If your primary software vendor goes down for a week, does anything respond?
One agent. Multiple carriers. No house to protect.
A captive agent has one company's products and one company's appetite. When that carrier's rates move or their underwriting tightens, you move with them or you start over somewhere else.
We're independent. We place coverage with multiple admitted carriers and, where the exposure calls for it, with specialty and surplus lines markets through appointed wholesale partners. When something changes — your rate, your risk, your business — we remarket instead of defending a single option.
Proactive service
We work to stay ahead of changes in the market and in your business, and we're available whenever something changes on your end. Keeping us informed of new vehicles, property, employees, or operations is the best way to make sure your coverage keeps up.
Coverage in plain terms
Limits, sublimits, and exclusions are where coverage actually lives, and they're worth discussing at the quote rather than at the claim. We'll walk you through the options in front of you so you can decide what to buy. The policy as issued governs coverage.
What clients say
“He helped us understand the needs for our business and took the time to explain and understand the coverage, unlike most insurance agencies!”
“Extremely honest, always in it to help his clients even if it costs him money.”
“Graham Parkinson is super knowledgeable, and quick to respond with great options. I highly recommend him!”
Let's start with a conversation.
We don't quote from a form. We start with a conversation about what you own, who's on the policy, and what would actually hurt if it went wrong. From there we market your account and bring back a written proposal you can compare line by line. No obligation, and no pressure to move anything.
Phone
(435) 303-3193Office
55 E 100 N, Suite 106
Logan, UT 84321
Hours
Monday–Thursday 9:00am–5:00pm
Friday 9:00am–3:30pm
Closed Saturday and Sunday