Business Details
Customized Business Insurance Solutions
Navion Insurance Associates operates as a strategic partner in risk management, offering tailored insurance solutions for businesses across diverse industries. With professionals averaging 20 years of industry experience, we prioritize understanding each client's unique operational landscape to design policies that mitigate liabilities while optimizing cost efficiency. Our approach combines proactive risk assessment, customized coverage structuring, and dedicated post-policy support to ensure insurance programs align with business objectives rather than functioning as generic expenses.Through partnerships with multiple insurers, we maintain independence to advocate for clients' interests without allegiance to specific carriers. Our loss control advisors specialize in identifying exposure points before claims occur, distinguishing our service from agencies that merely facilitate transactions. This methodology addresses common industry pitfalls where inadequate policies create coverage gaps, potentially exposing businesses to significant financial risks.
Services
Business Owners Insurance
Cyber Liability Insurance
General Liability Insurance
Property Insurance
Workers Compensation
Directors & Officers Insurance
Private Client Insurance
Franchise Insurance
Craft Brewery Insurance
Technology Startups Insurance
Highlights and features
- We operate as an independent agency with access to multiple insurance carriers
- Our team includes dedicated loss control advisors for proactive risk management
- We structure policies based on comprehensive business-specific risk assessments
- We maintain no allegiance to specific insurers, prioritizing client interests
- We focus on minimizing total cost of risk rather than just premium costs
What people say
Exceptional personal service
Highly recommend Navion Insurance Associates
Saved substantially on premiums
Improved our coverage quality
Dedicated to client's best interests
Services
Business Owners Insurance
This comprehensive solution combines property, liability, and business income coverage into a customized package. Designed for businesses requiring multiple protection layers, it addresses risks like equipment breakdown, data breaches, and employment practices liabilities. Policies are tailored to specific operational needs, considering factors like business age, asset value, and industry-specific exposures.
Cyber Liability Insurance
Specialized coverage for data security incidents protects against financial impacts of data breaches. Includes defense costs for regulatory compliance issues, breach response expenses, and liability claims. Services cover notification costs, credit monitoring, and reputation management. Policies address risks from hacking, device theft, and accidental data exposure across various business sizes.
General Liability Insurance
Protects against financial losses from bodily injury, property damage, and legal liabilities. Covers medical expenses for premises injuries, defense costs for lawsuits, and product liability claims. Streamlined policies ensure protection across the 'stream of commerce' model, preventing gaps in liability coverage for businesses in supply chains.
Property Insurance
Comprehensive protection for business-owned or leased property including buildings, equipment, and inventory. Covers losses from theft, weather damage, and vandalism. Additional protections extend to third-party property in business possession. Policies include business interruption coverage to maintain operations during recovery periods.
Directors & Officers Insurance
Financial protection for corporate leaders against claims from investors, customers, or regulators. Covers legal defense costs and settlements for allegations including misrepresentation or fiduciary breaches. Policies protect both business and personal assets, with customizable coverage for for-profit, nonprofit, and educational institutions.
People
Eric Magee
President
With over 25 years in insurance, Eric transitioned from underwriting to agency leadership. He previously managed a regional wholesale firm and now focuses on direct client relationships. Active in insurance education, he collaborates with California State University's Center For Insurance Studies.
Chad Bitterlich
Vice President
Bringing 25+ years of underwriting expertise, Chad specializes in commercial lines and workers' compensation. His career spans roles at regional carriers and wholesale brokers. A UC Irvine graduate, he focuses on applying technical underwriting knowledge to client solutions.
Questions
What makes Navion different from other insurance agencies?
As an independent agency, we work with multiple carriers to find optimal coverage rather than selling proprietary products. Our dedicated loss control advisors proactively identify risk exposures before claims occur.
How do you handle specialized insurance needs?
We create customized policies for niche industries including craft breweries, technology startups, and unmanned aircraft systems. Our specialists understand unique risks in life sciences, manufacturing, and professional services sectors.
What risk management services do you provide?
Our team conducts comprehensive exposure assessments, offers loss control recommendations, and structures policies to limit liability transfer. We focus on proactive risk elimination rather than just coverage procurement.
How do you help control insurance costs?
We analyze total cost of risk rather than just premiums. Through proper policy structuring and risk mitigation strategies, we often reduce overall costs while improving coverage quality.
What industries do you specialize in?
We serve manufacturing, technology, professional services, retail, life sciences, and franchise operations. Specialized programs exist for emerging sectors like tech startups and unmanned aircraft systems.
How do you support clients during claims?
We advocate for clients throughout the claims process, leveraging our carrier relationships to ensure fair treatment. Our team provides documentation support and helps navigate complex claims procedures.
