INDEPENDENT INSURANCE BROKER
Coverage built around you, and a broker in your corner.
Zebella Group is an independent broker for personal and commercial insurance. We shop your coverage across insurance carriers and stay with you long after the policy is placed.
02 / FOR YOUR HOME AND FAMILY
Personal Insurance
Home and auto coverage shopped across carriers, with an advocate on your side when you file a claim
Explore personal
WHY A BROKER
A broker works for you, not for one insurance company.
An insurance company's own agent can only offer that company's policies. As an independent broker, we compare options from multiple carriers and recommend the coverage that fits you.
OPTION 1
Buying direct from a carrier
You work with one company (carrier) via their website or call center and have to figure out coverage on your own. When a claim comes up, you handle it yourself.
OPTION 2
Captive Agent
An agent who represents a single insurance company. They can only offer that company's policies and prices, even if there is an other carrier who is a better fit for you.
THE ZEBELLA WAY
Independent broker
We represent you, not a carrier.
That means:
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Options from multiple insurance carriers
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Straight answers on what each policy covers and what it leaves out
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One point of contact for quotes, renewals, and claims
CLAIMS ADVOCACY
A claim is where your broker earns their keep.
Whether it is a jobsite injury or a hail damaged roof, we stay involved from the first phone call so your claim is handled right and closed out.
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Report it right
Fast, accurate first reports and guidance on what to do in the first 24 hours.
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Work the claim
We stay in contact with the adjuster, question anything that looks off, and keeps you informed.
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Get on track
Repairs, replacement, or return to work, we help you get back on track.
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Prevent the claim
We look at what caused the loss, so the claim becomes a lesson instead of a pattern.
01 / COMMERCIAL
For your business.
Price wins a renewal. Fewer losses win every renewal after it. We place your coverage, then work your risk all year.
BUSINESS COVERAGE
THE POLICIES WE FIT TO YOUR NEEDS
BUSINES OWNERS POLICY (BOP)
Property and liability bundled in one policy, built for smaller operations.
COMMERCIAL AUTO
Fleet coverage backed by driver selection guidance and vehicle safety practices.
INLAND MARINE
Coverage for tools, machinery, and equipment on the move.
WORKERS COMPENSATION
Placement paired with mod analysis, class code review, and return to work support.
COMMERCIAL PROPERTY
Buildings, equipment, inventory, and business income.
CYBER LIABILITY
Protection against data breaches, ransomware, and the cost of getting back online.
GENERAL LIABILITY
Premises and operations coverage, with contract and certificate requirements handled.
UMBRELLA AND EXCESS
Higher limits above your primary policies for contracts that require them.
PROFESSIONAL LIABILITY (E&O)
Coverage for claims that a mistake in your advice, design, or services caused a client a loss.
RISK AND LOSS CONTROL
SAFETY AND LOSS CONTROL SUPPORT, ALONGSIDE YOUR COVERAGE
Most businesses with 15 to 250 employees do not have a full time safety director. We help fill the gaps with practical safety and loss control support, scaled to what your operation needs.
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LOSS AND MOD REVIEW
A plain reading of where your experience mod is heading, the claims driving it, and what to fix first.
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HIGH RISK OPERTIONS OVERSIGHT
Direct oversight on the work that hurts people and drives claims, from confined space to energized systems.
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TRAINING AND TOOLBOX DELIVERY
Competency based training for supervisors and crews, documented to satisfy standards and prequalification.
S / 02
OSHA COMPLIANCE & GAP ANALYSIS
A ground truth audit of where you stand against OSHA and federal standards, with a ranked plan to close it.
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LOSS CONTROL ADVISORY
Mod analysis, claims strategy, and the loss control your carrier and agent want to see at renewal.
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ONSITE AND REMOTE SUPPORT
Scheduled site presence plus a safety professional on call for the question that cannot wait for the next visit.
S / 03
JHA AND JSA DEVELOPMENT
Task level hazard analysis your crews will read, tied to the controls and training that make it enforceable
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INCIDENT INVESTIGATION
Root cause investigation and corrective action that closes the finding and keeps it off the next inspection.
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ANALYTICS AND REPORTING
Claims trends, loss ratios, and mod projections turned into clear reports you can act on.
WHAT A MOD ABOVE 1.00 ACTUALLY COST
A NUMBER YOU DID NOT CHOOSE IS PRICING YOUR RISK
Your experience modification rate follows your claims history for three years. Left alone, it quietly loads your premium and greatly impacts your bottom line, eats into your profit margin, and can keep you out of future contracts and bids.
HOW THE MATH WORKS
Mod of 1.00 Standard Premium
Mod of 1.20 20% surcharge
Mod of 1.20 15% credit
Applied to every payroll dollar, every renewal, until the claims age off
START HERE
THE LOSS RUN AND MOD REVIEW
Send us your loss runs and your workers compensation policy. We read what your carrier already knows about you, and hand back a plain reading of where your mod is heading and what is driving it.
[+] Three year mod trajectory and premium impact
[+} The claims and rot cause of what is moving your numbers
[+} A ranked list of what to fix first
[+} Where you stand against the industry
No obligation, and no pressure to retain us afterward. It is the fastest way to see whether a safety department pays for itself.
THE MODEL
A FULL SAFETY FUNCTION, SIZED TO YOUR PAYROLL
Hiring a safety director, manager, supervisor costs a salary, benefits, and the ramp time to build every program from scratch. Most employers between fifteen and two hundred fifty people do not have that budget, and cannot afford the gap either.
Zebella Group is the here to support. You get an outsourced Loss Control that already knows EPA, OSHA, FDA, ISO, the insurance impacts, and the prequalification platforms included with choosing Zebella Group as your independent insurance broker. We help handle the program so your supervisors can run the job.
INDUSTRIES
BUILT FOR THE WORK YOU DO
Whatever your business does, we can help protect it. Every industry and every size of business is welcome here.
Not sure what you need?
Tell us about your business and we will walk you through the coverage that fits, with no obligation.
02 / Personal
For your home and your family.
The same risk first approach, applied to the things that matter most at home
PERSONAL COVERAGE
Protection for where you live and what you drive.
Homeowners
Coverage for your home and belongings, reviewed every year as your life changes
Personal Auto
The family vehicles, quoted alongside your home for one simpler relationship
Life and Health
Coming soon.
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Shopped across carriers
We compare options so you are not locked into one company's pricing
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Reviewed every year
New car, remodel, or teen driver, your coverage keeps up.
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Bundled when it helps
Home and auto together when it makes sense for your coverage and your budget
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Help when you file
An advocate who walks you through the claim instead of a phone
ABOUT
Built on the risk side of insurance.
Zebella Group grew out of loss control field inspections, workers compensation, and OSHA compliance work across construction, manufacturing, and general industry. That background shapes how we broker.
We look at your risk the way an underwriter will, help fix what we can before it becomes a claim, and present it to carriers as the risk it truly is. For a business or a household.
LICENSED
Property and casualty broker
WRITING
Personal and commercial lines
APPROACH
Bundled when it helps