Business
Employee Benefits
Employee Benefits
Employee Benefits
Employee Benefits
Employee Benefits
Individual Policy
Employee Benefits
Individual Policy
Personal PC
Voluntary Benefits Individual
Individual Policy
Voluntary Group Benefits
Voluntary Benefits Individual
Voluntary Benefits Individual
Voluntary Benefits Individual
Voluntary Benefits Individual
Voluntary Benefits Individual
Business
Business Owner's Policy (BOP)
A Business Owner's Policy (BOP) is recommended for most small businesses, as it is often the most affordable way to obtain broad coverage. Combining both property and liability insurance, a BOP will cover your business in the event of such events as property damage, suspended operations, or lawsuits resulting from bodily injury or property damage to others.
Automobile
A commercial automobile policy provides coverage for legal liability for others' bodily injury or property damage arising out of the use of your business automobiles. Physical damage coverage protects your vehicles in case of accident or damage or damage caused by fire, hail, and other risks. You can designate coverage for owned vehicles as well as leased hired and/or borrowed vehicles. More coverage options are also available.
Commercial Package Policy (OMNI)
A Commercial Package Policy ("CPP") is a customized package of two or more coverage forms. The package policy is comprised of the same coverage forms that are used when separate (monoline) policies are written. A premium discount is generally granted when separate coverage parts are purchased as part of a Commercial Package policy. The most common coverage forms include commercial property, commercial general liability, inland marine, crime, equipment breakdown, and commercial auto.
Umbrella
With an Umbrella Liability Policy in place, there are fewer worries about depleting valuable business assets or future income to cover catastrophic liability claims. An Umbrella Liability Policy supplements your existing policy's general liability, auto liability and employers liability limits
Workers' Compensation
Workers' compensation insurance provides benefits to employees for work-related injuries. Coverage includes medical care and a portion of lost wages when the employee is unable to work. This insurance also provides benefits for the employee's dependents if the employee dies during work-related duty.
Other Important Business Owner Products
Directors & Officers Liability
A company directors and officers can be sued over their management decisions by a whole host of constituents.
Employment Practices Liability
Employers face a rising tide of employment practices litigation alleging discrimination, sexual harassment, retaliation, and other torts. Insurance protection, loss control expertise and services, and partnership approach set us apart from other insurers.
Errors & Omissions Liability
Professional firms are constantly at risk of being sued over the services they perform. Even if a lawsuit has no merit, defending against one can be costly.
Fiduciary Liability
Under ERISA, fiduciaries can be held personally liable for losses to a benefit plan incurred as a result of alleged errors, omissions, or breach of their fiduciary duties.
Internet Liability
Any organization operating a Web site or conducting e-business needs protection from an invading army of exposures, such as e-theft, destruction of critical data, defamation, libel, copyright or trademark infringement, e-vandalism, e-threats, denial of service, and more.
Key Person Insurance
Key person insurance is a particular type of life insurance policy taken out by a company on one of their employees, in which the company is the beneficiary in the case of that employee's untimely demise. Key person insurance is a relatively new phenomenon, but has attracted much praise and is encouraged by many strategic advisors. Life insurance is basically a system by which a fixed amount of money is paid to a beneficiary in the event that the person being covered dies.
Business Overhead Expense Insurance
Business overhead expense (BOE) insurance is designed to reimburse a business for overhead expenses in the event a business owner becomes disabled. This is not the same as personal disability insurance which usually pays benefits to age 65. A business overhead expense policy pays a shorter benefit of one to two years after a waiting (elimination) period. It is generally considered that no business can stay open more than two years if the owner is disabled and the business will either be shut-down or sold.
Employee Benefits
Dental
Plan designs including administrative services only (ASO), preferred provider organization (PPO), and pre-paid along with innovative features, such as Maximum Rollover and coverage for dental implants.
FSA
An FSA allows an employee to set aside a portion of his or her earnings to pay for qualified expenses as established in the cafeteria plan, most commonly for medical expenses but often for dependent care or other expenses. Money deducted from an employee's pay into an FSA is not subject to payroll taxes, resulting in a substantial payroll tax savings.
Disability
Short-term and long-term disability with enhanced benefit options, such as telephonic claims submission and pension contribution protection.
HSA
A tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a High Deductible Health Plan (HDHP).
Life
Term Life, Accidental Death & Dismemberment (AD&D) and Group Universal Life with value added options available such waiver of premium, and retained asset accounts. where they are.
Individual Policy
Life Insurance
Term Life
For those looking for the coverage they need at a cost they can afford or have a specific need for a certain period of time, term insurance is often a good option.
Permanent Life
For others who prefer the added flexibility and security that owning life insurance for their entire lives can offer, permanent insurance is typically purchased. In many instances, people find that their objectives are best met with a combination of both term and permanent insurance.
Whole Life
Whole life insurance provides protection for a lifetime as long as premiums are paid. It offers guarantees that you can find in other forms of life insurance, including guaranteed premiums that will not increase, a guaranteed death benefit and guaranteed cash value growth.
Universal Life
Universal life insurance provides lifetime death benefit protection along with flexibility that gives you choices as your needs and finances change. It offers options such as coverage amounts that may be increased or decreased, and premiums that you can vary based on your finances as long as there is enough money in the account to pay for the monthly insurance and administrative charges.
Survivorship Life
Survivorship life insurance covers the lives of two individuals with one policy. It pays a death benefit after both insured have died. The cost for this policy is usually lower than the cost of two individual policies.
Long Term Care Insurance
Long term care is a variety of services and supports to meet health or personal care needs over an extended period of time. Most long term care is non-skilled personal care assistance, such as help performing everyday Activities of Daily Living (ADLs): bathing, dressing, using the toilet, transferring (to or from bed or chair), caring for incontinence and eating. The goal of long term care services is to help you maximize your independence and functioning at a time when you are unable to be fully independent.Annuities
An annuity is a contract between an insurance company and an annuity owner. In exchange for a purchase payment, or series of payments, the insurance company guarantees to pay a stream of income in the future.
Disability Income Insurance
Insurance protection that pays benefits if you are disabled and unable to work because of an accident, illness or injury. A percentage of your earned income is covered. Generally speaking, the benefits paid on an individually owned disability income insurance policy are tax-free.
Individual Retirement Account
An IRA is a personal retirement account that allows you to save for retirement without needing a company-sponsored plan. The money you save is tax-deferred and may typically be withdrawn at age 59 1/2.
Personal PC
Auto
Collision Coverage
Covers auto damage from a collision with another car.
Comprehensive Coverage
Covers auto damages from causes such as fire, theft, hail, vandalism or many other events.
Bodily Injury Liability
Protects against a claim or lawsuit if others are injured in an auto accident that you or your family are considered legally responsible
Property Damage Liability
Protects against a claim or lawsuit for any damage you may cause by an auto accident to someone else's auto or property.
Medical Payments
Pays for reasonable medical expenses, or certain other expenses resulting from an auto accident for you, your family and your passengers.
Uninsured/Underinsured Motorist
Covers injury resulting from a hit-and-run accident or uninsured driver.
Rental Reimbursement
Covers the expense of a rental car while your vehicle is being repaired.
Towing and Labor
Provides towing service for a disabled vehicle
Homeowners
Covers:
Detached Structures, such as a garage or shed.
Personal Belongings, including furniture, clothing, appliances and much more.
Loss of Use, for living expenses, when the home is damaged and uninhabitable.
Personal Liability, that protects you and your family against a claim or lawsuit if someone is injured or their property, is damaged while at your home.
HO Coverage Options
Contents Replacement
Provides full replacement cost for personal belongings.
Additional Replacement Cost Protection
Provides the extra insurance you need to rebuild your house if your coverage amount is inadequate.
Personal Injury
Protects you against libel and slander
Identity Theft Protection
Provides assistance from a consumer fraud specialist and covers expenses related to restoring your good name and financial reputation
Valuable Items Plus Endorsement
Provides a blanket of coverage that is broader than what a basic Homeowners policy provides. It is the right coverage for people who own valuable possessions such as jewelry, artwork cameras and computers.
Personal Articles Floater
Provides even more comprehensive coverage that the Valuables Items Plus endorsement. It is the right coverage for people who wish to schedule items that have been carefully selected and whose values exceed the limits of either Homeowners policy or Valuable Items Plus endorsement.
Umbrella Policy
Offers an additional $1 million to $5 million of liability protection.
Flood Coverage
Flood damage is typically not covered under a homowner policy. This affordable coverage covers damage to your property and provides cleanup reimbursement.
Pleasure Boat Insurance
Voluntary Benefits Group
Group Term Life Insurance
Universal Life Insurance coverage provides a death benefit and over time, provides tax-deferred fund value accumulation that my be used for retirement, children's education, or emergencies.
Short Term Disability
Short Term Disability coverage provides monthly benefits for a period of up to 26 weeks
Long Term Disability
Long Term Disability coverage provides monthly benefits for an extended period of time.
Dental
Dental coverage provides dental coverage with a built in wellness benefit.
Limited Benefit Medical Plan
This coverage offers a scaled down health plan with annual limits to keep the plan affordable.
Critical Illness
Critical Illness coverage pays lump sum benefits directly to the insured at the time a covered illness is diagnosed.
Cancer and Specified Disease
Cancer and Specified Disease pays benefits that can be used for non-medical related expenses that health insurance may not cover as a result of cancer and 29 other specified diseases.
Accident
Accident coverage pays lump sum benefits for on- and off-the-job accidents, in addition to existing medical coverage.
Hospital Indemnity
Referred to as SHOP (Supplemental Health Options Policy), pays predetermined amounts for covered hospital, outpatient, nursing, transportation and physician services.
Group Indemnity Medical
A limited benefit supplemental hospital indemnity policy available to employees of qualified groups.
Group Vision
A Group Limited Benefit Plan that provides benefits for vision care, with an affordable co-pay schedule for Preferred Providers and one for Providers of your choice that are not on the Preferred list.
Voluntary Benefits Individual
Critical Illness Insurance
Critical Illness coverage pays lump sum benefits directly to the insured at the time a covered illness is diagnosed.
Universal Life Insurance
Universal Life Insurance offers fund value accumulation, a competitive interest rate and can help ease the financial burden brought upon by the death of a family primary providor
Accident Insurance
Accident Insurance provides benefits for on- and off-the-job accidents or off-the-job only accidents and pays a lump sum benefit to the insured that can be used to help cover the costs not paid by the primary insurer. Riders can be added to expand benefits.
Hospital Indemnity Insurance (Supplemental Health Options Plan)
Hospital Indemnity Insurance referred to as SHOP allows the insured to "shop" for the supplemental health benefits that best meet their budget and needs
Heart & Stroke Insurance
Heart & Stroke Insurance pays benefits, in addition to existing coverage, that can be used to help cover costs associated with the treatment for heart and stroke related conditions.
Disability Income Insurance
Disability Income Insurance provides an income when the insured can work because of a covered sickness or off-the-job duty.
