Left to right: William J. Quinn, Vice President Ralph J. Vanner Jr., President Ralph J. Vanner Sr., Chairman Thomas J. Vanner, Vice President

Size: px
Start display at page:

Download "Left to right: William J. Quinn, Vice President Ralph J. Vanner Jr., President Ralph J. Vanner Sr., Chairman Thomas J. Vanner, Vice President"

Transcription

1

2 Left to right: William J. Quinn, Vice President Ralph J. Vanner Jr., President Ralph J. Vanner Sr., Chairman Thomas J. Vanner, Vice President

3 An Independent, privately owned, full-service insurance agency, Vanner Insurance specializes in commercial insurance, employee benefits, personal insurance, and risk management services. We are actively involved in the communities we serve. Since 1967, our clients have been our top priority, and we have built our success on understanding their specific needs and individually tailoring insurance programs to meet them. Let us create A customized InsurAnce And risk management solution for you. services Commercial Insurance Bonding Construction Workers Compensation Manufacturing Not-For-Profit Transportation Personal Insurance Marine Insurance Employee Benefits

4 commercial InsurAnce At VAnner InsurAnce, Our specialized staff can assist in the review, marketing, and placement of all lines of coverage including General Liability, Property, Automobile, Inland Marine, Property, Boiler & Machinery, Professional Liability, Workers Compensation, and Excess Liability. In addition, we work with a number of insurance companies to place the more difficult classes of business. We Offer A VArIety Of specialized InsurAnce services for the following IndustrIes: Construction Manufacturers Distributors Transportation Technology Municipal Entities

5 WORKERS COMPENSATION In the united states, businesses are required by law to purchase workers compensation insurance to protect employees suffering workrelated illnesses or injuries against lost wages and the costs of their associated medical treatment. Vanner Insurance can design a workers compensation program to fit your needs helping you manage, reduce, and control costs for employee illness and absences. We can also assist and advise in the development of a feasibility study to quantify and determine whether or not a self-insurance workers compensation program is the most appropriate fit for your business needs. MANUFACTURING A core AreA Of expertise at Vanner Insurance is designing comprehensive and innovative solutions for the risks faced by companies in the manufacturing industry. In this highly competitive arena, you need to choose your allies carefully. Our services Include: Property General Liability Workers Compensation Business Income Crime Umbrella Auto Pollution Equipment Breakdown Employment Practices Liability Manufacturer s Selling Price Domestic Export Credit Inland Marine Ocean Marine Fiduciary Liability Professional Liability Our insurance programs are specialized, so we can tailor a program to your specific needs. We also offer value added services, such as loss control and financial risk management. By developing the right solutions for your insurance needs, we can help you run your business with peace of mind. COMMERCIAL INSURANCE

6 COMMERCIAL INSURANCE NOT-FOR-PROFIT At VAnner InsurAnce, we have access to many special programs for organizations that are dedicated to helping others, and we are pleased to have some of Western New York s leading not-for-profit organizations as valued clients. We provide QuAlIty InsurAnce programs for: Social Service Agencies Mental Health Facilities Trade Associations Rehabilitation Service Providers Community Associations Other Not-For-Profit Organizations Assisted Living Homes coverages Include: General Liability Including coverage for meetings, seminars, and conventions Comprehensive Property Insurance Including property of residents Directors and Officers Coverage Including discrimination, wrongful termination, and mismanagement of organization funds Professional Liability Competitive Rates for Workers Compensation and Auto Insurance Professional Risk Management Services for Property, Auto, and Employee Safety Convention Cancellation Coverage International, Employment Practices Liability, Accident and Health, and other lines As an independent agent representing many of the country s leading insurance companies, our goal is to match your insurance needs with the program that offers the best value for your premium dollar. TRANSPORTATION At VAnner InsurAnce, we know the transportation industry inside and out, with extensive knowledge of transportation, regulatory, and risk management issues. Our team will work with you to design a comprehensive and innovative casualty insurance program for all of your risk management needs avoiding gaps and duplication of coverages, minimizing and preventing sources of loss, and limiting potential claims exposures. Our transportation InsurAnce services Include: Commercial Auto Including Workers Compensation coverage for the trucking industry Pollution Commercial Property Employment Practices Liability Business Income Inland Marine Crime Fiduciary Liability General Liability Professional Liability Umbrella Whatever your trucking, busing, or other transportation challenge, our experts can get you where you want to go.

7 BondIng surety BOnds Vanner Insurance has become a leader in contract surety by providing excellent service to our clients for bonding. Our knowledgeable staff can assist contractors both large and small, utilizing various bond markets to obtain the bonding you require. BOndIng Is critical to the construction Industry. A bondable contractor has a greater opportunity for business growth. Surety bonds are required on most large public works projects and are also widely used in the private construction sector. Commercial surety bonds represent a dynamic financial management tool for a number of enterprises, providing bonding based on character, capacity, and capital. We Offer A full line Of BOndIng services, IncludIng: License/Permits Bonds Probate/Court Bonds Fidelity/Crime Bonds Mined Land Reclamation Bonds Miscellaneous Bonds BONDING

8 construction Our construction services department is staffed with surety and insurance experts who assist contractors, developers, architects, and homebuilders by: CONSTRUCTION Reviewing and marketing their current insurance programs to obtain the most competitive and cost-effective programs Preparing bid, contract, and license bonds Developing efficient risk management programs Providing claims administration Investigating new and unexpected risks that expose profitable bids and business plans to potential losses Offering a wide range of traditional products Presenting alternative risk management strategies Risk management is a process, not a product. It approaches an organization s cumulative risks from a broader perspective than traditional, risk-by-risk assessment. By adopting a portfolio approach to risk examining and identifying the interaction of financial, operational, hazard, and strategic risk issues on a companywide basis a company s management can make better informed decisions about the costs and benefits of specific risk strategies. Our ultimate goal Is to BuIld enterprise VAlue. Vanner Insurance actively partners with our clients to create the most effective risk management approach for building that value, helping to make us the leader in construction insurance in Western New York.

9 personal InsurAnce At VAnner InsurAnce, we represent quality insurance carriers who not only provide competitive prices, but also show a genuine concern for your needs at the time you need insurance coverage the most when you have a claim. Our personal InsurAnce services Include: Auto Homeowners Condominium Flood Recreational Vehicle Investment Property Personal Umbrella Canadian Secondary Residences Our InsurAnce carriers AlsO Offer several discounts, IncludIng: Safe Driver Discount Multi-Car Discount Companion Credit If you have both home and auto coverage with the same carrier We invite you to compare our level of coverage, quality of service, and costs to your current service provider. PERSONAL INSURANCE

10 marine InsurAnce MARINE INSURANCE from personal WAtercrAft to luxury yachts, our Marine Insurance Department can customize a policy tailored to your boating lifestyle. Since Boat and Yacht Insurance contracts differ from one company to another, we offer annual policy reviews and quotations with no obligation. Because we have assisted several insurance carriers with their contract design enabling them to offer the most comprehensive coverage at the most competitive premiums we can provide you with the most superior programs available for: High Performance Yachts Personal Watercraft Marinas, Yacht Clubs, and Boat Boats Rental Operations Runabouts Commercial Hull and P&I Yachts Tour Boats and Charter Vessels Anglers Tournaments and Fishing Guides Marine Related Risks Members of United States Power Squadrons Our marine InsurAnce division Is managed By patsy cunningham, CIC, CPCU Patsy holds a United States Coast Guard 50-ton license and is a past District Commander and Senior Navigator of the United States Power Squadrons. She has over 30 years experience in Marine Insurance and boating.

11 employee BenefIts Our employee BenefIts department features licensed insurance experts and financial advisors, as well as a certified public accountant (CPA). We offer independent and unbiased opinions to help protect your assets and maximize your after tax return. Our comprehensive program Is designed to meet All Of your needs, And Includes the following services: Complete benefit and cost analysis of your current product offering Claim Report Analysis based on Industry and Community Benchmarking Recommendations based on population, claims experience, negotiated benefit levels, current offering, and classes of benefits More than 10 years experience in offering Preferred Provider Organization (PPO), Point of Service (POS), Health Maintenance Organization (HMO), and Exclusive Provider Organization (EPO) products Prospective, retrospective, and minimum premium funding Flexible Spending Accounts (FSA) Health Spending Accounts (HSA) Group Dental, Group Life, Short Term Disability (STD), Statutory Disability (DBL), and Long Term Disability (LTD) Implementation of effective, cost saving initiatives including worksite wellness, 1/2 tablet, and trial generic pharmacy programs EMPLOYEE BENEFITS

12 11 Pinchot Court Suite 100 Amherst, NY Phone: Fax: Toll Free: vannerinsurance.com

NEW Insurance Classes 2012 Schedule

NEW Insurance Classes 2012 Schedule NEW Insurance Classes 2012 Schedule CPCU 560 Financial Services Institutions Fee $250 January 25-May 23 rd, Wednesdays Manage risks more effectively by learning the unique risks faced by financial institutions

More information

Insurance Terms. COMMON TERMS... 3 About Best s Credit Ratings... 3 Agent... 3

Insurance Terms. COMMON TERMS... 3 About Best s Credit Ratings... 3 Agent... 3 Insurance Terms To look up the definitions of commonly used insurance terms click on the term below to move to that section of the document. We hope that you find this information helpful. Our comprehensive

More information

There s more to Premier than Marine.

There s more to Premier than Marine. There s more to Premier than Marine. ABOUT PREMIER Established in 1989 One of the largest independently owned MUA in Canada Over 100 employees across 5 locations Administering over 80,000 policies Products

More information

The Expert Navigators in Maritime, Transportation and Insurance Law

The Expert Navigators in Maritime, Transportation and Insurance Law The Expert Navigators in Maritime, Transportation and Insurance Law Isaacs & Co. is one of Canada's leading full-service maritime, transportation and insurance law firms and concentrates on all areas of

More information

Insurance Financial Solutions Risk Strategy Wealth & Risk Management

Insurance Financial Solutions Risk Strategy Wealth & Risk Management Insurance Financial Solutions Risk Strategy TM INSURANCE & FINANCIAL SERVICES FIRM Our insurance specialists provide customized risk solutions for companies of all sizes. Shopping with a network of national

More information

The Capacity Group of Companies

The Capacity Group of Companies The Capacity Group of Companies Capacity Coverage of New Jersey, Inc. Atlantic Risk Specialists, Inc. Capacity Marine Corporation ProTrans, Inc. Atlantic Coast Surety, LLC Capacity Benefits & Financial

More information

Brief #09.00. Latest Revision: 01/2011. Business Insurance

Brief #09.00. Latest Revision: 01/2011. Business Insurance Brief #09.00 Latest Revision: 01/2011 Business Insurance Planning and operating a business must include adequate insurance coverage for the individual entrepreneur and/or company providing the product

More information

Workers Compensation and Jones Act Crew Coverage

Workers Compensation and Jones Act Crew Coverage Workers Compensation and Jones Act Crew Coverage Issue Due to recent court cases, it has become apparent that it is possible for an injured aquaculture worker to sue their employer in federal court under

More information

Custom Business Solutions. Unparalleled Results. Business Insurance and Employee Benefits

Custom Business Solutions. Unparalleled Results. Business Insurance and Employee Benefits Custom Business Solutions. Unparalleled Results. Business Insurance and Employee Benefits A Business Partner You Can Trust Niagara National Insurance is an independent agency that specializes in risk management,

More information

Chapter 1 Insurance Principals & Concepts 1

Chapter 1 Insurance Principals & Concepts 1 Contents Chapter 1 Insurance Principals & Concepts 1 Page I. The Concept of Insurance 1 What is Insurance? 1 II. Types of Property & Casualty Insurance 1 Parts of an Insurance Contract 2 Standardized Policies

More information

126 Questions to Ask Your Insurance Agent

126 Questions to Ask Your Insurance Agent 126 Questions to Ask Your Insurance Agent Plus One to Ask Yourself Scott Simmonds, CPCU, ARM Insurance Consulting 207-284-0085 Scott@ScottSimmonds.com www.scottsimmonds.com Insurance from an Unbiased Point

More information

Closed Confirmed Consumer Complaints by Coverage Type As of October 26, 2015

Closed Confirmed Consumer Complaints by Coverage Type As of October 26, 2015 Data reflected in this report is voluntarily submitted to the NAIC proprietary Complaints Database System (CDS) by state insurance departments. Not all states provide all of their complaint data to the

More information

INSURANCE. Section 1 TAXABLE INSURANCE CONTRACTS. Taxable Insurance contracts

INSURANCE. Section 1 TAXABLE INSURANCE CONTRACTS. Taxable Insurance contracts BULLETIN NO. 061 Issued June 2012 THE RETAIL SALES TAX ACT INSURANCE This bulletin explains the 2012 Budget changes affecting insurance contracts. Effective July 15, 2012, retail sales tax (RST) applies

More information

This bulletin explains the application of retail sales tax (RST) to certain insurance contracts that relate to Manitoba, at the rate of 8%.

This bulletin explains the application of retail sales tax (RST) to certain insurance contracts that relate to Manitoba, at the rate of 8%. BULLETIN NO. 061 Issued July 15, 2012 Revised July 2013 THE RETAIL SALES TAX ACT INSURANCE This bulletin explains the application of retail sales tax (RST) to certain insurance that relate to Manitoba,

More information

OHIO ASSOCIATION OF COMMUNITY COLLEGES

OHIO ASSOCIATION OF COMMUNITY COLLEGES OHIO ASSOCIATION OF COMMUNITY COLLEGES RISK MANAGEMENT AND INSURANCE PROGRAM Launched November 1, 2011 OACC is right for you if: You want to lower your total cost of risk; You want broader coverages, loss

More information

To: Our Valued Clients From: Agency Name Re: Gap Letter

To: Our Valued Clients From: Agency Name Re: Gap Letter To: Our Valued Clients From: Agency Name Re: Gap Letter From time to time, we mail a notice to our clients (past, current, and potential) called a Gap Letter. The purpose of this letter is to inform you

More information

Schedule of Commercial Lines Commissions in Illinois

Schedule of Commercial Lines Commissions in Illinois Under 100,00 Over 100,000 Small Commercial New Renewal New Renewal Spectrum Spectrum FailSafe MEGA Technology Errors or Omissions (Tech E&O) Coverage Part Spectrum for Construction, Auto Services, Real

More information

CC-EVER001-16 Exhibit I: Insurance Page I-1 EXHIBIT I INSURANCE REQUIREMENTS

CC-EVER001-16 Exhibit I: Insurance Page I-1 EXHIBIT I INSURANCE REQUIREMENTS CC-EVER001-16 Exhibit I: Insurance Page I-1 EXHIBIT I INSURANCE REQUIREMENTS SEC. 1. INSURANCE REQUIREMENTS The Concessioner shall obtain and maintain during the entire term of this Contract, at its sole

More information

printed on recycled paper

printed on recycled paper 00 printed on recycled paper Contents Chairman s Message...01-02 Mission & Vision...03-04 Our Company...05-06 Corporate Governance...07-08 Corporate Social Responsibility...09-10 Our Objectives...11-12

More information

Georgia Perimeter College Risk Management Office. Insurance and Bonding Guidelines Property & Automobile Insurance Risk Management Claims

Georgia Perimeter College Risk Management Office. Insurance and Bonding Guidelines Property & Automobile Insurance Risk Management Claims Georgia Perimeter College Risk Management Office Insurance and Bonding Guidelines Property & Automobile Insurance Risk Management Claims State of Georgia Risk Management Services Risk Management Services

More information

#21 MEMORANDUM PERSONNEL DEPARTMENT

#21 MEMORANDUM PERSONNEL DEPARTMENT To: John C. Phillips, City Manager #21 MEMORANDUM PERSONNEL DEPARTMENT Subject: Liability Insurance Program for 2007/2008 Date: April 19, 2007 The City of Rock Island is entering its thirteenth year of

More information

Business Insurance Terminology

Business Insurance Terminology Business Insurance Terminology Knowledge Is Power To understand your business policy, it is helpful to have a grasp of basic insurance terms. As a Trusted Choice, independent insurance agency, we are dedicated

More information

LDCA MEMBERSHIP INSURANCE OFFERING PART OF THE ARTHUR J.GALLAGHER GROUP WELCOME TO ARTHUR J. GALLAGHER

LDCA MEMBERSHIP INSURANCE OFFERING PART OF THE ARTHUR J.GALLAGHER GROUP WELCOME TO ARTHUR J. GALLAGHER LDCA MEMBERSHIP INSURANCE OFFERING PART OF THE ARTHUR J.GALLAGHER GROUP WELCOME TO ARTHUR J. GALLAGHER LDCA Insurance Solutions at a Glance LDCA members need insurance expertise. We ve got it. Over time,

More information

Enjoy the peace of mind that comes from being WEHBE insured

Enjoy the peace of mind that comes from being WEHBE insured COMPANY PROFILE Insured. Secured. Over the years WEHBE Insurance Services has grown and evolved, and is today considered one of the most renowned names in the UAE insurance intermediary industry. As an

More information

BARRY F. LORENZETTI MISSION STATEMENT A MESSAGE FROM THE PRESIDENT

BARRY F. LORENZETTI MISSION STATEMENT A MESSAGE FROM THE PRESIDENT 15 MISSION STATEMENT To be the most professional, client-oriented and innovative insurance brokerage and consulting firm in Canada, through a disciplined and dedicated team approach. A MESSAGE FROM THE

More information

Zurich Public Sector Solution

Zurich Public Sector Solution Zurich Public Sector Solution Solutions for an Evolving Public Sector Managing risk for a Public Sector entity has taken on an unprecedented level of complexity. Consider for a moment the evolving risks

More information

Property & Casualty Coverage 101

Property & Casualty Coverage 101 Property & Casualty Coverage 101 Small Business Guidebook ADP SMALL BUSINESS GUIDEBOOK Automatic Data Processing Insurance Agency, Inc. The Basics & Key Things You Need to Know Create a smart strategy

More information

Government Management Committee. Deputy City Manager and Chief Financial Officer. P:\2011\Internal Services\Cf\Gm11013cf (AFS #13494)

Government Management Committee. Deputy City Manager and Chief Financial Officer. P:\2011\Internal Services\Cf\Gm11013cf (AFS #13494) STAFF REPORT ACTION REQUIRED 2011-2012 Insurance Program Renewal Date: April 13, 2011 To: From: Wards: Reference Number: Government Management Committee Deputy City Manager and Chief Financial Officer

More information

REQUEST FOR PROPOSALS

REQUEST FOR PROPOSALS THE JOB COUNCIL REQUEST FOR PROPOSALS PROFESSIONAL PROPERTY/CASUALTY AND WORKERS COMPENSATION INSURANCE BROKER OF RECORD The purpose of the Request for Proposal is to select the broker best qualified to

More information

VIRGINIA LICENSE TYPES AS EFFECTIVE 9/1/02 TITLE 38.2, CHAPTER 18, CODE OF VIRGINIA CONVERSION TABLE

VIRGINIA LICENSE TYPES AS EFFECTIVE 9/1/02 TITLE 38.2, CHAPTER 18, CODE OF VIRGINIA CONVERSION TABLE VIRGINIA LICENSE TYPES AS EFFECTIVE 9/1/02 TITLE 38.2, CHAPTER 18, CODE OF VIRGINIA CONVERSION TABLE CURRENT LICENSE CODE NEW LICENSE EFFECTIVE 9/1/02 CODE Life & Health 001 Life & Annuities Health Those

More information

DEALER REVENUE PROGRAM

DEALER REVENUE PROGRAM DEALER REVENUE PROGRAM 800.252.9597 marine@norman-spencer.com DRIVING REVENUE TO YOUR DEALERSHIP Boat Dealers of America, Norman-Spencer Marine Insurance Services is a national leader of recreational marine

More information

Position Classification Flysheet for Insurance Examining Series, GS-1163. Table of Contents

Position Classification Flysheet for Insurance Examining Series, GS-1163. Table of Contents Position Classification Flysheet for Insurance Examining Series, GS-1163 Table of Contents SERIES DEFINITION... 2 EXCLUSIONS... 2 SPECIALIZATIONS AND TITLES... 3 EXPLANATORY STATEMENT... 4 GRADE LEVELS...

More information

Providing group personal excess liability insurance to a unique group of professionals. Group Personal Excess Liability Insurance

Providing group personal excess liability insurance to a unique group of professionals. Group Personal Excess Liability Insurance Providing group personal excess liability insurance to a unique group of professionals Group Personal Excess Liability Insurance W ith the number of personal lawsuits growing at an alarming rate, professionals

More information

RYERSON UNIVERSITY INSURANCE FINANCIAL SERVICES

RYERSON UNIVERSITY INSURANCE FINANCIAL SERVICES RYERSON UNIVERSITY INSURANCE TOPICS Vendors Coverage/Policy Summaries Certificates of Insurance Liability Waivers Reporting Stolen or Damaged University Property Reporting On Campus Accidents Contract/Agreement

More information

Amended Date of New & Revised Material Updates. How To Reach Us

Amended Date of New & Revised Material Updates. How To Reach Us Oregon Washington Watercraft Product Guide What s New Amended Date of New & Revised Material Updates How To Reach Us Phone / FAX / Email Home Office Agency Services Claims Customer Service (Billing) Underwriting

More information

October 26, 2010 REQUEST FOR PROPOSAL (RFP) INSURANCE BROKERAGE AND RISK ADVISORY SERVICES TERMS & CONDITIONS

October 26, 2010 REQUEST FOR PROPOSAL (RFP) INSURANCE BROKERAGE AND RISK ADVISORY SERVICES TERMS & CONDITIONS October 26, 2010 REQUEST FOR PROPOSAL (RFP) INSURANCE BROKERAGE AND RISK ADVISORY SERVICES TERMS & CONDITIONS The Toronto Port Authority ( TPA ), established in June 1999 under the Canada Marine Act, operates

More information

Training Needs Checklist. A competency assessment tool used by agency staff and supervisors to establish training priorities.

Training Needs Checklist. A competency assessment tool used by agency staff and supervisors to establish training priorities. Training Needs Checklist A competency assessment tool used by agency staff and supervisors to establish training priorities. Employee: Interview date: New Date Date Office Functions Review Training Trainer

More information

FLORIDA STATE COLLEGE AT JACKSONVILLE NON-COLLEGE CREDIT COURSE OUTLINE. Insurance Customer Service Representative

FLORIDA STATE COLLEGE AT JACKSONVILLE NON-COLLEGE CREDIT COURSE OUTLINE. Insurance Customer Service Representative Form 2B, Page 1 FLORIDA STATE COLLEGE AT JACKSONVILLE NON-COLLEGE CREDIT COURSE OUTLINE COURSE NUMBER: RMI 0093 COURSE TITLE: PREREQUISITE(S): COREQUISITE(S): Insurance Customer Service Representative

More information

Group Insurance. South Bay Risk Management. Alan Virgil. DWEA Group Insurance Webinar May 9 th, 2012

Group Insurance. South Bay Risk Management. Alan Virgil. DWEA Group Insurance Webinar May 9 th, 2012 Group Insurance Alan Virgil South Bay Risk Management DWEA Group Insurance Webinar May 9 th, 2012 Casualty-Property Group Insurance Program Goal: To build a sizeable premium base within the renewable energy

More information

AWG Insurance Brokers Pte Ltd. All Your. Insurance. Needs. Workmen Compensation. Motor Insurance. Business. Insurance. Personal. Insurance.

AWG Insurance Brokers Pte Ltd. All Your. Insurance. Needs. Workmen Compensation. Motor Insurance. Business. Insurance. Personal. Insurance. All Your Insurance Needs Workmen Compensation Motor Insurance Business Insurance Personal Insurance Maid Insurance AWG Insurance Brokers Pte Ltd A bout Us AWG Insurance Brokers Pte Ltd was established

More information

Specialized Insurance. Unmatched Expertise.

Specialized Insurance. Unmatched Expertise. Specialized Insurance. Unmatched Expertise. The General Insurance Group specializes in the property and casualty commercial insurance market. Old Republic General Insurance Group Who We Are Old Republic

More information

Transportation solutions driven by your business. The holistic alternative for BC based trucking business

Transportation solutions driven by your business. The holistic alternative for BC based trucking business Transportation solutions driven by your business The holistic alternative for BC based trucking business TM An integrated plan delivered by a leading global insurer, and the largest insurer of Transportation

More information

Personal Service. Professional Analysis. Sophisticated Advice.

Personal Service. Professional Analysis. Sophisticated Advice. Risk Management/Insurance Private Client Services Group Benefits Retirement Planning Services SKCG Group SKCG Group is one of the largest privately-held Risk Management/Insurance advisory firms in the

More information

Overview of Insurance

Overview of Insurance Overview of Insurance Definitions and Terms Client/Agent Relationship Agent A person or organization who/that is authorized to act on behalf of another. An insurance agent is a person or organization who/that

More information

What Is Business Insurance? What Does Business Insurance Cover? How Does Business Insurance Work?

What Is Business Insurance? What Does Business Insurance Cover? How Does Business Insurance Work? What Is Business Insurance? Business insurance includes a broad range of policy options designed to protect a business from financial loss. Every commercial operation has its own unique set of risks, which

More information

INSURANCE AGENTS APPLICATION FORM

INSURANCE AGENTS APPLICATION FORM INSURANCE AGENTS APPLICATION FORM Last Name First Name Title Mailing Address Town/City State Zip Phone E-mail Address Do you have a current professional liability policy in place? If, what is the Retro-active

More information

GUIDELINES FOR PURCHASING INSURANCE ELCA LEADERS

GUIDELINES FOR PURCHASING INSURANCE ELCA LEADERS GUIDELINES FOR PURCHASING INSURANCE For ELCA LEADERS Developed By Willis is pleased to provide the following information to help ELCA congregations and synods in evaluating different insurance programs

More information

County Insurance Fund

County Insurance Fund County Insurance Fund Lines of Business: Budget Reduction Proposals Risk Management Division Department of Finance 1 Mission To make a significant contribution to the health and safety of County residents,

More information

CURRICULUM VITAE OF REBECCA S. BECKY WALKER, CPCU, ARM

CURRICULUM VITAE OF REBECCA S. BECKY WALKER, CPCU, ARM CURRICULUM VITAE OF REBECCA S. BECKY WALKER, CPCU, ARM SYNOPSIS: Risk Manager for Houston s largest locally owned commercial construction company 33 years of experience in complex insurance, risk financing

More information

The Essentials of Church Insurance

The Essentials of Church Insurance The Essentials of Church Insurance By Jerry J. Sparks www.agfinancial.org/insurance 866.662.8210 The Essentials of Church Insurance What coverage does your church need? Churches have become increasingly

More information

Welcome to Harleysville Insurance

Welcome to Harleysville Insurance Welcome to Harleysville Insurance Meet our Recognized as Good people to know in the markets we serve, Harleysville has gained prominence within the insurance industry with our long-standing record of financial

More information

AAI. Accredited Adviser in Insurance. Self-Study Designation Course

AAI. Accredited Adviser in Insurance. Self-Study Designation Course AAI Accredited Adviser in Insurance Self-Study Designation Course Course waiver information: If you hold the IIA Certificate in General Insurance (INS); or have passed CPCU 553 or 555 (CPCU 2), CPCU 551

More information

Specialized Insurance. Unmatched Expertise.

Specialized Insurance. Unmatched Expertise. Specialized Insurance. Unmatched Expertise. The General Insurance Group is the largest business segment within the Old Republic Insurance Group and specializes in the property & casualty marketplace. Who

More information

Construction Liability Overview

Construction Liability Overview Construction Liability Overview Insuring Construction Risks What: Insurance Requirements Who: Owners, General Contractors, Subcontractors When: Prior to Commencement of Work What: Insurance Requirements

More information

Insurance basics for nonprofit organizations

Insurance basics for nonprofit organizations Insurance basics for nonprofit organizations Updated: July 2012 This document is intended as general and abbreviated guidance for nonprofit organizations. Because every organization s insurance needs are

More information

Commercial Insurance. www.infarmbureau.com

Commercial Insurance. www.infarmbureau.com Commercial Insurance www.infarmbureau.com Is your business properly insured? Don t wait until it s too late! Commercial Package Policy (CPP) Used by many classes of businesses manufacturers, restaurants,

More information

VALUE ADDED SERVICES. Our Valued Client

VALUE ADDED SERVICES. Our Valued Client The Charles L. Crane Agency VALUE ADDED SERVICES Prepared Especially for Our Valued Client PREPARED BY Your Crane Broker 100 North Broadway, Suite 900 St. Louis, Missouri 63102 Telephone: (555) 555-1212

More information

Mississippi Insurance Department Property/Casualty Rate Filing Bulletin MARCH 2004

Mississippi Insurance Department Property/Casualty Rate Filing Bulletin MARCH 2004 Mississippi Insurance Department Property/Casualty Rate Filing Bulletin MARCH 2004 ACIG INSURANCE COMPANY files to adopt current NCCI loss costs and selects loss cost multiplier of 1.208. The overall rate

More information

FLORIDA KEYS AQUEDUCT AUTHORITY BOARD OF DIRECTORS MEETING OPEN TO THE PUBLIC

FLORIDA KEYS AQUEDUCT AUTHORITY BOARD OF DIRECTORS MEETING OPEN TO THE PUBLIC FLORIDA KEYS AQUEDUCT AUTHORITY BOARD OF DIRECTORS MEETING OPEN TO THE PUBLIC A G E N D A FLORIDA KEYS AQUEDUCT AUTHORITY BOARD ROOM 1100 Kennedy Drive Key West, Florida 33040 WEDNESDAY, MAY 14, 2014 10:00

More information

About Lewis Insurance Services

About Lewis Insurance Services Corporate Profile About Lewis Insurance Services Established in 1996, Lewis Insurance Services stands out in the market as the team who go the extra mile. We help businesses better understand the risks

More information

Exhibit I Insurance Requirements

Exhibit I Insurance Requirements Exhibit I Insurance Requirements The insurance sections of this Exhibit I and the Draft Concession contract are presented in a manner that outlines types and levels of insurance that Reclamation will consider

More information

KIWANIS INTERNATIONAL COMMERCIAL GENERAL LIABILITY INSURANCE

KIWANIS INTERNATIONAL COMMERCIAL GENERAL LIABILITY INSURANCE KIWANIS INTERNATIONAL COMMERCIAL GENERAL LIABILITY INSURANCE NAMED INSUREDS Kiwanis International and its owned, controlled, subsidiary or affiliated organizations now or hereafter constituted including;

More information

PROTECT YOUR BUSINESS HIRING RIGHT NEW NATIONAL SAFETY & HEALTH STANDARD

PROTECT YOUR BUSINESS HIRING RIGHT NEW NATIONAL SAFETY & HEALTH STANDARD PROTECT YOUR BUSINESS HIRING RIGHT NEW NATIONAL SAFETY & HEALTH STANDARD AGENCY SPOTLIGHT: Robert E. Harris Insurance Agency SPOTLIGHT ON EXCELLENCE IN THIS ISSUE: $800 SAVINGS WHY MOST MARKETING STINKS

More information

THE WOODLANDS TOWNSHIP 2013 PROPERTY AND CASUALTY RFP 2013-110 RESPONSE COMPARISON

THE WOODLANDS TOWNSHIP 2013 PROPERTY AND CASUALTY RFP 2013-110 RESPONSE COMPARISON THE WOODLANDS TOWNSHIP 2013 PROPERTY AND CASUALTY RFP 2013-110 RESPONSE COMPARISON General Liability Coverage Carrier Insurance Company Current Program of Insurance Texas Municipal League Intergovernmental

More information

Contact Person s Email Address: What Associations and/or Industry Trade Groups are you a member of or participate in? (if any): Insurance Carrier:

Contact Person s Email Address: What Associations and/or Industry Trade Groups are you a member of or participate in? (if any): Insurance Carrier: Brown & Brown Program Insurance Services, Inc. Insurance Agents, Brokers, and Consultants Errors & Omissions Insurance Application for Claims Made and Reported Coverage Source: Legacy IMPORTANT NOTICE

More information

Iowa Association of Municipal Utilities. Safety Group Insurance Program

Iowa Association of Municipal Utilities. Safety Group Insurance Program Iowa Association of Municipal Utilities Safety Group Insurance Program The IAMU Safety Group Since 1980, the Iowa Association of Municipal Utilities, Risk Management Consultants Ltd., and EMC Insurance

More information

THE INSURANCE ORGANIZER

THE INSURANCE ORGANIZER THE INSURANCE ORGANIZER SENIOR SOLUTIONS OF AMERICA, INC. www.todaysseniors.com COPYRIGHT 2007 SENIOR SOLUTIONS OF AMERICA, INC. ALL RIGHTS RESERVED. ORGANIZING YOUR INSURANCE POLICIES Your safe deposit

More information

boatowners insurance protecting your dreams

boatowners insurance protecting your dreams boatowners insurance protecting your dreams protect your dream boat. There s nothing like being on the water. It s what you love to do. Boating is part of your life and your lifestyle and you want to protect

More information

STATE OF CONNECTICUT

STATE OF CONNECTICUT STATE OF CONNECTICUT AUDITORS' REPORT STATE INSURANCE AND RISK MANAGEMENT BOARD FOR THE FISCAL YEARS ENDED JUNE 30, 2001 AND 2002 AUDITORS OF PUBLIC ACCOUNTS KEVIN P. JOHNSTON ROBERT G. JAEKLE Table of

More information

Delaware State University

Delaware State University Delaware State University University Area(s) Responsible: Office of Enterprise Risk Management Policy Number & Name: 7-33: Insurance Requirements for Vendors, Contractors and Service Providers Approval

More information

LIMITATIONS ON WHICH TYPES OF COVERAGE CAN BE PLACED BY EXCESS LINE LICENSEES

LIMITATIONS ON WHICH TYPES OF COVERAGE CAN BE PLACED BY EXCESS LINE LICENSEES COMPLIANCE ADVISOR LIMITATIONS ON WHICH TYPES OF COVERAGE CAN BE PLACED BY EXCESS LINE LICENSEES A PUBLICATION BY THE EXCESS LINE ASSOCIATION OF NEW YORK ONE EXCHANGE PLAZA 55 BROADWAY 29TH FLOOR NEW YORK,

More information

Application For Commercial Umbrella Liability Insurance

Application For Commercial Umbrella Liability Insurance Application For Commercial Umbrella Liability Insurance Intact Insurance Company All Questions Must be Answered Completely. PLEASE PRINT. Agent/Broker Head Office: 1200-321 6 th Ave SW Calgary, AB T2P

More information

LINES OF BUSINESS MATRIX

LINES OF BUSINESS MATRIX ALABAMA 1 Fire Property (Sec. 27-5-5) 2.1 Allied Lines Property (Sec. 27-5-5) 2.2 Multiple Peril Crop Property (Sec. 27-5-5) 2.3 Federal flood Property (Sec. 27-5-5) 3 Farmowners multiple peril Property

More information

2015-2018 Annual Insurance Program renewal. Government Management Committee. Deputy City Manager & Chief Financial Officer

2015-2018 Annual Insurance Program renewal. Government Management Committee. Deputy City Manager & Chief Financial Officer STAFF REPORT ACTION REQUIRED 2015-2018 Annual Insurance Program renewal GM3.23 Date: March 23, 2015 To: From: Wards: Reference Number: Government Management Committee Deputy City Manager & Chief Financial

More information

THE BASICS. Michael A. Mason, CIC, ARM

THE BASICS. Michael A. Mason, CIC, ARM THE BASICS Michael A. Mason, CIC, ARM This insurance is designed to protect your business in the event owned property is lost, stolen or damaged. Different policies protect against different risks and

More information

We welcome the opportunity to work with you. Thank you. Richard A. Beskin, President

We welcome the opportunity to work with you. Thank you. Richard A. Beskin, President For more than a quarter of a century, Beskin and Associates, Inc. has been dedicated to providing our clients with value-based insurance products and risk management programs underwritten by superior companies.

More information

Business Insurance. AKD Consultants Adam Dworkin CPA 188 Whiting Street Suite 10 Hingham, MA 02043 781-556-5554 Adam@AKDConsultants.

Business Insurance. AKD Consultants Adam Dworkin CPA 188 Whiting Street Suite 10 Hingham, MA 02043 781-556-5554 Adam@AKDConsultants. AKD Consultants Adam Dworkin CPA 188 Whiting Street Suite 10 Hingham, MA 02043 781-556-5554 Adam@AKDConsultants.com Business Insurance Page 1 of 6, see disclaimer on final page Business Insurance What

More information

SCHOOL CATALOG 2015 1

SCHOOL CATALOG 2015 1 SCHOOL CATALOG 2015 1 TABLE OF CONTENTS SCHOOL INFORMATION PAGE 3 OFFICE HOURS PAGE 3 HOLIDAYS AND OTHER DATES OF IMPORTANCE PAGE 3 OWNERS AND OFFICIALS PAGE 3 ADMINISTRATIVE AND INSTRUCTIONAL STAFF PAGE

More information

The X s and O s of Personal Property and Casualty Insurance Policies

The X s and O s of Personal Property and Casualty Insurance Policies The X s and O s of Personal Property and Casualty Insurance Policies In the Huddle AGENDA Automobile Insurance Liability Insurance Key components of a good risk and insurance review Selection criteria

More information

LMCIT Service Contract Insurance Recommendations

LMCIT Service Contract Insurance Recommendations LMCIT Service Contract Insurance Recommendations The type and amount of insurance should be determined on a case-by case basis dependent upon various factors such as the scope of work and the potential

More information

Protecting Your Business. Contractors Advantage

Protecting Your Business. Contractors Advantage Protecting Your Business Contractors Advantage Your contracting business is more than a job, it s your life. You re a successful contractor. You ve made a substantial investment in tools, equipment and

More information

Application for Claims-Made Professional Liability Insurance Coverage

Application for Claims-Made Professional Liability Insurance Coverage Application for Claims-Made Professional Liability Insurance Coverage Your acceptance is subject to Underwriter s approval. All questions must be answered. Please attach additional sheets for comments

More information

UNIGARD INSURANCE COMPANY ARIZONA PERSONAL UMBRELLA MANUAL

UNIGARD INSURANCE COMPANY ARIZONA PERSONAL UMBRELLA MANUAL Arizona Personal Lines Personal Umbrella UNIGARD INSURANCE COMPANY ARIZONA PERSONAL UMBRELLA MANUAL Arizona Personal Lines Personal Umbrella Application Binding Authority Coverage Increased Limits Introduction

More information

Insurance Boot Camp. Understanding Coverages for Your School Division, Staff and Students

Insurance Boot Camp. Understanding Coverages for Your School Division, Staff and Students Insurance Boot Camp Understanding Coverages for Your School Division, Staff and Students VASBO Fall Conference Continuing Education October 15, 2015 1:00 p.m. Presented by David Brooks Lee Brannon and

More information

Schedule A TERRORISM RISK INSURANCE PROGRAM

Schedule A TERRORISM RISK INSURANCE PROGRAM Control Number (Treasury use) Schedule A TERRORISM RISK INSURANCE PROGRAM DECLARATION OF DIRECT EARNED PREMIUM AND CALCULATION OF INSURER DEDUCTIBLE UNDER TERRORISM RISK INSURANCE ACT (TRIA) Insurer or

More information

Board Approved June 9, 2014

Board Approved June 9, 2014 Board Approved June 9, 2014 Our casualty insurance package policy includes coverage for General Liability, Educators Legal, Employment Practices, Automobile Liability, Auto Physical Damage and Workers

More information

Name of Insurance Company to which Application is made (the Insurer ) INSURANCE AGENTS AND BROKERS PROFESSIONAL LIABILITY APPLICATION

Name of Insurance Company to which Application is made (the Insurer ) INSURANCE AGENTS AND BROKERS PROFESSIONAL LIABILITY APPLICATION Name of Insurance Company to which Application is made (the Insurer ) INSURANCE AGENTS AND BROKERS PROFESSIONAL LIABILITY APPLICATION 1. Name of Applicant (include all dba s): Primary Address: City, State

More information

ACE Private Risk Services

ACE Private Risk Services ACE Private Risk Services Securing Your Success Customized Protection In One Comprehensive Program A fine home A ski condo Luxury cars and yachts An extensive jewelry or fine art collection Substantial

More information

DC BAR Non-profit Insurance Webinars

DC BAR Non-profit Insurance Webinars DC BAR Non-profit Insurance Webinars Webinar 2 Buying Insurance Date: December 15, 2010 Presented by: Erica Dominitz and Jeffrey Lenser, Kilpatrick Stockton LLP Monica Brecka, Aon Risk Services Introduction

More information

Glossary of Insurance Terms

Glossary of Insurance Terms From the Insurance Bureau of Canada (IBC) Accident: An event that happens by chance and is not expected in the normal course of events, which results in harm to people, damage to property or equipment,

More information

Conway West Real Estate & Retail Solutions

Conway West Real Estate & Retail Solutions Conway West Real Estate & Retail Solutions Service Team Team Leader Whether it s lessor s risk, habitational, retail or warehousing we have the market and experience to customize creative and competitive

More information

THE BUSINESS GUIDE INSURANCE. Ralph T. Hudgens Insurance and Safety Fire Commissioner

THE BUSINESS GUIDE INSURANCE. Ralph T. Hudgens Insurance and Safety Fire Commissioner THE BUSINESS GUIDE TO INSURANCE Ralph T. Hudgens Insurance and Safety Fire Commissioner A MESSAGE FROM THE COMMISSIONER A fire, a windstorm, a lawsuit --- all traumatic experiences for individuals and

More information

CHAPTER 18 GENERAL INSURANCE

CHAPTER 18 GENERAL INSURANCE WISCONSIN LEGISLATOR BRIEFING BOOK 2015-16 CHAPTER 18 GENERAL INSURANCE Insurance protects against unexpected losses of income or property. The state regulates general insurance matters through the Office

More information

Meeting Date: September 8, 2015. Liability Insurance Renewal Update 2015-2016

Meeting Date: September 8, 2015. Liability Insurance Renewal Update 2015-2016 Item No.: 7f_supp Meeting Date: September 8, 2015 Liability Insurance Renewal Update 2015-2016 Renewal Coverage Process Coverage will run 10/1/2015 to 9/30/2016 Risk Management department compares coverage

More information

The Fourth Episcopal District

The Fourth Episcopal District The Fourth Episcopal District Insurance Summary December 1, 2014 December 1, 2015 The Fourth Episcopal District The Bishop Richard Allen House 4448 South Michigan Ave. Chicago, IL 60653 773.955.9825 What

More information

Group Automobile and Residential Insurance Program Prepared for Canadian Assistive Devices Association

Group Automobile and Residential Insurance Program Prepared for Canadian Assistive Devices Association Group Automobile and Residential Prepared for Canadian Assistive Devices Association Submitted by: Marsh Canada Limited Practice July 23, 2009 1 Practice Marsh s (PCS) specializes in the design, placement

More information

UNIGARD INSURANCE COMPANY. Idaho PERSONAL UMBRELLA MANUAL

UNIGARD INSURANCE COMPANY. Idaho PERSONAL UMBRELLA MANUAL UNIGARD INSURANCE COMPANY Idaho PERSONAL UMBRELLA MANUAL Idaho Personal Lines Personal Umbrella i Application Binding Coverage Increased Limits Limits of Liability Introduction Policy Term Premium Determination

More information

Allianz Global Corporate & Specialty Hull, Protection & Indemnity and Marine Liability Insurance

Allianz Global Corporate & Specialty Hull, Protection & Indemnity and Marine Liability Insurance Allianz Global Corporate & Specialty Hull, Protection & Indemnity and Marine Liability Insurance Comprehensive cover, flexible solutions Allianz Global Corporate & Specialty at a glance Full range of products

More information

VML I NSURANCE PROGRAMS Virginia s Local Government Specialists

VML I NSURANCE PROGRAMS Virginia s Local Government Specialists Financial Strength and Stability Specialized Services and Consulting Partners in Risk Management 35 Years of Financial Strength, Risk Management Partnership, and Services Members Rely On. More Than Just

More information