Your Protection Is Our Profession
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- Horatio Lloyd
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1 Your Protection Is Our Profession The Arizona Group was formed in 1993 and is an Independent Insurance Agency with two locations in the Phoenix metro area. Headquartered in Gilbert, we have a satellite office in Mesa. Our team is comprised of over 40 committed professionals.
2 Who Are We? The Arizona Group is a collection of Professional Individuals who have dedicated their careers to helping manage risk. From the beginning this agency was built not around a name, but around a group of likeminded professionals with a common goal of crafting protection plans for our clients. We offer all lines of insurance, including but not limited to: Business Insurance Personal Insurance Life, Health and Financial Products Employee Benefits and Group Programs
3 Core Values Our number one mission is protecting our clients. We accomplish this by offering uncommon professionalism and adherence to our core values: Passion: We are passionate about our work and demonstrate it through our professionalism, energy and integrity. Solutions: We actively deliver the best insurance solutions for our clients. Teamwork: Counting on each other and working as a team, we use our natural talents to achieve exceptional performance. Success: We measure our success through long and positive relationships with our clients and insurers Our principal commitment is to provide service and products of uncommon value to our clients. We offer a complete portfolio of business and individual insurance. We represent only financially sound and stable insurance companies and we take pride in the relationships we maintain with our carriers.
4 What Sets Us Apart? In today s fast-paced world, your time is a very valuable commodity. Our objective is to save you time and money in the process of managing your insurance program. We will help you design and develop your insurance plan using the very best insurance carriers to fit your individual needs. In addition, we will tailor a menu of value-added services with an annual service timeline to meet your individual needs and maximize your relationship with us.
5 What How We Sets Differentiate Us Apart? Ourselves Identifying Loss Exposures - The first step in our Risk Management Plan for your business will involve identifying and analyzing loss exposures that interfere with the achievement of your organization s goals. We will spend time with you in an effort to learn about your business, your history and your future direction. Strategies to Mitigate Loss - Once we have developed a thorough understanding of your business, including your industry, corporate culture and operating procedures, we will be able to explore strategies and methods to minimize your risk and reduce your insurance costs. Implementation of Programs - In this step of our process, we put in place specially tailored programs and strategies designed to protect the assets of your company while minimizing your premium outlay. Ongoing Monitoring & Adjustment of Plan - With the knowledge that businesses are dynamic and change is inevitable, we will implement a service timeline and conduct stewardship reviews to ensure that we deliver on our promises and that we continue to meet the needs of your business.
6 With our 24/7 Client Service Portal you will have access to your policy information and documents. You may also request changes, print Auto ID cards and Certificates of Insurance. Take the hassle out of accessing your policies and endorsements by having one convenient, easy-to-access storage location for all your insurance documents. As our client, you will be provided with a personal online Web center for access to all your insurance information in both Employee Benefits and Commercial Insurance. This powerful and secure portal also provides and connects you with helpful tools and resources to assist you in Human Resources, OSHA compliance and Risk Management. Posting Center allows seamless information exchange Benchmark Surveys to participate in and measure yourself Community Blog to connect with others in your field Valuable education and legislative information about Health Care Reform Documents on demand Resource library Intranet site for your employees
7 Worker s Compensation Unit Stat Filing This is the most important date during the term of the Worker s Comp policy. These records determine the experience modification for the insured. Mod Master - We review and verify the current mod and illustrate the bottom-line impact. We assist in developing strategies to lower the mod, therefore reducing premium outlay. Audit Review We will provide a review of your Work Comp audit calculations. We ll be certain proper codes and allowable deductions have been used. Claims Protocol We ll work with you on a process to follow to mitigate, reduce and prevent claims in the future. Employee Safety Incentive These programs are designed to offer some type of incentive for a low or no claims history. Return to Work We ll help to establish a return to work program after an injury. The intent is for the employee to return quickly and to prevent an indemnification paid loss
8 Business Operations Risk Transfer Review We evaluate your exposure to determine how your risks can be transferred properly. Contract Review We identify the insurance obligations required in your contracts, whether written or oral, to assure compliance. Safety Manual We will examine your existing manual and help to provide accident prevention and safety training programs. Coverage Integration We provide periodic internal review of all lines of insurance coverage to assure maximum protection. Crisis Management Protocol The process by which an organization manages events that threaten to harm the organization. Other Facility Evacuation Plan Sexual Harassment Policy Disaster Recovery
9 Property Insurance Building Appraisal Service & Replacement Cost Estimator It is critical to obtain the proper amount of insurance. Lease Contract Review We can help you verify that you are in compliance with the responsibility you assume through your lease contract. Ordinance or Law An evaluation of city building codes to be sure your coverage is adequate in the event you need to rebuild. Premises Safety An on-site analysis to mitigate personal injury claims and reduce or eliminate potential hazards. Protective Devices Evaluation of your sprinkler system, alarms and other protective devices to ensure proper credits are applied. Business Continuation Determine the amount of money you will need for ongoing expenses, including loss of earnings, during a period of restoration after a loss.
10 General Liability Audit Preparation We assist you prior to audit to prepare the necessary documents and estimate the outcome. Claims Review Analysis of your loss runs. An indepth review at regular intervals may identify areas where we can work to improve your risk profile. Midterm Premium Basis Review - We establish a regular time to review your sales and payroll so we can make changes and prevent large additional premium audits. Policy Review & Consultation - An in-depth review of your insurance policies
11 Employee Benefits Consultation of Current Benefits - A review and evaluation of your current benefits package focusing on cost containment via various methods. Interactive Enrollment Meetings Educate employees and promote selected programs, whether by paper enrollment or webbased applications. Claims Advocacy We will assist employees with benefit queries and claim issues so as not to involve employers with HIPAA sensitive information. COBRA Compliance We provide 3 rd Party Administration free of charge for groups with greater than 20 enrolled employees. This can reduce employer liability. Healthcare Reform Updates We ll keep you current via s, newsletters, webinars and seminars. Communication & Education - A variety of topics can be delivered via s, call centers, audio/video, webinars, payroll stuffers & health fairs
12 Life & Disability Business Continuation Preparation - Explore options for the transition of a business in case of an owner s premature death. Key Person Retention & Business Indemnification Create strategies to retain Key Employees and protect the business in the event of a death. Estate Conservation High Net Worth individuals need strategies to guarantee their assets will pass to their heirs in their entirety. Disability Income Protection Review - Discuss why protection for high income earners in their prime employment years is essential. Long Term Care Funding Analysis - Assure your dignity will be preserved in your golden years and that your assets will not be eroded by the cost of an impairment. Retirement Income Planning - Investigate how to take income from your retirement savings or pass them to the next generation.
13 Personal Insurance - Private Client Group Personal Annual Reviews- We meet with these clients at least once per year to review all exposures and needs for change. Home Inspection & Evaluation An in-person and in-depth inspection is made in your home to be certain it has adequate coverage limits. Claims Advocacy & Assistance Our Claims Team becomes directly involved walking PCG clients through the process. Risk Management Much the same as we provide for our business clients, we provide a complete risk management analysis to be certain all coverage needs are met for our affluent clients. Appraisal Services We are able to provide assistance with appraisals of jewelry, fine arts and other collections. Specialized Coverage We partner with insurance carriers that recognize the needs of high net worth clients and provide unique coverage to meet those needs.
14 Contact Us Gilbert Office: 3325 East Baseline Road Gilbert, AZ Mesa Office: 1125 East Southern Avenue Mesa, AZ (inside Arizona Federal Credit Union) Phone: (480) Fax: (480)
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