The Capacity Group of Companies

Transcription

1 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 Services Group, LLC NAESIP, LLC Capacity Benefits Group, Inc. ARM Capacity of New York, LLC NorthWin Insurance Services Capacity Group of New York, Inc.

2 The Capacity Group The Capacity Group is a full service organization of specialty insurance and financial services companies. Our one stop shopping approach offers a wide variety of products and services, strongly supported by specialists in each area. This ensures all our customers can depend on continuity in professionalism, quality of service, and access to the very latest products. The mission of the Capacity Group of Companies is to offer an expansive range of customized insurance and financial products, while providing superior customer service for all types of businesses, industries, and individuals. We represent a host of the finest, and top rated insurance carriers in the world. Our collective knowledge of the insurance marketplace coupled with our ability to recommend product from one of many insurance carriers enables us to offer unparalleled asset protection. We are committed to the individual needs of our clients and enjoy consistent customer satisfaction. We help clients manage their insurance programs by Analyzing needs Uncovering risks Discussing exposures Defining solutions Presenting alternatives Capacity has grown to become one of the 100 largest insurance brokerage firms in the US and is one of the fastest growing full-service insurance brokerage groups in the nation.

3 The Capacity Group of Companies CAPACITY COVERAGE COMPANY OF NEW JERSEY, INC. Commercial and Personal Insurance - Our flagship company, represents a host of the finest and top rated insurance carriers in the world. page 3 ATLANTIC RISK SPECIALISTS, INC. Commercial and Professional Liability Insurance - Atlantic Risk Specialists (ARS) is a full service wholesaler comprised of a Commercial Division and a Professional Liability Division. page 4 CAPACITY MARINE CORPORATION Marine Insurance Brokers and Reinsurance Intermediaries - Capacity Marine Corporation is a wholesale/retail marine insurance brokerage and reinsurance intermediary, specializing in the placement of marine and international risk. page 5 PROTRANS, INC. Transportation Insurance Specialists - ProTrans is one of the premier transportation underwriting facilities in the United States providing coverage for school buses, motor coaches, limousines, and motorsports. page 6 ATLANTIC COAST SURETY, LLC Bonds and Surety - Atlantic Coast Surety (ACS) develops solid bond programs tailored to meet your company s needs. page 7 CAPACITY BENEFITS & FINANCIAL SERVICES GROUP, LLC As your strategic partner, we examine every angle to help you reduce costs while maintaining the quality of benefits you need to attract and retain top employees. page 8 NAESIP, LLC NAESIP provides a full range of insurance administration, claims management, and risk control services for environmental consultants and contractors. page 9 CAPACITY BENEFITS GROUP, INC. Group Life, Health, Retirement, and Financial Programs - Capacity Benefits Group provides group life insurance, medical, dental, disability, and prescription drug plans. page 10 ARM CAPACITY OF NEW YORK, LLC ARM focuses on achieving superior financial results by leveraging our knowledge within the insurance marketplace with aggressive marketing and negotiating techniques. page 11 NORTHWIN INSURANCE SERVICES NorthWin provides clients with the most comprehensive, highest quality and most competitively priced programs in the hospitality industry. page 12 CAPACITY GROUP OF NEW YORK Commercial and Personal Insurance - The Capacity Group of New York extends our reach in the Metro area and enables Capacity to better serve its New York clients.

4 Capacity Coverage of NJ, Inc. Commercial and Personal Insurance Capacity Coverage Company of New Jersey, Inc. represents a host of the finest, and top rated insurance carriers in the world. Our collective knowledge of the insurance marketplace coupled with our ability to recommend product from one of many insurance carriers enables us to offer unparalleled asset protection. Commercial Services and Products Commercial Package Policies Property Business Interruption General Liability Crime Coverage Auto Liability Physical Damage Inland Marine Workers Comp Employment Practices and Liability Insurance Directors and Officers Liability Pollution Liability Umbrella and Excess Liability Commercial Niche Programs Ambulance Coach Charter Bus Courier Limousine Moving and Storage School Bus Trucking Real Estate Hedge Funds Warehouse/Record Storage Our free online P&C and HR services enables you to: Produce employee newsletters Create safety programs Generate forms and insurance reports Research insurance and HR issues Provide answers to HR Legislative questions Offer an online wellness education center for your employees Access OSHA reporting system Obtain insurance information 24/7 Issue Certificates of Insurance online Our unique ability to get the job done anytime and anyplace has earned us a reputation for outstanding professionalism and customer service 3

5 Atlantic Risk Specialists, Inc. Wholesale Brokers and Managing General Agents Atlantic Risk Specialists (ARS) is a full service wholesaler and managing general agent with offices in New Jersey, New York, and Florida. The insurance professionals of ARS have many years of experience in all aspects of program management, underwriting, and brokerage sales. ARS represents over sixty insurance markets from large worldwide carriers to the small regional companies. Our company divisions include Commercial Brokerage, Workers Compensation, and Professional Liability. ARS provides a broad spectrum of competitively priced programs: Commercial General Liability Commercial Property Coverage ARS offers a broad spectrum of competitively priced insurance programs Commercial Package Policies Automobile and Transportation Risks Restaurant Program including Liquor Liability Vacant Property Construction Owner s Interest Package Garage Coverage Builders Risk/Inland Marine Boiler/Machinery/Equipment Umbrella/Excess Liability 4

6 Capacity Marine Corporation Marine Insurance and Reinsurance Capacity Marine Corporation (CMC) is a wholesale/retail marine insurance brokerage and reinsurance intermediary, specializing in the placement of marine and international risk. Our dedicated and expert staff will assist your organization in developing underwriting data, marketing as well as placing your current and future business requirements. CMC s marine insurance professionals offer clients insurance alternatives and shop premiums diligently to ensure that you do not pay more than necessary for your coverage. Capacity Marine provides a full array of services including placement of the following lines: Freight Forwarders Importers/Exporters, Open Cargo Food Industry Refrigerated Cargo Builders Risks Marine Professional Errors & Omissions Warehouse Storage Legal Liability Marina Packages Fine Art Floaters Garment Contractors Heavy Equipment International Property and Casualty Blue and Brown Water Vessels We provide a complete solution of specialized insurance and reinsurance services 5

7 ProTrans, Inc. Transportation Program Managers & Wholesalers ProTrans is one of the premier transportation Wholesalers and Program Managers in the United States. ProTrans offers the finest-quality insurance coverage for private school bus operators, motor coach operators, and the limousine industry.protrans underwrites commercial automobile insurance for specific for-hire auto classes through a network of producers comprised of commissioned sub-brokers, approved, appointed, and supported by ProTrans. ProTrans is the co-owner of racing insurance specialists WSIB Insurance Agency, LLC. WSIB provides Motorsports Coverage for Professional and Semi-Professional Race Teams. As a full-service Program Administrator and Wholesalers in the for hire public transportation industry, ProTrans offers: Full Management and monitoring of distribution systems Full underwriting guidelines, risk analysis, and services Submission applications and supplements All motor vehicle filings and forms Access to Industry Leading Insurance providers Protection for the smallest operator to the largest fleet of school buses, motor coaches and limousines ProTrans offers the following Coverage: Automobile Liability Automobile Property Damage Umbrella GIL Property EPLI Workers Compensation Abuse and Molestation Excess Liability Our value added services Include: Financing Options State, Federal, and County Filings Accident Reporting Kits Loss Control Services Claims Review 6

8 Atlantic Coast Surety, LLC Surety and Bonding Plans Atlantic Coast Surety (ACS) develops solid bond programs tailored to meet your company s needs. Our experienced staff will help you with the full range of contract business, from the small specialty contractor to the large general and multi-trade firms. Today many bond requirements call for bonds that are written by Treasury-listed and highly-rated surety companies. ACS puts together the pieces of the bonding puzzle by offering a wide range of options from many companies that have the security and acceptability the marketplace demands. Our bonding specialists have developed special programs with an extensive network of quality surety companies, enabling us to provide customers with ready access to: Standard and Speciality Markets Treasury-listed Sureties Customized programs at competitive rates One Source For All Your Bond and Surety Needs One Source for Any Surety Requirement Bid and Performance Bonds Supply Bonds Site Improvement Bonds License and Permit Bonds Motor Vehicle Dealer Bonds Court Bonds Commercial and Fidelity Bonds Service Contractor Bonds Transportation Contractor Bonds Subdivision/Site Plan Bonds 7

9 The Capacity Benefits & Financial Services Group, LLC Your Strategic Partner for Employee Benefits As your strategic partner, Capacity helps you analyze and control your existing plan from its structure to employee demographics to utilization. We examine every angle to help you reduce costs while maintaining the quality of benefits you need to attract and retain top employees. We help you lower renewal costs without compromising the quality of your benefits program. Lowering premiums is only one part of reducing your total benefits costs. Significant savings come from reducing premiums whilelowering your administrative, renewal, and employee service costs. Capacity can do all of this for you, and also offers many valuable services for free. We Offer a Full Range of Benefit Products from Major Insurers Health, Dental, and Vision Plans Life and AD&D Short and Long Term Disability Employee Assistance Plans (EAPs) Long Term Care 529 Plans*0 401(k)* SEP/Simple Plans* Pension/Profit Sharing* Deferred Compensation We insurance professionals develop strategic plans that control employer s benefits costs *Securities and Investment Advisory Services are offered through American General Securities Incorporated 2727 Allen Parkway, Suite W290, Houston, TX 77019, (800) , Member NASD and SIPC Member of the American International Group,Inc.CFS, the Capacity Group, and AmericaGeneralSecurities,Incorporated are separate and unrelated entities 8

10 NAESIP, LLC Environmental Insurance The National Alliance of Environmental Specialists Insurance Program was developed in conjunction with environmental consultants and contractors. NAESIP provides a full range of insurance administration, claims management, and risk control services. NAESIP reduces the cost of environmental business coverage while offering the most comprehensive coverage possible. Small and midsize firms receive the same level of insurance services and expertise that is usually reserved for larger companies. Our Exclusive Environmental Programs Include: General Liability, Pollution, and Professional coverage Excess policy available to cover over general liability, pollution, professional, employers liability, and business automobile coverage limits Supplemental Limit provides defense coverage outside of general liability limit Property coverage can include business income and/or extra expense limits NAESIP provides insurance products and value-added services to the environmental industry Underground and down-the-hole coverage endorsements designed for environmental concerns Coverage for Income Loss due to damaged equipment Plus, we offer Group Benefits and Workers Compensation Plans as well as many free value added services 9

11 Capacity Benefits Group, Inc. Group Benefits Program Group Life, Health, Retirement, and Financial Programs Puzzled by how to manage the fast rising cost of employee benefits? Managed care, self insurance, legislation all these have made group health and employee benefit plans increasingly costly. The seasoned, high-caliber professionals of The Capacity Benefits Group (CBG) provide no pressure, straight-forward, knowledgeable advice, and counseling for individuals and companies. With our extensive network of major insurance and financial companies, we can help you find the right product at the right price. Capacity Benefits Plus, our online HR service can help with answers to Legislative questions, instant access Group provides to articles from Benchmarking to Plan Design, and an online wellness education center for your employees. One Source for All These Benefits Services Plan Design Expertise Administrative Support Financial Reporting Services Information Resources and Program Installation Assistance Program Installation Assistance Alumni, Retiree, and Association Programs The Capacity Benefits Group Provides a Comprehensive Array of Programs for Organizations of All Sizes Medical Insurance Dental Plans Prescription Drug Plans Disability Plans Voluntary Benefit Programs Whole, Term, and Group Life Long Term Care Deferred Income Plans Retirement Plans 401(k)s expertise and planning, as well as creative and innovative services in such areas as group life insurance, medical, dental, disability, and prescription drug plans 10

12 ARM - Capacity of New York & Financial Services Group, LLC ARM-Capacity of New York is a professional insurance services firm that focuses on achieving superior financial results for our clients by leveraging our knowledge and reputation within the insurance marketplace with aggressive marketing and negotiating techniques. Our staff of professionals are committed to identifying, implementing and monitoring a risk management plan designed to meet each client's unique need. Comprehensive Insurance Services Contract Review Insurance Policy Review Insurance Placement & Negotiation Policy Maintenance Claims Management Experience Modification Management Certificates of Insurance Insurance Placement & Negotiation Property & Casualty Insurance Coverages Property General Liability Product Liability Boiler & Machinery Workers' Compensation Automobile Umbrella / Package Builders Risk Employee Dishonesty Employment Practices Liability Director's and Officers' Liability Fiduciary Liability Professional Errors & Ommissions Liability Pollution/Environmental Liability Underground Storage Tank Coverage Ocean Marine Flood Homeowners Valuable Property Watercraft Our success is our continuous drive to exceed client expectations Employee Benefit Services Vendor Selection and Management Administrative Assistance Employee Communication Consulting Regulatory Counseling and Compliance Human Resource Support Employee Benefits Health Insurance (HMO/PPO/POS) Simple IRAs Life Insurance Disability Dental Plans Buy Sell Agreements Business Overhead Insurance Payroll Deduction Savings Plans Travel Accident Insurance Cobra Administration Employee Surveys Long Term Care Programs Short and Long Term Disability Section 125 Plans 11

13 NorthWin Insurance Services Hospitality Industry Insurance NorthWin's unique partnership with Managing General Agents and program administrators provides clients with the most comprehensive, highest quality and most competitively priced programs in the hospitality industry. NorthWin provides the coverages you need, easy quotes, quick responses, as well as risk management programs and insurance services tailored to help your hospitality business minimize losses and maximize profits. One Source for All These Hospitality Insurance Services: Motor Vehicle Reports (MVR)* Workers Compensation Background Checks* Disaster Recovery Planning Assistance* OSHA Hotline* * Available at an additional cost. Our Specialty is Insuring the Hospitality Industry NorthWin Insurance Services Provides a Full Line of Employee Benefits for the Hospitality Industry Group insurance Life Health Dental Disability Voluntary payroll deductions coverage Universal life AD&D Retirement 401(k) plans Pension and profit-sharing plans 12

14 OUR COMMITMENT TO OUR CUSTOMERS The Capacity Group believes we enhance our customers best interests by establishing a relationship of trust and full disclosure in helping our customers evaluate and obtain the insurance protection they need. We are guided first and foremost by our customers needs and our commitment to integrity in our business. We are guided by the following principles with respect to new and renewal business: Our recommendations and solutions to our customers will result from our customer's best interest. There will be no conflicts between the interests of our customers and the interests of any other person or entity. We shall provide our customers with the proposals of the best available insurer which will be the most suitable insurer that is willing to provide the requested coverage for our customers taking into consideration the coverage to be provided service, financial security and price. We shall always advise our customers to select the best available insurer. We shall not provide our customers with false insurance premium quotes. We shall always take reasonable measures to obtain a quote from an insurer that we deem to be a best available insurer for our clients. We will monitor these commitments by a series of internal controls, including regular compliance reviews and audits. We will maintain a toll-free number to monitor any customer complaints relating to our failure to fulfill our commitments to you. We shall not solicit noncompetitive premium quotes from insurers. If we suggest multiple insurers, we will provide a concise description of the pros and cons of each insurer s quote based solely on our good faith evaluation of each of our customer's needs. We shall always advise our customers to select the best available insurer from among multiple insurers if suggested to our customers. 13

15 CAPACITY'S SERVICE HELP REDUCE YOUR COST OF INSURANCE Comprehensive Insurance Risk Review Clarifies What Coverage You Need and Why You Need It As your insurance broker, it is our job to analyze your business and clearly explain your coverage needs to you. We start by assessing the strengths and weaknesses of your current program. Then we perform a review of your entire insurance program instead of just focusing on individual lines of coverage. Our review allows us to advise you how and why your insurance program can be designed to reduce your overall cost of insurance. Reduce Your Insurance Costs with Customized Loss Control Programs Based On Our Analysis of Your Business Reducing insurance related costs requires controlling risk through sound loss control and risk management techniques. Capacity Coverage conducts a Loss Control Evaluation of your operation to identify the strengths and weaknesses of your loss control programs. Based on our analysis, we provide customized programs to enhance your current loss control efforts. Capacity Claims Advocacy Service Helps Reduce Your Cost of Risk Capacity Coverage helps clients resolve claims situations. Our goal is to seek the most favorable claim resolution which includes taking into account the impact on future premiums. We help our clients ensure their insurance carrier provides the best claims response possible within the policy structure. We represent you, not your insurer. Throughout the claims settlement process, we resolve any disputes and present analyses to the insurer to ensure a fair settlement. 14

16 EACH OF OUR PRODUCTS AND SERVICES ARE SUPPORTED BY INDUSTRY SPECIALISTS BUSINESS INSURANCE Commercial Package Policies Automobile Workers Compensation Umbrella and Excess Liability Employment Practices Liability Directors and Officers Liability Cargo Crime Property Liability Physical Damage Garage Professional Liability PERSONAL INSURANCE Homeowners Automobile Umbrella Boats and RVs Speciality Coverage MARINE INSURANCE Freight Forwarders Importers/Exporters Builders Risks Trucker Inland Cargo Blue/Brown Water Vessels TRANSPORTATION School Bus Limousine Courier and Messenger Trucking Moving and Storage Motor Coach Social Services Ambulette/Ambulances BONDS Transportation Contractor Bonds Subdivision/Site Plan Bonds Commercial and Fidelity Bonds Court Bonds Let Capacity solve the Insurance puzzle for you EMPLOYEE BENEFITS Health, Dental, and Vision Plans Life and AD&D Short and Long Term Disability Employee Assistance Plans (EAPs) Long Term Care 529 Plans* 401(k)* SEP/Simple Plans* Pension/Profit Sharing* Deferred Compensation Flexible Benefits *Securities and Investment Advisory Services are offered through American General Securities Incorporated 2727 Allen Parkway, Suite W290, Houston, TX 77019, (800) , Member NASD and SIPC Member of the American International Group, Inc.CFS, the Capacity Group, and American General Securities,Incorporated are separate and unrelated entities FINANCIAL PLANNING Retirement Planning Long Term Care Insurance Disability Income Life Insurance NICHE MARKETS Ambulance Coach Charter Bus Courier Limousine Moving and Storage School Bus Real Estate Hedge Funds Warehouse/record Storage Motorsports Hospitality Environmental Contact Capacity today at Visit our website at Capacity Group Headquarters One International Blvd. Mahwah, NJ 07495