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 Business Name:
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Partners /
Owners: |
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Legal Entity:
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Full-Time
Employees: |
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Years in
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Part-Time
Employees: |
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Annual Revenue:
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Sub-Contractors: |
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Is this a
one-time or seasonal business or event: |
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businesses: |
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Select at Least One Type
of Coverage |
Business
Property Casualty Insurance
General Liability
A broad commercial policy that covers all liability
exposures of a business that are not specifically
excluded. Coverage includes product liability,
completed operations, premises and operations, and
independent contractors.
Commercial Auto
The policy provides liability protection against third
party's claims for any losses, damages or injuries
arrising out of use of insured vehicles in the course
of business activities, as well as compensates for any
property losses while in transit, arrising out of use
of insured vehicles in the course of business
activities.
Commercial Property
Protects against the loss or loss of use of company's
property.
Professional Liability (E&O)
Protects against claims related to allegations of
negligent activities or failure to use reasonable
care.
Directors and Officers Liability
Covers directors and officers of a company for
negligent acts or omissions, and for misleading
statements that result in suits against the company,
often by shareholders.
Business Owners Package Policy (BOP)
A policy that combines property, liability and
business interruption coverages for small and
medium-sized businesses. Coverage is generally cheaper
than if purchased through separate insurance policies.
Workers Compensation
Insurance that pays for medical care and physical
rehabilitation of injured workers and helps to replace
lost wages while they are unable to work. State laws,
which vary significantly, govern the amount of
benefits paid and other compensation provisions.
Commercial Crime
Insurance that covers company's property for the
perils of burglary, theft and robbery.
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Business
Employee Benefits
Group Health
A single health insurance policy covering a group of
individuals, usually employees of the same company or
members of the same association and their dependents.
Coverage occurs under a master policy issued to the
employer or association.
Group Life
A single life insurance policy covering a group of
individuals, usually employees of the same company or
members of the same association and their dependents.
Coverage occurs under a master policy issued to the
employer or association.
Group Disability
A single disability insurance policy covering a group
of individuals, usually employees of the same company
or members of the same association and their
dependents. Coverage occurs under a master policy
issued to the employer or association.
401k / Retirement Plans
Retirement plans allow employees in private companies
to make contributions of pre-tax dollars for a future
withdrawals. The withdrawals from a 401k plan can be
made after age 59 1/2 without penalty.
Supplemental Plans / AFLAC
Supplemental health insurance, mainly limited to
reimbursement for medical, nonmedical and surgical
expenses.
Key Man Life Insurance
Insurance on the life or health of a key individual
whose services are essential to the continuing success
of a business and whose death or disability could
cause the firm a substantial financial loss.
Key Man Disability Insurance
Insurance on the disability of a key individual whose
services are essential to the continuing success of a
business and whose death or disability could cause the
firm a substantial financial loss.
Deferred Compensation
Earnings that an employer deducts from an employee's
earnings and places in a qualified retirement plan,
such as a 401(k). The money is distributed at a future
date, usually at retirement, because of IRS rules. The
money is not taxed until the employee receives the
distribution from the plan.
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