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Short
Term Medical Plans
Many people find themselves without health insurance, an individual temporarily out of
work, a student just out of school or a child no longer covered on a parent’s policy.
It is possible to purchase insurance for up to 90 days by providing simple information.
Coverage will only cover illnesses that happen within the policy period (preexisting
illnesses will not be covered).
Non-Profit
Directors & Officers Liability
EMPLOYMENT RELATED CLAIMS: Broad Definition of claim including the Entity for actual or alleged acts:
- Wrongful Dismissal, discharge, or termination of employment.; Violation of employment
laws;
- Employment related misrepresentation
- Sexual or workplace harassment; and Discrimination (age, race, sex, disability)
- Wrongful failure to employ or promote
- Wrongful discipline, such as negligent evaluation, or deprivation of a career
opportunity
- Breach of any oral or written employment contract or quasi-employment contract
- Failure to grant tenure; Negligent evaluation; Retaliation
- Failure to provide adequate workplace or employment policies or procedures
ANTI TRUST: usually excluded, but this program has no such exclusion.
PUBLISHERS LIABILITY includes invasion of privacy; copyright infringement; false or misleading
statements; plagiarism; unfair competition; libel and slander.
PROGRAM FEATURES : This is the
key to coverage, and is very broadly defined in this policy.
DUTY TO DEFEND COVERAGE: A
duty to defend policy requires the insurer to provide defense, rather than reimbursing for
costs, includes written demand for damages for alleged Wrongful Act.
REQUIRED CLAIM NOTICE
INSURED OPTION: Insured has the option to select their own defense
counsel.
ENTITY COVERAGE INCLUDED: Lawsuits frequently name the organization as
the defendant. Most D&O policies do not provide coverage or defense for claims against
the organization.
DEFENSE OUTSIDE THE LIMIT: This prevents defense cost from eroding the
limit of liability and is included at no additional cost for organizations with budgets up
to one million dollars.
THREE YEAR POLICY OPTION: Premiums are billed annually (subject to
review of loss history).
SUBSIDIARIES: Most not-for-profit are included, for-profit will require
some additional information for inclusion.
PRIOR ACTS ARE COVERED: As
long as you have no knowledge of a potential claim before the start of the policy.
INSURED PERSONS: Directors, officers, trustees, employees, volunteers
and committee members.
COSTS: Low, as the policy
minimum premium is only $880.
This program is insured by The Great American Insurance Company of Cincinnati, Ohio
providing unexcelled service and financial security, with A.M. Best rating of
"A" (Excellent).
Steadicam
Program
The program is
underwritten by Fireman’s Fund, which has a Best’s Financial Rating of A
(Excellent).
Coverage is
written on a full replacement cost basis (no deduction for depreciation at
time of loss) and is worldwide in scope. Please note this program also
insures your equipment against Acts of Terrorism as respects the enactment
of the Terrorism Risk Insurance Act of 2002. We offer three deductible
options of $500, $1,000 (8% credit from base rate) or $2,500 (15% credit
from base rate).
In addition to
your scheduled equipment, we cover any leased or rented equipment up to the
value of your scheduled equipment or $100,000; whichever is less, at no
additional charge. A 25% down payment is required to bind coverage
with the balance due within 30 days of the policy effective date.
We also offer
rental expense reimbursement coverage for either a $5,000 or $10,000 limit
as an option. This coverage will reimburse your rental expense should a
covered “loss” to equipment you own make it necessary to rent replacement
equipment to continue your normal operations of the work in progress. In
conjunction with the rental expense reimbursement coverage, you also receive
$5,000 for loss of use coverage should your rental agreement make you
responsible for their down time.
The program has
been in existence for 9 years and we currently have 150 participants
countrywide.
Long Term
Care Insurance
What is Long Term Care?
It is the type of care received when someone needs assistance with daily living due to
an accident, an illness or advancing age, either at home or in a facility.
Understanding Long Term Care.
Today 12.8 million people of all ages need a type of assistance know as Long Term Care
(LTC). This means they need help with Activities of Daily Living (ADLs), such as bathing,
dressing, eating, toileting, continence and housekeeping. The need for care may arise out
of illness, injury or advancing age. Almost 40% of those who need help with everyday
activities are working age adults.
Today, more and more Americans are receiving home health care and hospice care as an
alternative to nursing home care. In fact:
- 80% of all Long Term Care is now provided outside a nursing home.
- More than 22 million families currently provide informal, unpaid care for an elder
parent or relative, this number has tripled in the past ten years.
How much does LTC cost?
Average cost in the Midwest varies from $40 to $50,000 per year. Costs are expected to
triple in 20 years and will be over $200,000 a year in 30 years. Who will pay for Long
Term Care?
- Medicare and Medicare supplements will pay for approximately 8%. Benefits received are
for a short period of time – less than four months.
- Medicaid contributes approximately 45%. However, Medicaid requires assets be depleted to
poverty levels in order to qualify for benefits, in most cases.
- Your personal savings – How long will it last?
- Long Term Care Insurance
International
Medical Coverage
- Medical Coverage for Foreign Nationals Visiting the United States.
The increase in international travel has highlighted the need for health
coverage specifically designed to provide insurance while you are traveling outside your
home country. In many cases your primary insurer will not cover you while you are
outside your home country of residence. This could present a dilemma.
- Long Term Medical Coverage for Individuals Traveling Outside Their Home
Country.
The world is changing. It seems to be getting smaller all the
time. Barriers are dropping. Emphasis is shifting. There has been an increase
in international travel. As a result, many are faced with finding adequate accident
and health coverages that will extend worldwide. With this in mind, Global
Underwriters Agency Inc. has developed a plan to provide exceptional medical coverage,
accidental death and dismemberment benefits, and 24 hour emergency travel assistance
service.
- Medical Coverage for Individuals Traveling Outside Their Home Country.
Every year millions of people travel outside their Home Country for
business and pleasure. Often, their health care plans are not designed to provide
coverage while they are out of the country. With this in mind, Global Underwriters
Agency Inc. have developed a plan to provide exceptional coverage for international
travelers.
Click
here, If you would like to receive a free quote on one of the three above coverages.
Ohio Roofing Contractors Association
Click below link to download application.
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