Commercial Property and Casualty Lines
Commercial Property
Commercial General Liability
Crime
Equipment Breakdown Protection
Inland Marine
Auto
Business Owner's Plan
Workers Compensation
Covers building and business personal property
Covers many of the common liability loss exposures faced by an organization including its operations, products, and premises
Covers property against crime perils, such as employee theft and robbery; covers money and securities
Covers loss from the accidental breakdown of equipment that operates under pressure or controls, transmits or uses electrical or mechanical power
Covers many classes of property, usually involving an element of transportation
Covers auto loss exposures for organizations other than auto dealers and motor carriers.
A BOP is a special type of package policy that combines and simplifies most of the property and liability coverages needed by a small or medium sized business, such as stores and offices. Other lines of coverage may or may not be included.
Professional Liability
Tel: (501)-375-3737
Captives
1. No new lasers as long as you’re in the Captive
2. 30% rate-cap on stop-loss premium
3. Sharing in underwriting profits
4. Block pricing and leveling out of renewals (pooling) due to $350M in stop -loss premiums by the Captive
5. 12 month incurred and 18 month paid (12/18) specific aggregate contract -this allows your groups to be in the Captive for one year and leave if you wish to do so with protection for six months of run-out (most are 12/15 contracts)
6. Negotiate out of network claims
7. Captive RX Consortium - member retains and receives all drug rebates
(saves on average 20% on drug claims)
8. On - staff clinical pharmacists working on behalf of our members (saved over$3M last year in the Captive)
9. PBM included in the Captive
10. Direct provider contracts
11. Springbuk - The Captive’s data health intelligence platform provides you with more real-time and immediate visibility and insights into your population’s health