Package policies for office insurance offer a blend of both Business Property & General Liability coverages. Such protection is also typically mandated by the landlord via lease as well as select vendors and customers.

Coverage’s include:

• Business Property
• Tenant Improvement & Betterments Coverage
• General Liability 
• Business Interruption and Extra Expense
• Non-owned and Hired Auto Liability
• Umbrella (additional liability limits)

Additional Coverages Available:

• Flood
• Earthquake
• Employee Benefits Liability &
• Commercial Auto

The first order of business for most emerging managers is to put in place a quality health care plan for the founding partners, executives and future hires. For small groups (under 100 lives), options are limited as plan design and rates are set by the individual states.

 
Professional Employer Organizations (PEOs)

This is a single source solution for medical insurance, workers comp, payroll, 401k and HR support. It uses the collective size of many employers combined to potentially achieve discounted rates or premiums.

We are a channel partner for many of the top PEO's serving the industry and can advise and provide consultation around the one that is right for your organization.

Ask us to tell you more about PEO’s and if one might be a fit for you.

A package policy inclusive of:

• Foreign Property
• Foreign General Liability
• Foreign Hired/Non-Owned Automobile Liability; and
• Foreign Voluntary Workers’ Compensation/Employers’ Liability Coverage.

These coverages are elective and fill in the overseas gap in coverage left by an equivalent domestic policy. The policy also includes sub-limited amounts of Kidnap and Ransom Coverage & Accidental Death and Dismemberment Coverage. There is also a travel assistance component to the coverage, where you can contact the carrier and obtain information regarding security, medical assistance, and other travel related information.

This policy works similar to the Accidental Death and Dismemberment coverage in a Foreign Package policy (only with higher limits). Coverage is awarded to an Employee, Spouse/Domestic Partner, and any dependent children during any trip (foreign or domestic). It also provides coverage for medical evacuation and repatriation expenses. The same travel assistance components on the Foreign Package policy are included.

Operating managers in any corporation face the daunting challenge of protecting valued employees and corporate assets. In most organizations, few people fully understand exposures such as kidnapping and extortion. But extortion, crime, and political instability are facts of life that corporate leaders must deal with when transacting business in an increasingly global and, unfortunately, hostile environment. K&R coverage provides reimbursement for expenses incurred in the wake of a kidnap& ransom, extortion bodily injury, detention and extortion related property damages.