Friday, May 31, 2013

Property and Casualty


You Didn’t Get Here By Chance

You offer quality automobiles, feature well-trained sales professionals, and have an outstanding service department—but not by chance.

It’s Our Business to Protect Yours®

Federated representatives have the expertise to help keep your dealership running smoothly. See
Locate Your Federated Representative.Your representative uses The Right Report® to gather details about your business and identify your specific insurance needs. We then design a professional insurance program especially for you and follow up with unmatched client service throughout the policy year to keep your business on the road.

Coverage tailored to your industry

Not all insurance policies are created equal. Federated has created specific coverages for your industry based on input from experts within the auto dealer industry.*

Total needs programming

The adage that you shouldn’t put all of your eggs in one basket isn’t generally true for insurance. We can integrate a cost-effective insurance and risk management program to include property, liability, workers compensation, business auto, group health, and life and disability needs.

Building Material Dealers

Sign On

Selection, Expertise, Timely Delivery

Your customers expect you to provide an extensive product selection, expert advice, and timely delivery. You’ve built your reputation and a successful business by consistently meeting or exceeding your customers’ expectations.
Shouldn’t you expect the same from your insurance company?

It’s Our Business to Protect Yours®

Federated representatives offer quality insurance products and expertise to make sure your insurance program is running smoothly. See Locate Your Federated Representative.
Your representative uses The Right Report® to gather details about your business and identify your specific insurance needs. We then design an insurance program tailored to your business and follow up with superior service and timely policy delivery that get the job done.

Coverage tailored to your industry

Not all insurance policies are created equal. Federated has created specific coverages for your industry based on input from experts within the building material and hardware industry.*

Total needs programming

The adage that you shouldn’t put all of your eggs in one basket isn’t generally true for insurance. We can integrate a cost-effective insurance and risk management program to address your property, liability, workers compensation, business auto, group health, and life and disability income needs

Auto Service and Repair

Diagnosing Problems and Providing Solutions

Your customers rely on their vehicles every day. When they have problems, they rely on you to diagnose the trouble and make the necessary repairs. They know you have the expertise to keep their vehicles running smoothly.

It’s Our Business to Protect Yours®

Federated representatives have the expertise to make sure your insurance program is running smoothly. See Locate Your Federated Representative.
Your representative uses The Right Report® to gather details about your business and identify your specific insurance needs. We then design an insurance program tailored to your business and follow up with unmatched client service throughout the policy year to keep your business on the road.

Coverage tailored to your industry

Not all insurance policies are created equal. Federated has created specific coverages for the auto service and repair industry based on input from auto service professionals like you.*

Total needs programming

The adage that you shouldn’t put all of your eggs in one basket isn’t generally true for insurance. We can integrate a cost-effective insurance and risk management program to address your property, liability, workers compensation, business auto, group health, and life and disability income needs.

Retail & Wholesale

Sign On

Customer Focus Keeps Your Customers Coming Back

Knowing your customers and focusing on their needs is critical to the success of your retail/wholesale business. It’s what keeps your customers coming back.
Your local Federated representative also knows the value of focusing on the needs of customers.

It’s Our Business to Protect Yours®

Your representative uses The Right Report® to help identify your specific insurance needs and design an insurance program tailored to your business. Federated follows this up with unmatched client service throughout the policy year that will keep you coming back. See Locate Your Federated Representative.

Coverage tailored to your industry

Not all insurance policies are created equal. Federated has created specific coverages for several industries that are designed to fill gaps that often exist in standard policies. How did we get the expertise to develop these specialized coverages?* By listening to business owners like you.

Total needs programming

The adage that you shouldn’t put all of your eggs in one basket isn’t generally true for insurance. We can integrate a cost-effective insurance and risk management program to address your property, liability, workers compensation, business auto, group health, and life and disability income needs.

*All products, services, and coverages may not be available in all states. Terms of the insurance policy will control. Contact your local Federated representative for further information

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Thursday, May 30, 2013

Business Life Insurance

Business Life Insurance

If you die unexpectedly, what would happen to your business? How would your staff react to a sudden loss in leadership? More importantly, who would financially take care of your family and their interest in your business?
A business life insurance plan from Sentry can help ensure that your family and business are taken care of when you die. Sentry’s plans include:

Key Person Protection

Key Person protection replaces lost profits resulting from your unexpected death or the death of a key employee. Learn more

Buy/Sell Protection

Buy/Sell protection ensures that the family members and/or key employees who you designate will be able to continue the business and your estate will receive a fair price. Learn more

Business Debt and Family Income Protection

Business debt protection guards your estate and business from asset liquidating by satisfying mortgage and debt obligations. Income protection also ensures your dependents will continue to receive an income. Learn more

Key Person Protection

If one of your top executives, top sales professionals or other key employee dies, could your business make up the lost income while you recruited and trained a replacement?
A key person life insurance plan can help defray recruiting expenses, relocation expenses, training expenses and added salary for the new employee.

Determine Your Key Person Protection

(guideline is three times the key person’s current salary)


1. Profit Protection –  How much of your annual profits would you like to replace and for how many years?
$
x
2. Replacement Protection –  How much cash would be needed to hire, move and train a new key person?
$
$

Buy/Sell Protection

As a business owner, your business interest passes to your heirs when you die. Although your heirs inherit the business, they may not work in the business and may have no desire to do so. What happens to your business if you die?
A properly funded buy/sell agreement using life insurance may ensure that the family receives a fair price for the deceased's stock and that the surviving stockholders will be able to continue the business. Business life insurance on each owner may ensure that there is cash to pay for the deceased's share of the business.
What are the alternatives for your heirs and any other surviving owners?

For the Heirs

Enter Business with Survivors
  • What salary should heirs receive?
  • Is this desirable?
Buy Out Business
  • What salary should heirs receive?
  • What is the price?
Sell Stock to Outsiders
  • Is there a market for the stock?
Sell Stock to Survivors
  • How do you assure a fair value?

For the Surviving Owners

Accept Heirs into the Business
  • Do they have experience?
  • Are they active in the business?
  • What salary should they receive?
Sell to Heirs
  • Is it practical?
  • What is the price?
  • Where do they get the money?
Accept an Outsider who Buys Heirs’ Stock
  • Do they have experience?
  • How active will he/she want to be?
Buy Out Heirs
  • What is the price?
  • Where do you get the cash?
  • Will they sell?

Business Debt and Family Income Protection

Most small business owners must personally guarantee the mortgage on their land and building. This means that if you, the business owner, should die, the lender may claim both your business and the building; and can claim your personal assets that are not exempt. Also, if you die, the income from the business that helps to support your family could stop. If you die, would your family have the cash to cover your business debts and mortgage and have enough sufficient income on which to live?
A strategically prepared business life insurance policy may ensure continued family income and provide the funds to pay your business debts, while supporting your business through the initial months of your absence.

Determine Your Needs

$
$
$
x
$
Let a Sentry sales representative help you protect your business with business debt and family income protection funded with life insurance. Click here to Find an Agent.

Trucking Insurance

Trucking Insurance Information from Sentry



Coverages

Whether your exposures apply to property, general liability, auto, workers’ compensation or other essential coverages, Sentry has the expertise to help you develop an insurance program designed to fit your dealership’s needs.
Our products provide innovative solutions, including:
  • Coverage for expenses arising out of discrimination, wrongful termination and other employment-related matters. Sentry’s coverage is broader than that of most of our competitors.
  • Full replacement cost for a building even if the cost to rebuild is greater than the limit on your policy
  • Coverage for lost profits and ongoing expenses for 12 months, without a cap on the limit
Discover why Sentry is the right choice for your truck and trailer dealership’s insurance needs. To find a local representative who can help you reduce costly losses and avoid business interruptions, click here.

Claims Services Page Banner

Claims Services

At Sentry, we make a powerful promise to our policyholders to be there when they need us. Our dedicated team of claims experts will provide you with prompt and fair claims service from initial report through claim resolution.
Our outstanding claims handling is the foundation of our long-term relationship with our policyholders. With Sentry as your business insurance provider, you’ll benefit from our:
  • Knowledgeable claims professionals experienced in the truck and trailer dealerships industry
  • 24/7 phone, fax or web claim reporting
  • Nationwide network of claims adjusters
  • Dedicated catastrophic loss team for rapid response in the event of a natural disaster
  • Rapid response property team, which can get you back into business quickly
To report a claim, click here.

Truck and Trailer Dealerships Safety Services Page Banner

Safety Services

Sentry’s safety expertise can help your dealership save lives, time and money. Our team of professional safety consultants guides customers through risk scenarios, regulatory demands and training or program gaps. We know the truck and trailer dealership industry and provide many specialized services, including:
  • Mock OSHA inspections
  • Workplace safety program development
  • On-site safety and hazard assessments
  • Loss trend analysis
  • Product liability surveys and assessments
  • Safety committee development
  • Industrial hygiene services
When you become a Sentry policyholder, you’ll enjoy the convenience of having information at your fingertips through our online resource – Sentry @ Your Service. This site is designed to help you protect and manage your business by providing access to:
  • Sentry Solutions – a series of resources which addresses unique issues that truck and trailer dealers face
  • 52-Week Safety Training Calendar – weekly topics and resources to help raise safety awareness at your dealership
  • Preferred Practices Training (many of which are available in Spanish)
  • Sentry Safety Trainer – an interactive, online safety training system that helps lower costs and adds flexibility to your training efforts
  • Updates on pending and active disasters
  • Discounts on safety supplies
  • An online library with more than 100 safety-related resources
Truck and Trailer Dealerships Employee Benefits Programs Page Banner

Employee Benefits Programs

Employee benefits and retirement programs play an important role in attracting and retaining quality employees. Your employees and their families need protection against the financial risks of death, disability and costly dental treatment. And they need financial security when they retire.

Qualified Retirement Plans; including 401(k) and Safe Harbor

  • Customized plan designs tailored to your business
  • Full-service bundled approach to plan services
  • More than 35 investment options – including a guaranteed fund, target retirement accounts, index accounts and actively managed accounts
  • Outstanding personal service at the local, regional and national level
  • Plan sponsor and participant web access
  • Professional online investment advice services available from Morningstar®, an investment research firm that compiles and analyzes fund, stock and general market data

Employee Benefit Programs

  • Group life insurance
  • Dental insurance
  • Short-term disability insurance
  • Long-term disability insurance  
Truck and Trailer Dealerships Business Life Insurance Page Banner

Business Life Insurance

If you die unexpectedly, what would happen to your business? How would your staff react to a sudden loss in leadership? More importantly, who would financially take care of your family and their interest in your business?
A business life insurance plan from Sentry can help ensure that your family and business are taken care of when you die. Sentry’s plans include:

Key Person Protection

Key Person protection replaces lost profits resulting from your unexpected death or the death of a key employee. Learn more

Buy/Sell Protection

Buy/Sell protection ensures that the family members and/or key employees who you designate will be able to continue the business and your estate will receive a fair price. Learn more

Business Debt and Family Income Protection

Business debt protection guards your estate and business from asset liquidating by satisfying mortgage and debt obligations. Income protection also ensures your dependents will continue to receive an income. Learn more

Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704

Wednesday, May 29, 2013

For Individuals and Families

Information from ACE Insured

ACE Insured

Tuesday, May 28, 2013

Property

PropertyFinancial protection against loss or damage to insured's property caused by certain perils, including but not limited to fire, windstorm, hail, vandalism and explosion.

 
AgriBusiness® Division
Our AgriBusiness® Division is in touch with the changing needs and challenges of today’s farm and ranch operations. Our comprehensive policies allow you to cover your customer’s needs with confidence, and give you the flexibility to insure a wide range of special situations, as well.
Products include: AgriPak®, Equine Farm, DairyPak®, AgriPro®, AgriGuard®, and Equipment Breakdown.
Alternative Markets Division
Our Alternative Markets Division offers multi-state, multi-line commercial insurance products for both heterogeneous and homogeneous classes of business including general liability and property products.
American Empire Group
American Empire Surplus Lines Insurance Company (American Empire), member company of Great American Insurance Group, has consistently been one of the most innovative and successful excess and surplus lines writers in the country.  American Empire provides an excess and surplus facility for brokerage firms which do business on a wholesale basis.​
Crop Insurance Division
The Crop Division is a leading specialist in providing the tools you need for Crop Insurance. We’re one of a select few private companies authorized by the United States Department of Agriculture Risk Management Agency (USDA RMA) to write MPCI policies. With six regional offices throughout the U.S., our teams provide tremendous expertise in the specific needs of your region’s farmers and crops. Products include: Multiple Peril Crop Insurance (MPCI), Crop-Hail and Named Peril.
Equine Mortality Division
Our Equine Mortality Division is one of the world's leading providers of equine mortality insurance and related coverages through professional equine independent agents.
Products include: Full Mortality, Specified Perils, and available Endorsements.
Ocean Marine Division
Our Ocean Marine Divisions offers policies and packages tailored to your marine needs both in the U.S. and abroad.
Products include: Boat Dealers/Marine Operators Coverage, Marine Liabilities, Marine Cargo, Commercial Watercraft Insurance, Marine Craftmaster, Spill Responder Insurance, Pollution, COFR-Rite.
Property and Inland Marine Division
Our Property and Inland Marine Division is one of the largest commercial inland marine insurers in the United States and we are one of the few companies who have a Division dedicated to underwriting property and inland marine business.
Products include: Property, Builder's Risk, Contractors' Equipment, Excess Property, Transportation Cargo, Electronic Data Processing, Difference in Conditions Coverage, Communications Coverage, Bailee, Medical Diagnostic and Scientific Equipment Coverage, and Miscellaneous Floaters. 
Public Sector
Offers a comprehensive list of coverages in the reinsurance and excess insurance markets in the public entity space.
Our Specialty Human Services Division offer for-profit and non-profit social services agencies one of the most comprehensive product selections available in the marketplace​.

Specialty Insurance for Farm and Equine Farm Operations

Running a farm or ranch has always involved a lot of risks. But these days, rapid changes in the industry are raising the stakes. Advanced technologies and new environmental concerns are pushing farming and ranching in new directions. But no matter how much things change, one thing never will: Great American’s AgriBusiness® Division is committed to keeping farmers and ranchers strong with effective insurance coverage.
We’ve been helping farmers and ranchers manage the uncertainties of doing business since 1909. Today, we provide coverage for full-time farms, ranches, and other agricultural operations in all 50 states. Our farm products can cover businesses that range from fruit and vegetable farms to livestock operations. Our equine farm products cover a wide range of risks ranging from monoline property and liability, care custody or control to umbrella and auto. 
We encourage you to learn more about Great American’s AgriBusiness® Division and explore our complete portfolio of products for your customers.
For over 100 years, one thing hasn't changed — Great American's commitment to farmers and ranchers. 

Products:

  • AgriPak® and AgriBusiness®
  • DairyPak®
  • AgriPro®
  • AgriGuard®
  • Auto (both personal and commercial vehicles)
  • Riding Clubs
  • Race Horse Owners
  • Individual Horse Owner
  • Care, Custody or Control
leftAGB_200x195.jpg 

Great American Captive
Risk-Sharing Models

Captives are a great alternative to "business as usual"! Great American Captive business models deliver risk-sharing options to retail agents and associations, as well as to large accounts, either on an individual (single entity) or group basis. Through the formation of a captive insurance company our risk-sharing agents and clients can:
  • Stabilize insurance costs
  • Provide coverage solutions unavailable in the traditional market
  • Diversify revenue streams
  • Gain control of their own financial destiny
What Is a Captive?
The term “captive” originally referred to a company that was formed primarily to provide insurance coverage for the assets and risk liabilities of its parent company. Today, captives are used for many purposes, but at their simplest, they allow those involved to share profits in return for sharing risks.
Our captive business model brings risk-sharing capabilities to a variety of organizations, including:
  • Retail Agents: our industry leading Agency Captive model offers your agency an opportunity to take a risk position on your book of business, be it heterogeneous or homogeneous in nature.
  • Associations: an attractive source of non-dues revenue, our Association Captive model gives the association the ability to participate in the members risk as a whole.
  • Large Account Customers: whether your firm wishes to build its own captive (Single Entity Captive) or combine forces with other peer companies (Group Captive) our model offers a variety of risk-participation options to meet your needs.
 

American Empire Group

American Empire Surplus Lines Insurance Company operates exclusively on a non-admitted or surplus lines basis offering a wide range of casualty and property solutions to specialty wholesale surplus lines brokers on a nationwide basis.
We seek to fulfill the traditional role of surplus lines which is to act much like a safety valve to respond to individual risks or classes of business that are having difficulty finding coverage in standard markets.  Our highly experienced team of underwriting professionals are flexible and creative, able to react to new and changing opportunities.  Our problem solvers are empowered to respond boldly and quickly when time frames are critical.
We welcome unique or unusual exposures as well as risks or classes of business that may be out of favor with the broader market.  We have a proven track record of successfully navigating all phases of the underwriting cycle. 
Our wholly owned managing general agency American Empire Underwriters Inc., located in Houston, Texas, offers surplus lines solutions for primary general  liability risks and a wide array of excess exposures  to retail agents and surplus lines brokers located in Texas and to surplus lines brokers in surrounding states.
Ready to learn more about how to solve the most challenging insurance needs? Visit the American Empire website to get started.
American Empire Group, a part of Great American Insurance Group, consists of American Empire Surplus Lines Insurance Company, a surplus lines insurer; American Empire Insurance Company, an admitted insurer and American Empire Underwriters, a managing general agency and surplus lines brokerage. 
American Empire Surplus Lines Insurance Company (American Empire) has consistently been one of the most innovative and successful excess and surplus lines writers in the country.  American Empire provides an excess and surplus facility for brokerage firms which do business on a wholesale basis.
American Empire Underwriters, Inc. acts as a producing managing general agency for American Empire.  It writes umbrella, excess umbrella, general liability and following form excess business through both wholesalers and retailers.
leftAEG.jpg



 ​​​​​​​

​Specialized Crop Coverage I​ncluding Multiple Peril Crop Insurance (MPCI), Crop-Hail and Named Peril Insurance

Farmers know that success is never entirely in their hands. Each year, they run the risk that their crops may get nipped by a late-spring freeze, flooded by too much rain or devastated by drought. Their crops can be flattened by a hailstorm, or eaten up by insects. And even if farmers have a great crop, a sudden drop in prices can rob them of any profits.
The Crop Insurance Division of Great American has been helping generations of farmers take control of their risks since 1925. We’re a part of Great American Insurance Group, which traces its roots back to 1872 with the founding of its lead insurer Great American Insurance Company. And we’re one of a select few private companies authorized by the United States Department of Agriculture Risk Management Agency (USDA RMA) to write MPCI policies. With six regional offices throughout the U.S., our teams provide tremendous expertise in the specific needs of your region’s farmers and crops.
We also offer other important crop products including crop-hail insurance and named peril coverages. So whether you’re looking to cover a customer with a family-run farm or to insure a large commercial operation, we can help you provide the right coverage for both.
Visit our Crop Insurance Division website to see a complete list of products, tools, forms and other services available.

Providing Equine Mortality, with Optional Major Medical and Surgical Coverages

Whether your client owns one pleasure horse or has a barn full of Kentucky Derby contenders, horses are an ongoing investment that deserve expert insurance coverage. With the wide variety of horse breeds and uses, it’s important to choose a carrier that understands the unique risks of every equine situation.  

Choose A Leader in Equine Mortality

Great American’s Equine Mortality Division is one of the world’s leading providers of equine mortality insurance and related coverages. We’re a part of Great American Insurance Group, with roots dating back to 1872 with the founding of lead insurer Great American Insurance Company, and we’re staffed with experts in all breeds and disciplines such as Racing, Showing, Cutting, Dressage, Hunter/Jumper, Driving, Reining, Saddleseat and Pleasure riding.  
Great American has one of the most comprehensive and unique product portfolios available for horse owners, as our coverages can also be stacked, making each policy customizable for your client’s specific situation. For clients who elect Full Mortality coverage, Great American also offers Major Medical, Surgical and various other endorsements that can be useful in protecting your customer’s investment. ​ 
For more information, contact us at equinepcc@gaic.com or call 352 351 4799.

Coverages Including Cargo, Hull, Liability, Pollution and Marine Property and Casualty​ 

The specialized expertise of the Ocean Marine Division of Great American Insurance Group, plus a national network of skilled agents and brokers, enables us to provide unparalleled service to the marine industry. Only a handful of carriers have this depth of experience; fewer still have the extensive product selection and only one — Great American — has both.
The professionals who staff the company’s Ocean Marine Division are like those who staff the company’s other (30) specialized business units:  singularly focused on a niche industry that they know inside and out. 


Our Products
Great American Insurance is one of only a handful of carriers that can provide commercial property and inland marine coverage for your clients. We can help you provide the best coverage for your client’s unique commercial property needs by customizing products such as these:
  • Property
  • Builder's risk
  • Contractor’s equipment
  • Excess property
  • Motor truck cargo
  • Electronic data processing (EDP)
  • Difference in conditions (DIC)

Above and beyond

The Public Sector Division of Great American Insurance Group understands that every risk has a unique story that defines your organization. At Great American, we specialize in structuring creative solutions that align with your individual characteristics, values and goals. Great American provides superior financial stability and pricing that is consistent with your strategies and results. Coverages are available on a reinsurance or excess insurance (non-admitted) basis.

Coverage Highlights

  • $10 Million capacity available
  • General Liability
  • Automobile Liability
  • Police Professional
  • Public Officials
  • School Board E&O
  • Incidental Medical Malpractice
  • Employment Practices Liability
  • Buy-back Abuse/Molestation
  • Employee Benefits

Risk Guidelines

  • Minimum SIR of $100,000
  • Individual risks with population of 250,000 or less
  • Qualified TPA or in-house claims staff
  • ALAE inside/inside or outside/outside
  • No workers’ compensation
  • No monoline professional coverage
  • Required information includes ground-up historical and exposure
    data (10 yrs)

Target Classes

  • Municipalities
  • Public Schools
  • Community Colleges
  • Housing Authorities
  • Special Service Districts
  • Counties

Target Groups

  • Pools
  • Trusts
  • JPAs
  • Reciprocals
  • Mutuals
  • Captives
  • Individual Risks


We offer a consistent and proven program.  Our innovative products and services are designed to reduce risks, prevent loss, and provide creative coverage solutions.​
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Insurance for Social Service
Organizations and Non-Profits

The Specialty Human Services Division of Great American Insurance Group is an established leader in the non-profit and Social Service areas. We understand the diverse insurance needs of these organizations and offer one of the most comprehensive product selections available in the marketplace. Our agents and customers value our responsiveness, knowledge, experienced underwriting, efficient claims management and broad range of safety and loss prevention services.
To learn more about the coverages and services we can offer your clients, visit the Specialty Human Services Division website.

Organizations We Serve

  • Animal Related
  • Arts and Cultural
  • Clubs
  • Community Services
  • Education and Day Care
  • Family Services and Counseling
  • Food Distribution and Thrift Stores
  • Foundations and Grant Making
  • Housing and shelters
  • Recreation and Sports
  • Religious
  • Youth Services
The members of Great American
Insurance Group are subsidiaries of
American Financial Group, Inc. (AFG).
AFG is a holding company based in
Cincinnati Ohio. It is a Fortune 1000
company whose common stock is listed
on the New York Stock Exchange and
NASDAQ.

Corporate Headquarters
Great American Insurance Group Tower
301 E Fourth Street
Cincinnati, OH  45202
800 545 4269 / 513 369 5000

Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704