Property and Casualty Insurance

From ACE Insured



ACE is one of the world’s truly global providers of commercial property and casualty insurance.

Our international network of underwriting, claims, and risk control professionals tailor insurance coverage to help businesses of all kinds reduce risk and mitigate loss. In addition, ACE offers reliable advice on a variety of protection and hazard topics, including process management, unusual hazards identification and expected loss calculations, and tailored engineering services—all backed by a strong capital base that allows us to cover major exposures. Service and Experience Our network of full-time, senior-level client executives in major markets around the world bring the ACE Group’s full capabilities to bear to meet our customers’ often complex needs in a comprehensive manner. ACE client executives work closely with customers and distribution partners to gain an understanding of clients’ risks and exposures, and provide a single point of contact to help them take full advantage of our global products and services.

Core retail and wholesale coverages include:

Agriculture

Aviation

Boiler and Machinery

Contract Liability

Construction/Wrap Ups

Crime and Fidelity

Defense Base Act

Directors and Officers/Professional Lines

Energy and Power Generation

Environmental Risks

Errors and Omissions

Events Liability

Foreign Casualty

General Liability 

Global Property

Kidnap and Ransom

Manufacturing Risks

Marine – Inland and Ocean   

Medical Risk

Mergers and Acquisitions  

Political Risk and Trade Credit

Product Liability

Product Recall

Property  

Property Catastrophe

Recreational Marine

Risk Management

Surety

Technology and Digital Risk

Umbrella/Excess Casualty

Workers Compensation (Excess)

ACE also offers special products and coverages for educational institutions, financial institutions, public entities, and the healthcare industry. 

ESIS, Inc., provides a wide range of risk management products and services around the world. ESIS takes a balanced approach that integrates advanced clinical resources and business intelligence to deliver superior results.

ESIS services include:

Workers compensation, auto and general liability claims management

Professional and product liability claims management

Global claims management programs in the Americas, Europe, and Asia

ESIS Medical Impact^SM, enhanced medical program model

Analytics in Action®, data analytic approaches

Global RiskAdvantage®, our  proprietary risk management information system

A Construction Industry practice with experts who are sharply focused on helping reduce claim frequency and construction loss costs.

Catastrophe claims management

Health, safety, and environmental consulting

Integrated disability management

Recovery services

ACE GPSSM – Meeting the needs of multinational clients 

Multinational companies today operate in a constantly changing world. They face increased property and casualty risks, directors and officers liability, business travel accidents, reputation risk, environmental risk, terrorist incidents and more. At the same time, numerous country-specific regulations—and their stepped-up enforcement—make compliance and related issues increasingly complicated. Navigating through this uncertain environment is more challenging than ever before. That's why a growing number of multinationals and their brokers are turning to ACE. 

ACE GPSSM: Better Protection Around the World ACE GPSSM is a dynamic, customizable platform tailored for multinational companies.  It brings together all the assets of ACE—our dedicated professionals, our international network, technological leadership and broad product array—and weaves those strengths into innovative insurance solutions to meet customer needs around the world. ACE GPSSM has advantages for CFOs, treasurers, risk managers, brokers and others in the decision-making process. Risk managers benefit from the contract certainty, accountability and value we offer. Brokers, too, appreciate our transparent structure and our ability to facilitate communications among parties.

ACE WorldviewSM: Bringing It All Together Developed specifically for multinational risk managers, ACE WorldviewSM is a web-based desktop portal that gives you access to our systems and expertise in one easy-to-use application. It's unique in the industry and it's exclusive to ACE. ACE WorldviewSM allows you to monitor the status of your entire global program—in real time —from an intuitive, easy-to-navigate home screen. You can see program status updates on a daily basis; get copies of local policies and certificates; and access the ACE Insurance Directory,SM  the proprietary research tool our underwriters, account managers and legal staff use every day. Additional features include program contacts, multinational standards, policy issuance and claims alerts, and more. You also may benefit from access to Global RiskAdvantage,SM  our state-of-the-art multinational loss-reporting tool.

Country-by-Country Compliance Our experienced professionals around the globe start by understanding your specific business and the issues you face. We partner with you and your broker to structure the most appropriate insurance program for your situation. In today's ever-changing regulatory climate, it's important to work with an insurer who understands local rules and customs. With our indigenous know-how, for example, we can analyze and confirm risk premium allocations The Right Team, the Right Time ACE GPSSM cuts across products and geography.  Our dedicated ACE Global Service Team works around the world to implement your global program,  managing the infrastructure, coordinating  among offices and making sure that developments in technology keep pace with those in the business world. We can provide an ACE Global Client Executive, depending on the size and scale of your ACE relationship. This ombudsman brings decades of experience and deep industry knowledge to the issues you face, and serves as your single point of contact throughout ACE. If you manage risks, people, or both at a large multinational organization, call your broker or your local ACE office to learn more about ACE GPSSM and let us demonstrate how we can help.

ACE offers excess and surplus commercial P&C lines distributed through wholesale brokers around the world. ACE Westchester distributes excess and surplus lines property, casualty, environmental, professional liability and inland marine products in North America.  ACE Global Markets is one of the foremost specialty insurers in the London market.  ACE Global Markets works closely with the London market brokers to offer a comprehensive range of specialty products to local and international clients.  ACE Global Markets products include coverage for aviation, environmental liability, financial lines, property, energy, political risk & trade credit, marine and accident & health.

This general product description is informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Coverages may not be available in all jurisdictions and may be available only through appropriately licensed brokers. Refer to the Licensing Information document for a chart of the jurisdictions in which each ACE Group subsidiary is licensed. 

© 2014 ACE

Terms of Use

Licensing Information

Privacy Statement

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

www.nationwide.com/joshlewis

www.austinhealthbrokers.com

Individual and Family Health Plans

Health Insurance plans for BXBS

Individual and Family Plans

Choosing the right individual health insurance plan to fit your needs is important to you and your family. Compare our insurance plans to find the coverage you need, and get a quick quote before you apply.

All of our plans follow the Affordable Care Act guidelines and provide the same set of essential health benefits, quality and amount of care. The differences are how much your premium costs each month, what portion of the bill you pay for things like hospital visits or prescription medications, and how much your total out-of-pocket costs are.

If you need major medical coverage before Jan. 1, 2014, contact the sales call center or an authorized agent.

Platinum Plans

To help you compare all of the platinum plans, we are providing the Summary of Benefits and Coverage (SBC) documents below. These SBCs describe key features such as the covered benefits, cost-sharing provisions, and coverage limitations and exceptions.

All platinum plans offer the same set of essential health benefits, quality and amount of care. The differences are how much your premium costs each month, what portion of the bill you pay for things like hospital visits or prescription medications, and how much your total out-of-pocket costs are.

Platinum plans have the highest premium and often the lowest out-of-pocket costs. In most cases, platinum plans cover 90% of costs, while you cover 10%.

Information in these SBCs represents an overview of coverage. It is not a complete list of what is covered or not included. Information may change. The full terms of coverage are located in the insurance policy.

Gold Plans

To help you compare all of the gold plans, we are providing the Summary of Benefits and Coverage (SBC) documents below. These SBCs describe key features such as the covered benefits, cost-sharing provisions, and coverage limitations and exceptions. All gold plans offer the same set of essential health benefits, quality and amount of care. The differences are how much your premium costs each month, what portion of the bill you pay for things like hospital visits or prescription medications, and how much your total out-of-pocket costs are. Gold Plans have a higher monthly premium and often lower out-of-pocket costs than silver plans. In most cases, gold plans cover 80% of costs, while you cover 20%. Information in these SBCs represents an overview of coverage. It is not a complete list of what is covered or excluded. Information is subject to change. The full terms of coverage are located in the insurance policy. Silver Plans To help you compare all of the silver plans, we are providing the Summary of Benefits and Coverage (SBC) documents below. These SBCs describe key features such as the covered benefits, cost-sharing provisions, and coverage limitations and exceptions. All silver plans offer the same set of essential health benefits, quality and amount of care. The differences are how much your premium costs each month, what portion of the bill you pay for things like hospital visits or prescription medications, and how much your total out-of-pocket costs are. Silver plans have a higher monthly premium and often lower out-of-pocket costs than bronze plans. In most cases, silver plans cover 70% of costs, while you cover 30%. Silver plans are the only plans that offer cost sharing discounts. These discounts help lower the out-of-pocket costs like your deductible, copayment and coinsurance. Information in these SBCs represents an overview of coverage. It is not a complete list of what is covered or excluded. Information is subject to change. The full terms of coverage are located in the insurance policy. Bronze Plans To help you compare all of the bronze plans, we are providing the Summary of Benefits and Coverage (SBC) documents below. These SBCs describe key features such as the covered benefits, cost-sharing provisions, and coverage limitations and exceptions. All bronze plans offer the same set of essential health benefits, quality and amount of care. The differences are how much your premium costs each month, what portion of the bill you pay for things like hospital visits or prescription medications, and how much your total out-of-pocket costs are. Bronze plans have the lowest monthly premium and often the highest out-of-pocket costs. In most cases, bronze plans cover 60% of costs, while you cover 40%. Information in these SBCs represents an overview of coverage. It is not a complete list of what is covered or excluded. Information is subject to change. The full terms of coverage are located in the insurance policy. Catastrophic Plans To help you compare different plans, we are providing the Summary of Benefits and Coverage (SBC) documents below. These SBCs describe key features such as the covered benefits, cost-sharing provisions, and coverage limitations and exceptions. Catastrophic health care plans are available for people under 30 and to some low-income people. A catastrophic health insurance plan has a lower premium than other health plans, but has a high deductible. It is meant to serve as a "safety net" to cover large medical costs in case of a serious illness or injury. Costs vary by deductible, coinsurance, copayment, out-of-pocket expenses. Some plans qualify for a cost-sharing discount which can lower your monthly costs. Cost sharing discounts vary by plan, income level and Native American status. See details in the Summary of Benefits and Coverage. Short-Term Plans Short-term health insurance can give you temporary coverage for 1-11 months. It covers many of the most costly health care services and keeps you and your family protected. Dental Plans If you enroll in a Blue Cross and Blue Shield health plan, you may be eligible to enroll in a dental plan. For more information, call us at 1-888-697-0683. HOME | IMPORTANT INFORMATION | SITE MAP | CAREERS | CONTACT US A Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association. © CopyrightHealth Care Service Corporation. All Rights Reserved. Lewis Insurance 2525 S. Lamar Ste 11 Austin, TX 78704 www.nationwide.com/joshlewis www.austinhealthbrokers.com

Life Events & Stages

Extremely helpful tips when it comes to Insurance from Liberty Mutual

Life Events and Stages

Preparing For The Expected... And The Unexpected

• No matter where you are in life, one thing is certain: If someone depends on you financially, you probably need life insurance.  Why?  Because life insurance provides critical financial support in the case of your premature death - so loved ones won't be left wondering how to pay the bills.
  
  Life insurance can also play a key role in sustaining a small business, paying for college and supplementing your retirement.  It can also help you transfer your wealth to the next generation.
  
  Every life has its own story, but generally speaking, here are some ways the right coverage can meet your needs throughout life's journey.
  
  

  • Getting Married
  • Buying A Home
  • Managing A Growing Family
  • Becoming A Stay At Home Parent
  • Running Your Own Business
  • The Single Life
  • Life After The Kids Have Moved Out
  • Planning For Retirement
  • Supporting Aging Parents
  • Estate And Legacy Planning

  
  

  Life insurance and annuities issued by:
  Liberty Life Assurance Company of Boston, a Liberty Mutual company
  Home office: Boston, Mass. Service center: Dover, N.H

• Getting Married

• 

Congratulations! This is an exciting time when you and your spouse embark on new adventures together such as buying a home, planning a family or maybe even changing careers. With so much happening at once, sometimes it's hard to know in which direction to turn.

As you make plans for your future together, ask yourselves this: What would happen if suddenly one of you weren't there? Would that cause financial hardship for the other person? It's a scary thought, and something that many of us don't want to think about.

There is a simple solution, though - talk to an agent about life insurance. An insurance professional can help you determine what your needs are and suggest the right products for you. If you need added incentive, consider this: Life insurance premiums can be less expensive when people buy it at a younger age.

Buying A Home

A home to call your own...it's a goal for many, and often times a home is the largest single purchase a person will make. A mortgage is a big financial commitment, and a large portion of your paycheck may go toward paying off that obligation. While this may not be of concern to you now, have you considered what would happen to your home if your income disappeared? Would your family be able to stay there?

Just as you insure valuables like your home and car, you may want to consider insuring your earning power by purchasing life insurance. In the event of your death, life insurance will provide a tax-free death benefit for your beneficiaries, allowing them to replace your income that may have helped pay the mortgage.

Family makes a house a home. Ensure that your loved ones will enjoy theirs for years to come.

Managing A Growing Family

Now that you have children, you have a new perspective on life. Suddenly your kids are the center of your world, and you would do whatever it takes to protect them. That protection could be anything from making sure your little ones get off to school okay, to lending a healing touch when one of them doesn't feel well.

Just as important as the physical protection, though, is the financial protection. Once you have dependents who rely on you financially, it's important to consider buying life insurance. In the event of your death, life insurance can give your loved ones the funds they need to maintain their lifestyle. It can be used to pay off the mortgage on your family's home, pay monthly bills, provide a college education, or just be there as a safety net.

According to research, 22 percent of families with dependent children admit they will have immediate trouble meeting everyday living expenses, and another 26 percent can cover expenses for only a few months if a primary wage earner dies.1

Take steps today to meet the protection needs of your family. Life insurance is one thing you can take care of now to make sure your family is taken care of tomorrow.

Becoming A Stay At Home Parent

As a stay at home parent you may not have an ongoing income, but the services you provide your family are priceless. If you put a price tag on your responsibilities, daily childcare and household duties would be very expensive if suddenly your family had to pay someone to provide these services. For this reason, life insurance is as crucial for you as it is for someone bringing home a weekly paycheck. Not convinced? Consider this: The results of a 2010 survey showed that the time mothers spend on the 10 most popular "mom job functions" equates to an annual cash compensation of $117,856 for a stay-at-home mom.1

Considering life insurance is an important step in ensuring your loved ones could maintain their lifestyle if something were to happen to you.

Running Your Own Business

You're proud of what you've built, and you want to make sure you've put plans in place to protect it.  What would happen to your business if you, your business partner or a key employee died tomorrow?

Life insurance can step in to fund a buy-sell agreement that would make sure remaining owners can buy out your company interest from your heirs.  It can also cover a key employee, providing the business with the financial ability to replace him or her - or make other plans - in the event of the employee's death.

The Single Life

If you're single you may not think you need life insurance.  But other people may still depend on you, such as aging parents or other family members.  You may want to be sure there are funds available to pay for your final expenses.  You might also have significant debt you don't want to pass on in the event of your premature death.  Life insurance can also allow you to name your favorite charity or another organization as your beneficiary, providing a way for you to leave a legacy in a way that personally matters to you.

Life After The Kids Have Moved Out

If your kids are grown and your mortgage is paid off, you may think your need for life insurance has passed.  But think about it:  If you died today, your partner could outlive you by 10, 20 or 30 years. Here's something to consider: According to U.S. Census Bureau projections, the average life expectancy in 2015 will be 81.4 years for a woman and 76.4 years for a man.1 The life expectancy in 1958 was 68 years for both genders.

Is your current financial plan adequate?  Or would the person you love be left wondering how to manage financially after you're gone?  Certain life insurance policies can also be tailored so that you have cash values to access if you want to supplement your retirement.

Planning For Retirement

Part of planning for retirement is ensuring that you will be able to lead the life you choose after your regular paychecks stop. And that means making sure you have a nest egg that is safe and secure, and there when you need it.

As you construct your retirement plans, you may want to consider adding an annuity to your blueprint. Annuities are meant to protect you from outliving your income. By purchasing an annuity, you guarantee that you will have a stream of income from that annuity for your retirement years. Offering safety, security and guarantees, an annuity can serve as a reliable supplement to your retirement income without the risk of market fluctuations.

Supporting Aging Parents

Your kids may be out of the nest, but now your parents depend on you for weekly or daily assistance. You're not alone. According to research, 34 million adults (16 percent of the population) provide care to adults who are 50 and over.1

In addition to providing care to your parents, you may eventually have them living in your home when they can no longer live on their own. Most likely this will be a big transition for everyone involved that will require communication and planning. As part of that planning process, you may want to discuss life insurance. It can provide funds your parents may need for quality health care or even a place to live should something happen to you.

Estate And Legacy Planning

You've worked hard over your lifetime to achieve financial security, and now your focus is leaving the most you can to the people you care about. Whether you want to leave money to a grandchild for a college education or give a gift to a charity, you want to do the most you can with the money you plan to pass along.

Certain types of insurance, like single payment whole life, are ideal for wealth transfer because your single payment increases in value as soon as you purchase the policy, resulting in a death benefit that's larger than the original payment.  If you're in your 50s, for example, it could be more than double. And, because it's life insurance, the death benefit is transferred income tax free to your named beneficiary.

© 2014 Liberty Life Assurance Company of Boston | an Equal Opportunity Employer
Home office: Boston, Mass. Service center: Dover, N.H.

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

www.nationwide.com/joshlewis
www.austinhealthbrokers.com

Motorcycle Insurnace

Motorcycle Insurace Information from SafeCo

Motorcycle Insurance

We’ve Got You Covered. Ride On.

Motorcycles come in all shapes and sizes. Name your ride and, chances are, Safeco motorcycle insurance covers it. Cruisers, choppers, sport cycles, touring bikes, dirt bikes, scooters and mopeds are only some of the motorcycle types we insure. We’ll even cover your personal golf cart, all-terrain vehicle or snowmobile. We get what riding is all about, because many of us are bikers too. Talk to your local Safeco agent to get the best combination of motorcycle insurance coverage, value and price.

Motorcycle Insurance Features and Coverage Options

Be Safe. Get the Coverage You Need to Enjoy the Ride.

Your motorcycle is one of your most prized possessions. You and your ride deserve special attention and protection. Because many of us are riders too, we understand the importance of bike safety. Safeco protects you and your motorcycle in ways that many other insurance companies don’t.

Your local Safeco agent can offer personal advice about product availability in your area and how much coverage is right for you.

What Makes Us Different

Helmet, Jacket, Boots and Gloves

We’ve got you covered. Safeco provides up to $1,000 per person, per incident, to replace safety apparel lost or damaged in a collision at no extra charge and no deductible. This coverage is also included with liability only polices—something no other insurance company offers.

New Harley® Replacement

You’ve been saving up for that new Road King® for years. Don’t let all your hard work go to waste. Two-year replacement cost coverage for your new Harley-Davidson® motorcycle is included as stock coverage with every Safeco motorcycle policy. You’re covered.

Popular Coverage Options

Customize Your Motorcycle Insurance

Safeco gives you the flexibility to choose the coverage that’s right for you to get out there and enjoy the open road. Choose motorcycle insurance coverage that’s right for you with the help of your local Safeco agent.

Custom Parts and Equipment

Optional custom parts coverage is available up to $20,000 per bike. Your first $3,000 in coverage is provided automatically at no extra charge when you choose this option. That’s some serious custom work.

Roadside Assistance

Trip interruption benefits are automatically included as part of motorcycle Roadside Assistance, which also covers towing to the nearest qualified repair shop and other basic emergency services. We’ll help get you back on the road quickly if you break down.

Coverage Required in Most States

Mandatory motorcycle insurance requirements vary by state. Safeco motorcycle insurance policies are designed not only to satisfy all mandatory requirements but offer even more great coverage options. Talk to yourlocal Safeco agent about the levels and type of motorcycle coverage required where you live.

Bodily Injury Liability

Helps pay for bodily injury expenses, like hospital bills and medical care, that you may be held responsible to pay if you cause an accident that injures someone else, other than a guest passenger.

Guest Passenger Liability

Similar to bodily injury liability, but specifically covers a guest passenger riding with you on your motorcycle.

Property Damage Liability

Helps pay to fix someone else’s vehicle you’re held responsible for damaging in an accident.

Coverage Required in Some States

Uninsured/Underinsured Motorist Coverage

Helps pay for expenses associated with injury or death from an accident caused by an uninsured, underinsured, or hit-and-run driver. It also covers you if you are hit as a pedestrian.

Even More Coverage Options

Comprehensive

Helps pay for repairs or to replace your ride if it is stolen, vandalized or damaged in some way other than in a collision. Includes loss or damage from fire, flood, falling objects, wind and collision with an animal.

Collision

Helps pay for repairs to your motorcycle for damage caused by an accident.

Medical Payments

Helps pay hospital bills and medical care expenses for you or a guest passenger injured in an accident, no matter who is at fault.

Claims Center

Accidents Happen

It’s easy to file and track an insurance claim with Safeco Insurance. We’re here for you when the unexpected happens. If you’ve been involved in a car accident or your home has been damaged in a storm, we’ve got the answers you need. We’ll help you through the claims process with friendly, step- by-step guidance.

Motorcycle Discounts and Savings

Save Money at Every Turn

Safeco offers safe riders significant savings through a variety of discounts and benefits. Take care of yourself and your bike. Talk with your local Safeco agent about how you can save up to 40 percent on your motorcycle insurance with potential discounts.

Be a Safe Rider. Get a Discount.

Take a Motorcycle Safety Course

Successfully complete a Motorcycle Safety Foundation or other approved motorcycle safety course and we’ll give you a discount that lasts for three years.

Join a Riding Club or Group

Be an active member in one of 24 approved motorcycle riding clubs and association groups and get a discount.

Ride More

Pay lower rates for your years of riding experience. The longer you’ve been riding, the lower your motorcycle insurance bill. Discounts are available for one to two years, three years, four years and more than four years of riding experience. Keep riding. 

Garage Your Bike

Keep your motorcycle locked in a secured structure overnight. If you care about your ride enough to give it a safe place to stay, we’ll give you a discount.

Own Your Own Home

Save up to 20% when you own and primarily reside in a single-family home, townhouse, condominium or mobile home.

More Ways to Save

Talk to your local Safeco agent about more ways to save on your motorcycle insurance. It’s possible to lower your rate if you:

• Insure more than one bike
• Also insure your car, home or boat with Safeco
• Maintain continuous coverage
• Are a homeowner
• Pay your bill in full
• Make a claim-free renewal
• Have a theft recovery device or anti-lock brakes
• Have multiple years of riding experience

How to Lower Your Motorcycle Insurance Costs

Spending less money is much easier than perfecting your tight turns at high speeds on a gravel road.

Increase Your Deductible

You can lower your motorcycle insurance premium by shifting part of the loss payment to yourself. For example, if you had a $500 deductible, you would need to pay the first $500 of a covered loss. A higher deductible will generally lower your premium, but increase the amount you must pay yourself if a loss occurs.

Pay Your Bill in Full

Pay your bill off in full when you start or renew a policy instead of paying in monthly installments.

Talk to your local Safeco agent about other discounts and ways to save that could help reduce how much you pay for your motorcycle insurance.

Get More Out of Life with Safeco Motorcycle Insurance.

Do More.®

Find a New Road. Improve Your Skills With a Safety Course.

Enjoy life on the open road while Safeco worries about the unexpected. We’ll do our part. But you can help out by being aware of some fun and preventative ways to protect yourself and your bike. Allow yourself time to get more out of life. Get out on the open road and ride more. Ride to a motorcycle show or biker rally. Meet new friends at a riding club. Worry less. We’ve got you covered.

• Motorcycle Safety Tips
  Being a safe rider isn’t just about getting discounts. It’s just smart.
   
• Motorcycle Riding Clubs and Association Groups
  Ride with a group of supportive friends who share a common interest, gain experience, be safe, and have fun at the same time.
   
• Motorcycle Events, Shows and Biker Rallies
  Meet some new friends, trade stories about rides, find some new gear, ride for charity or a benefit, check out hot custom rides and accessories at a bike show.

Motorcycle Insurance FAQ

Got questions about motorcycle insurance? We’ve got answers.

What is motorcycle insurance?

A basic motorcycle insurance policy protects you and your ride by helping to pay for repairs and expenses related to damage and injury from an accident that may or may not be caused by you. Optional coverage can be added for roadside assistance, trip interruption and custom parts and equipment.

What types of motorcycles does Safeco insure?

Cruisers; tour and tour sport; sport and super sport; dual and off-road; four-wheel utility and sport all-terrain vehicles; scooters and mopeds; sport and touring snowmobiles; trikes; homemade and kit bikes; personal golf carts and Segway® Personal Transporters (PT). Talk to your local Safeco agent about specifics in each category.

I race my motorcycle. Is Safeco motorcycle insurance right for me?

No. Safeco offers motorcycle insurance coverage for motorcycles that are not used for racing or speed contests, and for bikes that do not have nitrous oxide kits.

Can I get a discount for taking a motorcycle safety class?

Yes you can. Successfully complete a Motorcycle Safety Foundation or other approved motorcycle safety course to receive a discount for three years.

Will I save money if I belong to a motorcycle association?

Yes. Talk with your local Safeco agent about how you can save money with our wide range of discounts and savings.

Why Ride With Us?

Great Reasons to Choose Safeco Motorcycle Insurance

Coverage, Value and Price

Safeco provides the best combination of coverage, value and price for you and your ride.

We Make Insurance Easy

We’ll work hard to get you out on the road as quickly as possible. Get a motorcycle insurance quote in about five minutes. Get a policy that’s right for you in only a few minutes more.

Personal Advice

Your local Safeco agent can offer personal advice on the amount of motorcycle insurance you need and which coverage options are right for you.

24/7 Claims Service

A customer service representative is available to assist you around the clock, every day of the week.

Discounts and Savings

Safeco offers numerous discounts and opportunities for you to save on your motorcycle insurance bill.

Flexible Coverage Options

Safeco gives you the option to choose coverage that’s right for you. Get all the coverage you need, and none of the coverage you don’t.

Simple Billing Statements

Our billing statements are easy to read and understand.

Flexible Payment Options

Pay your bill in full or in monthly installments.

Financial Strength

Safeco Insurance is backed by the financial strength of Liberty Mutual Insurance. We’ll be there if you need us.

© 2014 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria. 36 USC 220506

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

www.nationwide.com/joshlewis
www.austinhealthbrokers.com

Information about Condo Insurance from United Fire Group

You’ve invested a lot of time and money making your condo a place to call home. United Fire Group has an insurance program to meet your needs, whether you want just the basic coverage or you want to purchase additional insurance to cover expenses you may incur as being a member of a condominium association. We have the coverage that fits your lifestyle.

Condo Owners Insurance

Condo Owners Insurance

Basic Coverage

United Fire Group’s basic condominium owners insurance protects you against loss from:

• Fire or lightning
• Windstorm or hail
• Explosion
• Riot or civil commotion
• Smoke
• Weight of ice, snow and sleet
• Glass breakage
• Burglary damage
• Vandalism and malicious mischief
• Falling objects
• Impact by aircraft
• Accidental discharge, or overflow of water or steam
• Cracking, burning, bulging of heating system or air conditioning or hot water heaters
• Freezing of plumbing systems
• Power surge
• Volcanic eruption
• Vehicle damage by others to the building and/or personal property

Our basic condo owner coverage also provides protection for:

• Property damage and injury claims that you are legally obligated to pay
• Medical expenses of others injured on your property
• Temporary living expenses, if necessary, in the event of a covered loss

Personalized Coverage

Sometimes you need more coverage than your neighbor. That’s why United Fire gives you numerous options to enhance your condo coverage.

• Loss Assessment: Being a part of a condominium association carries the risk of incurring additional expenses when the association charges all unit owners for certain kinds of loss. Purchasing Loss Assessment coverage from United Fire helps pay for your share of these losses.
• Additions and Alterations: You may have customized your condo with permanent improvements, such as floor and wall coverings, cabinets, kitchen appliances and light fixtures. Generally, these additions are not covered in your condominium association’s policy. That’s where United Fire Group can help. To help cover these permanent improvements in the event of a loss, you can add our Additions and Alterations coverage to your condo policy for an additional cost.
• Personal Replacement Cost Coverage: By choosing to add United Fire’s Personal Replacement Cost Coverage to your policy, your covered personal property items will be replaced for what it costs to purchase them new at the time of the claim.
• Value Plus Endorsement: Though we can never replace the sentimental value of your most precious possessions, we can help make sure you don’t experience a complete loss. Our Value Plus Endorsement provides increased coverage limits for your personal property, such as jewelry, furs and silverware. There’s also extra coverage to help pay for losses associated with credit cards and fees charged by the fire department when responding to a fire call. In addition, Value Plus provides coverage not typically included in a condo policy, such as water back up and sump pump overflow, power interruption, and coverage for loss of food in a freezer or refrigerator caused by a power outage.
• Personal Injury Coverage: Responsibility for damages awarded to others due to injuries, such as false arrest, libel, slander and invasion of privacy, may be paid for by purchasing United Fire’s Personal Injury Coverage.
• Scheduled Personal Property Coverage: If the cost of your valuables, such as jewelry, silverware and fine art, exceeds the special limits of your condo owners coverage, you may choose to purchase additional coverage. Once purchased, this personalized coverage option protects almost anything and no deductible applies.
• Earthquake Coverage: Most basic policies do not cover damage caused by earthquakes. By purchasing United Fire Group’s Earthquake Coverage you will be provided with the additional coverage you may need if an earthquake shakes your home.

Discounts

To save you money on our condo owners insurance, we offer these discounts:

• Multiple Policies: You can save money when you combine your insurance policies, such as your home and auto policies.
• Loss Free: If you do not incur a loss with United Fire Group over an extended period of time, you may receive a discount.
• Loyalty: We value long-term relationships with our customers, which is why we reward our customers with a loyalty discount.
• Central Burglar and/or Fire Alarm Systems: These systems cannot only protect you and your family; they can also save you money on your condo owners policy.
• Increased Deductible: The higher deductible you have on your condo owners policy, the more money you can save in premiums.

Contact one of our independent insurance agents today to customize the coverage you need for your condo

Content on this website represents only a brief description of coverages. Coverages vary by state. Some products are not available in every state. Please check with your agent and read the policy for exact details on coverages and exclusions.

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

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