Wednesday, July 17, 2013

Commercial Auto Insurance

Commercial Auto Insurance

Hundreds of thousands of businesses trust Progressive for their commercial auto insurance needs. We’re one of the largest commercial auto insurance providers in the nation, and we have an A+ rating from A.M. Best.

Visit ProgressiveCommercial.com for detailed information on all our commercial auto insurance products.
 
Business Auto Insurance
Insure your work cars and SUVs with the same features our Personal insurance customers enjoy.
 
Pickup Truck Insurance
Insure your work trucks and trailers with customized coverages such as Seasonal Truck insurance.
 
Van Insurance
Insure your commercial van with coverages customized to your exact business needs.
 
Truck Insurance
Insure your truck and receive 24/7 customer support that covers claims, filings and certificate services.
 
Tow Truck Insurance
Get specialized coverages including On-Hook Towing and Garage Keepers Legal Liability insurance.
 
Dump Truck Insurance
Get Dump Truck insurance with coverages such as Physical Damage and Motor Carrier insurance.
 
View common commercial vehicles or commercial trailers we insure.

Call 1-888-240-9837 to get a free commercial auto insurance quote today. We offer special benefits designed specifically for our commercial auto and truck insurance customers including discounts, competitive rates, exceptional claims service and more.

Commercial Auto Discounts and Coverages

Answer a few easy questions and learn about common coverages and discounts that are available for your vehicles.

View Discounts for Your Vehicles

Personal or Commercial Auto Insurance

Use our simple online tool to find out whether you need personal or commercial auto insurance for your vehicles.

Get a Personal or Commercial Insurance Recommendation

Business Auto Insurance

As a business owner, you’re passionate about what you do. That’s why we offer business auto insurance solutions specifically designed for companies just like yours.

Auto Insurance For Businesses

Progressive defines small businesses as privately owned corporations, partnerships and sole proprietorships with anywhere from one to 100 employees that typically operate everyday vehicles such as pickup trucks, vans, cars and SUVs.

If you work in the towing services or trucking industries, please visit the tow truck insurance or truck insurance sections to learn about unique products and features Progressive offers to meet your small business insurance needs.

Choosing Insurance For A Business

Progressive divides small businesses into more industry-specific categories, allowing us to provide you with targeted auto insurance for businesses. To learn more about how we can help protect your business, view businesses we insure.

Business Auto Insurance Resources

Progressive provides the following resources if you have questions about small business auto insurance:

Special Needs Business Auto Insurance

Every business has unique needs, so Progressive provides special business auto insurance solutions and helpful advice for the following:
  • Seasonal business vehicle insurance – If your small business only operates during specific months of the year, we offer seasonal small business auto insurance products and services just for you.
  • New business vehicle insurance – If you are about to start a business, or your business is still in its first year or two of operation, you can get advice and learn about auto insurance for a business like your new venture.

See What You Could Save

Get a quote online or quote by phone at 1-888-806-9598 and learn more about our Business Auto insurance, discounts and flexible payment plans.

Pickup Truck Insurance

Whether you have a half ton or over one ton pickup truck – you expect your truck to help you get your work done. You should also expect to get the best coverage and service options with your pickup truck insurance. As the #1 Truck Insurer in America, Progressive has pickup truck insurance and trailer insurance options designed to meet your business’ needs.

Pickup Truck Insurance Coverages

No matter what you’re hauling, you want to make sure you have the right insurance coverages for your pickup truck. Whether you’re a contactor, a landscaper or any other skilled tradesperson, you need to make sure you have enough truck insurance to protect you no matter what kind of situation you’re in. Common types of pickup truck insurance coverages include:
  • Liability Insurance – Includes Bodily Injury and Property Damage coverage and can cover injuries or damage to other people or property if you’re at fault for an accident.
  • Physical Damage Coverage – Includes Comprehensive and Collision coverage and can protect you if your pickup truck collides with another object or rolls or is stolen.
  • Uninsured or Underinsured Motorist Insurance – Can provide coverage when you’re involved in an accident with an uninsured or underinsured motorist. Uninsured Motorist insurance options vary by state, but our licensed agents can help you determine what options are available and what choices make sense for your business.
We also offer coverage for different types of trailers, including the following:
  • Utility Trailer
  • Horse Trailer
  • Gooseneck or Medium Duty Trailer

Pickup Truck Insurance Quotes Made Easy

Get a quote online or call us today at 1-888-806-9598 to see how much you could save on commercial pickup truck insurance today. Let us guide you each step of the way to a policy customized to meet your specific pickup truck insurance needs. We offer real benefits to our commercial pickup truck insurance customers including:
  • Customized Commercial Auto Insurance Discounts – We offer discounts designed especially for our commercial auto policyholders. You could be eligible for a discount just by having a commercial driver’s license or based on the number of years you’ve been in business. We also offer additional savings for customers who pay their pickup truck insurance bills electronically or pay their policy in full.
  • Superior Commercial Auto Insurance Claims – We offer best-in-class commercial auto insurance claims service with highly trained insurance claims specialists. Our claims specialists will work with you to help you get your pickup truck or trailer back on the road fast.

Commercial Van Insurance

Vans are a popular vehicle for many different business types. Whether you drive a delivery van or own a small fleet of cargo vans, it’s important to make sure that your business and vehicles are protected with commercial van insurance.

Who Needs Commercial Van Insurance?

Whether you own your own business van and make deliveries, or operate a company van, Progressive’s commercial van insurance can provide you with the insurance coverage you need. Examples of businesses that require commercial van insurance include:
  • Couriers
  • Expeditors
  • Florists
  • Caterers that make deliveries
  • Electricians, plumbers or tradesmen making service calls
  • And more
If you own a company, you or your employees will be driving your cargo vans or other business vans, you’ll want to make sure you have Liability insurance, which pays for injuries or damage to other people or property if you’re at fault for an accident.
You’ll also want to consider getting physical damage coverage, which provides protection for your business van if it is damaged in an accident. Make sure you have enough coverage to ensure that you avoid losing business or profit if something happens to one of your commercial vans. For a complete list of the insurance coverage available to you, visit the small business auto insurance section.
If you work as an independent contractor and make deliveries using your commercial van, your employer may provide insurance coverage’s that protect the products or delivered goods you transport in your cargo or delivery van. They may also provide liability insurance to cover you while you’re working. Be sure to ask your employer about what coverage they provide, because you might only be protected while you’re delivering for them. In that case, you’ll need your own commercial van insurance policy for when you drive your vehicle for personal use.
Get a quote online or call us at 1-888-806-9598 to speak with a licensed insurance representative about your commercial van insurance needs today.

Business Van Insurance and More

Progressive provides coverage for a variety of commercial vans, including:
  • Cargo vans
  • Delivery vans
  • Company vans
  • Mini vans
  • Passenger vans
  • Wheelchair vans
  • Step vans
  • Sprinter trucks

Commercial Truck Insurance

With more than 42 years of experience, you can trust Progressive to meet your commercial truck insurance needs. We are the #1 truck insurer in America, the nation’s third-largest commercial vehicle insurance company, and we have a A+ rating from A.M. Best. We offer customized insurance policies, flexible payment options, 24/7 claims service and discounts for qualified drivers in all states.

Commercial Trucks We Insure

Whether you’re looking for owner operator insurance, motor carrier insurance, or private carrier insurance, Progressive provides commercial truck insurance for trucks and trailers of all sizes including:
  • Box trucks
  • Semi trucks
  • Flatbed trucks
  • Front loaders
  • Garbage trucks
  • Pickup trucks
  • Tank trucks
  • Tractors
  • Dump trucks
  • Auto hauler trailers
  • Flatbed trailers
  • And many more…

Truck Insurance Filings

Progressive offers complete commercial truck insurance state and federal filings assistance. An insurance filing is a guarantee to the government that you have sufficient truck insurance protection for your vehicle. Once authority has been filed, we can take care of the rest.
Learn more about commercial truck insurance filings.

Truck Insurance Discounts

To show appreciation for our commercial truck insurance customers, Progressive offers customized discounts designed specifically for your policy. Qualifying for just one commercial truck insurance discount could save you up to 5 percent on your insurance quote.
Learn more about commercial truck insurance discounts.

Commercial Truck Insurance Claims

Call us day or night at 1-800-274-4499 to report a claim or to get additional information on a truck insurance claim that you’ve already filed. Our commercial truck insurance claims professionals will start working to get you back on the road.
Learn more about commercial truck insurance claims.

Commercial Truck Insurance Quotes

Get a quote online or call us at 1-888-806-9598 to speak with one of our licensed insurance representatives. Get the help you need and learn more about the benefits and features our customers enjoy including:
  • Flexible Payment Options – Whether you pay online, by phone, or by mail, we offer multiple payment options. We accept checks, debit cards, credit cards, and more. You can choose to pay monthly with a low downpayment or pay your policy in full.
  • Customized Discounts – Depending on your business type, you may qualify for discounts for having a CDL, being an experienced business owner, or for having a General Liability or Business Owner’s Policy with another insurance company.
  • Superior Claims Service – Our claims service is designed to help you get back on the road fast. You can report a truck insurance claim anytime. Our staff of in-house claims representatives will give you personalized service from the beginning to the end of your truck insurance claim.

Tow Truck Insurance

A tow truck business is any business that earns income by towing or providing roadside repair to disabled vehicles, operating a repair facility or performing some repossession work. If there’s a tow truck in your garage, you just may have a tow truck business. To protect your business investment, you will need the right tow truck insurance.
Examples of businesses that may need commercial tow truck insurance typically include:
  • Roadside service providers
  • Auto club contractors
  • Rotational towing
  • Auto body shops
  • Auto mechanical repair
  • Full service stations
  • Auto salvage and auction haulers
At Progressive, we think of tow trucks as the white knights of the road, rescuing stranded vehicles and their owners. With so much riding on your tow truck, towing insurance products and features designed specifically for your needs are vital.

Insurance For Tow Truck Companies — Get The Info You Need Now

Below is information that addresses specific questions or issues you may have about insurance for your tow truck company:

See What You Could Save

Get a quote online or quote by phone at 1-888-806-9598 and learn more about our Business Auto insurance, discounts and flexible payment plans.

Towing Insurance: Tow Trucks Used For Repossession

Progressive does not currently offer insurance for commercial tow truck businesses that earn more than 24 percent of their revenue from repossession work.

Dump Truck Insurance

You keep an eye on the weather. You check the overhead clearance. You make sure your dump truck is as level as possible before dumping a load. Your truck is your business — and you need to keep it well maintained. For aggregate haulers with dump trucks, sand and gravel haulers insurance is yet another worry when you’ve already got enough on your mind.
At Progressive, we work hard to provide the best insurance for sand and gravel haulers because it’s not just about protecting you or your dump truck – it’s about protecting your business and livelihood, and it’s about peace of mind.

Basic Dump Truck Insurance

If you’re an aggregate hauler who is leased to a motor carrier, then your motor carrier may provide Primary Liability Insurance coverage for your dump truck while you’re on the job. Likely, you need to find your own Physical Damage Insurance (covering damage to your vehicle) Check out the independent owner operator trucking section to learn about Physical Damage insurance for your dump truck as well as insurance to protect you when you’re driving off the clock.
If you’re a motor carrier operating under your own authority, then you need full coverage insurance. Check out the motor carrier insurance section to learn about the full range of dump truck insurance coverage that we offer to protect you, your business, and your truck.

Motor Carrier Filings for Dump Truck Operators

If you’re a motor carrier, then you operate under your own authority. Motor carriers usually need some type of financial responsibility filing along with commercial truck insurance. Progressive can help you out. When you choose Progressive’s sand and gravel haulers insurance for dump trucks, we’ll even file most federal and state filings for you.

Insurance Discounts

Discover all the money saving discounts that apply to you.
Vehicle Insurance Discounts

Commercial or Personal

Quickly learn which kind of policy is right for you.
Commercial vs Personal

Vehicle Insurance

Business Insurance

Insurance Coverages

Resources

Copyright 1995-2013 United Financial Casualty Company. All rights reserved. *No. 1 truck based on 2011 SNL Financial data.

Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704
www.nationwide.com/lewisinsurance
www.austinhealthbrokers.com
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Annuities

Annuities from Liberty Life

Annuities from Liberty Life

Make The Most Of Your Retirement

What is a Fixed Deferred Annuity?

Not sure what a fixed deferred annuity is or how it can help you save for retirement? Here’s a good place to start.

Related Links

What is a Fixed Deferred Annuity?

Protection for your retirement savings

  • A fixed deferred annuity is designed to help you accumulate funds for your retirement in a safe and secure way.
    You purchase a fixed deferred annuity with either a single payment or a series of payments. Your money earns interest at a fixed rate that will never drop below a minimum rate guaranteed by the issuing company. That makes a fixed deferred annuity a safe choice for accumulating funds for retirement.
    Meanwhile, your money grows tax deferred, which means you don’t pay taxes on your earnings until you withdraw money from your annuity. The taxes you would normally pay on interest earnings stay in your annuity and compound to help the value of your account grow faster.
    Many annuities provide access to your money through penalty-free withdrawals. And, when you choose, you can turn the value of your annuity into a stream of income that will last as long as you live.
    If you’re looking for a way to protect your retirement savings and want to avoid investments tied to the stock market, a fixed deferred annuity may be the right choice for you.
    Learn more to help you decide if a fixed deferred annuity fits into your retirement plans.
    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.
Related Links

Annuities Made Easy

Key benefits of fixed deferred annuities

  • 1. Safety
    Unlike other types of annuities, the money in a fixed deferred annuity grows at a guaranteed minimum interest rate. That means your account value will never go down unless you choose to make withdrawals.
    2. The opportunity to generate a stream of income for life
    Fixed deferred annuities give you the choice to receive guaranteed payments for the rest of your life. This predictable income stream can help you plan for the goals you want to achieve during retirement.
    3. Tax-deferred growth
    The money in your annuity accumulates on a tax-deferred basis. That means you do not pay taxes on your earnings until you withdraw the money. Because of tax deferral, your money may grow faster in an annuity than it might in a similar, taxable investment.
    4. A guaranteed death benefit
    In the event of your death, your annuity’s account value will be paid directly to your beneficiary.
    5. Access to your money
    With most fixed annuities, you can access a portion of your money each year after the first year without any withdrawal charges. And after a certain length of time most fixed annuities will allow you to access your money whenever you choose or to receive automatic withdrawals without paying withdrawal charges. Finally, when you’re ready, you can turn the value of your annuity into a guaranteed stream of income that will last as long as you live.1
    6. Security
    Buying an annuity from a reliable company with a strong financial history gives you the confidence to know your money will be there when you need it.
    7. Simplicity and transparency
    With guaranteed rates and easy-to-understand payment options, fixed deferred annuities are one of the most straightforward retirement savings options available.
    8. Timed payments to minimize taxes
    To minimize taxes, you can time your withdrawals to begin in later years, when your taxable income may be less.
    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.
    1 Withdrawals taken before age 59½ may be subject to a 10% federal tax penalty as well as tax on any gain in the contract.
Related Links

Answers to Your Questions 

  • Contact a Local Agent
    Have questions about fixed deferred annuities? You’re not alone. Below are answers to some common questions.
  • Safety

  • What makes fixed deferred annuities safe?

    The money in a fixed deferred annuity grows at a guaranteed minimum interest rate. In contrast, the value of a variable annuity may be based on stock market performance. In a variable annuity, your money is not guaranteed to grow.
     

  • What interest rate will I earn?

    When you buy your annuity, you’ll receive the credited interest rate your company offers on the purchase date. After an initial guarantee period, the rate on your policy renews each year. Your rate will never fall below the minimum interest rate stated in your annuity contract.
     

  • How do I know I’m buying an annuity from a company I can trust?

    As with any big purchase, it’s helpful to research the company to ensure it has a solid, long-standing financial history with a conservative investment strategy. Insurance companies use their assets to guarantee your principal will always grow at a guaranteed minimum interest rate. Look for financial strength ratings on company websites to ensure you’re dealing with a reputable provider.
     
  • Tax-deferred growth

  • What are the tax advantages of a fixed deferred annuity?

    The money in your annuity accumulates on a tax-deferred basis. That means you do not pay taxes on your earnings until you withdraw the money. Because of tax deferral, your money may grow faster in an annuity than it might in a similar, taxable investment.
     

  • How is a fixed deferred annuity different from a CD I buy at my local bank?

    If you did not purchase your CD as part of your Individual Retirement Account (IRA), your earnings are taxable the year you earn them, even if you don’t take the money out of the CD. With fixed deferred annuities, your interest grows in your account and is not taxed until withdrawals begin – possibly giving you faster growth and control over when you pay the taxes.
    In addition, many annuities give you the option to withdraw a portion of your money annually without charges after the first year. If you need access to the money in your CD before it matures, you will likely have to pay a penalty.
     
  • Access to my money

  • Is there a way that I can access my money without penalties?

    On most fixed annuities, you can access a portion of your money each year after the first year without any charges.1 You will have to pay taxes on the money you withdraw. Some annuities may give you access to all of your money in the event of serious health conditions.
    After a certain length of time called the ‘surrender period,’ most fixed annuities will allow you to access your money whenever you choose, provided you meet minimum withdrawal requirements.
    You may also choose to receive automatic withdrawals on a regular basis, such as annually, quarterly or monthly. In those cases, you have complete control over the timing of payments, but you have no protection against outliving your money.
    Another option is to exercise an important benefit of fixed deferred annuities and turn your money into a guaranteed stream of income that will last as long as you live. If you choose this option, you will receive guaranteed payments for the rest of your life.
    1 Withdrawals taken before age 59½ may be subject to a 10% federal tax penalty as well as tax on any gain in the contract.
     

  • What if I die before I begin receiving my payments?

    In the event of your death, your annuity’s account value will be paid directly to your beneficiary.
  • Fees and withdrawal charges

  • What are withdrawal charges, and why do fixed deferred annuities have them?

    A withdrawal charge is a penalty you pay for withdrawing your money before a certain amount of time has elapsed. This amount of time is called the surrender period. The penalty, or withdrawal charge, is usually a percentage of your annuity’s value at the time of withdrawal.
    Since annuities are designed to be long-term investments, a withdrawal charge provides an incentive to keep your money with a company for an appropriate period of time. This consistency helps companies plan investment strategies, and in turn offer you, the annuity owner, the best rate possible on your money.
     

  • Are there any up-front or ongoing sales charges associated with a fixed deferred annuity?

    Unlike other types of investments, fixed deferred annuities do not have up-front or ongoing sales charges.
  • 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.
Related Links

Annuity Product Comparison

  •  Builder AnnuityBalance AnnuityFoundation AnnuityFlexible Payment
    Premium Payments
    • One lump-sum premium payment
    • Minimum amount of $15,000
    • One lump-sum premium payment
    • Minimum amount of $10,000
    • One lump-sum premium payment
    • Minimum amount of $10,000
    • Periodic payments made annually, semi-annually, quarterly, or monthly.
    • Minimum initial payment of $250, minimum subsequent payments of:
       - $100 monthly
       - $250 quarterly
       - $500 semiannually
       - $1,000 annually
    Interest
    • Interest rate is guaranteed initially for four years
    • Interest rate is reset each year after initial period.
    • Interest rate is guaranteed initially for one or five years (you select your preference on your application).
    • Interest rate is reset each year after the initial period.
    • Interest rate is guaranteed initially for one or five years (you select your preference on your application).
    • Interest rate is reset each year after initial period.
    		Interest rates are credited to each payment.
    First-Year BonusNoYes. 1.00% extra interestYes. 0.25% extra interestNo
    Tax DeferredYes. You won’t pay taxes on the growth of the annuity until you withdraw money from the annuity.Yes. You won’t pay taxes on the growth of the annuity until you withdraw money from the annuity.Yes. You won’t pay taxes on the growth of the annuity until you withdraw money from the annuity.Yes. You won’t pay taxes on the growth of the annuity until you withdraw money from the annuity.
    Access to Your CashYes, through partial and systematic withdrawals1 and annuitizationYes, through partial and systematic withdrawals2 and annuitizationYes, through partial and systematic withdrawals2 and annuitizationYes, through partial and systematic withdrawals2
    Optional ModulesYes3
    • Extra Access
    • Extra Care and Protection
    • Extra Assurance
    		NoNoNo
    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.
    1 May vary by state. Up to 5% of the beginning-of-year account value may be withdrawn without withdrawal charges. Withdrawals taken before age 59½ may be subject to 10% federal tax penalty as well as tax on any gain in the contract. Clients should consult a tax advisor.
    2Up to 10% of the beginning-of-year account value may be withdrawn without withdrawal charges. Withdrawals taken before age 59½ may be subject to 10% federal tax penalty as well as tax on any gain in the contract. Clients should consult a tax advisor.
    3Modules may not be available in all states.
Related Links

Single Premium Deferred

One Payment – A Lifetime Of Guarantees 

Contact a Local Agent

With a single premium deferred annuity (SPDA), you make just one lump-sum premium payment in exchange for a guaranteed stream of income for your retirement years. Here is a brief overview of a SPDA:
    • A SPDA is funded by one payment.
    • With a deferred annuity, you get the power of tax deferral, which means your annuity value earns interest that won’t be taxed until it’s withdrawn.
    • As the interest accumulates, it in turn earns interest, compounding the growth each year.
    • You decide the period of time over which you wish to receive payouts from the annuity.1
    Single premium deferred annuities offered by Liberty Life:
    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.
    1Within the terms of your contract.
 
Related Links

Flexible Payment Deferred

Adjustable Features For Your Changing Needs 

  • If you are looking for guaranteed retirement income but don’t have a large amount of accessible cash, a Freedom Series Flexible Payment Deferred Annuity (FPDA)1 from Liberty Life may be right for you. Here is a brief overview of an FPDA:
    • An FPDA is funded by periodic payments made annually, semi-annually, quarterly or monthly
    • You decide how often you want to make the payments
    • Because FPDA payments are made over time, each payment has its own associated interest rate
    • The growth on an FPDA is tax deferred
    • You decide the period of time over which you wish to receive payouts from
      the annuity
    • A $30 contract fee will be assessed after the fifth contract year if the account value is under $5,000
    A Liberty Mutual agent can help you determine if an FPDA is right for you.
    Contact a Local AgentLife insurance and annuities issued by:
    Liberty Life Assurance Company of Boston, a Liberty Mutual company
    Home office: Boston, Mass. Service center: Dover, N.H.
 
  • Customer Login
    Pay your bills, report or track a claim, manage your policy.
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Thursday, July 11, 2013

Group Health Insurance

Group Health Insurance Information from Federated Insurance


Group Health

Value-Added Group Health Products

Federated’s group health insurance plans called Federated Health Choice® (FHC) are specifically designed for small- to medium-sized businesses. Our plans are available in these states (highlighted in maroon): Contact your Federated representative in these states for more information or a quote for Federated Mutual® group health insurance plans. See Locate Your Federated Representative.
Federated Health Choice® is offered exclusively through your local Federated representative and includes group medical, life, disability income, and dental plan options.
Federated Insurance does not offer individual health insurance plans.
Federated’s group health insurance plans called Federated Health Choice® (FHC) are specifically designed for small- to medium-sized businesses. Our plans are available in these states (highlighted in maroon):
Contact your Federated representative in these states for more information or a quote for Federated Mutual® group health insurance plans. See Locate Your Federated Representative.
Federated Health Choice® is offered exclusively through your local Federated representative and includes group medical, life, disability income, and dental plan options.
Federated Insurance does not offer individual health insurance plans.

Group Health Products with Value-Added Service

Federated offers business owners affordable employee benefit plans with choices. Our plans include these features:
  • Plans of choice – Preferred Provider Organization (PPO) – You choose your provider – no referrals needed, no gatekeepers.
  • National PPO Networks – Network doctors available to you while traveling, on vacation, or for children away at school.
  • Catastrophic transplant coverage – Full policy limits apply – no hidden sublimits.
  • Open formulary list for prescription drugs – No list that omits certain drugs.
  • Case management for catastrophic claims – We work with you and your providers to make sure care is appropriate and cost-effective.
  • Claims service with personalized, individual attention – When you call our claims office, you speak with a friendly, caring person.

Value-added premium savings choices

  • Many plan designs and options – Numerous plan design options available, choose from a variety of deductible, coinsurance and copay plan designs.
  • Defined Reimbursement Plans (DRP) – A DRP offers options to help you and your employees control health care expenses. Freedom Services provides administration services for our DRP.
  • Quality service – Local marketing representatives offer quality products and service for all lines of coverage you choose to purchase from Federated.
  • Medical management program – Helping you get the right care at the right time in the right setting. Federated partners with a utilization management program to help you make an informed decision about the appropriateness of the care you receive.
  • Prescription drug plan – Federated works with Express Scripts, a leading provider of prescription benefit services in the United States. As one of the nation’s leading prescription benefit managers, they are recognized as being at the forefront of pharmacy and medical cost management. Use of preferred brands on your drug list may save you money.
  • Vision discount program – Federated offers this program through Careington International, one of the largest, most comprehensive, privately-held discount health care companies in America. The program provides significant savings opportunities across a broad spectrum of vision products and services.
More than 100 local, state, and national trade associations recommend Federated’s group products to their members.
*This is general information only and should not be relied on for specific coverage information. The provisions of the policy will determine coverage. Contact your Federated representative for further details.

Protection When You Can’t Work

Disability income protection is important to your employees if they can’t work because of an illness or injury. Federated offers a group disability income plan, available to businesses covered under a Federated Group Medical Plan.
You can select from Weekly Income Benefit schedules for 26 weeks:
  • $100
  • $150
  • $200
  • $300
  • $400
  • $500
The amount in the schedule is paid for time lost from work due to illness or injury not covered by workers compensation.
Payments are limited to two-thirds of an employee’s weekly earnings up to a maximum of $500.
Contact your local Federated representative for more information on all Federated Group Plans.
*This is general information only and should not be relied on for specific coverage information. The provisions of the policy will determine coverage. Contact your Federated representative for further details

Group Dental

Sign On

Dental Coverage for Your Employees

Many employers like to offer their employees dental coverage along with their group medical benefit. Group dental insurance is available to businesses with five or more employees covered under a Federated Group Medical Plan.

Benefit options available

  • $500 for each covered individual (per calendar year)
  • $1,000 for each covered individual (per calendar year)
  • $1,500 for each covered individual (per calendar year)
  • $2,000 for each covered individual (per calendar year)

Calendar-year deductible

  • For each insured family member – $50
  • Aggregate family deductible – $100
The deductible does not apply to preventive services.

Coinsurance

  • Dental plans written after 2006 pay 100 percent of preventive services
  • Dental plans written prior to 2007 pay 80 percent of preventive services
  • Dental plan pays 80 percent of basic services
  • Dental plan pays 50 percent of major services
Contact your Federated representative for more information on all Federated Group Plans.
*This is general information only and should not be relied on for specific coverage information. The provisions of the policy will determine coverage. Contact your Federated representative for further details.
© 2005-2013 Federated Mutual Insurance Company. All rights reserved.
Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704
www.nationwide.com/joshlewis
www.austinhealthbrokers.com
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Universal Life Insurance

Universal Life Insurance Information from United Fire Group




Considered to be the “hybrid” product in the life insurance industry, universal life can be customized to fit your needs and budget. It is permanent life insurance with built-in flexibility, allowing you to adjust the policy as your needs change. You can even cover your entire family under one permanent policy.
Basic Coverage
Universal life insurance is an economical alternative that offers both flexibility and guarantees. It is a flexible life insurance plan in which payments are placed into an account and monthly policy expenses are removed from the account while the remainder continues to earn interest.
Benefits
  • Flexible benefits and premiums*
  • Tax-deferred cash value growth earning a current stated interest rate
  • Plan can be customized with riders (Click the Personalized Coverage section above to learn more or contact your independent life insurance agent.)
Limitations
  • Interest rate could drop, leading to less cash value growth**
  • If not funded properly, the coverage can lapse
*death benefit increases are subject to underwriting and premiums are subject to minimum requirements
**the guaranteed minimum interest rate is 3.00 percent
Personalized Coverage
Planning for retirement is different for each individual and family. That’s why United Life offers a variety of riders that can be purchased and added to your policy. Some of our most popular riders include:
  • Guaranteed No-Lapse: By purchasing this popular rider, you must pay the stated ongoing Guaranteed No-Lapse premiums. By doing so, the coverage is guaranteed not to lapse, even if the cash value interest rate goes down over the years.
  • Qualified Care Accelerated Death Benefit: When an insured is receiving qualified care and cannot perform at least two Activities of Daily Living*, a monthly benefit will be paid out of either:
    • 2 percent of the total rider benefit when confined to a nursing home or assisted living facility, or
    • 1 percent of the total rider benefit when attending adult daycare.
    If the benefit is never exercised, the full living and death benefits of the life insurance remain.
    *Activities of Daily Living (ADLs) include basic personal activities, such as bathing, eating, dressing, mobility, transferring from bed to chair, and using the toilet. ADLs are used to measure how dependent a person may be on requiring assistance in performing any or all of these activities.
  • Children’s Insurance: With this rider, your children can be covered for up to $10,000 each for one rider price. Natural-born or adopted children, up to age 18, can be covered with the rider, including the addition of future children. When each child reaches age 25, they convert to their own plan, up to five times the death benefit, without having to prove insurability.
  • Other Insured: If you would like to add another person to be covered under your policy, such as a spouse or business partner, you may do so by purchasing our Other Insured rider.
How much do you need?
Planning for the future can be tricky, unless, of course, you have a crystal ball. Our life insurance calculator can help plan your family’s financial future, estimating the amount of life insurance needed for your family. Start planning for your future by using our Life Insurance Calculator today.
Please visit with one of our independent agents to help you decide if a universal life insurance plan is right for you and your family.
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. If there is a discrepancy between the product as it is generally described here and the policy or rider issued to you, the provisions of the policy or rider will prevail.
Copyright © 2012 United Fire Group | All rights reserved | Disclaimers and Other Legal Documents | Privacy Statement | Website Privacy
Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704
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Insurance For Business

Information for Small, Mid-Sized and Large Businesses from Travelers

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Insurance options to help mitigate risk and protect your company

Risk is a common factor in everyday business. That’s why Travelers offers a wide range of business insurance options to help mitigate risk and protect your company. Whether you have a small, mid-sized, large or even highly specialized business, our dedicated underwriting, claims and risk control services can match your unique coverage and compliance needs.

Small business insurance made simple

At Travelers, we know choosing the right insurance for your business is an important decision. That’s why we’ve created one of the best portfolios of small business insurance coverages.
Whether you’re a store owner, office professional or wholesaler, our flexible, streamlined small business insurance coverages are designed to protect you against the unique risks and exposures you face – so you can tend to your business and rest assured that it is protected in every imaginable way.
As an industry leader, we pride ourselves in delivering excellence in every phase of our operations. Our insurance professionals work diligently to provide superior products and superior service. Listed below are a few reasons why Travelers should be your carrier of choice:
  • Financial stability
  • Flexible, competitive products
  • A dedicated team of professionals
  • Excellent customer service
  • Cutting-edge technology
  • Fast and efficient claim service
  • Risk control expertise

Customized commercial insurance by industry

No matter what business you’re in, having the right property and casualty protection for your industry is essential. Travelers Commercial Accounts sells a broad range of property and casualty insurance products targeting mid-sized, guaranteed cost businesses that have 50 to 1,000 employees and estimated insurance premiums of $50,000 to $1 million.
Our products are offered by industry under our IndustryEdge® product line. Each is designed with industry-specific underwriting, risk control and claims services – plus the ability to customize based on your business’ risk needs.
To anticipate and meet the challenges of our mid-sized business customers, we offer a team of service experts with an elevated perspective that help manage risks and resolve issues quickly. Learn more about how you can benefit from our Umbrella of Services.

Mid-sized product list

Learn more about our IndustryEdge products for:

Specialized risks – all sizes

Learn more about our products for:

Insurance for large businesses

Travelers offers a broad range of insurance and risk management options to large businesses and organizations. We specialize in designing sophisticated programs that leverage our product breadth to meet even the most challenging requests.

Property solutions

Travelers National Property offers cost-effective insurance programs for large commercial property insureds covering buildings, personal property and time element exposures. From the traditionally-structured to the highly-complex, we tailor property insurance solutions to meet each client’s unique needs, risk appetite and budget. Learn more »

Casualty solutions

The risk management needs of large organizations require flexible, customer-focused solutions. Travelers, through its National Accounts division, is an industry leader in providing tailored bundled and unbundled loss-sensitive primary casualty programs and claim administration services for customers that generate $1 million or more in total cost of risk. Learn more »

Customized Property Coverage®

National Property provides customized, cost-effective insurance solutions for owners of large commercial properties within an extremely broad variety of industries. Because one size does not fit all, our flexible and responsive property insurance policies are individually designed to meet each customer’s unique needs – covering their buildings, personal property and time element exposures.

Customized deals

Utilizing our highly flexible commercial property form, we’ll work with you to design tailored insurance solutions that meet your unique business needs. Our highly experienced underwriters cover every corner of the nation, and can write the international property exposures of domestic companies as well. We are your source for traditionally structured policies as well as complex alternative market approaches including:
  • Primary or excess
  • Blanket or loss limits
  • Deductible buy backs
  • Quota share
  • Aggregate deductibles
  • Captive & risk retention group fronting
  • Reinsurance assumed

Products/capacity/services:

Travelers extremely flexible property form allows a tremendous variety of insurance program options including ground up, primary, layered, excess, quota share, reinsurance assumed and non-admitted. We have significant capacity to write large accounts.
  • Substantial net & treaty capacity
  • Flood
  • Earthquake
  • Superior claim and engineering services
  • Larger properties, including highly protected risks
  • Innovative risk control
  • Global coverage in over 90 countries

Sample of classes of business written

National Property provides a ready market for a very broad variety of domestic U.S. industries. We will entertain almost any class of business in any format. Examples of our book of business include:
  • Real estate
  • Hotels and motels
  • Retailers
  • Industrial parks
  • Builders’ risk
  • Apartments
  • Restaurants
  • Amusement parks
  • Manufacturing
  • Colleges & universities
  • Theaters
  • Public entities
  • Supermarkets
  • Contractors equipment
  • Schools
  • Food processing
  • Plastic and metal workers
  • Banks
  • Soft drink bottlers
  • Warehouses
  • Steel workers
  • Hospitals
  • Communications
We can round out your property program with:
  • Boiler and machinery
  • Inland and ocean marine
  • Crime
  • Global/International

Specialized property programs

Travelers is also an industry leader in writing non-traditional and specialty market First Party Programs. In association with our program managers, Travelers makes it easy to place business within a variety of specialized markets including, but not limited to:

National Property – Excess property market

Travelers’ National Property’s in-house excess capabilities include:

  • Attachment points of $1,000,000 or greater
  • Over $400,000,000 of net and treaty per location capacity
  • Large and complicated risks, including HPR
  • Innovative risk control
  • Responsive claim services
  • Account executives with decision-making authority
  • Able to round out property programs to include: Equipment breakdown, inland, crime and global/international coverages
  • Availability of facultative reinsurance to increase total capacity

Customer-focused casualty solutions

National Accounts provides tailored bundled and unbundled loss-sensitive primary casualty programs and claim administration services for customers with $1 million or more total cost of risk.

Experienced underwriting

  • Our local, experienced underwriting and service professionals, broad products and services portfolio, and proprietary risk management information system work together to design and execute the most effective solution to clients’ risk management challenges and to help them achieve their strategic objectives.

Insurance products

Primary casualty coverage includes workers compensation, general/product liability and auto liability. We also offer single parent, group and association captive programs.

Loss-responsive solutions

We offer flexible program design for large deductible and retrospectively rated plans, self-insured retention plans, customized retention plans, unbundled individual risk transfer, captives and stand-alone claim services.

National accounts representatives
Central Mark O’Brien – 312.458.6445 IA, IL, IN, KS, MN, MO, ND, NE, SD, WI Great Lakes Suzanne Sandusky – 412.232.1350 KY, MI, OH, MI, PA, WV North / Metro Jim Anderson – 917.778.6575 DE, MD, NJ, Lower NY, PA-East   © 2013 The Travelers Indemnity Company. All rights reserved. Privacy Center | Legal Notices | Producer Compensation Disclosure
Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704
www.nationwide.com/joshlewis
www.austinhealthbrokers.com
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