Let me Place for you:
All Risks -- Service Locations
I can provide insurance to risks domiciled in Alaska and their operations outside the state, coverage for only the Alaska operations of risk domiciled outside the state, and arrange insurance for the overseas operations of Alaska domiciled risks.
Professional Liability Insurance
I represent Norcal Mutual Liability Insurance Company. Through this company, coverage is available for Medical Practitioners, Dentists, and their practice extenders, including alternative medicine practitioners, hospitals, clinics, small or large specialty group practices, or free standing urgent care, treatment, surgery, or imaging centers.
I am able to access excellent companies for coverage for high risk specialties, distressed or impaired practitioners not acceptable to standard carriers. I can obtain insurance for Practitioners who have been cancelled or non-renewed. I have resources that will cover Practitioners who have practiced without prior professional liability insurance, or who are re-entering practice after a license suspension or other disciplinary actions.
Errors and Omissions Insurance
This is the name used to define professional liability coverage for Lawyers, Architects, Engineers, Surveyors, Real Estate Agents or Brokers, or others engaged in the providing non-medical professional services. Coverage is available for firms, or for individuals, whether or not Errors and Omissions insurance has been purchased in the past. I also have resources for coverage for those who have been declined coverage or cancelled, or non-renewed.
Small or Home Based Businesses
You are my special care and concern. No business is too small! I can place for you Workers’ Compensation, General Liability, Property, or a Business Owners Packages (property and liability insurance in one policy). I can also help with bonding and automobile coverage. Small specialty or general contractors are often need the professional skills in risk management I can provide, as well as help with their insurance.
If you operate your business from your home, remember your Homeowner’s policy does not cover either your business liability or your business property. I can fit commercial coverage to your need, so that coverage supplements but does replace or conflict with your Homeowners policy.
Difficult or Unusual Risks
There are some kinds of businesses that have difficulty in obtaining Workers’ Compensation, Commercial Property or General Liability Insurance because what they do is regarded by many insurance companies as unique and uninsurable, or because of prior adverse underwriting or financial experience. Risks offering new or innovative products or services often have difficulty obtaining insurance just because they are doing something new. I can often find coverage and place it for all these type risks.
Commercial Automobile and Garage Liability
Businesses with small fleets of commercial vehicles and small auto repair or maintenance shops or service stations often need help with their automobile insurance. I have resources for small automobile fleets or for garage liability policies through several fine standard insurance companies. If you are required to file evidence of financial responsibility (form SR-22), my only resource is the assigned risk plan. Standard markets may consider coverage for fleets or individual units requiring DOT filings. Auto repair shops or service stations that are not subject to financial responsibility laws can be placed through the either the normal market or the surplus lines markets if they are not acceptable to a standard market.
Fidelity and Surety Bonds
These instruments are technically not insurance, but I can help you with them. There are seven broad categories of bonds you may require at one time or another: Permit or License Bonds, Court Bonds, Lost Instrument Bonds, Business Services bonds, Contractors or Suppliers Bonds, Public or Private Officials Bonds and Customs or Importers/Exporters Bonds. Under the court bond category, I cannot provide bail bonds. Please note that if you need a business services bond, it provides coverage as respect the dishonesty of your employees while working on the premises of your customers or clients, but does not provide protection to you if an employee embezzles or steals your own money or property; in like manner, a contractors or license or permit bond does not cover loss from the dishonesty of your employees at any location. Coverage for your loss arising from the theft of your assets or embezzlement by your employees is covered under a crime policy, which is usually included as a part of a business owners package policy.
International Coverage
Traveling outside the United States for recreation, business, or missionary activities? Foreign travel accident or health insurance is essential. Businesses sending employees overseas need policies that protect them against the same kinds of loss that can happen domestically, but these policies must conform to regulations and laws of the Host Country. Coverage should also include Kidnap, Ransom, and Extortion insurance. Click here for More Complete Information and to obtain a proposal!
Tax Favored Individual or Group Health Insurance
The changes in the tax code encourage the use of approaches to providing this kind of insurance that maximize the tax benefits that may be enjoyed by individuals or families while securing their health insurance protection, whether through free standing policies, or through participation in a group program offered by their employer. If the program is offered by an employer, there are also often significant tax benefits to the employer. I encourage the review of the benefits either insureds or employers can obtain through the use of innovative and imaginative approaches, such as Health Savings Accounts.
Disability Income Insurance
Although often included at low protection levels in group plans, high income employees or individuals should examine the use of high limit policies in order to obtain adequate protection against the loss of income as a result of a disability.
Short Term Major Medical
An employee leaving one employer to another may have continuation of benefits coverage available from their former employer. The premium for this type coverage, when obtained through the employer, can be terribly high. Individually purchased short term major medical insurance may offer the same benefit as is guaranteed by the former employer’s group plan, but at a substantially lower cost.
Unmarried children over the age of 23 or married children between the time they marry and the time they obtain their own permanent coverage, or other persons who are no longer covered by participation in a student health benefit program or by their family's insurance and do not have a job from which they may receive health benefits, may also find that short term major medical coverage satisfies their need for protection at a reasonable cost.
I can provide you with a quick proposal for short term Major Medical Insurance that will help you across the potential gap in coverage arising from either of the situations described above.
Term Life Insurance
Term life insurance, unlike the other forms of life insurance, is not a combination of a savings and investment program and insurance. It offers insurance only, and may be used to create an instant estate for those who need one. It is also usually much less expensive than other kinds of life insurance. Let me show you how.
Revised 02/11/2008