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State Directory- Auto InsuranceA term typically related to statutorily mandated auto insurance that pays the medical or property damage expenses caused by a car accident without assigning fault. It does not insure collision, comprehensive damages, or liability. PIP limits are statutorily assigned at $10,000 per person and $20,000 per accident.
- Renters InsuranceCLUE stands for Comprehensive Loss Underwriting Exchange and is a claims history database that allows insurance companies to access information about the dwelling or home in question in order to decide whether to insure a home and at what cost. CLUE reports provide a history of your property insurance claims for homes, rentals and vehicles. It’s offered by LexisNexis Risk Solutions, and the information in the report is subject to Federal Fair Credit Reporting Act (FCRA) guidelines. Using underwriting guidelines laid out in the FCRA, a CLUE report provides up to a seven-year history of automobile and homeowners/renters insurance losses associated with an individual. That includes the date of loss, loss type and amount paid, along with general information such as policy number, claim number and insurance company name. This information includes claims that were paid or denied, and also files opened for potential claims. For example, if you call your insurance agent to ask whether certain damage would be covered, but never start an actual claim, the agent might still set up a new claim file based on your phone call." Source: Insurance U Agent CE Exam 2022
- Home InsuranceSee: Homeowners insurance, Commercial Property polices. Know that most "All Risk Policies" insure theft, as apposed to "Named Perils" policy that do insure it (and potentially others coverages not insured by an "All Risk" property policy form.
- Condo Insurance
- Title InsuranceA property and casulty policy provision allowed by the policy owner, authorizing insurance recoveries be paid directly to the lender, or lessor, or title insurance company, etc (and not to hte policy owner - insured). Very important to understand if there is a fire, and total loss, the property owner may not get paid what he need to repair the damage and bring the property back to rentable condition, etc. Talk to a qualified lawyer when agreeing to these.
- Life InsuranceIUL Life insurance with “Pension benefits” - contractually promised safety: S&P Index interest crediting 0% to 10.5%cap. Life insurance with Fixed Indexed Annuity safety.
- Health InsuranceAdvanced Aggregate is reinsurance provided to ERISA exempt entities. Reinsurance over multiple self funded employers is provided by advancing aggregated coverage recoveries for risk between specific retention and a percentage of the fully funded and underwritten major medical insurance premium.
- Disability InsuranceEmployer Stop Loss is available to provide coverage on both a Specific and Aggregated basis. Coverage is bid to A 'Best' rated carriers on groups of 150+ lives, and is usually accompanied by Life and Disability insurance options. Pharmacy coverage is included where not separately bid under a fully insured Pharmacy Benefit Management program. Vision, Dental, Mental and Transplant carve out coverage is available where desired by the client to complete the benefits package. Discounted access to non exclusive national PPO networks manages the cost of both in-area and out-of-area care.
- Long Term CareAn insurance policy triggered by a member’s inability to perform three or more activities of daily life (ADL). ADL’s can include: bathing, shopping, transporting, toileting, check writing, cleaning, cooking, housework, banking, etc. These are explicitly defined in long term care policies. Long term care is considered custodial and not acute care, and is not insured by most major medical or Medicare plans beyond the period defined in the policy for rehabilitation. Coverage is generally of two types: lump sum to spend as needed, or lump budget doled out by a daily limit schedule (i.e. $250 per day up to $150,000 limit).
- Dental InsuranceThese are Dental Discount plans offered by name-brand carriers. Dental INSURANCE is also available at much higher cost ($240 - $480 per YEAR for individuals). 98% of Dental INSURANCE plans: charge copays for cleanings, have one year waiting periods for expensive dental procedures, and have deductibles, co-insurance copay amounts, and $1,000 - $1,500 annual plan limits. So, one root canal and crown tanks the plan limit. Dental DISCOUNT plans waive waiting periods, deductibles, some co-insurance, and do not have limits. In our view, Dental DISCOUNT plans are a better value. Compare your costs: Annual Premium + Deductible + Co-insurance copay + additional out of pocket costs over $1,000 limit your current INSURANCE may not insure... Discount plans discount what dentists charge, and do not pay for care.
- Business Insurance
- Commercial Property InsuranceCommercial property insurance covers your business property and equipment in case of damage or destruction. Specifics of what is covered and from what causes of damage vary with the individual policy and with individual insurers. The following are typical types of coverage in commercial property insurance. In Florida coverage is not provided for Wind Storm (hurricanes) unless we add that “Cause of loss”.
- Workers Compensation InsuranceIf you are requesting: Products and Completed Operations, EPLI, CRIME, Cyber Liability Flood, Hurricane/Hail, Business Interruption/Business Income, Commercial Auto GL added to package coverage, Workers Compensation, Errors & Omissions/D&O, transportation of freight risk, marine cargo risk, etc. - please indicate on Acord Application form 125, or 126.
- Professional Liability InsuranceIn the areas of: Self funded Plans, Self Insured Medical plans, Risk Management, Case Management, Transplant, Reinsurance, ACA Plan Offerings & Compliance, Provider Excess Loss, HMO Reinsurance, Employer Stop Loss, Group Insurance, TPA Administration, ASO Administration, Broker Standards, Professional Liability, Errors and Omission, Directors and Officers, Managed Care Liability, and Managed Pharmacy Risk Programs, our access is second to none.
- Builders Risk InsuranceA Builders Risk policy endorsement (rated at 10%-30% of the total completed project value) that can provide additional limits that may be warranted where "completed change orders'" added value is necessary to insure the project to the policy owner's changing perceived (increasing valuation) needs, and at a cost the insured is willing to pay for the added coverage. (Added completed total value can be a squirrelly estimate.)
- Annuities"Sec. 9015. Additional hospital insurance tax on high-income taxpayers. Increases the hospital insurance tax rate by 0.9 percentage points on an individual taxpayer earning more than $200,000 ($250,000 for married couples filing jointly). The revenues from this tax will be credited to the HI trust fund. As amended by Section 1402 of the Reconciliation Act, expands the hospital insurance tax to include a 3.8 percent tax on income from interest, dividends, annuities, royalties and rents which are not derived in the ordinary course of trade or business, excluding active S corporation or partnership income, on taxpayers with income above $200,000 for singles ($250,000 for married filing jointly)." Source: FL Agent CE Exam
- Liability InsuranceWhere a consumer feels the policy limits are too low, he may request additional limits most carriers are happy to offer. Where the carrier is not offering limits above $1,000,000, a separate (standalone) UMBRELLA policy is usually available if requested by the insured.
- Identity Theft Insurance
- Pet InsuranceA salaried employee of the generallines (property and casualty) agent or agency that may transact automobile, water craft, home, motorcycle, and pet insurance under the supervision of alicensed and appointed general lines agent. Covid statutes are allowing these people to work from home for a period, and not directly in the same office as the fully licensed P&C agent - (as is normally required).
- Flood InsuranceA term used by Flood insurance underwriters to accept, reject or discount flood insurance rates, and that is found on the Elevation Certificate.