Property Insurance...
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Trust Coverages
- Property – Building and Contents
- Automobile Physical Damage
- Electronic Data Processing
- Business Interruption
- Crime
- Fidelity
Property Options
A variety of risk financing options are available and range from traditional first dollar coverage to individual self insurance.
- Traditional First Dollar
- Allows for full transfer of loss
- Full insurance services are provided.
- Traditional Coverage with Deductible
- Premium credits received for minimal retention of risk.
- Deductibles selected from $500 to $2,500 per claims.
- Full insurance services are provided.
- Deductible Stop Loss
- Plan designed and offered with deductibles on any combination of workers’ compensation, liability and property coverages in amounts of $5,000; $10,000; $25,000 or $50,000. Protection against aggregate deductible losses exceeding pre-determined stop loss amount. Coverage reverts to First Dollar when and if stop loss is reached.
- Deductible payments handled on reimbursement basis.
- Single deductible for multi-coverage claim.
- Claims Administration and Risk Control Services automatically included in plan.
- Individual Self Insurance
- Allows for larger retention of loss through selected self-insured retentions ranging from $100,000 to $500,000 per occurrence.
- Property excess up to total insured values.
- Optional Claims Administration service competitively priced on individually requested basis.
- Two Year Premium Guarantee Program
- Guaranteed premium for all coverages with no further adjustments to rates, exposures, modification factors, etc. for a two year period.
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