United Agencies' business is insuring YOUR business.

Property | Liability | Vehicle | Workers Compensation

Whether you are a Fortune 500 company, or a "Mom and Pop" Shop, we have Insurance Programs that will suit your needs. Our relationships with over 40 national Business Insurance Companies allow us to provide us with the service and quality that your business deserves. Look below to find out more about the coverages that we provide.

Property Coverages
Protecting property against physical damage is always our first concern.

1. Building / Contents Coverage
   Provides protection against financial loss due to physical damage to your property by specified perils.
2. Business Income / Business Interruption Coverage
   Provides coverage for the Loss of Income that results from the Interruption of your Business due to a covered loss.
3. Crime / Employee Dishonesty Coverage
   Protects an employer from financial loss due to the fraudulent activities of one or more employees. The coverage includes protection for loss of money, securities, and other property of the insured.
4. Inland Marine / Floaters Coverage
   Provides coverage for loss to moving or moveable property and is an outgrowth of ocean marine insurance. Historically, ocean marine insurance held the transporter responsible for property loss before, during, and after the completion of the voyage. In the 1800's, the non-ocean portion of the journey grew as cargoes were transferred to barge, etc., and the term "inland marine" was coined. Inland marine policies became known as "floaters" since the property to which coverage was originally extended was essentially "floating."
5. Ocean Marine / Cargo Coverage
   Provides coverage for the shippers goods while being transported by ship or airliner.

Liability Coverages
Covering you against a financial loss due to a covered claim for which you are legally liable.

1. General Liability Coverage
   Provides protection against financial loss from claims or suits due to Bodily Injury or Property Damage and Personal Injury (i.e. libel, slander, false arrest, etc.) arising out of your operations and for which you are legally liable. Coverage ncludes defense coverage.
2. Professional Liability Coverage
   Provides protection against financial loss arising out of claims or suits alleging damages resulting from your acts, errors and/or omissions while providing professional services. Polices are tailored to address the specific professional exposure, i.e. medical, legal, technological, architecture, engineering, etc.
3. Directors & Officers Liability Coverage
   Coverage designed to protect the Directors & Officers of corporations as well as the corporation itself against litigation costs and ultimate settlements or judgments.
4. Employment Practices Liability Coverage
   Provides protection against financial loss arising out of claims or suits brought by employees and/or prospective employees alleging wrongful termination, discrimination, harassment, etc.
5. Fiduciary Liability Coverage
   Fiduciary liability, also known as pension trust liability, provides coverage for loss that you become legally liable to pay because of a claim made against you for any alleged wrongful act by you or by any other person for whom you arelegally responsible. It also covers the defense costs in connection with a covered claim. The policy is written on a claims made form.
6. Employee Benefits Errors & Omissions Liability Coverage
   Protects you against claims by employees or former employees resulting from negligent acts or omissions in the administration of the your Employee Benefits Programs.
7. Umbrella / Excess Liability Coverage
   Provides limits in excess of that carried under the primary General, Automobile, and Employers liability.

Vehicle Coverages
One of your biggest exposures: Your vehicles are on the road everyday!

1. Automobile Liability
   Provides protection against financial loss from claims or suits for Bodily Injury and/or Property Damage arising out of your ownership, maintenance or use of vehicles.
2. Uninsured Motorists Liability
   Protects insureds who are not contributorily negligent against bodily injury caused by negligent uninsured motorists.
3. Medical Payments
   Provides coverage for any Medical Expenses involved for any injury caused by an Vehicle.
4. Non-Owned Automobile Liability
   Covers liability for the use of non-owned automobiles in your business. An example would be an employee using his/her own car on an errand for you.
5. Hired Automobile Liability
   Covers liability for the use of hired automobiles in your business.
6. Rental Car Coverage
   Provides reimbursement for cost of renting a replacement vehicle while your vehicle is being repaired after a covered loss.

Workers Compensation
State and Federal Laws require this important protection be provided for every worker.

1. Employers Liability
   Provides protection to employers for claims/suits arising out of gross negligence.
2. Workers Compensation Benefits
   Provides your employees with medical and loss of income protection resulting from on the job injuries as required by state statute.

Your personal assets should be well protected.

Home/Renters | Car/Motorcycle | Boat/RV | Personal Umbrella

Coverage for your home, cars and other "toys" is vitally important. Click below for further information.

Home / Renters Coverages
Whether you own or rent, you still need to protect your property and your own Personal Liability.

1. Homeowners Coverage
   It is not required by law, but it is required by most banks issuing mortgages on your home. If you own a home, homeowners insurance is essential. Homeowners insurance is designed to pay for damages to your home and its contents, or it can protect you from financial liability if you are held responsible because not a member of your household is injured on your property, includes legal defence cost if you are taken to court. For example, of a branch from a tree on your property were to fall on the home next to the one you own, your homeowners insurance would cover your liability for your neighbor's injury and property damage.
2. Personal Liability
   Your landlord's insurance does not cover your personal property. A renters policy covers your personal belongings such as your cloths, stereo, furniture, television, bicycle and other items. Renters Insurance protects you against losses from fire or smoke, lightning, vandalism, theft, explosion, windstrorm and water damage from plumbing. It covers your responsibility to other people injured at your home, includes legal defense cost if you are taken to court.
3. Condo Coverage
   You will need two separate policies to protect your investment. Your own insurance policy will provide coverage for your personal possessions, structural improvements to your unit and additional living expenses if you are the victim of fire, theft or other disaster listed in your policy. You would also get liability protection. A "master policy" provided by the condominium association. This will cover the common areas you share with others in your building like the roof, basement, elevator, and walkways for both liability and physical damage.
4. Flood Insurance
   A form of insurance designed to reimburse property owners from loss due to a defined peril of a flood. A flood policy protects you from flood.

Car / Motorcycle Coverages
One of your biggest exposures is when you are driving. Without the proper protection, you can lose everything that you own.

1. Automobile Liability
   Provides protection against financial loss from claims or suits for Bodily Injury and/or Property Damage arising out of your ownership, maintenance or use of vehicles.
2. Uninsured Motorists Liability
   Protects insureds who are not contributorily negligent against bodily injury caused by negligent uninsured motorists.
3. Medical Payments
   Provides coverage for any Medical Expenses involved for any injury caused by an Vehicle.
4. Rental Car Coverage
   Provides reimbursement for cost of renting a replacement vehicle while your vehicle is being repaired after a covered loss.
5. Towing / Labor
   Covers the cost of towing your damaged vehicle to a repair facility in the event of a covered accident.
6. Motorcycle Insurance
   In most states, the same financial responsibility laws that apply to cars apply to motorcycles. Auto insurance and Motorcycles share many similarities. Full coverage insurance is mandatory when financing a new motorcycle. Whether you're touring, cruising or just out for a spin, with the proper motorcycle insurance you'll know you're protected should something unexpected happen.

Boat / RV Coverages
"Toys" are for fun and relaxation. But, when accidents happen they can become liabilities without the proper insurance.

1. Boat and Personal Watercraft
   Did you know that your standard homeowners insurance only provides limited coverage. Depending on the size of your wartercraft, the liability coverage may be excluded entirely. There are many different types of watercraft coverage that can be matched to meet your needs. Boat and watercraft owners should consider purchasing their insurance from underwriters who understand the need for unique insurance coverage's, specifically to protect boat owners.
2. RV Coverage
   We can help you protect your investment and RV lifestyle. If you are financing your motor home, you will be required to provide physical damage coverage for protection against direct, sudden and accidental loss. You may also want to discuss Campsite/Vacation Liability which will provide you with liability coverage when you are parked and using your motor home as a residence. We have policies that provide important standard and optional coverage, and provide the type of coverage that give you peace of mind so you can sit back and enjoy your trip.

Personal Umbrella Liability
How much is enough? A Personal Umbrella increases your limits of coverage.

An Umbrella policy, as they are also known, supplements the liability coverage you already have through your home and auto insurance and provides an extra layer of protection. For example, if you don't have enough liability coverage to resolve a claim or a lawsuit, the person bringing the action might go after your home or your other assets to pay for the damage. Umbrella policies cover damages claims that you, your dependents, or even pets may cause up to the policy limit.

You provide your Employees many benefits.

Health/Dental | Life/Disability | Retirement Plans | Human Resources

Our job is to help you coordinate the many different benefit plans that you offer so that you are getting the most competitive rates. We also work with you to educate your staff on the benefits they receive so that they appreciate what they are being given.

Health/Dental Coverages
The bedrock of most Benefit Plans. Medical and Dental Expenses can be covered in many different ways.

1. HMO Coverage
   An affordable option, an HMOis a managed approach to medical care that is most commonly purchased due to its simplicity and LOW out-of-pocket costs at time of use.
2. PPO Coverage
   If having a Choice is your concern, and seeing a specialist you want when you want is how you would like your plan to work-then a PPO plan is the plan for you. PPO plans are usually available with an IN-Network Provider directory that keeps your costs down, but also provide a benefit that allows you as the subscriber to see any physician you want (even if they are not in a company's directory) for a lower, yet substantial benefit amount.
3. POS Coverage
   This is the "everything" plan. POS plans combine both an HMO option with the PPO options giving you the most choice available. If you need care and can utilize the HMO tier of the plan, your personal out-of-pocket costs will be low. In the event that you do not want to utilize the HMO product, and desire to self-refer yourself to a physician of your choice, then the PPO option is available to you.
4. Dental
   Another affordable benefit, these can cost as low as $ 7 per employee, and are sometimes free when purchased alongside a Group Health Insurance plan. These products vary in a similar fashion to the Health plans: Dental Maintenance Organization (DMO), Dental Provider Organization (DPO) and traditional Fee For Service (FFS) plans are available.

Life/Disability Coverages
Providing financial security for injured employees, or the dependents of employees who pass away is also a concern.

1. Group Life Insurance
   Provides for the financial needs of the family of a worker who has passed away. Can be purchased for as little as a few dollars a month, covering from $15,000 per Employee up to 10 times their annual salary.
2. Employee Voluntary Life Insurance
   The right amount of Life Insurance is often... "more than you currently have." Your Employees can increase their Life Insurance coverage by purchasing Voluntary Life Insurance. The Employer does NOT contribute to the cost of this coverage, but simply makes the Payroll Deductions to pay the premium.
3. Long-Term Disability Insurance
   If an employee is disabled and unable to work they will sustain major financial repercussions. Long Term Disability Insurance provides for a portion of their lost income.
4. Short-Term Disability Insurance
   You can protect your employees against their loss of income due to a disability. Short Term Disability Insurance makes up the difference between their regular income and the amount provided by State Disability.

Retirement Plans
Employees who feel confident in their retirement plans feel more commited to their future with your company.

Tax deferred income plans that help to provide a substantial retirement to those who participate. Minimal set up costs and scheduled administration fees, these plans help give an employee a life to work towards. Employer sponsored contributions will not only increase your employee participation and satisfaction but also provide a unique tax benefit to your business.

Human Resource Services
We know that you have questions! You need help in your HR Department, and we have the products to help you!

1. HR Consulting Services
   New Laws are being added every day that make your job as an employer harder. In connection with Human Resources Professionals, United Agencies provides a Human Resources Consulting Service that allows you to get answers to your HR questions from HR Professionals.
2. C.O.B.R.A. Administration Services
   Federal and State Laws require you to offer ex-employees their Medical Benefits for up to 36 months after employment. ALL Employees need to be properly notified of their rights, and employees that leave employment need to have their options explained to them properly. We can help you administer the billing and enrollment of these plans, and take a big headache out of your life.
3. Section 125 Cafeteria Plan Administration Services
   IRS Law allows your employees to deduct their portion of the premium payment (and many other expenses) from their PRE-TAX Dollars. This is a "Win-Win" solution, saving your employees money from their paychecks, and reducing your payroll connected costs. These plans are easy to institute and inexpensive to maintain. Let United Agencies set up one of these plans for you today!
4. Short-Term Disability Insurance
   Reducing injury at your workplace is not only good sense but it's good for business also. United Agencies will work with you to make sure that you get the proper SB198 Safety Manuals, and any other workplace safety programs that will benefit your operation.
5. Employee Screening
   United Agencies can help you legally test prospective employees for Drug Abuse, check Motor Vehicle Reports, and run Criminal History Searches and Credit Reports (where applicable). Many other services are available.

Protecting yourself and your family against sickness, accidents or an untimely death should be one of your primary concerns.

United Agencies provides a full range of personal Health and Life Products. Click on one of the following for more information:

Health | Life | Disability | Retirement/Annuities

Health Insurance Coverages
Chosing the right plan to meet your family's needs is important.

1. PPO Coverage
   You can chose to receive services from any of the Doctors in the "Preferred Provider Organization". Service received outside of the Network is reimbursed at a greatly reduced rate.
2. HMO Coverage
   "Managed Care" plans control medical costs by having all of your care managed by a Primary Physician. You chose one Doctor as your Primary Doctor, and all other care is referred for approval. You have no Deductibles, no claim forms, and no coinsurance.
3. Medical Savings Plans
   Recent laws allow for tax-deductible savings to be set aside to cover "high deductible" PPO Plans. Deductibles are traditionally $1,500.00 to $2,250.00 per person.

Life Insurance Coverages
It's not for those that die, it's for the ones that live. There are many different kinds of Life Insurance.

1. Universal Life
   A flexible life insurance protection that includes a cash value (savings component). The policy terms are flexible allowing you to adjust the premium and amounts of death benefit. The money you save is in a tax-deferred account. It is important to have any type of life insurance if other people are dependent on you and would suffer financially if you passed away. Universal life is important since it offers you flexibility in your coverage and benefit while at the same time giving you a tax deferral on earnings.
2. Term Life
   Serves a temporary purpose when you want insurance for a specific period of time like the name implies . . . (ie. 5, 10, 20 30 year terms). At the end of the period the policy expires. This policy can be converted into a permanent life policy. It is important to have as it can be used as mortgage protection, coverage for dependents, protection for college funding, etc.
3. Key Person Life
   Provides a benefit for the company or partner should he/she suddenly pass away. In business you have Key Employee's/Owners/Partners that play a big role in the success of the business. Should one of these individuals not be able to produce what they normally do the company will suffer. This coverage will give the company/partner a sum of money to keep the company at it's status quo and help find a replacement to get the company back on its feet again.
4. Buy / Sell Life
   This coverage accompanies an agreement that is prepared in advance (a Buy / Sell Agreement). The agreement states the intentions of the partners for the heirs to buy out the surviving partner(s) or the surviving partner(s) to buy out the interest of the heirs. The Buy / Sell Agreement will state a purchase price. Buy / Sell Life Insurance is important to have as it can provide the capital needed to fulfill a Buy / Sell Agreement. Without this you might have to take in outsiders or even family members who are not trained or educated in your type of business.
5. First-to-Die Life
   Some Insurance Companies provide a specialized policy to a married couple, or a business partners insuring BOTH persons, but only paying benefits to the first party to die. This saves money as the premium would be higher if each were insured individually.
6. Split Dollar Life
   This agreement splits the premiums, cash values and death benefits of a life insurance policy between two parties. The policy holder contributes a gift (payment) each year to increase the economic benefit. It is important to have as it free's up dollars otherwise paid currently in gift taxes for use in other more productive ways (ie. investments).

Disability Insurance Coverages
The odds of being hurt and unable to work high enough to give some serious consideration to.

1. Long Term Disability
   This type of coverage will cover the loss of wages you would incur if you were to become sick and unable to report for work. This coverage is important since it gives you and your family income when you are not able to work due to an accident or illness.
2. Business Income Disability
   This coverage will protect your business against the loss of income it would incur if you were to become sick and unable to work. This coverage is important since it protects your business if you are a key person.

Retirement/Annuities
Saving for your "Golden Years" should be everyone's goal.

1. Annuities
   Annuities are used as a savings vehicle. They can offer unique benefits such as a tax deferral and the security of a lifetime income withdrawal.
2. Individual Retirement Accounts (IRA)
   A Traditional IRA is an account that allows you to defer taxes on your earnings until they are withdrawn. Contributions may be tax deductible in the year they are made if certain requirements are met. Qualified participants up to age 70 ½ may contribute up to $2,000 annually.