united benefits advisors

Commercial Insurance

 

  • We like to think that we don’t just sell insurance – we solve problems. If we find that our client is properly insured, we will tell them that.
  • We are a modern, large insurance firm BUT we have made our success by treating our clients in an “old fashioned” way – as friends. We like to know and understand our clients’ entire insurance portfolio and needs
  • We perform our TOTAL INSURANCE ANALYSIS at no cost to you, identifying every insurance policy you have or need and identifying any gaps, under-insurance, and over-insurance that may occur. We are a full service agency with specialists in every form of insurance available. We do not insist on our client taking insurance coverage – however our job is to inform you of your potential financial exposure.
  • We use at least three insurance providers and we review every client account each year to determine where their insurance is best placed to provide maximum coverage at a reasonable cost. Those people who have used single company agents or agents with only one or two markets have found that they have no option but to sell the only program that they have available – they have no way to compare and shop to get the best price or coverage.
  • We contact our clients, on occasion, during the year to verify that no changes have taken place that could increase their financial risk or that might offer lower cost options to current insurance programs. Many insurance agents actually do the process of renewal analysis 90 or 120 days prior to a client’s expiration. Few actually let the client know what they have done. Too many customers feel that the insurance agent does nothing to remarket and price their coverage once the original sale is made. 
  • If claims occur, we respond to the claim on the same day that it is reported to us and we track the claim process to assure that it is handled in a timely fashion. Most agents quickly report claims. However, a surprising number of agents do no follow up on claims until and unless the client complains that the claim process has gone awry. We know the timely and efficient response to claims is the single primary reason that people buy insurance
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    Products

    Information Management

    • Graphing of Claims
    • Regularly scheduled claims review meetings
    • Experience Modification Projection & Review--
            - Forecast next year’s experience         mod
            - Reveal future premium cost of         losses as they occur
    • Help to create a WC Savings Goal
    • In-House claims management from start to finish

    We report to you….
    Employer/Employee Education

    • Active participation in Safety Committee meetings
    • Supervisor training
            - Accident Investigation
            - Early Return to Work
    • Safety education meetings
    • Safety newsletter articles

    Independent audit\review of 5 work comp areas

    • Payroll exclusions
    • Experience modification
    • Reserves
    • Claims
    • Job classification codes
    • 75% of audits result in a 5% -15% return

    Loss Control Services

    • Accident investigation procedure
    • Early return to work procedures
    • Work with physicians and therapists to determine appropriate work restrictions
    • Worksite Wellness programs

    Written Service Agreement

    • Clearly defined goals
    • Broker\Customer accountability
    • Focus and Direction

    Unique Services

    • WC Claims management
    • WC Graphing
    • WC Modification review & projection
    • 24 hour turnaround on certificates of insurance

    Insurance Company Contract Negotiations

    • Competitive dividends
    • Alternative funding arrangements
    • Audit dispute resolution
    • Negotiate claims reserves
      Audit open claims for timely processing
    • and completion

    Be sure to ask about our proven method for reducing the cost of your Workers' Comp Program.

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