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Business Owner's Policy (BOP)
A policy designed for small to medium businesses that include both property and general liability. BOP's also include business interruption insurance and crime insurance. You can also purchase additional coverages such as hired/non-owned auto coverage, flood insurance and earthquake insurance.
Cancer / Critical Illness
Leeds & York is happy to deliver Cancer & Specified Disease policies to brokers serving employer groups throughout the country.
According to the American Cancer Society, about half the men and one third the women in America will be diagnosed with cancer within their lifetime. Over 1.3 Million cases will be reported during the next year! The cost of the ensuing treatment can easily exhaust a patient's Major Medical benefits. Supplemental coverage can help.
Through our programs, you are able to meet the needs of your clients by providing them with a customized plan of your design made up of the following benefit options:
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Daily Hospital Confinement |
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Radioactive Isotopes Therapy |
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| Chemotherapy |
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Immunotherapy |
In addition to flexible plan designs, our plans include benefits not normally found in other Cancer & Specified Disease policies including; Colony Stimulating Factor drugs, Self-Administered drugs and Intensive Care benefits.
These invaluable plans are offered through one of the world's most respected insurance companies and are yours to offer to your clients.
Commercial Auto
When vehicles are used in a business they should be covered under a commercial automobile policy. Vehicles used in a business have a higher liability exposure and a commercial automobile policy provides the coverage necessary to protect against this higher exposure as well as provide coverage while employees are driving commercial vehicles. If you are continuing to insure your commercial vehicles under a personal automobile policy, there may be many exclusions that eliminate coverage in the event a claim were to arise. It is important to properly insure your commercial autos when used in a business.
Contractors General Liability Insurance
Building contractors have unique liability needs such as construction defect exposures. They need a specialist who is wholly focused on the way the construction industry works. Contractors General Liability Insurance is specifically designed to accommodate the coverage and pricing needs of general contractors and remodelers, as well as a wide variety of subcontractors and artisans. Our underwriters have the flexibility to customize a policy for the unique business risks contractor's face, including blanket additional insured endorsements, waivers of subrogation and primary wording.
Dental / Vision
Leeds & York Insurance Services provides specialized services for insurers nationwide for the development of individual and small group Dental and Vision products, ASO Dental and Vision programs. In addition, we offer specialty Dental and Vision products designed and private labeled for associations or large employers.
Leeds & York's expertise in Network provider matching by geographical region results in maintaining freedom of choice for the insured while instituting the best possible claims cost management. Our access to national networks of Participating Provider Organizations allows us to build competitive Dental and Vision Products.
We strive to design plans that not only fit the market but maintain long-term success by offering plan flexibility, PPO Network analysis and quality insurers. Our specialists are always available to discuss your needs and make plan recommendations.
General Liability Insurance
Insurance designed to protect business owners and operators from a wide variety of liability exposures. Exposures could include liability arising from accidents resulting from the insured's premises or operations, products sold by the insured, operations completed by the insured, and contractual liability.
Group Life Insurance
We continue to see a shift in the Life Insurance marketplace to employers who are providing both Group Term Life Programs as well as Permanent Life Insurance Programs not traditionally marketed in the employee benefit environment. Leeds & York is your resource for both traditional Group Term Life as well as permanent coverage such as Group Universal Life. Call today to see how Leeds & York can help you meet your client's group life insurance needs.
Limited Benefit Medical Plans
One of the most prominent changes to emerge in the employee benefits field in the last few years has been the growth of Limited Benefit Medical Plans, often called Mini-Med Plans. These low-cost plans are designed to provide a basic level of benefits to assist employees and their dependents with medical expenses such as Doctor Visits, X-Ray and Lab Expenses, Accident Expenses and other benefits. Limited Benefit Medical Plans are not meant to offer the comprehensive protection found in traditional Major Medical Plans.
These Limited Benefit Medical Plans are typically provided on either an employer-subsidized or employee-paid basis to employees who do not qualify for their company major medical program. This lack of qualification can be the result of several factors such as lack of hours worked, 1099 status, employment classification or other reasons. These "entry level" benefit programs are the fastest growing segment of the employee benefit field and represent a significant improvement in the health insurance protection available to otherwise uninsured employees and their dependents.
Long Term Care
One of the largest un-funded liabilities facing our nation today is the rapidly growing need for Long Term Care services, both in the home and in Long Term Care facilities. Our population is aging dramatically - in fact, 20% of the population will be over age 65 by the year 2020. As the population grows older, the costs for Long Term Care are skyrocketing. Every day, people see their retirement dreams come tumbling down as a result of an unexpected Long Term Care incident.
Did you know ???
- One out of two people over the age of 65 will spend time in a nursing home, and that nearly one in four will spend a year or longer?
- Nursing home care costs $40,000 to $80,000 per year?
- That government funding options have many restrictions, and may require you to spend down your assets to qualify?
- 70% of singles and 50% of couples with one partner in a nursing home are impoverished within one year?
Long Term Care insurance is designed to help your clients maintain financial and personal independence. Leeds & York is pleased to partner with you in bringing long-term care solutions to your clients while providing you with the top compensation contracts available.
As an industry leader, we have carefully chosen carriers with stability, strength and commitment. We are proud of our reputation of providing the best training, service and administration.
Management Liability
- Directors & Officers Liability - Covers directors and officers of a company for negligent acts or omissions, and for misleading statements that result in suits against the company, often by shareholders. Directors and officers insurance policies usually contain two coverages: personal coverage for individual directors and officers who are not indemnified by the corporation for their legal expenses or judgments against them and some corporations are not required by their corporate or state charters to provide indemnification; and corporate reimbursement coverage for indemnifying directors and officers. Entity coverage for claims made specifically against the company may also be available.
- Employment Practices Liability - Liability insurance for employers that covers wrongful termination, discrimination, or sexual harassment toward the insured's employees or former employees.
Medical Plans
The cost of health care coverage is possibly the most critical component within the budgets of both individuals providing for their families and employers providing for their workforce.
Leeds & York is dedicated to providing our clients with health programs that not only meet the needs of the consumers but are also practical from a bottom line standpoint. Our goal is to construct medical programs utilizing components that contain risk, cost and utilization while providing best in class products to the policy holder.
Leeds & York offers a wide array of medical programs for both Employer Groups and Individuals and can help you to determine which programs work best for your individual circumstance.
Professional Liability
This coverage focuses on the failure to perform, financial loss and error or omission of the products or services sold. Additional coverage for breach of warranty, intellectual property, personal injury, security and cost of contract can be added. The primary reason for professional liability coverage is that a typical general liability insurance policy will only respond to a bodily injury, property damage, personal injury or advertising injury claim. The above mentioned professional services and products can cause claims without causing a bodily injury, property damage, personal injury or advertising injury.
Property Insurance/Equipment/Tools
Property insurance can be written to cover a building, all types of equipment and tools. Certain property policies will also provide coverage for the property that is not on site and/or continuously mobile.
Stop Loss / Insurance
Leeds & York operates as an independent agency in providing Specific and Aggregate Stop Loss Insurance coverage for self-funded employer health and welfare plans. These plans are underwritten for individual employer groups. We also underwrite pool and coalition group contracts and additionally provide quality markets for Provider Excess Loss Insurance and HMO Reinsurance. Provider Excess Loss Insurance provides physician and hospital providers with financial protection high volume or unexpected high dollar claim amounts. HMO Reinsurance provides a HMO with the same protection against unexpected high dollar claim amounts and unexpected high dollar claims.
Traditional Group Life Insurance Programs
We continue to see a shift in the Life Insurance marketplace to employers who are providing both Group Term Life Programs as well as Permanent Life Insurance Programs not traditionally marketed in the employee benefit environment. Leeds & York is your resource for both traditional Group Term Life as well as permanent coverage such as Group Universal Life. Call today to see how Leeds & York can help you meet your client's group life insurance needs.
Voluntary Group Term Life Insurance
One of today's most in-demand employee benefit programs is Voluntary Group Term Life Insurance that is: reasonably priced, easy to issue, has a high guarantee issue level and is portable. Leeds & York has worked with a nationally recognized, A+ rated company to provide a Voluntary Group Term Life Program that meets all these needs and will work for you! Call today for sample rates and marketing materials.
Voluntary Programs
Leeds & York offers the next evolution in comprehensive Pre-Need, Final Expense and Dread Disease programs. We enable producers to work with their clients in offering life insurance for final expense purposes and to protect them from various types of assignments, including Medicaid. These coverages pay in addition to all other insurances.
Workers' / Compensation Insurance
Insurance which covers work related injuries to employees, paid by the employers, as required by law. Some businesses don't understand the ramifications of not carrying Workers' / Compensation Insurance which can lead to hefty fines from the Department of Industrial Relations. It is important to buy Workers' / Compensation Insurance to not only protect your employees if they are hurt, but to also comply with state laws.
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