Insurance Programs of America

Insurance Programs of America (IPOA) is a leading developer of innovative programs, offering our insurance agency partners specialized coverage for niche property classes in emerging markets and growth industries.

Hotels Targeted for Data Breach

Author sburkey , 10/22/2014
Every business in every industry is at risk for data breach. In fact, nearly 80% of all companies in the United States have been a victim of data theft or loss in the last 24 months, according to a Trend Micro-sponsored Ponemon Institute study. Cyber criminals steal credit card numbers, bank account information, social security numbers, e-mail addresses, and other personally identifiable information, and the financial liability organizations face as a result of this theft can be devastating.

Hotels are a frequent target of data theft because of the amount of data they have stored on their customers and employees. In 2008, Wyndham Worldwide Corporation’s data center was breached by hackers who compromised over 600,000 accounts and accessed sensitive credit card information.

Our exclusive HotelPro offers a Data Breach option with our Employment Practices Liability Insurance. This is available through an exclusive arrangement with Beazley. We provide your clients with breach notifications, credit monitoring, forensic and legal assistance, and media claims, and the coverage includes a $100,000 PCI sublimit. Use our fast-track form to get a quick indication for EPLI insurance with Data Breach protection for your hotel clients.

Please visit our Data Breach & EPLI storefront on CompleteMarkets for more information, or call us directly at 877-653-4762. We look forward to serving you and protecting your clients.

Commercial Property Insurance for 13,000 Public Schools

Author sburkey , 10/15/2014
According to the National Center for Education Statistics, an estimated 49.8 million children will attend public elementary and secondary education facilities and an additional 5 million will attend private schools. Public education facilities employ approximately 3.1 million teachers in over 13 thousand public school districts. Public education facilities are growing, as are the risks involved in managing and operating them.

Our NationalPropertyPro addresses the needs of education facilities and provides a program to fit your clients’ needs. We write in all states, all construction classes and schedules up to $250 million. We have a capacity of $50 million per location for properties built after 1983. Our commercial property experts will deliver a superior product backed by the experience you need.

In addition to education facilities our commercial property program can also write these classes:

- Condominiums
- Health Clubs
- Hospitals
- Hotels
- Municipalities
- Offices
- Restaurants
- Retail
- Warehouses

Please visit our National Property Insurance Program storefront on CompleteMarkets for more information, or call us directly at 407-260-8200. We look forward to serving you and protecting your clients

8 Million Potential Risks for the Hospitality Industry

Author sburkey , 10/8/2014
Hotels are high risk businesses that need ample protection to reduce financial hardships or bankruptcy. According to the World Tourist Organization, a five star hotel should employ a minimum of two employees for every available room. The average five star hotel has around 250 rooms and employs about 500 individuals. As of 2012, more than 52,000 hotels and motels were operating in the United States with a total of five million guestrooms and an occupancy of 61.4%. This means over three million occupied rooms every day. If you assume that each employee and each occupied room is a potential risk, there are over 8 million potential risks every day for the hotel industry.

It is extremely important for your clients to be adequately protected by a company that specializes in their industry, and Insurance Programs of America knows hotels. Our exclusive hotel insurance program, HOTELPro, is available nationwide and offers agents a program designed for limited and full service hotels, including resorts, spas, and golf course properties. We will entertain all construction types, interior and exterior hotels, and capacities up to 50 million.

Please visit our Exclusive Hotel Insurance Program storefront on CompleteMarkets for more information, or call us directly at 407-260-8200. We look forward to serving you and protecting your clients.

IPOA Assisting Those In Need

Author sburkey , 10/2/2014
Assisted living facilities are available to seniors who need varying levels of support with their daily living activities. Many seniors in assisted living facilities are healthy and of sound mind and body, but they require medical supervision or some assistance with personal care. These facilities provide round-the-clock care, assistance, and security for seniors with the added benefit of maintaining privacy and independence.

Common services provided by an Assisted Living Facility are:

1. Daily meals
2. Housekeeping
3. Transportation
4. Security
5. Emergency calls
6. Health and Wellness programs
7. Laundry
8. And more..

Because assisted living facilities are vulnerable to numerous risks, it is important to provide proper coverage to your clients. Our SeniorLivingPro, offered nationwide and written through Lloyd’s of London, includes Property, Liability, Equipment Breakdown, and Umbrella coverage. We also offer in-house underwriting and a proactive claims management department. We can write up to $40 million per location with an umbrella limit of $25 million.

Please visit our SeniorLivingPro Insurance Program on CompleteMarkets for more information, or call us directly at 407-260-8200. We look forward to serving you and protecting your clients.

Restaurant Employers Protection

Author sburkey , 9/24/2014
Darden Restaurants, Inc. owns several chain restaurants, including Olive Garden, Longhorn Steakhouse, and Seasons 52. The company is currently in litigation with 54 named plaintiffs for allegedly neglecting to compensate tipped employees correct wages or overtime pay. In addition to these claims, additional lawsuits have been filed because of alleged retaliation. Currently, over 19,000 current and previous employees have joined the class action lawsuit. Depending on how the case develops, Darden Restaurants, Inc. could be liable for compensation for back wages and other expenses.

Restaurant owners are at high risk for lawsuits from employees, customers, and vendors. This is why providing the right coverage to your restaurant clients is invaluable. Insurance Programs of America offers a unique program specifically designed to protect your client’s assets. We offer your clients a personalized program through A+ rated carriers.

We specialize in:

•   Fast Food
•   Buffet
•   Casual Dining
•   Fine Dining
•   Franchise Restaurants
•   Family Dining
•   Drive-Thru

Insurance Programs of America can help insure all restaurant claims. We are committed to niche products and provide excellent service. Please visit our RestaurantPro Insurance Program here on CompleteMarkets for more information, or call us at 407-260-8200. We look forward to hearing from you!

Employers Covered!

Author sburkey , 9/17/2014
Employee terminations are one of the riskiest decisions an employer can make. Regardless of the reason behind the termination, employers are at risk of retaliation. Companies that hire employees “at will” can terminate the employment relationship without reason or warning, but this does not always protect employers from lawsuits or other retaliatory acts.

Employers are especially at risk when they decide to terminate the employment of a person who has high security access or even general access to information such as customer data, employee information, credit card numbers, etc. Over the last year, more and more organizations are paying out millions of dollars in damages due to data breach committed by both hackers and employees.

Data security is becoming increasingly important as companies move toward a more virtual record keeping process. Let us help you protect your clients when they need it most.

Our underwriters specialize in:

•   Breach notification
•   Credit monitoring services
•   Breach response coverage
•   Bureau credit monitoring services
•   Crisis management

Insurance Programs of America can help insure all employment-related claims along with any breach risks. Please visit our Data Breach & EPLI Insurance Program here on CompleteMarkets for more information, or call us at 407-260-8200. We look forward to hearing from you!

Is Your Property Protected?

Author sburkey , 9/10/2014
On August 24th, a 6.0 magnitude earthquake hit Northern California causing more than $50 million in damage to local businesses. It was reported that 30 water mains were broken in Napa, California, one of the towns most severely affected by the earthquake. 

If an earthquake, tornado or flood strikes, are your clients adequately protected? Do they have the proper coverage needed to make costly repairs?
Speak with your clients about reviewing their commercial property coverage to ensure they are covered when disaster strikes. Insurance Programs of America offers National PropertyPro, a comprehensive insurance package designed to meet the needs of large property values. We offer schedules up to $250 million for all construction classes (max $50 million per location), and we have flood and earthquake coverage available, as well. 

We target properties such as:

•   Condominiums
•   Hospitals
•   Hotels
•   Offices
•   Restaurants
•   Retail
•   And more!

We work with several carriers with A+ ratings for nationwide availability. Visit our PropertyPro Insurance Program here on CompleteMarkets for more information, or call us at 407-260-8200. We look forward to hearing from you!

Senior Facilities

Author sburkey , 9/4/2014
Senior living care may involve assisted residential care or placement in an adult group home or alternative care facility. Whether seniors are choosing a residence for themselves or adult children are searching for a place for their loved ones, there are a range of options when it comes to retirement living. In order for senior living facilities to succeed they need to be protected against all risks. This allows your client to provide the security and comfort necessary for seniors and their loved ones. We can offer your client the best security for their facility.

Insurance Programs of America provides an exceptional program that covers condos, townhouses, gated communities, and apartment complexes. This program offers several markets to comprehensively insure senior living properties. Please visit our SeniorPro Insurance Program on CompleteMarkets for more information, or call us directly at 407-260-8200. We look forward to serving you and protecting your clients.

The Hotel Experince

Author sburkey , 8/27/2014
Family vacations, business trips, and honeymoons all have one thing in common – accommodating their guests in a place unfamiliar to them. These trips involve extensive planning, and while finding a hotel is easy, finding the right hotel is no walk in the park. Every guest is looking for a hospitable atmosphere during their stay, and that is not always the case.

Before a hotel can focus on their customer’s needs, they must first face the many risks in the hospitality industry unbeknownst to their customers. Hotels protected by our program know that they are protected. This gives them to freedom to focus on their customers’ needs, rather than the details of running a business, like insurance.

Insurance Programs of America provides national insurance for all hotels, including course properties and resorts and spas – both admitted and non-admitted. We offer a program specifically designed for limited and full service hotels. You can visit our HotelPro Insurance Program on CompleteMarkets for more information, or you can call us directly at 407-260-8200. Our expertise in hotel insurance is unmatched! We look forward to hearing from you.

Where are we eating?

Author sburkey , 8/20/2014

From fast food to fine dining, everyone enjoys eating out.  Having great service can make the experience that much better. However, we, as customers, rarely get to see what happens behind the “Employees Only” sign. There are many risks that come with owning a restaurant, and it is essential that your client has a policy designed for their specific needs. This gives them peace of mind and an opportunity to focus on giving their customers the best experience possible.  We offer, but are not limited to, commercial property and liability insurance for your client’s restaurant.

Insurance Programs of America understands the many exposures that can threaten your client’s business establishment. We can help you design a personalized program that fits your client’s business operation. You can visit our RestaurantPro Insurance Program here on CompleteMarkets for more information, or you can contact us directly at 407-260-8200. Our programs are offered nationally to better suit all your clients. We look forward to hearing from you.