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Experience We have been providing quality insurance for all types of rural and farm business including Custom Harvest insurance for over 25 years. We are an Agribusiness firm and no risk is to small or to large. We insure long haul trucking, cargo, home, auto,Farm Owners, Feed Mill and Elevator coverages. We also are an excellent source for life insurance, health insurance, annuities, IRA Accounts. Knowledgeable Staff Every person in our office knows how to serve your account. Competitive Rate We strive to provide quality insurance at reasonable rates. Availability We can be reached 24/7 via telephone, fax, E-mail, or our website. We want to be there for you. Meeting Your Needs We cater to the Agri Business at every level of production and service. forage, We insure Custom Harvesters of all small grain and cotton and you will get the same attention if you run 1 or 20 machines. If you are a farm owner we can insure your home, auto, crops, and machinery. If you own an Elevator, or are involved in agribusiness of any kind and we can help you with your risk management needs. We are able to do all types of confined animal insurance, hogs, feed lots, etc. . We have great irrigation rates for center pivots. If you need any agri business protection check us out. Customer Support We sponsor and attend safety meetings to provide a safe worksite. Rodgers & Associates Team Rodgers & Associates is committed to being one of the premier independent insurance agencies in Phillipsburg, Kansas. Our commitment is to provide customers with the best insurance value and service available, while maintaining the highest ethical standards and credibility with our clients, carriers, and the public. From Phillipsburg, Kansas we serve clients in North Dakota, South Dakota, Minnesota, Iowa, Nebraska, Oklahoma, Texas, Tennessee, Missouri and Colorado. Rodgers & Associates is a general independent insurance agency with a broad range of Commercial, Personal, Life, and Health products. We’ve aligned ourselves with some of the finest carriers to deliver these products to you. Established in the summer of 1970 as a one-man operation, Rodgers & Associates has grown to one of the premier insurance agencies in the Great Plains States. From our location in Phillipsburg, Kansas we serve middle America. Rodgers & Associates is currently owned and operated as a corporation and has over three decades of service history.

Employee Benefits Liability Insurance, Anyone?

Kimberly Beach Kimberly Beach , 9/14/2016
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Because you offer your employees insurance-related benefits, failure to administer these programs properly can leave you vulnerable to litigation. Let's say a new employee signs up for the company health plan, but isn't enrolled due to a clerical error by the HR department. A month later, after the employee suffers a serious illness and learns that she has no health insurance, she sues your business and the HR worker to reimburse her for her medical bills.

Employee Benefits Liability (EBL) insurance to the rescue! This coverage will protect you and your workers you against legal liability for acts, errors, or omission in the administration of such employee benefits as Life, Accident, Dental, and Medical insurance; pension, profit sharing, stock ownership and savings, and other plans; Social Security, Workers Compensation, Disability, and unemployment benefits; and tuition assistance, maternity leave etc.

EBL coverage, often written as an endorsement to your General Liability policy, usually excludes claims resulting from poor financial advice or predictions of performance (for example, if a benefits worker tells an employee that the company's 401(k) will generate a 100% annual return and the employee sues the worker because the prediction didn't pan out).

Types of acts covered include: 1) describing benefit plans and eligibility rules to employees, other eligible family members, and beneficiaries; 2) maintaining files and records (whether electronic or paper) related to employee benefits; and 3) enrolling, maintaining , and terminating employees, eligible family members, or beneficiaries in plans.

The need for EBL varies depending on your employee head count and the number of benefits provided. We'd be happy to advise you on whether this coverage makes sense for your business - and, if it does - tailor a policy for you.