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...designed to help agents place Food Banks and Soup Kitchens. The Food Banks/Soup Kitchens Insurance program is bu... distribution operations such as food banks, soup kitchens, nutrition centers, kosher food banks, and similar programs that rely on...

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Health Savings Accounts Protection for the inevitable rainy day. With health insurance premiums ever on the rise, employers and employees must cope with higher co-payments, higher deductibles and increased provider restrictions. Many employers are now exploring alternatives to standard medical care that combine high-deductible health plans (HDHP) with Health Savings Accounts (HSA) to ease this burden. If you’re offering a HDHP to your employees, a HSA just might be the perfect solution for you. A HSA makes health coverage more like insurance – what health care coverage should be. HSAs can be funded by either an employee or an employer. The savings roll over into subsequent years, earning interest. This low-cost, tax-free alternative to traditional insurance is the biggest change to health policy in decades. Unexpected sickness or injury is never a part of your employees’ plan, but paying for it can be. Seize the HSA opportunity. AmeriFlex has partnered with First Horizon Msaver, one of the nations premier HSA experts, to provide our customers with the best possible Health Savings Account financial product and services. For over 140 years, First Horizon has been providing a wide range of financial products and services. First Horizon Msaver, founded in 1996, was first-to-market with Medical Savings Accounts (MSAs), now Health Savings Accounts (HSAs), and is the oldest, most recognized and most respected HSA administrator in the country. First Horizon Bank, a division of First Tennessee Bank National Association, is the custodian for the AmeriFlex HSA program. For more information regarding Health Savings Accounts, please review the documents and links to the left or contact AmeriFlex's Marketing Department at 888-868-3539, ext. 112 or [email protected].

...es. If your client is working with banks, mortgage servicers, or asset managem...oval on behalf of mortgage lenders or banks. Can I submit just General Liabili...

...rs. Stronger financing position: Banks often view insured receivables as enh...

Monarch Partners Group LLC (MPG) offers a specialized Healthcare related Workers' Compensation Insurance program designed to meet the unique needs of high-risk and hard-to-place accounts across the healthcare sector. With over 25 years of experience delivering both standard and alternative workers' comp solutions nationwide, MPG is a trusted wholesale broker for agents and brokers seeking competitive, flexible options for complex risks. Ideal Accounts and Appetite MPG focuses on healthcare industry risks that are often challenging to place due to factors like high Xmods, elevated class codes, and larger premium thresholds. This includes operations such as home health agencies, nursing homes, outpatient clinics, rehab centers, and other healthcare providers with minimum premiums of $50,000 or more. Risks that benefit most from MPG’s programs typically include: Accounts with experience mods above industry averages Healthcare businesses with prior claims or loss history Firms operating in multiple states New ventures and businesses with lapsed coverage If you have a client operating a multi-location home health agency with a history of workers’ comp claims and a high Xmod, this program could provide a competitive and flexible alternative to standard market options. Coverage Highlights and Advantages One of MPG’s standout offerings is the Payroll Opt-Out Work Comp Program (POWC), designed for larger healthcare risks with a minimum premium of $100,000. This unique structure allows insureds to: Opt out of payroll and payroll tax services while maintaining WC coverage Retain their own payroll systems, tax IDs, and bank accounts Leverage MPG’s master WC policy and favorable Xmod Pay premiums on a “pay-as-you-go” basis for improved cash flow Avoid year-end premium audits Additional program features include: Access to “A” rated carriers Broad class code acceptance Guaranteed cost and deductible options No Xmod or loss ratio limits Acceptance of midterm and lapse-in-coverage accounts HR support, payroll funding, and tailored risk management services Underwriting Notes and Submission Requirements To facilitate quick quote turnaround, MPG offers in-house underwriting on many submissions. Standard submission requirements include: ACORD 130 application Three years of currently valued loss runs (preferably summarized) Current policy declaration or rating pages Xmod worksheet Any additional information that helps explain the risk Territories and Availability MPG’s healthcare workers’ compensation solutions are available in all 50 states, including DC. Whether your client is in California, Texas, Florida, or New York, MPG can work with you to find the right fit. Why Work With Monarch Partners Group MPG brings deep expertise in placing high-risk healthcare accounts and offers flexible, tailored programs that other markets may not accommodate. With access to a broad range of carriers, in-house underwriting, and a focus on agent support, MPG is a strong partner for brokers navigating complex workers’ comp placements. For more information, visit the Monarch Partners Group LLC company profile or explore the Healthcare related Workers' Compensation Insurance program. Frequently Asked Questions What types of accounts are a good fit for this program?Healthcare operations with high-risk profiles, high Xmods, prior losses, or complex payroll needs—especially those with premiums of $50,000 or more—are ideal candidates. Is this program available in all states?Yes, MPG's healthcare workers' comp solutions are available in all 50 states, including Washington D.C. What is the minimum premium requirement?The minimum premium is $50,000 for standard programs and $100,000 for the Payroll Opt-Out Work Comp Program (POWC). Can clients process their own payroll under this program?Yes, the POWC structure allows clients to use their own payroll systems and bank accounts while maintaining WC coverage through MPG’s master policy. Are new ventures or accounts with coverage lapses eligible?Yes, MPG considers new ventures and accounts with prior coverage lapses or midterm submissions. Need help placing an account? Connect with a market specialist.

Monarch Partners Group LLC (MPG) offers a specialized Healthcare related Workers' Compensation Insurance program designed to meet the unique needs of high-risk and hard-to-place accounts across the healthcare sector. With over 25 years of experience delivering both standard and alternative workers' comp solutions nationwide, MPG is a trusted wholesale broker for agents and brokers seeking competitive, flexible options for complex risks. Ideal Accounts and Appetite MPG focuses on healthcare industry risks that are often challenging to place due to factors like high Xmods, elevated class codes, and larger premium thresholds. This includes operations such as home health agencies, nursing homes, outpatient clinics, rehab centers, and other healthcare providers with minimum premiums of $50,000 or more. Risks that benefit most from MPG’s programs typically include: Accounts with experience mods above industry averages Healthcare businesses with prior claims or loss history Firms operating in multiple states New ventures and businesses with lapsed coverage If you have a client operating a multi-location home health agency with a history of workers’ comp claims and a high Xmod, this program could provide a competitive and flexible alternative to standard market options. Coverage Highlights and Advantages One of MPG’s standout offerings is the Payroll Opt-Out Work Comp Program (POWC), designed for larger healthcare risks with a minimum premium of $100,000. This unique structure allows insureds to: Opt out of payroll and payroll tax services while maintaining WC coverage Retain their own payroll systems, tax IDs, and bank accounts Leverage MPG’s master WC policy and favorable Xmod Pay premiums on a “pay-as-you-go” basis for improved cash flow Avoid year-end premium audits Additional program features include: Access to “A” rated carriers Broad class code acceptance Guaranteed cost and deductible options No Xmod or loss ratio limits Acceptance of midterm and lapse-in-coverage accounts HR support, payroll funding, and tailored risk management services Underwriting Notes and Submission Requirements To facilitate quick quote turnaround, MPG offers in-house underwriting on many submissions. Standard submission requirements include: ACORD 130 application Three years of currently valued loss runs (preferably summarized) Current policy declaration or rating pages Xmod worksheet Any additional information that helps explain the risk Territories and Availability MPG’s healthcare workers’ compensation solutions are available in all 50 states, including DC. Whether your client is in California, Texas, Florida, or New York, MPG can work with you to find the right fit. Why Work With Monarch Partners Group MPG brings deep expertise in placing high-risk healthcare accounts and offers flexible, tailored programs that other markets may not accommodate. With access to a broad range of carriers, in-house underwriting, and a focus on agent support, MPG is a strong partner for brokers navigating complex workers’ comp placements. For more information, visit the Monarch Partners Group LLC company profile or explore the Healthcare related Workers' Compensation Insurance program. Frequently Asked Questions What types of accounts are a good fit for this program?Healthcare operations with high-risk profiles, high Xmods, prior losses, or complex payroll needs—especially those with premiums of $50,000 or more—are ideal candidates. Is this program available in all states?Yes, MPG's healthcare workers' comp solutions are available in all 50 states, including Washington D.C. What is the minimum premium requirement?The minimum premium is $50,000 for standard programs and $100,000 for the Payroll Opt-Out Work Comp Program (POWC). Can clients process their own payroll under this program?Yes, the POWC structure allows clients to use their own payroll systems and bank accounts while maintaining WC coverage through MPG’s master policy. Are new ventures or accounts with coverage lapses eligible?Yes, MPG considers new ventures and accounts with prior coverage lapses or midterm submissions. Need help placing an account? Connect with a market specialist.