Search CompleteMarkets

...plan options that includes major services like crowns, implants, dentures, and...ceptance •Implants and Major Services Covered •Three Cleanings P...

The most Powerful distribution platform. Proven. Effective. We know that every client of ours is unique, with unique goals, challenges, strengths and weaknesses. Once we get to know a client, we go to great lengths to customize our approach to achieve maximum results. We employ sophisticated strategies surrounding - Search Engine Optimization (Storefronts) Email Marketing Social Media Marketing Review/Testimonial Generation (Referrals) Content/Value Marketing We work 'with' our clients, not 'for' our clients. We cannot work with everyone, or create successful strategies for everyone. For clients that do take our expert guidance and feedback we generate unprecedented success.

...diate and critical need for your services, insurance and/or financial products...

... Also covered are notary public services, expert witness and financial planning related to covered professional services. Easy Online Account Management On...anguage. Non-insurance products and services may be provided by independent th...

... Paging services Printers/printing firms (non-financial) Public rel...lication and a clear description of services provided. Additional documentatio...

Free Spirit Prescription Discount Plan Welcome to the Spirit Dental & Vision Prescription Discount Card. Your entire family will truly enjoy the savings which range from 15 to 65% for each prescription filled and overall savings of up to 40% annually. In 2009 our cardholders saved an overall average of 39.5% on all medications. The card is accepted at over 59,000 pharmacies including all major chain pharmacies and 95% of the independent pharmacies in the U.S and its territories. The Spirit Dental & Vision Prescription Discount Card has many scenarios where it can lower your drug costs. The uninsured and the under-insured can print off a card to lower their costs. The Medicare patient that reaches their "donut hole" can use the card for significant savings on generics which now receive minimal discounts. Fully insured individuals can use the card for medications that are not covered by their insurance plan...such as lifestyle drugs like Viagra or Cialis...or fertility medications. The Spirit Dental & Vision Prescription Discount Card has five other additional discount benefits that include: dental, vision, hearing, diabetic supply, and lab & imaging at substantially discounted prices. These can be accessed by anybody that don't have these benefits included in their health insurance plan.

The U.S. Risk Energy Insurance Program is built for land-based oil and gas businesses operating across the United States. Offered through U.S. Risk Insurance Group, Inc.’s specialized Energy Underwriting Division, this program gives agents flexible, market-accessible solutions for a variety of energy operations. With a focused underwriting team and placement access to more than 10 specialty markets, U.S. Risk helps agents structure terms for complex or hard-to-place energy accounts. Ideal Accounts and Appetite This program targets a wide range of land-based energy risks, including: Operators and non-operators Drilling contractors Well servicing contractors Other supporting oilfield service providers Typical fits include single-state contractors up to multi-state service firms. The program is focused on conventional oilfield exposures rather than offshore, pipeline-only operations, or upstream companies with highly unusual pollution histories. Coverage Highlights and Advantages U.S. Risk provides core liability protections commonly required by owners and operators: General Liability: Primary limits of $1,000,000 per occurrence / $2,000,000 aggregate Umbrella / Excess Liability: Up to $5,000,000, with access to additional excess capacity up to $10,000,000 Automobile Liability: $1,000,000 combined single limit Coverage is placed on a Surplus Lines basis to allow tailored terms, specialized forms, and flexible pricing for the unique exposures energy accounts present. Underwriting Notes and Market Access As a Managing General Underwriter (MGU), U.S. Risk combines dedicated underwriting expertise with access to more than 10 specialty markets that write energy business. Underwriters work directly with agents to evaluate operations, loss history, controls, and contract requirements to find the best market fit and structure appropriate limits and endorsements. Typical underwriting considerations include operational scope (drilling vs. service), distance between sites, equipment exposure, drivers and auto exposure, and safety programs. Accounts with significant pollution history, large offshore exposure, or unusual contractual liabilities may require referral or alternate markets. Territories and Availability The Energy Insurance Program is available nationwide in most states, including TX, OK, CO, LA, ND, and many others. U.S. Risk writes business in all 50 states plus Washington, D.C., making this a strong option for clients with multi-state operations. Why Work With U.S. Risk Insurance Group, Inc.? U.S. Risk offers niche energy underwriting backed by: Specialized underwriters who understand oil and gas operational exposures Access to a broad panel of over 10 markets for competitive placement options Flexible Surplus Lines capacity to craft terms for complex risks Nationwide availability and experience placing land-based energy accounts If you’re an agent placing contractors, operators, or other oilfield service providers, U.S. Risk provides market access and underwriting support to get accounts bound. Example scenarios you might place here: A Texas-based drilling contractor seeking GL and auto limits to meet a landowner contract across multiple counties. A regional well servicing company with operations in three states that needs a coordinated surplus lines placement and excess capacity. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?The program fits land-based oil and gas operators, drilling contractors, well servicing firms, and related service providers with conventional onshore exposures. Is this program available in my state?Yes. The Energy Insurance Program is available in most U.S. states, including TX, OK, ND, LA, CO, and many others. U.S. Risk writes in all 50 states and Washington, D.C. What coverages are available under this program?Available coverages include General Liability, Umbrella/Excess Liability, and Automobile Liability, all typically written on a Surplus Lines basis to allow flexible terms and forms. Can I access multiple markets through U.S. Risk?Yes. U.S. Risk has access to over 10 specialty markets that focus on energy risks, giving agents more options for placing business and structuring excess capacity. Who handles the underwriting for this program?U.S. Risk's dedicated Energy Underwriting Division handles underwriting, offering sector-specific expertise and a responsive placement process for energy accounts.

U.S. Risk Insurance Group, Inc., through its partnership with an A-rated carrier, offers a competitive Workers Compensation solution tailored for janitorial service providers. This program is designed to support agents and brokers seeking reliable and flexible coverage options for their janitorial clients, including new ventures and accounts transitioning from Professional Employer Organizations (PEOs). Ideal Accounts and Appetite This program targets a wide range of janitorial service operations, including commercial cleaning companies, office maintenance crews, and building service contractors. Eligible accounts include: New ventures with no prior coverage Businesses exiting or carving out from PEOs Operations with 24-hour shift work (when no other exposures exist) Accounts with domestic, aviation, or federal exposures are ineligible, as are those with a history of bankruptcy or tax liens. Coverage Highlights and Advantages Admitted Workers Compensation coverage available in all applicable states Guaranteed cost and dividend plan options (dividend plans available in Florida) Access to online loss runs for efficient claims tracking No maximum on experience mods Flexible payment options including UPAY-As-You-Go, direct billing, and monthly self-reporting with a 5% non-working deposit Group transportation is permitted with a cap of five employees per vehicle. Height and depth exposures are limited to no more than 20 feet or two stories above ground and no more than 6 feet below ground. Underwriting Notes and Minimum Premiums Minimum premium of $3,000; no maximum premium limit Accounts with a lapse in coverage must be referred to underwriting PEO carve-outs require loss history, a signed PEO/client contract with an amendment, and a labor endorsement Whether your client is a startup janitorial business or an established operator transitioning from a PEO, this program is built to provide the right structure and support for their Workers Compensation needs. Territories and Availability This program is available in most U.S. states, including but not limited to TX, FL, CA, NY, and IL. Coverage is admitted in all available states. However, California and Oklahoma are limited to incidental exposures and cannot be governing states. Why Work With U.S. Risk Insurance Group? As a Managing General Agency with deep expertise in niche programs, U.S. Risk brings underwriting flexibility and market access that can help you place a wide variety of janitorial risks. With responsive service, competitive pricing structures, and tools like online loss run access and pay-as-you-go billing, U.S. Risk is a reliable partner for growing your Workers Compensation book in this sector. Frequently Asked Questions What types of accounts are a good fit for this program?Janitorial service businesses, including new ventures and those coming out of PEO arrangements, are ideal candidates. Operations must meet underwriting guidelines regarding height, depth, and employee transport limits. Are new janitorial businesses eligible?Yes, new ventures are eligible for coverage under this program, provided they meet other underwriting criteria. What documentation is required for clients exiting a PEO?You’ll need to provide the client’s loss history, a signed PEO/client contract and amendment, and a labor endorsement to be considered for coverage. Is 24-hour shift work allowed?Yes, 24-hour shift work is eligible as long as it is the only exposure. Other high-risk exposures may disqualify the account. Which states have restrictions?California and Oklahoma are limited to incidental exposures only and cannot be the governing state for the policy. Need help placing an account? Connect with a market specialist.

... Parcel and document delivery services Container haulers and building m...

...rrors & omissions for technology services and software Cyber liability and d...MSP expanding into managed security services that requires professional liabil...