The Big "I" Professional Liability Program provided by Swiss Re and underwritten by Westport Insurance Corporation (rated "A" bt A.M. Best), has grown into the largest insurance agents E&O program in the nation. The market has changed over time and agents continue to depend on their E&O program for stability. Currently, 60 percent of IIABA member agencies participate in the program, placing their coverage for an average of ten years.
A commercial umbrella underwritten by Swiss Re (rated A+ by A.M. Best) is now available exclusively to Big "I" members.
Designed in collaboration with the IIABA to meet the needs of independent insurance agents
Broad coverage over primary casualty lines, including E&O
Limits available up to $10 million over underlying primary E&O policy
May be written over a variety of E&O carriers
If you are interested in this program, or an IIAK member and would like to see if you qualify for this program, please contact Kristie Weyer, at toll free 1-866-426-4425 or email firstname.lastname@example.org.
Anthem Blue Cross/Blue Shield Group Health Program
IIAK has an excellent group health insurance plan for its members through Anthem Blue Cross and Blue Shield. This program has enjoyed good experience and competitive rates and many levels to choose from. The Anthem Blue Vision - Full Service 37 is now included in the plan. There must be at least 2 eligible members in order to apply.
For a quote on the plans please contact Joy Holder or complete the following forms and return to email@example.com
Employment Practices & Discrimination Liability Program
Is your current coverage inadequate? Or worse yet--you have none at all! Today, the rules of the game have changed. If you've been lucky until now consider this: The number of sexual harassment complaints alone has more than doubled from 6,000 in 1991 to more than 15,000 in 1995. In monetary terms, this represents over $91 million paid to claimants of sexual harassment cases.*
As an employer you need protection. Protection IIAK and Westport Insurance Company can provide both you and your clients through our Employment Practices and Discrimination Liability (EPL) Policy. Through our EPL policy you are provided a defense and insured for damages caused by covered wrongful employment practices which include:
failure to employ/promote
equal pay violations
breach of employment contract
wrongful deprivation of career
invasion of privacy
wrongful infliction of emotional distress
You're also covered for employment related acts of discrimination. This coverage extends to acts that pertain to an employee's:
status as an individual with disability
sexual orientation or preference
national origin disability
To reduce the organization's exposure to costly employment claims and litigation, ERC EPL policyholders also receive the Smart Risk ManagementTM program for the first year. The Smart Risk ManagementTM program prepares employers to address and manage workplace risk and wrongdoing. The program includes videos, workbooks, checklists and quizzes that help train front-line managers and supervisors to:
build defensible employment files,
understand the proper way to evaluate, reprimand and terminate employees and,
promptly identify and manage workplace risk.
The Smart Risk ManagementTM program also provides sample personnel forms and updated handbook policies.
Protect yourself. Protect your business. Protect your clients.
Up to $10,000 defense coverage for American with Disabilities Act (ADA)--also available by endorsement.
Don't play games with your future or your clients' future--connect with a winner--ERC has an AM Best rating of A++ and is an admitted carrier--which eliminates the need for surplus lines filings and taxes. This protection is available in most states with liability options of $100,000 to to $5,000,000 and deductible options of $5,000 up to $50,000. All this with defense coverage within limits.
Downloads and Links
Our new rates and coverages are more than competitive than ever. If you are interested in receiving a premium indication, complete the application below and send it to:
Independent Insurance Agent of Kentucky
P.O. Box 436689
Louisville, KY 40253-6689
We’d like to introduce a new product available exclusively to IIABA members called the Big “I” Virtual Risk Consultant. The VRC can transform the way your agency serves its customers. The VRC is a web-based resource providing comprehensive tools that will improve the knowledge and professionalism of agency staff, creating opportunities for revenue growth. For more details and to purchase, visit www.iiaba.net/VRC. To see the VRC in action, click here to experience a limited demo.
Life & Disability Program underwritten by Lincoln Financial
2x annual earnings to a maximum of $200,000 2x annual earnings to a maximum of $100,000 $50,000
All Group Term Life Face Value Amounts are Guaranteed
Supplemental Term Life
Employee Maximum / Guaranteed Issue Amount Spouse Maximum / Guaranteed Issue Amount Dependent Child Benefit Amount
$150,000 $30,000 $10,000/child
Group Long Term Disability
Benefits Elimination Period Executive Benefit Amount
Employee Benefit Amount
Benefit PeriodTAX FREE BENEFIT (optional)
Benefits will begin after 90 consecutive days of disability. Plan pays 60% of your pre-disabilityearnings, to a maximum of $12,000 / monthly. Plan pays 60% of your pre-disability earnings, to a maximum of $10,000 / monthly. Benefits are payable up to normal social security retirement age. Benefits are payable up to normal social security retirement age.
Group Short Term Disability
Benefits Elimination Period
Employee Benefit Amount Benefit Period</p%
Independent Insurance Agents of Kentucky, Inc. E-mail: firstname.lastname@example.org
13265 O'Bannon Station Way, Louisville, KY 40223 Toll Free: 866-426-4425 Phone: 502-245-5432 Fax: 502-245-5750