Medical Office
 This
coverage is designed just for medical offices owners. At no
extra cost, it includes many important features that more
general coverage overlooks, including our unique Medical Office
Endorsement. This extends coverage on your professional equipment
to include loss by earthquake, volcanic eruption or flood,
while in the US or Canada. Professional Liability is also
available. Our Medical Office Endorsement extends coverage
for your medical, surgical or dental equipment, supplies and
related property. Also includes similar property of others
while in your possession.
Top of Page
Landscape Contractors
 This
program provides extra coverages to fit your particular needs
that other standard policies overlook. It gives you the extra
service you need to help you protect your business. We offer
this special program because your business faces many hazards.
Whether it is a damaged retaining wall or a stolen tool, we
can protect you. Coverage can also be tailored to protect
your buildings, loss of business income and losses due to
crime. We can even protect you with employee dishonesty coverage.
Top of Page
Printers
 This
coverage is designed just for printers. It includes many important
features that more general coverage policies overlook. Includes:
Printers Property Extension Endorsement at no extra cost,
we cover plates, films, negatives, artwork and other printer
property. Coverage includes marring and scratching of plates
that belong to others but are on your premises. Printers Errors
and Omissions Coverage, unlike many carriers that write this
coverage we don't require a deductible. And we don't write
it on a "claims made" basis.
Top of Page
Funeral Director
 This
coverage is designed just for Funeral Directors. It includes
many important features that more general coverage overlooks.
Includes: Funeral Directors Property such as chairs, dollies,
lifting equipment and other items are covered for up to $25,000
off site. Property of Others, customer property, including
items that are part of a viewing, is included in Business
Personal Property without regard to your legal liability.
Optional: Funeral Directors Professional Liability Coverage
which covers you and your employees for liability arising
out of your professional acts. It also covers your liability
for damage to visitors' autos as a result or parking or a
procession to a cemetery, with a limit of $25,000 per occurrence
with a $500 deductible.
Top of Page
Styling Salon Owners
 This
coverage is designed just for Styling Salon Owners. It includes
many important features that more general coverage overlooks.
At no extra cost, it includes many important features that
more general coverage overlooks. Our optional Professional
Liability Coverage covers claims due to hair cutting, styling
or trimming and claims due to permanents, tinting, bleaching
or other similiar services. We even protect against claims
that might arise from the unaltered hair care products you
sell. Coverage extends, up to $250 limit, to damage to customers'
property that is left with you. We cover you and the stylists
renting booths from you. We also cover manicurists who are
part of the business.
Top of Page
Barber Shop Owners
 This
coverage is designed just for barber shop owners. At no extra
cost, it includes many important features that more general
coverage overlooks. Our optional Professional Liability Coverage
covers claims due to hair cutting, styling or trimming or
other services you provide. We cover you and barbers who rent
booths from you. Coverage even extends to damage to customers'
property that is left with you, up to $250.
Top of Page
Personal Articles Insurance
 With
the Personal Property Endorsement, you select the amount needed
to properly protect your higher valued personal items. Also,
in some cases, you can group like items together, covering
them under a single, "blanket" limit of coverage for that
particular group. Items such as: Bicycles, Jewelry, Furs,
Stamps, Collections, Fine Arts, Silverware, Sports Equipment,
Musical Instruments, Golf Equipment, Recreational Vehicles,
Wedding Gifts, Cameras and Equipment (Non-Commercial), Coin
Collections, Misc Items.
Top of Page
Flood Plan
 The
Preferred Risk Policy (PRP) is designed to insure homes which
are located outside of special flood hazard areas. Building
and contents coverage is available for 1-4 family homes in
B, C and X zones which have a limited history of loss from
floods.
Top of Page
Home Business Coverage
 In
addition to enjoying your independence and the world's shortest
commute, you no doubt have much in common with millions of
other entrepreneurs of the '90s who have chosen to earn their
living at home. Your probably have a desk, one or more computers,
a fax machine, other office equipment and supplies. We hope
you also have plenty of clients or customers. What you probably
dont' have - but really need - is insurance to cover your
business exposures. It may ome as a surprise, but most homeowners
policies severely limit coverage for business property, and
specifically exclude coverage for business liabilities. Fortunately,
there's no need to purchase a separate business policy. All
you need is a low cost endorsement that can easily be added
to your current policy.
Top of Page
Collector Car
 Coverage
is available for all types of collectible cars, Antiques to
Muscle Cars to todays high tech off the line sports cars.
Age of the car does not matter. If you have had it for years
or just picked it up from the dealership yesterday, we will
insure your "Baby", much cheaper than the regular insurance
rates. We even have programs for Street and Custom Rods.
Top of Page
Recreational Products
 Along
with the fun and excitement of owning a mini-jet boat, motorcycle,
ATV or other recreational product, there is risk. Without
the proper protection, you could be putting your home, your
savings, even your lifestyle in jeopardy whenever you operate
your vehicle. We offer policies that can help you manage your
risk so you can relax and have fun with coverages' that include:
* Liability
* Physical Damage, which includes:
Collision
Other than Collision
Medical Payments Coverage
Accessory Coverage
Trailer Coverage
Top of Page
Life Insurance Plans
 As
you already know, buying life insurance can be complex and
confusing. There are many different products with competing
costs and goals for the purchasers. Leonard-O'Neill Group
representatives can help you through the complex array of
products to find the one that best matches your goals and
needs. When reviewing your current budget, the lower cost
of term insurance may make it more appealing than permanent
coverage. While term insurance provides the needed protection,
and may be appropriate for some people, for others, it can
only serve as a short term solution.
The Leonard-O'Neill Group
can provide whole life insurance designed to achieve long
term goals by providing lifetime coverage. Plus, permanent
insurance also allows you to accumulate cash value from your
policy that can be borrowed or withdrawn. You can accumulate
any dividends that are declared and use them to help pay future
premiums, purchase additional coverage or surrender them for
cash. Quite often, cash value in life insurance policies may
be used for college education, emergency funds or to expand
a growing business. The values in your policy accumulate on
a tax-deferred basis, helping you build a substantial retirement
income. In the event that you later become uninsurable, you'll
have a solid policy in place providing protection all for
a very affordable cost. Top of Page
Janitorial Services
 This
program provides extra coverages to fit your particular needs
that other standard policies overlook. It gives you the extra
service you need. We offer
this special program because your business faces many hazards.
Whether it is a damaged retaining wall or a stolen tool, we
can protect you. Coverage can also be tailored to protect
your buildings, loss of business income and losses due to
crime. We can even protect you with employee dishonesty coverage.
Top of Page
Retirement Plans
 Simplified
IRA & 401k Retirement Plans - We can help you establish a
way for your employees to save for their retirement on a pre-tax
basis without a requirement by the employer to contribute
for the employee. The employer contribution requirement is
discretionary with two choices of contribution. The employer
contribution can be setup on a vesting schedule requiring
the employee to work a certain amount of time before the employers
contribution is fully vested for use at retirement or termination.
These plans can provide a valuable way to attract and retain
quality employees. You can setup a plan individually or with
employees with low setup and administration fees. Funding
is Life Insurance products or Mutual Funds.
Top of Page
Artisan Contractors
 This
program provides extra coverages to fit your particular needs
that other standard policies overlook. It also gives you the
extra service you need to help you protect your business.
We offer special Artisan Contractors program because your
business faces many hazards. Whether is is a damaged wall
or a stolen tool, we can protect you. Coverage can also be
tailored to protect your buildings, loss of business income
and losses due to crime. Like you, we believe in protecting
your business. One complete program.. serviced by one agency
and one insurer. The Artisan Contractors Program makes value
and security easy and affordable for you.
Top of Page
Attorneys (Court & Fiduciary Bonds)
 We
specialize in the following types of Court Bonds: * Attachment
* Indemnity to Sheriff * Replevin * Administrator * Guardian
* Receivers * Trustees * Personal Representatives * Conservator
* Other Court Bonds
Top of Page
Long Term Care
 Can
you afford to cross this bridge when you get to it? With Americans
living longer, many of us may need long term care at some
point in our lives. People with assets can end up paying for
Long Term Care out of their own pockets. Government programs
cover much less than you might expect. In fact, nearly half
of all Long Term Care expenses are paid out of pocket! * Nearly
half of all people over age 65 may spend some time in a Nursing
Home * For every person in a Nursing Home, five people may
need similar care at home * Medicare pays less than 7 percent
of all Nursing Home bills in the US. This program primarily
covers short-term stays for rehabiliation * Medicaid pays
a significant portion of Long Term Care expenses, but only
for those with little income or assets.
Top of Page
Bonding
Bonding is a key element of your business; let us be a key asset!
Q: Why is bonding so difficult?
A: It doesn't have to be! Let us help you.
Q: Where is the professional expertise I need?
A: You can find it with us!
* 53 Years Experience
* We get results
Q: What's the difference?
A: We have;
* Service
* Numerous markets (all Treasury Rated)
* In house power of attorney
Put our experience on your team.
Top of Page
Commercial Property
Provides coverage for physical damage to property used in a commercial enterprise, such as fire, vandalism, etc.
Top of Page
General Commercial Liability
This coverage protects your business from claims arising from alleged bodily injury, personal injury or property damage liability. It includes protection for services you render or products you sell. Coverage payments can include judgements, attorney fees, court costs, or other related expenses.
Top of Page
Marine Equipment Coverages
Property that is mobile in nature has been traditionally handled on these types of policies. A wide variety of forms and coverages has been developed to handle the needs of this property.
Top of Page
Business Automobile
This policy can provide a combination of liability protection and physical damage coverage for loss due to damage to vehicles owned, maintained, or used by you. Additional coverages such as medical payments and uninsured otorist protection can be purchased to "customize" the policy to fit your business.
Top of Page
Worker's Compensation
State law requires that every employer provide Workers Compensation insurance for their employees. This insurance provides coverage for accidents or disease arising from employment as prescribed by these stat laws. Benefits can include lost wages, medical expenses, and permanent disfigurement/disability payments.
Top of Page
Commercial Excess Liability (Umbrella Policy)
This policy provides protection against catastrophic liability claims. The policy acts as an excess coverage over your primary liability policies. Its limits apply in addition to that provided by the underlying coverage.
Top of Page
Tax Deductible Retirement Plans
We can offer a wide range of mutual funds for investors for both short term or long term needs. We can help you establish an investment strategy based on your needs after an initial interview based on questions to determine your risk level.
Top of Page
Group Hospitalization
We have individual or group products from various carriers from the state mandated plans A thru E for single, husband/wife, parent/child & family plans. Group rates are also available. If you do not prefer the restrictiveness of HMO plans, we have plans available to give you the option of any doctor.
Top of Page
Long Term Disability
We represent several A-Rated Life Insurance Companies. One company, Harleysville Life, offers preferred rates to applicants in good health who do use tobacco and offers a group guaranteed issue program. Inquire for a quote to see if you qualify. If you have an interest in disability coverage, we have excellent markets for blue collar workers on both an individual or group type exposure. Coverage is based upon annual income, age, smoker, non-smoker and elimination period (deductible) based upon 30, 60, 90 or 120 days.
Top of Page
Simple IRA or 401K Programs
We can help you establish a way for your employees to save for their retirement on a pre-tax basis. The employer contribution requirement is discretionary with several choices of contribution. These plans can provide a valuable way to attract and retain quality employees. You can setup a plan with one or more employees. Call Robin at ext 415 or email for a quote.
Top of Page
|
