Developmentally Disabled Provider Insurance
By spadmin In Developmentally Disabled Provider Business Insurance On April 3, 2015
Developmentally disabled provider insurance purchase needs to be a careful process with an experienced broker who understands the requirements – especially if you have a state contract.
Our new insurance program provides complete coverage and competitive pricing. Additionally, we can offer some of the coverages as “stand alone”. Essentially, we can custom design a program for your specific facility. We are keenly aware that “one size does not fit all” when it comes to developmentally disabled provider insurance.
Basic coverages include (but not limited to):
Commercial auto (includes paratransit)
Hired/non owner auto
Sex abuse and molestation – claims made or occurrence
Property and BPP
Specialized coverages available on request
Additionally, if you have had claims or lapses in the past, we urge you to contact us. We have the social services markets for non standard insurance.
As an aside, our brokers answer their own phones and emails. At your initial contact with us, you are given your broker’s cell phone number and direct email address. Where, in most agencies, your broker hides behind a wall of telephone prompts and disinterested, underpaid receptionists.
At sp Business Insurance Services, all aspects of your account are handled by your broker. This arrangement places your broker’s interests in harmony with your interests because it places responsibility for your satisfaction squarely on your broker. This responsibility includes all followup service such as Certificates of Insurance and Additional Insures Certificated, adding and deleting drivers, overseeing claim resolutions in your favor and all other matters pertaining to your insurance. When was the last time you had a Certificate of Insurance or Addition Insured Certificate in your hands two hours after you requested it. Perhaps this is one of the reasons our client retention exceeds 99%.
The other reason for our remarkable client retention is that we shop the market for the lowest possible premium for your needs. We have no “loyalty” to any insurance company because we, as brokers, represent you – not any insurance company. If an insurance company has a bad year and wants to raise your premiums at renewal, we make a seamless transition to another insurer to keep your rates as low as possible. We require that each insurer in our stable maintain an ‘A’ or better, rating from AM Best.
Finally, we only write commercial insurance.