Gallagher prides itself in being more than a broker that merely places insurance. We concentrate our efforts on pooling the knowledge and resources available within our industry to provide a comprehensive risk management program that goes beyond an insurance transaction.
The program we have developed centers on three pillars of risk management.
Identification and Mitigation
Identifying those exposures associated with your operation and providing the resources necessary to mitigate those exposures.
We know unforeseen events and losses will occur. It is imperative to be prepared prior to an event or loss. As part of our program we provide you access to business continuity planning tools that can assist you in preparing for an event.
After an event the response to that event can be a crucial factor in determining the significance of the loss associated with the event. As part of our program you receive the toolkits you need to respond to an incident and navigate the claims processes easily. When additional assistance is needed, a dedicated claims advocate is on call to assist you.
Gallagher will work with you to identify those exposures facing your business and will develop a comprehensive set of insurance options to cover those exposures.
Some examples of insurance lines of coverages we can assist you with include:
Business Owners Package
A business owner's package combines general liability and business property insurance for your business. The business owner's package we will develop specifically for you can contain enhanced endorsements outside of a traditional business owners package. These endorsements are designed to cover specific exposures facing your operations. These endorsements will be identified in the proposal for insurance we provide to you.
Workers’ Compensation insurance is required by law in most states and covers employees against job-related injuries and illnesses.
An umbrella policy supplements your existing General Liability, Business Property and Commercial Auto policies to cover certain catastrophic liability claims that exceed the primary limits on those policies. For example, if someone has an Auto Insurance Limit of $1MM and a $5MM auto claim, a $10MM umbrella policy would respond to the additional $4MM in the claim.
Employment Practices Liability (EPLI)
Employment Practice Liability provides coverage for wrongful termination, sexual harassment, discrimination, emotional distress, and numerous other workplace conduct issues, including 3rd party discrimination. The coverage will be specifically broadened to incorporate the most common pitfalls that are often overlooked with standard policy forms.
Cyber liability provides coverage that protects against network breaches in their security, whether electronically or in hard file form. The coverage provides customer notification expense, credit monitoring expense, computer forensic expense, and can provide Payment Card Industry (PCI) expenses. This has become the new topic amongst many franchise owners due to recent high profile security breaches.
Gallagher has developed a comprehensive set of loss control and safety resources in an effort to assist you in mitigating losses. These resources are reserved for those participating in the Franchise Insurance program.
If you are currently enrolled in the program, please login and you will be re-directed to the Loss Control Library. If you are not currently a registered user you can sample these resources in the Resources section. If you are interested in enrolling in this program, please return to the home page to begin an application.
Please contact us should you have any questions 727-797-4190.
New York is one of a handful of states that require employers to provide disability benefits coverage to employees for an off-the-job injury or illness. Coverage for disability benefits can be obtained through a disability benefits insurance carrier who is authorized by the New York State Workers' Compensation Board to write such policies. Another option is for large employers to become authorized by the Board to self-insure (WCL §211).
Disability benefits are temporary cash benefits paid to an eligible wage earner, when he/she is disabled by an off the job injury or illness. The Disability Benefits Law (Article 9 of the WCL) provides weekly cash benefits to replace, in part, wages lost due to injuries or illnesses that do not arise out of or in the course of employment (WCL §204). Disability benefits are also paid to an unemployed worker to replace unemployment insurance benefits lost because of illness or injury (WCL §207).
Disability benefits include cash payments only.
Medical care is the responsibility of the claimant. It is not paid for by the employer or insurance carrier. Cash benefits are 50 percent of a claimant's average weekly wage, but no more than the maximum benefit allowed, currently $170 per week (WCL §204).
Benefits are paid for a maximum of 26 weeks of disability during 52 consecutive weeks (WCL §205). For employed workers, there is a 7-day waiting period for which no benefits are paid. Benefit rights begin on the eighth consecutive day of disability (WCL §208). An employer must supply a worker who has been disabled more than seven days with a Statement of Rights under the Disability Benefits Law (form DB-271S) ), within five days of learning that the worker is disabled (WCL §229).
We are happy to provide you a quote for a New York Disability Benefits Law Policy in addition to the other lines of coverage you would like us to quote.