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msmarco_v2.1_doc_01_1665901114#16_2441644130
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http://insurance-companies.co/types-of-health-insurance/
|
Types Of Health Insurance Plans & Coverage: The Ultimate Guide
|
Types of Health Insurance
Types of Health Insurance
What Is Health Insurance? Definition.
Different Types of Health Insurance
How to Choose the Best Health Insurance Plan For Your Needs?
|
1.Health maintenance organizations (HMOs)
In the United States, a health maintenance organization (HMO) is a medical insurance group that provides health services with providers under contract. That type of medical insurance plan limits coverage to care from doctors who work for the HMO. Practically, It won’t cover out-of-network care except in an emergency. If you belong to an HMO, usually you receive all of your health care from network providers. As a consumer, you pick a primary care provider. He or she will be responsible for coordinating all of your care. A primary care provider may be family practice doctors, pediatricians, internists, obstetricians-gynecologists, and etc. If you have to visits specialists, it requires referrals (e.g. permission) from your primary care provider in order for the insurer to cover the visits. HMOs often won’t pay for medical care that wasn’t referred by your primary care physician. ( with some exceptions such as emergency services)
With HMO insurance, you typically pay lower premiums to compensate for the restrictions on provider choice and to incorporate the insurer’s ability to control costs.
| 7,720 | 8,869 |
msmarco_v2.1_doc_01_1665901114#17_2441645762
|
http://insurance-companies.co/types-of-health-insurance/
|
Types Of Health Insurance Plans & Coverage: The Ultimate Guide
|
Types of Health Insurance
Types of Health Insurance
What Is Health Insurance? Definition.
Different Types of Health Insurance
How to Choose the Best Health Insurance Plan For Your Needs?
|
He or she will be responsible for coordinating all of your care. A primary care provider may be family practice doctors, pediatricians, internists, obstetricians-gynecologists, and etc. If you have to visits specialists, it requires referrals (e.g. permission) from your primary care provider in order for the insurer to cover the visits. HMOs often won’t pay for medical care that wasn’t referred by your primary care physician. ( with some exceptions such as emergency services)
With HMO insurance, you typically pay lower premiums to compensate for the restrictions on provider choice and to incorporate the insurer’s ability to control costs. In simple words, HMOs offer you predictable cost-sharing and administrative simplicity. 2.Preferred provider organizations (PPOs)
PPOs plans offer more flexibility than HMOs in choosing care providers. It means that you have a wider choice of providers than HMOs. When it comes to premiums, they may be similar to or slightly higher than in traditional HMOs. Out-of-pocket costs also are generally higher and more complicated.
| 8,224 | 9,296 |
msmarco_v2.1_doc_01_1665901114#18_2441647313
|
http://insurance-companies.co/types-of-health-insurance/
|
Types Of Health Insurance Plans & Coverage: The Ultimate Guide
|
Types of Health Insurance
Types of Health Insurance
What Is Health Insurance? Definition.
Different Types of Health Insurance
How to Choose the Best Health Insurance Plan For Your Needs?
|
In simple words, HMOs offer you predictable cost-sharing and administrative simplicity. 2.Preferred provider organizations (PPOs)
PPOs plans offer more flexibility than HMOs in choosing care providers. It means that you have a wider choice of providers than HMOs. When it comes to premiums, they may be similar to or slightly higher than in traditional HMOs. Out-of-pocket costs also are generally higher and more complicated. PPOs allow participants to venture out of the provider network. You do not need a referral to see a specialist, but you may need to do some paperwork (such as fill out forms, send bills in for payment, and etc). When you go out of the plan’s network for care, PPOs works like fee-for-service and take from you coinsurance. In other words, straying from the PPO network means that you may pay a greater share of the costs. Be aware of that in-network and out-of-network coverage and options differ from plan to plan.
| 8,869 | 9,812 |
msmarco_v2.1_doc_01_1665901114#19_2441648722
|
http://insurance-companies.co/types-of-health-insurance/
|
Types Of Health Insurance Plans & Coverage: The Ultimate Guide
|
Types of Health Insurance
Types of Health Insurance
What Is Health Insurance? Definition.
Different Types of Health Insurance
How to Choose the Best Health Insurance Plan For Your Needs?
|
PPOs allow participants to venture out of the provider network. You do not need a referral to see a specialist, but you may need to do some paperwork (such as fill out forms, send bills in for payment, and etc). When you go out of the plan’s network for care, PPOs works like fee-for-service and take from you coinsurance. In other words, straying from the PPO network means that you may pay a greater share of the costs. Be aware of that in-network and out-of-network coverage and options differ from plan to plan. 3.Point-of-Service Plans (POS)
Point-of-Service Plans (POS) combines the characteristics of the two most popular types of health insurance plans, HMO and PPO. Practically it is a hybrid o
| 9,296 | 10,000 |
msmarco_v2.1_doc_01_1665917763#0_2441649893
|
http://insurance-companies.co/uk-insurance-companies/
|
Insurance Companies in The UK: List of Largest Insurers
|
Insurance Companies in UK
Insurance Companies in UK
Aviva
RSA Insurance Company
Direct Line Group
AXA Insurance
Bupa Insurance
ACE Europe
Allianz
NFU Mutual- Financial Services
XL Group
Ageas Insurance
Liverpool Victoria
FM Global – Corporate Risk Management
Willis Towers Watson (NASDAQ: WLTW)
Towergate Insurance
Legal & General
Engage Mutual Assurance
Amlin
Beazley Group – Multinational insurer
Brit Insurance
Churchill Insurance
The AA – Auto Insurance & Cover
Saga – Insurances and Financial Services
Intasure – Property insurances
|
Insurance Companies in The UK: List of Largest Insurers
Insurance Companies in UK
Insurance Companies
Here is a list of the most popular, top, and largest insurance companies in The UK. UK insurance market provides a lot of opportunities in different financial areas. Life, health, travel, and car insurance are well developed with a range of advantages such as affordable prices, premium opportunities, and much more benefits for individuals and business. Aviva
Aviva is an international insurance company, headquartered in London. The company offers: Individual products – Car, Motor, Life, Health, Travel insurances; Business solutions – Corporate business insurances, Small business products; Savings, Retirement solutions, Collective investments, Annuities, etc.; http://www.aviva.co.uk
RSA Insurance Company
RSA is one of the leading UK insurance companies.
| 0 | 863 |
msmarco_v2.1_doc_01_1665917763#1_2441651614
|
http://insurance-companies.co/uk-insurance-companies/
|
Insurance Companies in The UK: List of Largest Insurers
|
Insurance Companies in UK
Insurance Companies in UK
Aviva
RSA Insurance Company
Direct Line Group
AXA Insurance
Bupa Insurance
ACE Europe
Allianz
NFU Mutual- Financial Services
XL Group
Ageas Insurance
Liverpool Victoria
FM Global – Corporate Risk Management
Willis Towers Watson (NASDAQ: WLTW)
Towergate Insurance
Legal & General
Engage Mutual Assurance
Amlin
Beazley Group – Multinational insurer
Brit Insurance
Churchill Insurance
The AA – Auto Insurance & Cover
Saga – Insurances and Financial Services
Intasure – Property insurances
|
The company offers: Individual products – Car, Motor, Life, Health, Travel insurances; Business solutions – Corporate business insurances, Small business products; Savings, Retirement solutions, Collective investments, Annuities, etc.; http://www.aviva.co.uk
RSA Insurance Company
RSA is one of the leading UK insurance companies. RSA offers various financial products as: Personal insurances – Travel, Life, Pet, Home, Car, etc. Business insurances – Public liability, Office insurances, Professional indemnity; Consultations and offices in more than 25 countries; http://www.rsagroup.com
Direct Line Group
Direct Line Group is an international insurance holding which owns brands as Direct Line, Churchill, Privilege and Green Flag.
| 533 | 1,267 |
msmarco_v2.1_doc_01_1665917763#2_2441653217
|
http://insurance-companies.co/uk-insurance-companies/
|
Insurance Companies in The UK: List of Largest Insurers
|
Insurance Companies in UK
Insurance Companies in UK
Aviva
RSA Insurance Company
Direct Line Group
AXA Insurance
Bupa Insurance
ACE Europe
Allianz
NFU Mutual- Financial Services
XL Group
Ageas Insurance
Liverpool Victoria
FM Global – Corporate Risk Management
Willis Towers Watson (NASDAQ: WLTW)
Towergate Insurance
Legal & General
Engage Mutual Assurance
Amlin
Beazley Group – Multinational insurer
Brit Insurance
Churchill Insurance
The AA – Auto Insurance & Cover
Saga – Insurances and Financial Services
Intasure – Property insurances
|
RSA offers various financial products as: Personal insurances – Travel, Life, Pet, Home, Car, etc. Business insurances – Public liability, Office insurances, Professional indemnity; Consultations and offices in more than 25 countries; http://www.rsagroup.com
Direct Line Group
Direct Line Group is an international insurance holding which owns brands as Direct Line, Churchill, Privilege and Green Flag. The group offers its clients multi-products and multi-distribution channel business model. Direct Line Group subsidiaries operate in Germany, Italy, and others European countries. http://www.directlinegroup.co.uk
AXA Insurance
AXA Insurance is a worldwide company which has a strong presence in The United Kingdom. The company offers: Personal insurances – Home, Van, Car, Travel, Pet products;
| 864 | 1,662 |
msmarco_v2.1_doc_01_1665917763#3_2441654879
|
http://insurance-companies.co/uk-insurance-companies/
|
Insurance Companies in The UK: List of Largest Insurers
|
Insurance Companies in UK
Insurance Companies in UK
Aviva
RSA Insurance Company
Direct Line Group
AXA Insurance
Bupa Insurance
ACE Europe
Allianz
NFU Mutual- Financial Services
XL Group
Ageas Insurance
Liverpool Victoria
FM Global – Corporate Risk Management
Willis Towers Watson (NASDAQ: WLTW)
Towergate Insurance
Legal & General
Engage Mutual Assurance
Amlin
Beazley Group – Multinational insurer
Brit Insurance
Churchill Insurance
The AA – Auto Insurance & Cover
Saga – Insurances and Financial Services
Intasure – Property insurances
|
The group offers its clients multi-products and multi-distribution channel business model. Direct Line Group subsidiaries operate in Germany, Italy, and others European countries. http://www.directlinegroup.co.uk
AXA Insurance
AXA Insurance is a worldwide company which has a strong presence in The United Kingdom. The company offers: Personal insurances – Home, Van, Car, Travel, Pet products; Business insurances – Public liability, Employers liability, etc; Health and Life financial products, Investments, etc; http://www.axa.co.uk
Bupa Insurance
Bupa Insurance is one of the popular insurance companies in The UK that provides various range of health care financial products. Individual products – Health insurance, Health assessments, Self-pay treatments, Dental and cash plans, Care homes, Travel insurance
Business products – health care insurances for small business, Corporate health products. http://www.bupa.co.uk
ACE Europe
ACE Europe is one of the major insurance companies in The UK, which offers many solutions:
| 1,268 | 2,295 |
msmarco_v2.1_doc_01_1665917763#4_2441656779
|
http://insurance-companies.co/uk-insurance-companies/
|
Insurance Companies in The UK: List of Largest Insurers
|
Insurance Companies in UK
Insurance Companies in UK
Aviva
RSA Insurance Company
Direct Line Group
AXA Insurance
Bupa Insurance
ACE Europe
Allianz
NFU Mutual- Financial Services
XL Group
Ageas Insurance
Liverpool Victoria
FM Global – Corporate Risk Management
Willis Towers Watson (NASDAQ: WLTW)
Towergate Insurance
Legal & General
Engage Mutual Assurance
Amlin
Beazley Group – Multinational insurer
Brit Insurance
Churchill Insurance
The AA – Auto Insurance & Cover
Saga – Insurances and Financial Services
Intasure – Property insurances
|
Business insurances – Public liability, Employers liability, etc; Health and Life financial products, Investments, etc; http://www.axa.co.uk
Bupa Insurance
Bupa Insurance is one of the popular insurance companies in The UK that provides various range of health care financial products. Individual products – Health insurance, Health assessments, Self-pay treatments, Dental and cash plans, Care homes, Travel insurance
Business products – health care insurances for small business, Corporate health products. http://www.bupa.co.uk
ACE Europe
ACE Europe is one of the major insurance companies in The UK, which offers many solutions: Individual solutions – Accidental, Health, Travel, Life products. Business solutions – Environmental, Liability, Cargo, Property, and many others; Reinsurance products, Consultations, Brokerage, etc. http://www.acegroup.com/uk-en
Allianz
Allianz is one the largest insurance companies around the world. In the UK following products are available:
| 1,662 | 2,642 |
msmarco_v2.1_doc_01_1665917763#5_2441658636
|
http://insurance-companies.co/uk-insurance-companies/
|
Insurance Companies in The UK: List of Largest Insurers
|
Insurance Companies in UK
Insurance Companies in UK
Aviva
RSA Insurance Company
Direct Line Group
AXA Insurance
Bupa Insurance
ACE Europe
Allianz
NFU Mutual- Financial Services
XL Group
Ageas Insurance
Liverpool Victoria
FM Global – Corporate Risk Management
Willis Towers Watson (NASDAQ: WLTW)
Towergate Insurance
Legal & General
Engage Mutual Assurance
Amlin
Beazley Group – Multinational insurer
Brit Insurance
Churchill Insurance
The AA – Auto Insurance & Cover
Saga – Insurances and Financial Services
Intasure – Property insurances
|
Individual solutions – Accidental, Health, Travel, Life products. Business solutions – Environmental, Liability, Cargo, Property, and many others; Reinsurance products, Consultations, Brokerage, etc. http://www.acegroup.com/uk-en
Allianz
Allianz is one the largest insurance companies around the world. In the UK following products are available: Individual insurances – Car, Home, Equine, Pet, and many others; Business insurances – various range of products for small, medium and corporate business; Legal protection, Financial consultancy, and many other services. http://www.allianz.co.uk/home.html
NFU Mutual- Financial Services
NFU Mutual is a company which offers many financial products: Home insurances, Life cover, Family safety, Mortgage assurance, etc;
| 2,295 | 3,060 |
msmarco_v2.1_doc_01_1665917763#6_2441660270
|
http://insurance-companies.co/uk-insurance-companies/
|
Insurance Companies in The UK: List of Largest Insurers
|
Insurance Companies in UK
Insurance Companies in UK
Aviva
RSA Insurance Company
Direct Line Group
AXA Insurance
Bupa Insurance
ACE Europe
Allianz
NFU Mutual- Financial Services
XL Group
Ageas Insurance
Liverpool Victoria
FM Global – Corporate Risk Management
Willis Towers Watson (NASDAQ: WLTW)
Towergate Insurance
Legal & General
Engage Mutual Assurance
Amlin
Beazley Group – Multinational insurer
Brit Insurance
Churchill Insurance
The AA – Auto Insurance & Cover
Saga – Insurances and Financial Services
Intasure – Property insurances
|
Individual insurances – Car, Home, Equine, Pet, and many others; Business insurances – various range of products for small, medium and corporate business; Legal protection, Financial consultancy, and many other services. http://www.allianz.co.uk/home.html
NFU Mutual- Financial Services
NFU Mutual is a company which offers many financial products: Home insurances, Life cover, Family safety, Mortgage assurance, etc; Annuities, Personal Pension Account, other plans; Investments, Financial Planning, Guidance, Consultancy. http://www.nfumutual.co.uk
XL Group
XL Group is an international company which operates in more than 40 countries. In The United Kingdom, the company offers insurance coverage for Casualty, Professional, Property, Specialty risks. The XL Group has many business products for most of the modern industries.
| 2,642 | 3,472 |
msmarco_v2.1_doc_01_1665917763#7_2441661959
|
http://insurance-companies.co/uk-insurance-companies/
|
Insurance Companies in The UK: List of Largest Insurers
|
Insurance Companies in UK
Insurance Companies in UK
Aviva
RSA Insurance Company
Direct Line Group
AXA Insurance
Bupa Insurance
ACE Europe
Allianz
NFU Mutual- Financial Services
XL Group
Ageas Insurance
Liverpool Victoria
FM Global – Corporate Risk Management
Willis Towers Watson (NASDAQ: WLTW)
Towergate Insurance
Legal & General
Engage Mutual Assurance
Amlin
Beazley Group – Multinational insurer
Brit Insurance
Churchill Insurance
The AA – Auto Insurance & Cover
Saga – Insurances and Financial Services
Intasure – Property insurances
|
Annuities, Personal Pension Account, other plans; Investments, Financial Planning, Guidance, Consultancy. http://www.nfumutual.co.uk
XL Group
XL Group is an international company which operates in more than 40 countries. In The United Kingdom, the company offers insurance coverage for Casualty, Professional, Property, Specialty risks. The XL Group has many business products for most of the modern industries. Reinsurance solutions are provided also. http://xlgroup.com
Ageas Insurance
Ageas Insurance is an international company which operates in The UK. The company offers wide range of excellent insurance products: Personal insurances – Car, Motorcycle, Home, Travel, Accident, etc. Business insurances – Property, Employees, Liabilities products, and many more.
| 3,060 | 3,829 |
msmarco_v2.1_doc_01_1665917763#8_2441663587
|
http://insurance-companies.co/uk-insurance-companies/
|
Insurance Companies in The UK: List of Largest Insurers
|
Insurance Companies in UK
Insurance Companies in UK
Aviva
RSA Insurance Company
Direct Line Group
AXA Insurance
Bupa Insurance
ACE Europe
Allianz
NFU Mutual- Financial Services
XL Group
Ageas Insurance
Liverpool Victoria
FM Global – Corporate Risk Management
Willis Towers Watson (NASDAQ: WLTW)
Towergate Insurance
Legal & General
Engage Mutual Assurance
Amlin
Beazley Group – Multinational insurer
Brit Insurance
Churchill Insurance
The AA – Auto Insurance & Cover
Saga – Insurances and Financial Services
Intasure – Property insurances
|
Reinsurance solutions are provided also. http://xlgroup.com
Ageas Insurance
Ageas Insurance is an international company which operates in The UK. The company offers wide range of excellent insurance products: Personal insurances – Car, Motorcycle, Home, Travel, Accident, etc. Business insurances – Property, Employees, Liabilities products, and many more. Life insurances – Life plans, Real life cover, etc. https://www.ageas.co.uk
Liverpool Victoria
Liverpool Victoria is a financial company which offers many insurance and financial products, and consultancy. Personal solutions – Car, Travel, Home, Pet, and other products. Life Cover, Sick pay insurance, Mortgage protections, Income protection. Retirement plans, Savings, Investment advice, and more.
| 3,473 | 4,229 |
msmarco_v2.1_doc_01_1665917763#9_2441665213
|
http://insurance-companies.co/uk-insurance-companies/
|
Insurance Companies in The UK: List of Largest Insurers
|
Insurance Companies in UK
Insurance Companies in UK
Aviva
RSA Insurance Company
Direct Line Group
AXA Insurance
Bupa Insurance
ACE Europe
Allianz
NFU Mutual- Financial Services
XL Group
Ageas Insurance
Liverpool Victoria
FM Global – Corporate Risk Management
Willis Towers Watson (NASDAQ: WLTW)
Towergate Insurance
Legal & General
Engage Mutual Assurance
Amlin
Beazley Group – Multinational insurer
Brit Insurance
Churchill Insurance
The AA – Auto Insurance & Cover
Saga – Insurances and Financial Services
Intasure – Property insurances
|
Life insurances – Life plans, Real life cover, etc. https://www.ageas.co.uk
Liverpool Victoria
Liverpool Victoria is a financial company which offers many insurance and financial products, and consultancy. Personal solutions – Car, Travel, Home, Pet, and other products. Life Cover, Sick pay insurance, Mortgage protections, Income protection. Retirement plans, Savings, Investment advice, and more. http://www.lv.com
FM Global – Corporate Risk Management
FM Global is an international insurance company, specialized in corporate risk coverage and risk management. Insurance cover – All risk property cover, Business interruption cover, Cargo cover. Loss prevention and Risk management. Product certification and testing. http://www.fmglobal.co.uk
Willis Towers Watson (NASDAQ:
| 3,829 | 4,607 |
msmarco_v2.1_doc_01_1665917763#10_2441666861
|
http://insurance-companies.co/uk-insurance-companies/
|
Insurance Companies in The UK: List of Largest Insurers
|
Insurance Companies in UK
Insurance Companies in UK
Aviva
RSA Insurance Company
Direct Line Group
AXA Insurance
Bupa Insurance
ACE Europe
Allianz
NFU Mutual- Financial Services
XL Group
Ageas Insurance
Liverpool Victoria
FM Global – Corporate Risk Management
Willis Towers Watson (NASDAQ: WLTW)
Towergate Insurance
Legal & General
Engage Mutual Assurance
Amlin
Beazley Group – Multinational insurer
Brit Insurance
Churchill Insurance
The AA – Auto Insurance & Cover
Saga – Insurances and Financial Services
Intasure – Property insurances
|
http://www.lv.com
FM Global – Corporate Risk Management
FM Global is an international insurance company, specialized in corporate risk coverage and risk management. Insurance cover – All risk property cover, Business interruption cover, Cargo cover. Loss prevention and Risk management. Product certification and testing. http://www.fmglobal.co.uk
Willis Towers Watson (NASDAQ: WLTW)
Willis Towers Watson is one of the best global insurance brokers which provides: Risk advise, Reinsurance, Risk Management, Insurance brokerage. Worker’s compensation, Property insurances, Jewelry insurances. Enterprise risk management, Environmental policies, Loss management, and more. http://www.willis.com
Towergate Insurance
Towergate Insurance is one of the Europe’s largest independently owned insurance intermediary which offers:
| 4,229 | 5,051 |
msmarco_v2.1_doc_01_1665917763#11_2441668555
|
http://insurance-companies.co/uk-insurance-companies/
|
Insurance Companies in The UK: List of Largest Insurers
|
Insurance Companies in UK
Insurance Companies in UK
Aviva
RSA Insurance Company
Direct Line Group
AXA Insurance
Bupa Insurance
ACE Europe
Allianz
NFU Mutual- Financial Services
XL Group
Ageas Insurance
Liverpool Victoria
FM Global – Corporate Risk Management
Willis Towers Watson (NASDAQ: WLTW)
Towergate Insurance
Legal & General
Engage Mutual Assurance
Amlin
Beazley Group – Multinational insurer
Brit Insurance
Churchill Insurance
The AA – Auto Insurance & Cover
Saga – Insurances and Financial Services
Intasure – Property insurances
|
WLTW)
Willis Towers Watson is one of the best global insurance brokers which provides: Risk advise, Reinsurance, Risk Management, Insurance brokerage. Worker’s compensation, Property insurances, Jewelry insurances. Enterprise risk management, Environmental policies, Loss management, and more. http://www.willis.com
Towergate Insurance
Towergate Insurance is one of the Europe’s largest independently owned insurance intermediary which offers: Risk Solutions and Underwriting. Personal products – Car, Home, Boat, Property, Life insurances. Business insurances and specific financial products. http://www.towergateinsurance.co.uk
Legal & General
Legal & General is a multinational financial company, headquartered in London. The company offers:
| 4,608 | 5,352 |
msmarco_v2.1_doc_01_1665917763#12_2441670166
|
http://insurance-companies.co/uk-insurance-companies/
|
Insurance Companies in The UK: List of Largest Insurers
|
Insurance Companies in UK
Insurance Companies in UK
Aviva
RSA Insurance Company
Direct Line Group
AXA Insurance
Bupa Insurance
ACE Europe
Allianz
NFU Mutual- Financial Services
XL Group
Ageas Insurance
Liverpool Victoria
FM Global – Corporate Risk Management
Willis Towers Watson (NASDAQ: WLTW)
Towergate Insurance
Legal & General
Engage Mutual Assurance
Amlin
Beazley Group – Multinational insurer
Brit Insurance
Churchill Insurance
The AA – Auto Insurance & Cover
Saga – Insurances and Financial Services
Intasure – Property insurances
|
Risk Solutions and Underwriting. Personal products – Car, Home, Boat, Property, Life insurances. Business insurances and specific financial products. http://www.towergateinsurance.co.uk
Legal & General
Legal & General is a multinational financial company, headquartered in London. The company offers: Pensions, Annuities, Life cover, Investments. Personal Insurances – Home, Car, Landlord, etc. Special financial and insurance products, Consultancy and advice. http://www.legalandgeneral.com
Engage Mutual Assurance
Engage Mutual Assurance is one of most respected life insurance companies in The UK. A part of its products are:
| 5,051 | 5,680 |
msmarco_v2.1_doc_01_1665917763#13_2441671655
|
http://insurance-companies.co/uk-insurance-companies/
|
Insurance Companies in The UK: List of Largest Insurers
|
Insurance Companies in UK
Insurance Companies in UK
Aviva
RSA Insurance Company
Direct Line Group
AXA Insurance
Bupa Insurance
ACE Europe
Allianz
NFU Mutual- Financial Services
XL Group
Ageas Insurance
Liverpool Victoria
FM Global – Corporate Risk Management
Willis Towers Watson (NASDAQ: WLTW)
Towergate Insurance
Legal & General
Engage Mutual Assurance
Amlin
Beazley Group – Multinational insurer
Brit Insurance
Churchill Insurance
The AA – Auto Insurance & Cover
Saga – Insurances and Financial Services
Intasure – Property insurances
|
Pensions, Annuities, Life cover, Investments. Personal Insurances – Home, Car, Landlord, etc. Special financial and insurance products, Consultancy and advice. http://www.legalandgeneral.com
Engage Mutual Assurance
Engage Mutual Assurance is one of most respected life insurance companies in The UK. A part of its products are: Child trust fund and Junior easy save. Family plans – Easy save, Health cash plans, Life insurances. Over 50 life cover, Health cash plan, Easy save, and more. http://www.engagemutual.com
Amlin
Amlin is one of the popular insurance companies in The UK which provides insurance to commercial enterprises and reinsurance as: Financial institution and Commercial business insurances;
| 5,352 | 6,061 |
msmarco_v2.1_doc_01_1665917763#14_2441673224
|
http://insurance-companies.co/uk-insurance-companies/
|
Insurance Companies in The UK: List of Largest Insurers
|
Insurance Companies in UK
Insurance Companies in UK
Aviva
RSA Insurance Company
Direct Line Group
AXA Insurance
Bupa Insurance
ACE Europe
Allianz
NFU Mutual- Financial Services
XL Group
Ageas Insurance
Liverpool Victoria
FM Global – Corporate Risk Management
Willis Towers Watson (NASDAQ: WLTW)
Towergate Insurance
Legal & General
Engage Mutual Assurance
Amlin
Beazley Group – Multinational insurer
Brit Insurance
Churchill Insurance
The AA – Auto Insurance & Cover
Saga – Insurances and Financial Services
Intasure – Property insurances
|
Child trust fund and Junior easy save. Family plans – Easy save, Health cash plans, Life insurances. Over 50 life cover, Health cash plan, Easy save, and more. http://www.engagemutual.com
Amlin
Amlin is one of the popular insurance companies in The UK which provides insurance to commercial enterprises and reinsurance as: Financial institution and Commercial business insurances; Small business insurances, Professional indemnity, Cargo insurances; Home, Homeowner, Property, Casualty insurances; http://www.amlin.com/insurance/united-kingdom.aspx
Beazley Group – Multinational insurer
Beazley Group is a multinational insurer which operates in many countries and offers: Life, Health, Accident, Property insurances; Cargo and Marine insurances, Reinsurance;
| 5,680 | 6,440 |
msmarco_v2.1_doc_01_1665917763#15_2441674844
|
http://insurance-companies.co/uk-insurance-companies/
|
Insurance Companies in The UK: List of Largest Insurers
|
Insurance Companies in UK
Insurance Companies in UK
Aviva
RSA Insurance Company
Direct Line Group
AXA Insurance
Bupa Insurance
ACE Europe
Allianz
NFU Mutual- Financial Services
XL Group
Ageas Insurance
Liverpool Victoria
FM Global – Corporate Risk Management
Willis Towers Watson (NASDAQ: WLTW)
Towergate Insurance
Legal & General
Engage Mutual Assurance
Amlin
Beazley Group – Multinational insurer
Brit Insurance
Churchill Insurance
The AA – Auto Insurance & Cover
Saga – Insurances and Financial Services
Intasure – Property insurances
|
Small business insurances, Professional indemnity, Cargo insurances; Home, Homeowner, Property, Casualty insurances; http://www.amlin.com/insurance/united-kingdom.aspx
Beazley Group – Multinational insurer
Beazley Group is a multinational insurer which operates in many countries and offers: Life, Health, Accident, Property insurances; Cargo and Marine insurances, Reinsurance; Specialty insurances – Liability, Professional, Management, Environmental; https://www.beazley.com/uk
Brit Insurance
Brit insurance is one of the market-leading global specialty insurers and reinsurers, focused on underwriting complex risks. Brit offers financial solutions as: Property, Casualty, Accident, Life and Health insurances; Professional indemnity and liability, Marine and Cargo;
| 6,061 | 6,832 |
msmarco_v2.1_doc_01_1665917763#16_2441676475
|
http://insurance-companies.co/uk-insurance-companies/
|
Insurance Companies in The UK: List of Largest Insurers
|
Insurance Companies in UK
Insurance Companies in UK
Aviva
RSA Insurance Company
Direct Line Group
AXA Insurance
Bupa Insurance
ACE Europe
Allianz
NFU Mutual- Financial Services
XL Group
Ageas Insurance
Liverpool Victoria
FM Global – Corporate Risk Management
Willis Towers Watson (NASDAQ: WLTW)
Towergate Insurance
Legal & General
Engage Mutual Assurance
Amlin
Beazley Group – Multinational insurer
Brit Insurance
Churchill Insurance
The AA – Auto Insurance & Cover
Saga – Insurances and Financial Services
Intasure – Property insurances
|
Specialty insurances – Liability, Professional, Management, Environmental; https://www.beazley.com/uk
Brit Insurance
Brit insurance is one of the market-leading global specialty insurers and reinsurers, focused on underwriting complex risks. Brit offers financial solutions as: Property, Casualty, Accident, Life and Health insurances; Professional indemnity and liability, Marine and Cargo; Legal expenses, Special insurances, Reinsurance; http://www.britinsurance.com
Churchill Insurance
Churchill insurance is an insurance company in UK which offers: Car, Motorcycle, Van insurance products; Homeowner, Casualty, Renters insurance products; Life, Travel, Pet insurance products;
| 6,440 | 7,122 |
msmarco_v2.1_doc_01_1665917763#17_2441678012
|
http://insurance-companies.co/uk-insurance-companies/
|
Insurance Companies in The UK: List of Largest Insurers
|
Insurance Companies in UK
Insurance Companies in UK
Aviva
RSA Insurance Company
Direct Line Group
AXA Insurance
Bupa Insurance
ACE Europe
Allianz
NFU Mutual- Financial Services
XL Group
Ageas Insurance
Liverpool Victoria
FM Global – Corporate Risk Management
Willis Towers Watson (NASDAQ: WLTW)
Towergate Insurance
Legal & General
Engage Mutual Assurance
Amlin
Beazley Group – Multinational insurer
Brit Insurance
Churchill Insurance
The AA – Auto Insurance & Cover
Saga – Insurances and Financial Services
Intasure – Property insurances
|
Legal expenses, Special insurances, Reinsurance; http://www.britinsurance.com
Churchill Insurance
Churchill insurance is an insurance company in UK which offers: Car, Motorcycle, Van insurance products; Homeowner, Casualty, Renters insurance products; Life, Travel, Pet insurance products; http://www.churchill.com
The AA – Auto Insurance & Cover
The Automobile Association is UK company for auto insurance and coverage which provides: Auto, Van, Motorcycle, Life, Pet insurances and more; UK. European, Business breakdown cover; Savings account, Financial services and advice, Consultancy;
| 6,832 | 7,423 |
msmarco_v2.1_doc_01_1665917763#18_2441679458
|
http://insurance-companies.co/uk-insurance-companies/
|
Insurance Companies in The UK: List of Largest Insurers
|
Insurance Companies in UK
Insurance Companies in UK
Aviva
RSA Insurance Company
Direct Line Group
AXA Insurance
Bupa Insurance
ACE Europe
Allianz
NFU Mutual- Financial Services
XL Group
Ageas Insurance
Liverpool Victoria
FM Global – Corporate Risk Management
Willis Towers Watson (NASDAQ: WLTW)
Towergate Insurance
Legal & General
Engage Mutual Assurance
Amlin
Beazley Group – Multinational insurer
Brit Insurance
Churchill Insurance
The AA – Auto Insurance & Cover
Saga – Insurances and Financial Services
Intasure – Property insurances
|
http://www.churchill.com
The AA – Auto Insurance & Cover
The Automobile Association is UK company for auto insurance and coverage which provides: Auto, Van, Motorcycle, Life, Pet insurances and more; UK. European, Business breakdown cover; Savings account, Financial services and advice, Consultancy; http://www.theaa.com
Saga – Insurances and Financial Services
Saga is a company in UK which provides a range of financial services: Home, Property, Casualty, Life, Health insurances; Auto, Travel, Boat, Van, Motorcycle insurance; Financial services, Savings account, Mortgage coverage, and more; https://www.saga.co.uk
Intasure – Property insurances
Intasure is an insurance company which provides a wide range of building and property insurances:
| 7,122 | 7,871 |
msmarco_v2.1_doc_01_1665917763#19_2441681074
|
http://insurance-companies.co/uk-insurance-companies/
|
Insurance Companies in The UK: List of Largest Insurers
|
Insurance Companies in UK
Insurance Companies in UK
Aviva
RSA Insurance Company
Direct Line Group
AXA Insurance
Bupa Insurance
ACE Europe
Allianz
NFU Mutual- Financial Services
XL Group
Ageas Insurance
Liverpool Victoria
FM Global – Corporate Risk Management
Willis Towers Watson (NASDAQ: WLTW)
Towergate Insurance
Legal & General
Engage Mutual Assurance
Amlin
Beazley Group – Multinational insurer
Brit Insurance
Churchill Insurance
The AA – Auto Insurance & Cover
Saga – Insurances and Financial Services
Intasure – Property insurances
|
http://www.theaa.com
Saga – Insurances and Financial Services
Saga is a company in UK which provides a range of financial services: Home, Property, Casualty, Life, Health insurances; Auto, Travel, Boat, Van, Motorcycle insurance; Financial services, Savings account, Mortgage coverage, and more; https://www.saga.co.uk
Intasure – Property insurances
Intasure is an insurance company which provides a wide range of building and property insurances: Home, Homeowner, Landlord, Renter, Property insurances; Building, Second home, Holiday homes insurances; Business, Liability, Commercial insurances; http://www.intasureforbusiness.com
| 7,423 | 8,055 |
msmarco_v2.1_doc_01_1665926884#0_2441682566
|
http://insurance.adp.com/contact-us.aspx
|
Contact customer service | ADPIA®
|
Contact us
Contact us
Contact a business insurance agent.
855-237-5335
Service and support when you need it.
Business insurance
Group health
Employees support
Get a quote
Want to speak with us right away? Call us at:
|
Contact customer service | ADPIA®
Contact us
Customer service and satisfaction is a foundation of our business. Whether you're shopping for business insurance or just need some help with your current coverage, we're here to help. Contact a business insurance agent. To speak with a licensed ADPIA® agent call us at
855-237-5335
Service and support when you need it. All offices are open Monday – Friday, 8:30 a.m. – 8:00 p.m. ET
Business insurance
For questions and help with Workers’ compensation, Certificates of insurance, ADP’s Pay-by-Pay®, POP plans, Etc:: 800-524-7024
[email protected]
Group health
For questions and help with medical, dental, vision, disability and life insurance contact: 866-892-3383
H&[email protected]
Employees support
Employees looking for help with their benefit packages can reach the Employee Advocacy Center at: 855-322-1237 (855-EAC-1ADP)
Get a quote
Are you a current ADP client? Yes No
Step 1 Step 2 Step 3
Your privacy is assured. Get a quote
Want to speak with us right away?
| 0 | 1,021 |
msmarco_v2.1_doc_01_1665926884#1_2441684091
|
http://insurance.adp.com/contact-us.aspx
|
Contact customer service | ADPIA®
|
Contact us
Contact us
Contact a business insurance agent.
855-237-5335
Service and support when you need it.
Business insurance
Group health
Employees support
Get a quote
Want to speak with us right away? Call us at:
|
800-524-7024
[email protected]
Group health
For questions and help with medical, dental, vision, disability and life insurance contact: 866-892-3383
H&[email protected]
Employees support
Employees looking for help with their benefit packages can reach the Employee Advocacy Center at: 855-322-1237 (855-EAC-1ADP)
Get a quote
Are you a current ADP client? Yes No
Step 1 Step 2 Step 3
Your privacy is assured. Get a quote
Want to speak with us right away? Call us at: 855-237-5335
Your privacy is assured.
| 561 | 1,071 |
msmarco_v2.1_doc_01_1665928417#0_2441685066
|
http://insurance.adp.com/what-we-offer/health-and-benefits/medical-insurance.aspx
|
Health insurance quotes | ADPIA®
|
Health insurance quotes & plans
Health insurance quotes & plans
Understand your options and make the right choices
Financial tools to help employees control costs
Offering medical insurance helps your business, too
Get the most out of your health insurance investment
Common questions about Group Health
Get a quote
Want to speak with us right away? Call us at:
|
Health insurance quotes | ADPIA®
Health insurance quotes & plans
Get the right care for you and your employees. Start Quote
Understand your options and make the right choices
Medical insurance is complicated. That's why it's best to have an agent in your corner to help maximize your benefits investment when it comes to plan types including: Fully insured plan - The employer contracts with another organization to assume financial responsibility for the enrollees' medical claims and all incurred administrative costs. Partially self-funded plan - The employer assumes some of the financial risk for providing medical insurance benefits to employees. These plans will have an administrator and a reinsurer to reduce the risk to the company. Managed-care plans - Provide comprehensive health services to their members. Employees are offered financial incentives to sue the providers who belong to the plan. Managed-care plans include: Preferred provider organizations (PPO)
Exclusive provider organizations (EPO)
Health maintenance organizations (HMO)
Point-of-services (POS)
Physician-hospital organizations (PHO)
High deductible health plans (HDHP) - Feature higher deductibles than other plans.
| 0 | 1,198 |
msmarco_v2.1_doc_01_1665928417#1_2441686914
|
http://insurance.adp.com/what-we-offer/health-and-benefits/medical-insurance.aspx
|
Health insurance quotes | ADPIA®
|
Health insurance quotes & plans
Health insurance quotes & plans
Understand your options and make the right choices
Financial tools to help employees control costs
Offering medical insurance helps your business, too
Get the most out of your health insurance investment
Common questions about Group Health
Get a quote
Want to speak with us right away? Call us at:
|
These plans will have an administrator and a reinsurer to reduce the risk to the company. Managed-care plans - Provide comprehensive health services to their members. Employees are offered financial incentives to sue the providers who belong to the plan. Managed-care plans include: Preferred provider organizations (PPO)
Exclusive provider organizations (EPO)
Health maintenance organizations (HMO)
Point-of-services (POS)
Physician-hospital organizations (PHO)
High deductible health plans (HDHP) - Feature higher deductibles than other plans. These plans can be combined with a health savings account (HSA) or a health reimbursement arrangement (HRA). HSAs and HRAs allow employees to use pre-tax dollars on qualified out-of-pocket medical expenses. Financial tools to help employees control costs
With some policies, a premium only plan (POP) can provide provide tax advantages to help employees make the most of their health care dollars. Offering medical insurance helps your business, too
As part of a comprehensive benefits package, medical insurance can be critical to the success of your business. Associated preventative and wellness programs help keep your workforce healthy and productive.
| 653 | 1,855 |
msmarco_v2.1_doc_01_1665928417#2_2441688761
|
http://insurance.adp.com/what-we-offer/health-and-benefits/medical-insurance.aspx
|
Health insurance quotes | ADPIA®
|
Health insurance quotes & plans
Health insurance quotes & plans
Understand your options and make the right choices
Financial tools to help employees control costs
Offering medical insurance helps your business, too
Get the most out of your health insurance investment
Common questions about Group Health
Get a quote
Want to speak with us right away? Call us at:
|
These plans can be combined with a health savings account (HSA) or a health reimbursement arrangement (HRA). HSAs and HRAs allow employees to use pre-tax dollars on qualified out-of-pocket medical expenses. Financial tools to help employees control costs
With some policies, a premium only plan (POP) can provide provide tax advantages to help employees make the most of their health care dollars. Offering medical insurance helps your business, too
As part of a comprehensive benefits package, medical insurance can be critical to the success of your business. Associated preventative and wellness programs help keep your workforce healthy and productive. Plus, health benefits can be a huge selling point for potential employees and a key factor in attracting and retaining top talent. Get the most out of your health insurance investment
Take the complexity out of choosing a medical plan by working with a partner that knows insurance. Automatic Data Processing Insurance Agency, Inc. (ADPIA) has a team of licensed agents ready to answer questions, help you build a strategy and find the best options for your business. Common questions about Group Health
What additional services do many medical insurance carriers provide? In addition to healthcare coverage, many medical insurance programs also include:
| 1,199 | 2,510 |
msmarco_v2.1_doc_01_1665928417#3_2441690715
|
http://insurance.adp.com/what-we-offer/health-and-benefits/medical-insurance.aspx
|
Health insurance quotes | ADPIA®
|
Health insurance quotes & plans
Health insurance quotes & plans
Understand your options and make the right choices
Financial tools to help employees control costs
Offering medical insurance helps your business, too
Get the most out of your health insurance investment
Common questions about Group Health
Get a quote
Want to speak with us right away? Call us at:
|
Plus, health benefits can be a huge selling point for potential employees and a key factor in attracting and retaining top talent. Get the most out of your health insurance investment
Take the complexity out of choosing a medical plan by working with a partner that knows insurance. Automatic Data Processing Insurance Agency, Inc. (ADPIA) has a team of licensed agents ready to answer questions, help you build a strategy and find the best options for your business. Common questions about Group Health
What additional services do many medical insurance carriers provide? In addition to healthcare coverage, many medical insurance programs also include: Prescription drug benefits give employees affordable access to the medications necessary to address immediate health concerns and manage chronic conditions. A mail-order medication option that enables prescriptions to be filled and delivered directly to an employee's home. Wellness programs to encourage healthy behaviors and identify medical conditions when they first develop. What is a flexible spending account/arrangement (FSA)? Administered by employers, FSA's allow employees to set aside pretax dollars to pay their share of medical insurance expenses not covered by the health plan.
| 1,855 | 3,103 |
msmarco_v2.1_doc_01_1665928417#4_2441692603
|
http://insurance.adp.com/what-we-offer/health-and-benefits/medical-insurance.aspx
|
Health insurance quotes | ADPIA®
|
Health insurance quotes & plans
Health insurance quotes & plans
Understand your options and make the right choices
Financial tools to help employees control costs
Offering medical insurance helps your business, too
Get the most out of your health insurance investment
Common questions about Group Health
Get a quote
Want to speak with us right away? Call us at:
|
Prescription drug benefits give employees affordable access to the medications necessary to address immediate health concerns and manage chronic conditions. A mail-order medication option that enables prescriptions to be filled and delivered directly to an employee's home. Wellness programs to encourage healthy behaviors and identify medical conditions when they first develop. What is a flexible spending account/arrangement (FSA)? Administered by employers, FSA's allow employees to set aside pretax dollars to pay their share of medical insurance expenses not covered by the health plan. What is a health reimbursement account (HRA)? Established, owned and funded solely by employers, an HRA provides funds to pay for certain medical expenses. HRA's are administered by a vendor who handles reimbursement as claims are submitted. What is a health savings account (HSA)? An HSA is tax-advantaged medical savings account available to employees with a high deductible health plan.
| 2,510 | 3,493 |
msmarco_v2.1_doc_01_1665928417#5_2441694224
|
http://insurance.adp.com/what-we-offer/health-and-benefits/medical-insurance.aspx
|
Health insurance quotes | ADPIA®
|
Health insurance quotes & plans
Health insurance quotes & plans
Understand your options and make the right choices
Financial tools to help employees control costs
Offering medical insurance helps your business, too
Get the most out of your health insurance investment
Common questions about Group Health
Get a quote
Want to speak with us right away? Call us at:
|
What is a health reimbursement account (HRA)? Established, owned and funded solely by employers, an HRA provides funds to pay for certain medical expenses. HRA's are administered by a vendor who handles reimbursement as claims are submitted. What is a health savings account (HSA)? An HSA is tax-advantaged medical savings account available to employees with a high deductible health plan. They are owned by the employee but can be funded by both employer or employee. Funds contribution are tax-free and can be used to pay for qualified health care expenses. Get a quote
Want to speak with us right away? Call us at: 855-237-5335
Your privacy is assured.
| 3,103 | 3,759 |
msmarco_v2.1_doc_01_1665928417#6_2441695520
|
http://insurance.adp.com/what-we-offer/health-and-benefits/medical-insurance.aspx
|
Health insurance quotes | ADPIA®
|
Health insurance quotes & plans
Health insurance quotes & plans
Understand your options and make the right choices
Financial tools to help employees control costs
Offering medical insurance helps your business, too
Get the most out of your health insurance investment
Common questions about Group Health
Get a quote
Want to speak with us right away? Call us at:
|
They are owned by the employee but can be funded by both employer or employee. Funds contribution are tax-free and can be used to pay for qualified health care expenses. Get a quote
Want to speak with us right away? Call us at: 855-237-5335
Your privacy is assured. Get a quote
Are you a current ADP client? Yes No
Step 1 Step 2 Step 3
Your privacy is assured.
| 3,494 | 3,854 |
msmarco_v2.1_doc_01_1665932903#0_2441696524
|
http://insurance.adp.com/what-we-offer/payroll.aspx
|
Small business insurance | Get a quote | ADPIA®
|
Insurance for your new business
Insurance for your new business
Know your options and make the right insurance choices
Workers' compensation
Small business insurance
Group health insurance
ADPIA delivers benefits beyond insurance
ADP payroll integration
A partner you can count on
Get a quote
Want to speak with us right away? Call us at:
|
Small business insurance | Get a quote | ADPIA®
Insurance for your new business
When you're just starting out, understanding your insurance needs is important. Automatic Data Processing Insurance Agency, Inc. (ADPIA®) can help. Start Quote
Know your options and make the right insurance choices
ADPIA’s licensed insurance agents can help you develop a strategy to protect your business. Workers' compensation
A workers' compensation policy provides medical care and compensation benefits to your employees if they suffer an occupational disease or accidental injury while at work. Workers' Compensation
Small business insurance
As your business grows, so will your assets and employees. From general liability, to commercial auto, to umbrella and business owner's policies, ADPIA can help you understand your options. Business Insurance
Group health insurance
Group health coverage – including medical, dental, vision, disability and life insurance - offers your employees access to health services covered by your plan options. Group Health
ADPIA delivers benefits beyond insurance
As an affiliate of ADP, we’re able to provide you with additional opportunities to improve efficiency. You can then refocus freed-up resources back toward running your small business. ADP payroll integration
By connecting your business insurance administration and payroll services, you can use products like ADPs Pay-by-Pay, Certificates Manager (for workers' compensation certificates of insurance) and premium only plan to help you better manage costs, cash flow and reduce time spent on insurance-related administrative tasks.
| 0 | 1,613 |
msmarco_v2.1_doc_01_1665932903#1_2441698774
|
http://insurance.adp.com/what-we-offer/payroll.aspx
|
Small business insurance | Get a quote | ADPIA®
|
Insurance for your new business
Insurance for your new business
Know your options and make the right insurance choices
Workers' compensation
Small business insurance
Group health insurance
ADPIA delivers benefits beyond insurance
ADP payroll integration
A partner you can count on
Get a quote
Want to speak with us right away? Call us at:
|
From general liability, to commercial auto, to umbrella and business owner's policies, ADPIA can help you understand your options. Business Insurance
Group health insurance
Group health coverage – including medical, dental, vision, disability and life insurance - offers your employees access to health services covered by your plan options. Group Health
ADPIA delivers benefits beyond insurance
As an affiliate of ADP, we’re able to provide you with additional opportunities to improve efficiency. You can then refocus freed-up resources back toward running your small business. ADP payroll integration
By connecting your business insurance administration and payroll services, you can use products like ADPs Pay-by-Pay, Certificates Manager (for workers' compensation certificates of insurance) and premium only plan to help you better manage costs, cash flow and reduce time spent on insurance-related administrative tasks. A partner you can count on
At ADPIA, we're here to help. Our licensed, experienced agents can help you understand options, implement your choices and help you manage your policies. That means you'll have more time to focus on growing your business. Get a quote
Want to speak with us right away? Call us at:
| 687 | 1,920 |
msmarco_v2.1_doc_01_1665932903#2_2441700626
|
http://insurance.adp.com/what-we-offer/payroll.aspx
|
Small business insurance | Get a quote | ADPIA®
|
Insurance for your new business
Insurance for your new business
Know your options and make the right insurance choices
Workers' compensation
Small business insurance
Group health insurance
ADPIA delivers benefits beyond insurance
ADP payroll integration
A partner you can count on
Get a quote
Want to speak with us right away? Call us at:
|
A partner you can count on
At ADPIA, we're here to help. Our licensed, experienced agents can help you understand options, implement your choices and help you manage your policies. That means you'll have more time to focus on growing your business. Get a quote
Want to speak with us right away? Call us at: 855-237-5335
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Antarctica
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Are you a current ADP client? Yes No
Interested in (check all that apply): Workers' Compensation ADP's Pay-by-Pay Premium Payment Plan
Workers' Compensation Workers' Compensation Insurance ADP's Pay-by-Pay Premium Payment Plan
Business Insurance Certificates of Insurance Business Owners Policy Commercial Auto Umbrella Insurance Service & Support
Group Health Medical Insurance Dental & Vision Insurance Life & Disability Insurance
Payroll Services Payroll
By clicking Start Quote, you acknowledge that you have read our Privacy Statement and agree to our Terms of Use. Your privacy is assured.
| 1,613 | 8,719 |
msmarco_v2.1_doc_01_1665942537#0_2441708652
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http://insurance.adp.com/what-we-offer/property-and-casualty/ny-disability.aspx
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NYS Disability Insurance | New York State Disability | ADPIA®
|
NYS Disability Insurance
NYS Disability Insurance
Protect your New York-based employees and your business
What is NYS Disability Insurance?
What you need to know about NYS Disability Insurance
Get a quote
Want to speak with us right away? Call us at:
|
NYS Disability Insurance | New York State Disability | ADPIA®
NYS Disability Insurance
Required coverage for companies with New York-based employees. Start Quote
Protect your New York-based employees and your business
New York Disability Insurance requirements mandate employers provide disability benefits coverage to employees for an off-the-job injury or illness. Automated Data Processing Insurance Agency, Inc. (ADPIA®) can help you obtain this essential coverage. What is NYS Disability Insurance? New York state disability insurance provides temporary cash benefits to an eligible wage earner when he or she is disabled by an illness or injury that occurs off the clock or becomes disabled due to pregnancy. What you need to know about NYS Disability Insurance
Whether you are a NY-based company or have just a single NY-based employee, you are required by law to provide disability benefits to all eligible New York employees. Complying with New York State’s Disability Benefits Law1
Disabled employees based in New York are entitled to receive weekly cash benefits to replace, in part, wages lost due to an illness or injury that does not arise out of or over the course of their employment: Disability benefits include cash payments only
Employers and insurance carriers are not responsible for medical care
There may be significant penalties for failing to secure NYS Disability Insurance
Get a quote
Want to speak with us right away? Call us at: 855-237-5335
Your privacy is assured.
| 0 | 1,495 |
msmarco_v2.1_doc_01_1665942537#1_2441710723
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http://insurance.adp.com/what-we-offer/property-and-casualty/ny-disability.aspx
|
NYS Disability Insurance | New York State Disability | ADPIA®
|
NYS Disability Insurance
NYS Disability Insurance
Protect your New York-based employees and your business
What is NYS Disability Insurance?
What you need to know about NYS Disability Insurance
Get a quote
Want to speak with us right away? Call us at:
|
What you need to know about NYS Disability Insurance
Whether you are a NY-based company or have just a single NY-based employee, you are required by law to provide disability benefits to all eligible New York employees. Complying with New York State’s Disability Benefits Law1
Disabled employees based in New York are entitled to receive weekly cash benefits to replace, in part, wages lost due to an illness or injury that does not arise out of or over the course of their employment: Disability benefits include cash payments only
Employers and insurance carriers are not responsible for medical care
There may be significant penalties for failing to secure NYS Disability Insurance
Get a quote
Want to speak with us right away? Call us at: 855-237-5335
Your privacy is assured. Get a quote
Are you a current ADP client? Yes No
Step 1 Step 2 Step 3
Your privacy is assured. 1 NY State Disability Statute: WCL §211 - http://www.wcb.ny.gov/content/main/DisabilityBenefits/Employer/complyWithLaw.jsp#dbPlans
| 714 | 1,721 |
msmarco_v2.1_doc_01_1665944800#0_2441712301
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http://insurance.adp.com/what-we-offer/property-and-casualty/pay-by-pay.aspx
|
Pay-by-Pay® premium payment program | ADPIA®
|
Pay-by-Pay® Premium Payment Program
Pay-by-Pay® Premium Payment Program
Smarter, more efficient workers’ compensation payments.
Improved cash flow
Greater accuracy
More time to focus on your business
An overall better experience.
Pay-by-Pay simplifies your audit
Frequently asked questions about Pay-by-Pay
Get a quote
Want to speak with us right away? Call us at:
|
Pay-by-Pay® premium payment program | ADPIA®
Pay-by-Pay® Premium Payment Program
You may improve cash flow and save time by integrating your workers' compensation premium payments directly with your payroll. Start Quote
Smarter, more efficient workers’ compensation payments. If you use ADP® for payroll and Automatic Data Processing Insurance Agency, Inc. (ADPIA®) as broker for your workers' compensation coverage, Pay-by-Pay makes premium payments directly to your carrier each time you run payroll. That means: Improved cash flow
With deposits of 25–100%, combined with limited payment options, traditional workers' compensation premium payments can impact your cashflow. With ADP’s Pay-by-Pay solution, you may be able to eliminate the upfront binder deposit with most carriers 1, and spread your premium payments across your payroll life-cycle. Greater accuracy
Pay-by-Pay uses your actual payroll data and carrier rates to help calculate premiums. This minimizes the likelihood of over- or underpayment and helps to minimize the possibility of your company needing to make adjustments at your year-end audit. More time to focus on your business
With Pay-by-Pay, our affiliate ADP automatically forwards your premiums directly to your carrier for you. You can rest easy knowing your payments will arrive on time — reducing the risk of late payment policy cancellations.
| 0 | 1,375 |
msmarco_v2.1_doc_01_1665944800#1_2441714395
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http://insurance.adp.com/what-we-offer/property-and-casualty/pay-by-pay.aspx
|
Pay-by-Pay® premium payment program | ADPIA®
|
Pay-by-Pay® Premium Payment Program
Pay-by-Pay® Premium Payment Program
Smarter, more efficient workers’ compensation payments.
Improved cash flow
Greater accuracy
More time to focus on your business
An overall better experience.
Pay-by-Pay simplifies your audit
Frequently asked questions about Pay-by-Pay
Get a quote
Want to speak with us right away? Call us at:
|
With ADP’s Pay-by-Pay solution, you may be able to eliminate the upfront binder deposit with most carriers 1, and spread your premium payments across your payroll life-cycle. Greater accuracy
Pay-by-Pay uses your actual payroll data and carrier rates to help calculate premiums. This minimizes the likelihood of over- or underpayment and helps to minimize the possibility of your company needing to make adjustments at your year-end audit. More time to focus on your business
With Pay-by-Pay, our affiliate ADP automatically forwards your premiums directly to your carrier for you. You can rest easy knowing your payments will arrive on time — reducing the risk of late payment policy cancellations. An overall better experience. In fact, 81% of ADP clients prefer ADPIA® as their insurance broker, and combined with ADP's Pay-by-Pay over their previous broker without a payment plan option. 2
71% of businesses have said using our Pay-by-Pay premium payment program made preparing for their workers’ comp audit easier. 2
Pay-by-Pay simplifies your audit
Detailed reporting allows you to track and manage premiums paid every time you process payroll. You’ll have access to information at the employee, state, and class-code level, allowing you to manage your workers' compensation expenses better.
| 675 | 1,973 |
msmarco_v2.1_doc_01_1665944800#2_2441716392
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http://insurance.adp.com/what-we-offer/property-and-casualty/pay-by-pay.aspx
|
Pay-by-Pay® premium payment program | ADPIA®
|
Pay-by-Pay® Premium Payment Program
Pay-by-Pay® Premium Payment Program
Smarter, more efficient workers’ compensation payments.
Improved cash flow
Greater accuracy
More time to focus on your business
An overall better experience.
Pay-by-Pay simplifies your audit
Frequently asked questions about Pay-by-Pay
Get a quote
Want to speak with us right away? Call us at:
|
An overall better experience. In fact, 81% of ADP clients prefer ADPIA® as their insurance broker, and combined with ADP's Pay-by-Pay over their previous broker without a payment plan option. 2
71% of businesses have said using our Pay-by-Pay premium payment program made preparing for their workers’ comp audit easier. 2
Pay-by-Pay simplifies your audit
Detailed reporting allows you to track and manage premiums paid every time you process payroll. You’ll have access to information at the employee, state, and class-code level, allowing you to manage your workers' compensation expenses better. Frequently asked questions about Pay-by-Pay
How does ADP's Pay-by-Pay program work? Each time a client runs payroll with ADP, the premiums for their workers' compensation policy are calculated and forwarded directly to the insurance carrier. What are the benefits of ADP's Pay-by-Pay? ADP's Pay-by-Pay automates the payment of insurance premiums, offering clients: Improved cash flow — since your payments are spread over your payroll cycle
Greater convenience with premium payments made directly to your carrier.
| 1,375 | 2,487 |
msmarco_v2.1_doc_01_1665944800#3_2441718199
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http://insurance.adp.com/what-we-offer/property-and-casualty/pay-by-pay.aspx
|
Pay-by-Pay® premium payment program | ADPIA®
|
Pay-by-Pay® Premium Payment Program
Pay-by-Pay® Premium Payment Program
Smarter, more efficient workers’ compensation payments.
Improved cash flow
Greater accuracy
More time to focus on your business
An overall better experience.
Pay-by-Pay simplifies your audit
Frequently asked questions about Pay-by-Pay
Get a quote
Want to speak with us right away? Call us at:
|
Frequently asked questions about Pay-by-Pay
How does ADP's Pay-by-Pay program work? Each time a client runs payroll with ADP, the premiums for their workers' compensation policy are calculated and forwarded directly to the insurance carrier. What are the benefits of ADP's Pay-by-Pay? ADP's Pay-by-Pay automates the payment of insurance premiums, offering clients: Improved cash flow — since your payments are spread over your payroll cycle
Greater convenience with premium payments made directly to your carrier. This helps to reduce administrative burdens by eliminating the time and guesswork involved in calculating premium amounts. Accurate accounting with premiums based on your actual payroll data
What are the requirements to participate in ADP's Pay-by-Pay program? Clients who meet the following criteria are eligible: Are using ADP Payroll and subscribe to ADP Payroll Tax Filing
Have consistent payroll processing
Hold an insurance policy with an ADPIA participating carrier partner in which ADPIA is the agent of record (excluding Ohio, please see below). How can I determine the premiums I've paid on my policy?
| 1,973 | 3,099 |
msmarco_v2.1_doc_01_1665944800#4_2441720005
|
http://insurance.adp.com/what-we-offer/property-and-casualty/pay-by-pay.aspx
|
Pay-by-Pay® premium payment program | ADPIA®
|
Pay-by-Pay® Premium Payment Program
Pay-by-Pay® Premium Payment Program
Smarter, more efficient workers’ compensation payments.
Improved cash flow
Greater accuracy
More time to focus on your business
An overall better experience.
Pay-by-Pay simplifies your audit
Frequently asked questions about Pay-by-Pay
Get a quote
Want to speak with us right away? Call us at:
|
This helps to reduce administrative burdens by eliminating the time and guesswork involved in calculating premium amounts. Accurate accounting with premiums based on your actual payroll data
What are the requirements to participate in ADP's Pay-by-Pay program? Clients who meet the following criteria are eligible: Are using ADP Payroll and subscribe to ADP Payroll Tax Filing
Have consistent payroll processing
Hold an insurance policy with an ADPIA participating carrier partner in which ADPIA is the agent of record (excluding Ohio, please see below). How can I determine the premiums I've paid on my policy? As an ADP Pay-by-Pay client, you will receive the Pay-by-Pay Premium Report that helps you track your policy premiums. This report is available every time you process payroll and provides a breakdown of premiums paid by employee, class code, and check date, and also gives you a year to date total. Click here for a sample Pay-by-Pay report. How can I access ADP's Pay-by-Pay Premium Payment Reports? Since Pay-by-Pay reports contain highly sensitive information such as employee payroll amounts, we offer three secure ways to obtain them:
| 2,488 | 3,639 |
msmarco_v2.1_doc_01_1665944800#5_2441721830
|
http://insurance.adp.com/what-we-offer/property-and-casualty/pay-by-pay.aspx
|
Pay-by-Pay® premium payment program | ADPIA®
|
Pay-by-Pay® Premium Payment Program
Pay-by-Pay® Premium Payment Program
Smarter, more efficient workers’ compensation payments.
Improved cash flow
Greater accuracy
More time to focus on your business
An overall better experience.
Pay-by-Pay simplifies your audit
Frequently asked questions about Pay-by-Pay
Get a quote
Want to speak with us right away? Call us at:
|
As an ADP Pay-by-Pay client, you will receive the Pay-by-Pay Premium Report that helps you track your policy premiums. This report is available every time you process payroll and provides a breakdown of premiums paid by employee, class code, and check date, and also gives you a year to date total. Click here for a sample Pay-by-Pay report. How can I access ADP's Pay-by-Pay Premium Payment Reports? Since Pay-by-Pay reports contain highly sensitive information such as employee payroll amounts, we offer three secure ways to obtain them: Via secure email each time you process payroll
Via your payroll platform online processing system, available 24 hours a day / 7 days a week to our RUN Powered by ADP® clients
By contacting our customer service department at 1-800-524-7024, option 3
My business is in Ohio. Can I participate in ADP's Pay-by-Pay program? Yes. Ohio-based businesses must obtained workers' compensation coverage through the Ohio Bureau of Workers' Compensation (BWC) — but we do offer ADP's Pay-by-Pay service to Ohio clients. This benefit enables the insured to have their premiums calculated on actual payroll runs.
| 3,099 | 4,237 |
msmarco_v2.1_doc_01_1665944800#6_2441723651
|
http://insurance.adp.com/what-we-offer/property-and-casualty/pay-by-pay.aspx
|
Pay-by-Pay® premium payment program | ADPIA®
|
Pay-by-Pay® Premium Payment Program
Pay-by-Pay® Premium Payment Program
Smarter, more efficient workers’ compensation payments.
Improved cash flow
Greater accuracy
More time to focus on your business
An overall better experience.
Pay-by-Pay simplifies your audit
Frequently asked questions about Pay-by-Pay
Get a quote
Want to speak with us right away? Call us at:
|
Via secure email each time you process payroll
Via your payroll platform online processing system, available 24 hours a day / 7 days a week to our RUN Powered by ADP® clients
By contacting our customer service department at 1-800-524-7024, option 3
My business is in Ohio. Can I participate in ADP's Pay-by-Pay program? Yes. Ohio-based businesses must obtained workers' compensation coverage through the Ohio Bureau of Workers' Compensation (BWC) — but we do offer ADP's Pay-by-Pay service to Ohio clients. This benefit enables the insured to have their premiums calculated on actual payroll runs. ADPIA then remits those premium payments to the Ohio BWC. How am I billed for workers' compensation insurance if I'm not using ADP's Pay-by-Pay? Direct billing is an option for clients that prefer to receive a bill for their workers' compensation premiums that come directly from their insurance carrier. How are premiums calculated? Carrier rate x Payroll (Per $100) = Premium
This calculation results in your base rate and can be found on the declaration page of your policy.
| 3,639 | 4,715 |
msmarco_v2.1_doc_01_1665944800#7_2441725411
|
http://insurance.adp.com/what-we-offer/property-and-casualty/pay-by-pay.aspx
|
Pay-by-Pay® premium payment program | ADPIA®
|
Pay-by-Pay® Premium Payment Program
Pay-by-Pay® Premium Payment Program
Smarter, more efficient workers’ compensation payments.
Improved cash flow
Greater accuracy
More time to focus on your business
An overall better experience.
Pay-by-Pay simplifies your audit
Frequently asked questions about Pay-by-Pay
Get a quote
Want to speak with us right away? Call us at:
|
ADPIA then remits those premium payments to the Ohio BWC. How am I billed for workers' compensation insurance if I'm not using ADP's Pay-by-Pay? Direct billing is an option for clients that prefer to receive a bill for their workers' compensation premiums that come directly from their insurance carrier. How are premiums calculated? Carrier rate x Payroll (Per $100) = Premium
This calculation results in your base rate and can be found on the declaration page of your policy. Why is there a difference between the rate listed on my policy and the rate listed on my Pay-by-Pay report? Additional factors that can impact your base rate include: Experience modification
Carrier determined premium discount
Expense constant
State assessments and taxes
Terrorism charge
The above items are factored into your base rate to calculate your net rate. Net rates are used in the collection of premiums via ADP's Pay-by-Pay product. Get a quote
Want to speak with us right away?
| 4,238 | 5,206 |
msmarco_v2.1_doc_01_1665944800#8_2441727057
|
http://insurance.adp.com/what-we-offer/property-and-casualty/pay-by-pay.aspx
|
Pay-by-Pay® premium payment program | ADPIA®
|
Pay-by-Pay® Premium Payment Program
Pay-by-Pay® Premium Payment Program
Smarter, more efficient workers’ compensation payments.
Improved cash flow
Greater accuracy
More time to focus on your business
An overall better experience.
Pay-by-Pay simplifies your audit
Frequently asked questions about Pay-by-Pay
Get a quote
Want to speak with us right away? Call us at:
|
Why is there a difference between the rate listed on my policy and the rate listed on my Pay-by-Pay report? Additional factors that can impact your base rate include: Experience modification
Carrier determined premium discount
Expense constant
State assessments and taxes
Terrorism charge
The above items are factored into your base rate to calculate your net rate. Net rates are used in the collection of premiums via ADP's Pay-by-Pay product. Get a quote
Want to speak with us right away? Call us at: 855-237-5335
Your privacy is assured. Get a quote
Are you a current ADP client? Yes No
Step 1 Step 2 Step 3
Your privacy is assured. 1 While premium deposits may be eliminated by most carriers, mandatory state assessment fees may be required in some states.
| 4,715 | 5,476 |
msmarco_v2.1_doc_01_1665944800#9_2441728498
|
http://insurance.adp.com/what-we-offer/property-and-casualty/pay-by-pay.aspx
|
Pay-by-Pay® premium payment program | ADPIA®
|
Pay-by-Pay® Premium Payment Program
Pay-by-Pay® Premium Payment Program
Smarter, more efficient workers’ compensation payments.
Improved cash flow
Greater accuracy
More time to focus on your business
An overall better experience.
Pay-by-Pay simplifies your audit
Frequently asked questions about Pay-by-Pay
Get a quote
Want to speak with us right away? Call us at:
|
Call us at: 855-237-5335
Your privacy is assured. Get a quote
Are you a current ADP client? Yes No
Step 1 Step 2 Step 3
Your privacy is assured. 1 While premium deposits may be eliminated by most carriers, mandatory state assessment fees may be required in some states. 2 Based on internal study of ADP Payroll clients using RUN powered by ADP®, ADP’s Pay-by-Pay® Premium Payment Program, and a workers’ compensation policy brokered by ADPIA
| 5,207 | 5,648 |
msmarco_v2.1_doc_01_1665951222#0_2441729634
|
http://insurance.adp.com/what-we-offer/property-and-casualty/workers-compensation.aspx
|
Business insurance | Get a quote | ADPIA®
|
Business insurance & general liability
Business insurance & general liability
ADPIA — a trusted partner in helping to protect your business
The benefits of business insurance
Safeguard your assets
Protect the people you count on
Understanding your options and meeting your needs
Making it all a little easier
Get a quote
Want to speak with us right away? Call us at:
|
Business insurance | Get a quote | ADPIA®
Business insurance & general liability
Make sure your business is protected. Start Quote
ADPIA — a trusted partner in helping to protect your business
Every day you invest time and energy into growing your business. Protecting that investment is important. Automatic Data Processing Insurance Agency, Inc. (ADPIA®) can help. The benefits of business insurance
Knowing you've got the right coverage to protect you and your company allows you to stay focused on growing your business. Business insurance helps you: Safeguard your assets
Insure your property, equipment and other assets against mishaps like theft and fires. Protect the people you count on
Workers' compensation and disability coverage protect your employees in the event of a work-related injury. Understanding your options and meeting your needs
Our licensed business insurance agents are ready to work with you to find coverage options for your business. We have relationships with A-rated carriers nationwide to cover your insurance needs, including:
| 0 | 1,060 |
msmarco_v2.1_doc_01_1665951222#1_2441731378
|
http://insurance.adp.com/what-we-offer/property-and-casualty/workers-compensation.aspx
|
Business insurance | Get a quote | ADPIA®
|
Business insurance & general liability
Business insurance & general liability
ADPIA — a trusted partner in helping to protect your business
The benefits of business insurance
Safeguard your assets
Protect the people you count on
Understanding your options and meeting your needs
Making it all a little easier
Get a quote
Want to speak with us right away? Call us at:
|
Business insurance helps you: Safeguard your assets
Insure your property, equipment and other assets against mishaps like theft and fires. Protect the people you count on
Workers' compensation and disability coverage protect your employees in the event of a work-related injury. Understanding your options and meeting your needs
Our licensed business insurance agents are ready to work with you to find coverage options for your business. We have relationships with A-rated carriers nationwide to cover your insurance needs, including: Workers’ compensation
Business owner's policy (BOP)
General liability
Commercial auto
Commercial umbrella
NYS Disability Insurance
It's important to consult a licensed insurance agent to discuss unique coverage options that are most appropriate for your business. This may include cyber, commercial flood, employers professional liability insurance and others. Making it all a little easier
As an affiliate of ADP®, ADPIA can help you simplify insurance administration: Easily see policy information on RUN Powered by ADP®.* Streamline your workers' compensation administration by integrating your premium payments with ADP's payroll and pay-as-you-go solution.
| 525 | 1,722 |
msmarco_v2.1_doc_01_1665951222#2_2441733263
|
http://insurance.adp.com/what-we-offer/property-and-casualty/workers-compensation.aspx
|
Business insurance | Get a quote | ADPIA®
|
Business insurance & general liability
Business insurance & general liability
ADPIA — a trusted partner in helping to protect your business
The benefits of business insurance
Safeguard your assets
Protect the people you count on
Understanding your options and meeting your needs
Making it all a little easier
Get a quote
Want to speak with us right away? Call us at:
|
Workers’ compensation
Business owner's policy (BOP)
General liability
Commercial auto
Commercial umbrella
NYS Disability Insurance
It's important to consult a licensed insurance agent to discuss unique coverage options that are most appropriate for your business. This may include cyber, commercial flood, employers professional liability insurance and others. Making it all a little easier
As an affiliate of ADP®, ADPIA can help you simplify insurance administration: Easily see policy information on RUN Powered by ADP®.* Streamline your workers' compensation administration by integrating your premium payments with ADP's payroll and pay-as-you-go solution. ADP's Certificates Manager allows you to generate and manage your certificates of insurance 1, how and when you need them. Service and support is available to you from our experienced, licensed agents. * The insurance portal is available to ADP clients who use the RUN powered by ADP® payroll service. Only information for policies purchased through ADPIA can be viewed on RUN. ADPIA really earned our business... They showed me — by what they did, not just what they said — that they are very responsive to serving the needs of their customers.
| 1,060 | 2,268 |
msmarco_v2.1_doc_01_1665951222#3_2441735171
|
http://insurance.adp.com/what-we-offer/property-and-casualty/workers-compensation.aspx
|
Business insurance | Get a quote | ADPIA®
|
Business insurance & general liability
Business insurance & general liability
ADPIA — a trusted partner in helping to protect your business
The benefits of business insurance
Safeguard your assets
Protect the people you count on
Understanding your options and meeting your needs
Making it all a little easier
Get a quote
Want to speak with us right away? Call us at:
|
ADP's Certificates Manager allows you to generate and manage your certificates of insurance 1, how and when you need them. Service and support is available to you from our experienced, licensed agents. * The insurance portal is available to ADP clients who use the RUN powered by ADP® payroll service. Only information for policies purchased through ADPIA can be viewed on RUN. ADPIA really earned our business... They showed me — by what they did, not just what they said — that they are very responsive to serving the needs of their customers. Karen Miholics, Corporate Controller
AC Lordi
Get a quote
Want to speak with us right away? Call us at: 855-237-5335
Your privacy is assured. 1 Only available to ADP Payroll clients using RUN powered by ADP® with ADP’s Pay-by-Pay® premium payment program for Workers’ Compensation. Not available to Teledata clients.
| 1,722 | 2,585 |
msmarco_v2.1_doc_01_1665951222#4_2441736736
|
http://insurance.adp.com/what-we-offer/property-and-casualty/workers-compensation.aspx
|
Business insurance | Get a quote | ADPIA®
|
Business insurance & general liability
Business insurance & general liability
ADPIA — a trusted partner in helping to protect your business
The benefits of business insurance
Safeguard your assets
Protect the people you count on
Understanding your options and meeting your needs
Making it all a little easier
Get a quote
Want to speak with us right away? Call us at:
|
Karen Miholics, Corporate Controller
AC Lordi
Get a quote
Want to speak with us right away? Call us at: 855-237-5335
Your privacy is assured. 1 Only available to ADP Payroll clients using RUN powered by ADP® with ADP’s Pay-by-Pay® premium payment program for Workers’ Compensation. Not available to Teledata clients. Excludes specific waivers of subrogation and other special requirements that may be needed in a certificate of insurance. A blanket waiver of subrogation will be available to apply if already applicable on your policy. You must contact ADPIA’s licensed service agent, if your request for a certificate of insurance requires a specific waiver of subrogation. Additional fees and premium may apply.
| 2,268 | 2,982 |
msmarco_v2.1_doc_01_1665954919#0_2441738142
|
http://insurance.arkansas.gov/pages/industry-regulation/licensing/
|
Licensing | Arkansas Insurance Department
|
Licensing
Licensing
Importan t – Please read Bulletin 12-2019 pertaining to Online Payment of Producer Licensing Fees as of January 1, 2020!
Click here for important changes to the Arkansas Insurance payment process for exams
Apply or Renew a license
State Based Systems - SBS
Renewal Fees and Late Fees
|
Licensing | Arkansas Insurance Department
Licensing
The Licensing Division is responsible for the licensing of resident and nonresident producers, adjusters, title agents, and business entities that are soliciting, selling or negotiating insurance in the State of Arkansas. License oversees the producer examinations and investigates all resident applicants by reviewing Arkansas State Police records. It also ensures that necessary laws are followed regarding license renewals and continuing education. Importan t – Please read Bulletin 12-2019 pertaining to Online Payment of Producer Licensing Fees as of January 1, 2020! Click here for important changes to the Arkansas Insurance payment process for exams
Apply or Renew a license
Print your License
Get your education transcript
Change an e-mail address
Review your license information via Mobile App
Look up CE providers & courses
State Based Systems - SBS
( Licensee lookup and Report Generator ) the electronic system owned by the NAIC and enhanced in partnership with state insurance departments to more efficiently and effectively process license applications, renewals, educational requirements and inquiries. Electronic Agency Affilliations - add/remove producers from agency license, add/remove the Designated Responsible License Producer (DRLP), or add/remove surplus lines producers from agency surplus lines license. Users Guide
Electronic Filing - information on what applications, changes that may be made on-line. Renewal Fees and Late Fees
National Producer Number (NPN) Lookup - NPN is a unique number that identifies each producer entity in the National Insurance Producer Registry (NIPR). Catastrophe Adjusters - Effective 7/31/2009 Arkansas Law requires all adjusters coming into Arkansas to adjust claims as a result of a declared catastrophe to register with the Department. Public adjusters are prohibited from adjusting claims in Arkansas.
| 0 | 1,918 |
msmarco_v2.1_doc_01_1665954919#1_2441740648
|
http://insurance.arkansas.gov/pages/industry-regulation/licensing/
|
Licensing | Arkansas Insurance Department
|
Licensing
Licensing
Importan t – Please read Bulletin 12-2019 pertaining to Online Payment of Producer Licensing Fees as of January 1, 2020!
Click here for important changes to the Arkansas Insurance payment process for exams
Apply or Renew a license
State Based Systems - SBS
Renewal Fees and Late Fees
|
Electronic Agency Affilliations - add/remove producers from agency license, add/remove the Designated Responsible License Producer (DRLP), or add/remove surplus lines producers from agency surplus lines license. Users Guide
Electronic Filing - information on what applications, changes that may be made on-line. Renewal Fees and Late Fees
National Producer Number (NPN) Lookup - NPN is a unique number that identifies each producer entity in the National Insurance Producer Registry (NIPR). Catastrophe Adjusters - Effective 7/31/2009 Arkansas Law requires all adjusters coming into Arkansas to adjust claims as a result of a declared catastrophe to register with the Department. Public adjusters are prohibited from adjusting claims in Arkansas. Latest Disaster Declaration
Catastrophe Adjusters
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http://insurance.illinois.gov/
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Welcome To the Illinois Department of Insurance
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Special Enrollment Period (SEP) in Response to COVID-19 Enrollment deadline extended to August 15, 2021
Newsroom
Latest News and Information
Meeting for 4-14-2021 has been cancelled and rescheduled for 5-19-2021
IDOI Chief Deputy Director Shannon Whalen to Serve as Interim Acting Director
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Welcome To the Illinois Department of Insurance
Special Enrollment Period (SEP) in Response to COVID-19 Enrollment deadline extended to August 15, 2021
Photo courtesy of NAIC
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Newsroom
News
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Reports
Disasters
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RSS - Subscribe to IDOI News | Archived News Releases
May 17, 2021 — Meeting Notice: MHSUD Working Group for 5-19-2021
5-19-2021 MHSUD Working Group Agenda
April 20, 2021 — Public Notice for Mental Health Party Working Group Meeting Cancellation for 4-23-21
Cancellation Notice
State of Illinois, Department of Insurance, Department of Healthcare and Family Services, of the Public Act 100-1024 Working Group regarding Mental Health Parity. Notice is hereby given that that meeting of the Working Group regarding Mental Health Parity scheduled for April 23, 2021, from 11:00 AM- 12:00 PM, Central Time, via Webex conference call, for the purpose of discussing issues related to Mental Health Parity is cancelled. April 13, 2021 — Don’t Let Spring Rains Flood Your Future
With threat of spring flooding, state officials urge residents to consider flood insurance
SPRINGFIELD – As Illinoisans welcome April showers and May flowers, the Illinois Department of Natural Resources (IDNR), Illinois Department of Insurance (IDOI), Illinois Emergency Management Agency (IEMA) and local emergency management agencies throughout Illinois are reminding Illinoisans to invest in flood insurance to protect their homes and businesses from flooding emergencies. Press Release
April 12, 2021 — Working Group Regarding Treatment and Coverage of Substance Abuse Disorders and Mental Illness
Meeting for 4-14-2021 has been cancelled and rescheduled for 5-19-2021
Notice of cancelled 4-14-2021 Meeting | Meeting Agenda for 5-19-2021
April 09, 2021 — Illinois Department of Insurance announces ACA Marketplace enrollment nearly doubled during the 2021 Special Enrollment Period compared to the same period last year
Chicago - Illinoisans are signing up for ACA Health Insurance Marketplace plans at nearly twice the rate of this time last year, according to federal CMS numbers released this week. Nearly 15,000 Illinois consumers purchased and enrolled in health plans since February, when President Biden signed an executive order to open the ACA Marketplace for a new Special Enrollment in response to COVID-19. Unlike other SEPs, consumers are not required to provide proof of a qualifying life event, such as getting married, having a baby, or losing job-based coverage to enroll. The SEP in response to COVID-19 runs through August 15, 2021. Since the federal marketplace opened, from February 15 - March 31, 2021, the number of new plan selections in Illinois is 14,496 compared to 7,757 during the same period in 2020 and 7,459 in 2019. Press Release
March 25, 2021 — Illinois Department of Insurance Announces ACA Marketplace Enrollment Deadline is Extended to August 15, 2021
Chicago - Eligible Illinoisans now have more time to sign up for ACA Health Insurance Marketplace plans.
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http://insurance.illinois.gov/
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Welcome To the Illinois Department of Insurance
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Special Enrollment Period (SEP) in Response to COVID-19 Enrollment deadline extended to August 15, 2021
Newsroom
Latest News and Information
Meeting for 4-14-2021 has been cancelled and rescheduled for 5-19-2021
IDOI Chief Deputy Director Shannon Whalen to Serve as Interim Acting Director
|
Nearly 15,000 Illinois consumers purchased and enrolled in health plans since February, when President Biden signed an executive order to open the ACA Marketplace for a new Special Enrollment in response to COVID-19. Unlike other SEPs, consumers are not required to provide proof of a qualifying life event, such as getting married, having a baby, or losing job-based coverage to enroll. The SEP in response to COVID-19 runs through August 15, 2021. Since the federal marketplace opened, from February 15 - March 31, 2021, the number of new plan selections in Illinois is 14,496 compared to 7,757 during the same period in 2020 and 7,459 in 2019. Press Release
March 25, 2021 — Illinois Department of Insurance Announces ACA Marketplace Enrollment Deadline is Extended to August 15, 2021
Chicago - Eligible Illinoisans now have more time to sign up for ACA Health Insurance Marketplace plans. President Biden has extended the deadline for the Special Enrollment Period in Response to COVID-19 from May 15th to August 15th. Press Release
March 5, 2021 — Mental Health Parity Working Group Agenda for 3-19-2021
Meeting Agenda | Materials-1 | Materials-2
March 1, 2021 — Company Plan of Division Hearings
Notice of hearing date and time Allstate Division: Hearing No. 21-HR-0010
DATE: Wednesday, March 3, 2021, and, if required, Thursday, March 4, 2021
TIME:
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http://insurance.illinois.gov/
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Welcome To the Illinois Department of Insurance
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Special Enrollment Period (SEP) in Response to COVID-19 Enrollment deadline extended to August 15, 2021
Newsroom
Latest News and Information
Meeting for 4-14-2021 has been cancelled and rescheduled for 5-19-2021
IDOI Chief Deputy Director Shannon Whalen to Serve as Interim Acting Director
|
President Biden has extended the deadline for the Special Enrollment Period in Response to COVID-19 from May 15th to August 15th. Press Release
March 5, 2021 — Mental Health Parity Working Group Agenda for 3-19-2021
Meeting Agenda | Materials-1 | Materials-2
March 1, 2021 — Company Plan of Division Hearings
Notice of hearing date and time Allstate Division: Hearing No. 21-HR-0010
DATE: Wednesday, March 3, 2021, and, if required, Thursday, March 4, 2021
TIME: 9:00 a.m. CST each day until completed (subject to rescheduling)
The hearing will be conducted virtually via Zoom. Rules for Zoom Meeting
Virtual Hearing Protocol | Virtual Hearing Stipulation and Order
Learn More
February 17, 2021 — 2-19-2021 Mental Health Parity Working Group Agenda
Meeting Agenda | Materials 1 | Materials 2
February 11, 2021 — Gov. Pritzker Announces the ACA Marketplace is Reopening for Illinoisans to Purchase Health Insurance Coverage
February 15th is the start of the new 2021 Special Enrollment Period
Chicago –Governor JB Pritzker is encouraging eligible Illinoisans who do not have health insurance to enroll in an ACA Health Insurance Marketplace plan beginning February 15th. An executive order signed by President Biden allows states, including Illinois, which utilize the federal marketplace to reopen this month to help more people purchase health insurance coverage. The 2021 Special Enrollment Period (SEP) in Response to the COVID-19 Pandemic runs through May 15, 2021. Press Release
February 02, 2021 — Notice of 2021 Supplemental Meetings for the Mental Health Parity Working Group
Meeting Notice
January 27, 2021 — Mental Health Parity Working Group Agenda For 01-29-2021
Meeting Agenda
Working Group Materials Part 1 | Part 2 | Part 3 | Meeting Minutes
January 4, 2021 — Press Release
Gov. Pritzker Announces Director Appointment to the Illinois Department of Insurance
Building on a strong team of diverse experts in their fields, Governor JB Pritzker announced the following appointment in his administration:
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http://insurance.illinois.gov/
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Welcome To the Illinois Department of Insurance
|
Special Enrollment Period (SEP) in Response to COVID-19 Enrollment deadline extended to August 15, 2021
Newsroom
Latest News and Information
Meeting for 4-14-2021 has been cancelled and rescheduled for 5-19-2021
IDOI Chief Deputy Director Shannon Whalen to Serve as Interim Acting Director
|
9:00 a.m. CST each day until completed (subject to rescheduling)
The hearing will be conducted virtually via Zoom. Rules for Zoom Meeting
Virtual Hearing Protocol | Virtual Hearing Stipulation and Order
Learn More
February 17, 2021 — 2-19-2021 Mental Health Parity Working Group Agenda
Meeting Agenda | Materials 1 | Materials 2
February 11, 2021 — Gov. Pritzker Announces the ACA Marketplace is Reopening for Illinoisans to Purchase Health Insurance Coverage
February 15th is the start of the new 2021 Special Enrollment Period
Chicago –Governor JB Pritzker is encouraging eligible Illinoisans who do not have health insurance to enroll in an ACA Health Insurance Marketplace plan beginning February 15th. An executive order signed by President Biden allows states, including Illinois, which utilize the federal marketplace to reopen this month to help more people purchase health insurance coverage. The 2021 Special Enrollment Period (SEP) in Response to the COVID-19 Pandemic runs through May 15, 2021. Press Release
February 02, 2021 — Notice of 2021 Supplemental Meetings for the Mental Health Parity Working Group
Meeting Notice
January 27, 2021 — Mental Health Parity Working Group Agenda For 01-29-2021
Meeting Agenda
Working Group Materials Part 1 | Part 2 | Part 3 | Meeting Minutes
January 4, 2021 — Press Release
Gov. Pritzker Announces Director Appointment to the Illinois Department of Insurance
Building on a strong team of diverse experts in their fields, Governor JB Pritzker announced the following appointment in his administration: Chicago – Dana Popish Severinghaus will serve as Director of the Illinois Department of Insurance (IDOI).* Popish Severinghaus has extensive legal, policy, government relations and insurance industry-related experience, Popish Severinghaus was formerly Legislative and Regulatory Counsel at Allstate Insurance Company where she advised Allstate and its subsidiaries on legal, regulatory and legislative matters across the Midwest. Before that, she served as Senior Policy Advisor at the State of Illinois in Central Management Services where she saw oversaw the Bureau of Benefits. Prior to that, Popish Severinghaus served as the Director of Government Relations for Blue Cross Blue Shield of Illinois. Popish Severinghaus is a Member of the Association of Corporate Counsel, Board Member of the Illinois Insurance Guaranty Fund, Secretary of the Illinois Insurance Association, Advisory Board Member and Co-Chair of Government Relations Advisory Council for the Chicago Children's Advocacy Center, Women in Law Mentor at Chicago Kent College of Law and Auxiliary Board Member of ChildServ.
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http://insurance.illinois.gov/
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Welcome To the Illinois Department of Insurance
|
Special Enrollment Period (SEP) in Response to COVID-19 Enrollment deadline extended to August 15, 2021
Newsroom
Latest News and Information
Meeting for 4-14-2021 has been cancelled and rescheduled for 5-19-2021
IDOI Chief Deputy Director Shannon Whalen to Serve as Interim Acting Director
|
Chicago – Dana Popish Severinghaus will serve as Director of the Illinois Department of Insurance (IDOI).* Popish Severinghaus has extensive legal, policy, government relations and insurance industry-related experience, Popish Severinghaus was formerly Legislative and Regulatory Counsel at Allstate Insurance Company where she advised Allstate and its subsidiaries on legal, regulatory and legislative matters across the Midwest. Before that, she served as Senior Policy Advisor at the State of Illinois in Central Management Services where she saw oversaw the Bureau of Benefits. Prior to that, Popish Severinghaus served as the Director of Government Relations for Blue Cross Blue Shield of Illinois. Popish Severinghaus is a Member of the Association of Corporate Counsel, Board Member of the Illinois Insurance Guaranty Fund, Secretary of the Illinois Insurance Association, Advisory Board Member and Co-Chair of Government Relations Advisory Council for the Chicago Children's Advocacy Center, Women in Law Mentor at Chicago Kent College of Law and Auxiliary Board Member of ChildServ. She earned her Bachelor of Arts in Communication Studies and Journalism & Mass Communications from the University of Iowa and Juris Doctor from Chicago Kent College of Law. * Appointments pending confirmation by the Illinois Senate. Press Release
December 16, 2020 — Public Notice of Business Interruption Task Force Meeting
Business Interruption Insurance Task Force Report to the Governor and General Assembly December 2020
Final Full Report | Appendix | Meeting Minutes (12-14-2020) | Public Notice
December 14, 2020 — Press Release
IDOI Reminds Illinoisans to Enroll in a Health Insurance Plan Before Pending Deadline
ACA Marketplace Open Enrollment Ends December 15th
Chicago – Tomorrow is the last day to enroll in a plan on the Affordable Care Act (ACA) Health Insurance Marketplace during Open Enrollment. The Illinois Department of Insurance (IDOI) encourages consumers to purchase a plan before the December 15th deadline to have health coverage beginning January 2021. There are 179 plans available from eight insurance carriers, and in most counties, consumers have more than one carrier to choose from.
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http://insurance.illinois.gov/
|
Welcome To the Illinois Department of Insurance
|
Special Enrollment Period (SEP) in Response to COVID-19 Enrollment deadline extended to August 15, 2021
Newsroom
Latest News and Information
Meeting for 4-14-2021 has been cancelled and rescheduled for 5-19-2021
IDOI Chief Deputy Director Shannon Whalen to Serve as Interim Acting Director
|
She earned her Bachelor of Arts in Communication Studies and Journalism & Mass Communications from the University of Iowa and Juris Doctor from Chicago Kent College of Law. * Appointments pending confirmation by the Illinois Senate. Press Release
December 16, 2020 — Public Notice of Business Interruption Task Force Meeting
Business Interruption Insurance Task Force Report to the Governor and General Assembly December 2020
Final Full Report | Appendix | Meeting Minutes (12-14-2020) | Public Notice
December 14, 2020 — Press Release
IDOI Reminds Illinoisans to Enroll in a Health Insurance Plan Before Pending Deadline
ACA Marketplace Open Enrollment Ends December 15th
Chicago – Tomorrow is the last day to enroll in a plan on the Affordable Care Act (ACA) Health Insurance Marketplace during Open Enrollment. The Illinois Department of Insurance (IDOI) encourages consumers to purchase a plan before the December 15th deadline to have health coverage beginning January 2021. There are 179 plans available from eight insurance carriers, and in most counties, consumers have more than one carrier to choose from. Press Release
December 12, 2020 — Public Notice of Business Interruption Task Force Meeting For 12-14-2020
Meeting Agenda | Draft Full Report | Appendix
December 07, 2020 — Mental Health Parity Working Group Meeting Agenda For 12-11-2020
Meeting Agenda | Meeting Minutes
December 04, 2020 — Public Notice of Business Interruption Task Force Meeting For 12-07-2020
Meeting Agenda | Meeting Minutes
December 02, 2020 — Press Release
Illinois Department of Insurance Director Announces Departure
IDOI Chief Deputy Director Shannon Whalen to Serve as Interim Acting Director
Chicago – Robert Muriel, Director of the Illinois Department of Insurance, announced today that he’ll leave his position on December 11, 2020. Muriel was appointed to the position by Governor J.B. Pritzker in March 2019. Press Release
November 24, 2020 — Public Notice of Business Interruption Task Force Meeting For 11-30-2020
Meeting Agenda | Meeting Minutes
November 23, 2020 — Public Notice of Business Interruption Task Force 2020 Meetings
Meeting Schedule
November 17, 2020 — Press Release
Illinois Department of Insurance fines former Berkshire Hathaway companies 250-thousand dollars for selling unapproved workers’ comp policies to small businesses
Chicago – The Illinois Department of Insurance (IDOI) fined Continental Indemnity Company and Applied Underwriters, Inc. for overcharging some Illinois small businesses for workers’ compensation insurance. The Department conducted a market conduct examination in 2019 and found that the companies marketed and sold unapproved workers’ compensation policies, packaged with side agreements, in violation of the law. Press Release
The Market Conduct Exam for Continental Indemnity Company can be found here.
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http://insurance.illinois.gov/
|
Welcome To the Illinois Department of Insurance
|
Special Enrollment Period (SEP) in Response to COVID-19 Enrollment deadline extended to August 15, 2021
Newsroom
Latest News and Information
Meeting for 4-14-2021 has been cancelled and rescheduled for 5-19-2021
IDOI Chief Deputy Director Shannon Whalen to Serve as Interim Acting Director
|
Press Release
December 12, 2020 — Public Notice of Business Interruption Task Force Meeting For 12-14-2020
Meeting Agenda | Draft Full Report | Appendix
December 07, 2020 — Mental Health Parity Working Group Meeting Agenda For 12-11-2020
Meeting Agenda | Meeting Minutes
December 04, 2020 — Public Notice of Business Interruption Task Force Meeting For 12-07-2020
Meeting Agenda | Meeting Minutes
December 02, 2020 — Press Release
Illinois Department of Insurance Director Announces Departure
IDOI Chief Deputy Director Shannon Whalen to Serve as Interim Acting Director
Chicago – Robert Muriel, Director of the Illinois Department of Insurance, announced today that he’ll leave his position on December 11, 2020. Muriel was appointed to the position by Governor J.B. Pritzker in March 2019. Press Release
November 24, 2020 — Public Notice of Business Interruption Task Force Meeting For 11-30-2020
Meeting Agenda | Meeting Minutes
November 23, 2020 — Public Notice of Business Interruption Task Force 2020 Meetings
Meeting Schedule
November 17, 2020 — Press Release
Illinois Department of Insurance fines former Berkshire Hathaway companies 250-thousand dollars for selling unapproved workers’ comp policies to small businesses
Chicago – The Illinois Department of Insurance (IDOI) fined Continental Indemnity Company and Applied Underwriters, Inc. for overcharging some Illinois small businesses for workers’ compensation insurance. The Department conducted a market conduct examination in 2019 and found that the companies marketed and sold unapproved workers’ compensation policies, packaged with side agreements, in violation of the law. Press Release
The Market Conduct Exam for Continental Indemnity Company can be found here. November 13, 2020 — Public Notice of Business Interruption Task Force Meetings For 11-16-2020
Meeting Agenda | Meeting Minutes
November 12, 2020 — Mental Health Parity Working Group Meeting Agenda For 11-13-2020
Meeting Agenda | Meeting Materials | Meeting Minutes
November 02, 2020 — Press Release
Illinois Department of Insurance announces the start of ACA Marketplace Open Enrollment
Illinois consumers can go to getcoveredillinois.gov for enrollment and financial help
Chicago - Illinoisans can shop for health insurance on the Affordable Care Act (ACA) Health Insurance Marketplace. Open Enrollment began Sunday, November 1 and runs through December 15, 2020. The Illinois Department of Insurance (IDOI) recommends consumers begin their search at getcoveredillinois.gov to find accurate information to help compare health plans, get free enrollment help and even financial assistance (if they qualify). Press Release
November 2, 2020 — Public Notice of Business Interruption Task Force 2020 Mee
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View up to date information on how Illinois is handling the Coronavirus Disease 2019 (COVID-19) from the Illinois Department of Public Health
Director Robert H. Muriel
Governor JB Pritzker
IDOI OFFICE LOCATIONS CLOSED UNTIL FURTHER NOTICE: Due to ongoing COVID-19 concerns, office locations of the Illinois Department of Insurance are temporarily closed, as staff continues to work on a limited scale. Consumers can submit insurance complaints electronically: IDOI Message Center or call 866-445-5364. We are working to process and respond to complaints as quickly as possible, but please understand that the response time to answer calls and process complaints may be extended. Thank you. Home
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Director Robert H. Muriel
Governor JB Pritzker
IDOI OFFICE LOCATIONS CLOSED UNTIL FURTHER NOTICE: Due to ongoing COVID-19 concerns, office locations of the Illinois Department of Insurance are temporarily closed, as staff continues to work on a limited scale. Consumers can submit insurance complaints electronically: IDOI Message Center or call 866-445-5364. We are working to process and respond to complaints as quickly as possible, but please understand that the response time to answer calls and process complaints may be extended. Thank you. Home
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Director Robert H. Muriel
Governor JB Pritzker
IDOI OFFICE LOCATIONS CLOSED UNTIL FURTHER NOTICE: Due to ongoing COVID-19 concerns, office locations of the Illinois Department of Insurance are temporarily closed, as staff continues to work on a limited scale. Consumers can submit insurance complaints electronically: IDOI Message Center or call 866-445-5364. We are working to process and respond to complaints as quickly as possible, but please understand that the response time to answer calls and process complaints may be extended. Thank you. Home
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Director Robert H. Muriel
Governor JB Pritzker
IDOI OFFICE LOCATIONS CLOSED UNTIL FURTHER NOTICE: Due to ongoing COVID-19 concerns, office locations of the Illinois Department of Insurance are temporarily closed, as staff continues to work on a limited scale. Consumers can submit insurance complaints electronically: IDOI Message Center or call 866-445-5364. We are working to process and respond to complaints as quickly as possible, but please understand that the response time to answer calls and process complaints may be extended. Thank you. Home
Consumers â–¼
Insurance Coverage COVID-19
File a Complaint
File an External Review
Consumer Insurance
• Auto
• Health
• Homeowners & Renters
• Life & Annuities
Consumer Hearings
Company Lookup
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IDOI Secure Login - Applications
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Office of the Special Deputy Receiver
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Office of the Special Deputy Receiver
Office of the Special Deputy Receiver
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Office of the Special Deputy Receiver
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Office of the Special Deputy Receiver
Special Deputy Receiver
222 Merchandise Mart Plaza, Suite 960
Chicago, Illinois 60654
Phone: 1- (312) 836-9500
Fax: 1- (312) 836-1944
http://www.osdchi.com/
The Office of the Special Deputy Receiver (OSD) assists the Illinois Director of Insurance in discharging his duties as Receiver under the Illinois Insurance Code. The primary responsibilities of the Receiver are to marshal the assets of companies in liquidation; reduce those assets to cash; and to pay the cash to persons having claims against the liquidated company as directed in the Illinois Insurance Code. The Director is empowered among other matters to examine insurance companies, service plans, and health maintenance organizations (HMO's). If, as a result of those examinations, it is determined that any such domestic insurance company, service plan or HMO poses a current or potential financial hazard to the public, its policyholders or its creditors, the Director may, in addition to certain administrative orders, seek an order from a court to conserve and seize the assets, books and records of the subject entity to determine its true financial condition. The Director must then, upon the advice of counsel, examiners and OSD, further determine whether the entity should be released from court supervision because its problems have been resolved, or instead be rehabilitated or liquidated pursuant to the provisions of Article XIII and XIII� of the Illinois Insurance Code. The Director is the statutorily designated receiver of such companies.
| 0 | 2,985 |
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http://insurance.illinois.gov/Main/osd.html
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Office of the Special Deputy Receiver
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Office of the Special Deputy Receiver
Office of the Special Deputy Receiver
Special Deputy Receiver
|
and to pay the cash to persons having claims against the liquidated company as directed in the Illinois Insurance Code. The Director is empowered among other matters to examine insurance companies, service plans, and health maintenance organizations (HMO's). If, as a result of those examinations, it is determined that any such domestic insurance company, service plan or HMO poses a current or potential financial hazard to the public, its policyholders or its creditors, the Director may, in addition to certain administrative orders, seek an order from a court to conserve and seize the assets, books and records of the subject entity to determine its true financial condition. The Director must then, upon the advice of counsel, examiners and OSD, further determine whether the entity should be released from court supervision because its problems have been resolved, or instead be rehabilitated or liquidated pursuant to the provisions of Article XIII and XIII� of the Illinois Insurance Code. The Director is the statutorily designated receiver of such companies. For the purpose of managing such receiverships, the Director, as receiver, may appoint accountants, consultants, agents, attorneys and a Special Deputy pursuant to Section 202 of the Illinois Insurance Code. The Special Deputy and OSD function as agents of the Director acting solely in his capacity as receiver. All operating and personnel expenses incurred by the OSD are paid out of the assets of the companies under the control of the Special Deputy pursuant to statute as receivership administrative expenses through a time accounting allocation system. All expenses are reported to and approved by the supervising court for each estate through either special petition or the companies' receipts and disbursements reports as filed with the court.
| 1,915 | 3,737 |
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http://insurance.illinois.gov/Main/overview.asp
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Offices
Illinois Department of Insurance
122 S. Michigan Ave., 19th Floor
Chicago, IL 60603
(312) 814-2420
Illinois Department of Insurance
320 W. Washington St.
Springfield, IL 62767
(217) 782-4515
Governor JB Pritzker
Acting Director Dana Popish Severinghaus
Web Accessibility
State Phone Directory
State Agencies
All Rights Reserved State of Illinois
| 0 | 388 |
msmarco_v2.1_doc_01_1666000204#0_2441781993
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http://insurance.illinois.gov/MarketconductExam/PandC/2015/PCTravelersPropertyCasualtyCompanyofAmerica04102015.pdf
|
Travelers Property Casualty Insurance Company
Farmington Casualty Company
Northland Casualty Company
Northland Insurance Company
The Automobile Insurance Company of Hartford, Connecticut
The Charter Oak Fire Insurance Company
The Phoenix Insurance Company
The Standard Fire Insurance Company
The Travelers Indemnity Company
The Travelers Indemnity Company of America
The Travelers Indemnity Company of Connecticut
Travelers Casualty and Surety Company
Travelers Casualty Insurance Company of America
Travelers Commercial Insurance Company
The Travelers Home and Marine Insurance Company
Travelers Personal Insurance Company
Travelers Property Casualty Company of America
Travelers Property Casualty Insurance Company
MARKET CONDUCT EXAMINATION REPORT
DATE OF EXAMINATION: December 11, 2012 through
October 8, 2013
EXAMINATION OF: Farmington Casualty Company
(P&C Foreign) NAIC #41483
Northland Casualty Company
(P&C Foreign) NAIC #24031
Northland Insurance Company
(P&C Foreign) NAIC #24015
The Automobile Insurance Company of Hartford, Connecticut
(P&C Foreign) NAIC #19062
The Charter Oak Fire Insurance Company
(P&C Foreign) NAIC #25615
The Phoenix Insurance Company
(P&C Foreign) NAIC #25623
The Standard Fire Insurance Company
(P&C Foreign) NAIC #19070
The Travelers Indemnity Company
(P&C Foreign) NAIC #25658
The Travelers Indemnity Company of America
(P&C Foreign) NAIC #25666
The Travelers Indemnity Company of Connecticut
(P&C Foreign) NAIC #25682
Travelers Casualty and Surety Company
(P&C Foreign) NAIC #19038
Travelers Casualty Insurance Company of America
(P&C Foreign) NAIC #19046
Travelers Commercial Insurance Company
(P&C Foreign) NAIC #36137
The Travelers Home and Marine Insurance Company
(P&C Foreign) NAIC #27998
Travelers Personal Insurance Company
(P&C Foreign) NAIC # 38130
Travelers Property Casualty Company of America
(P&C Foreign) NAIC #25674
Travelers Property Casualty Insurance Company
(P&C Foreign) NAIC #36161
LOCATION OF EXAM: One Tower Square
Hartford, CT 06183
215 Shuman Blvd, Suite 201
Naperville, IL 60563
PERIOD COVERED BY July 1, 2011 through June 30, 2012
EXAMINATION: EXAMINERS: Larry J. Nelson
Roger O. Henschen, Examiner-in-Charge
INDEX
Page #
I. SUMMARY 1-7
II. BACKGROUND 8-22
III. METHODOLOGY 22-25
IV. FINDINGS 26-39
A. Risk Selection
1. Private Passenger Auto Cancellations 2.
| 0 | 2,841 |
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msmarco_v2.1_doc_01_1666000204#1_2441785104
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http://insurance.illinois.gov/MarketconductExam/PandC/2015/PCTravelersPropertyCasualtyCompanyofAmerica04102015.pdf
|
Larry J. Nelson
Roger O. Henschen, Examiner-in-Charge
INDEX
Page #
I. SUMMARY 1-7
II. BACKGROUND 8-22
III. METHODOLOGY 22-25
IV. FINDINGS 26-39
A. Risk Selection
1. Private Passenger Auto Cancellations 2. Private Passenger Auto Nonrenewals 3. Homeowner Cancellations 4. Homeowner Nonrenewals 5. Dwelling Fire Cancellations 6. Dwelling Fire Nonrenewals 7.
| 2,263 | 2,991 |
||
msmarco_v2.1_doc_01_1666000204#2_2441786102
|
http://insurance.illinois.gov/MarketconductExam/PandC/2015/PCTravelersPropertyCasualtyCompanyofAmerica04102015.pdf
|
Private Passenger Auto Nonrenewals 3. Homeowner Cancellations 4. Homeowner Nonrenewals 5. Dwelling Fire Cancellations 6. Dwelling Fire Nonrenewals 7. Commercial Auto Cancellations 8. Commercial Auto Nonrenewals 9. Farm/Ranch Cancellations (Commercial) 10. Farm/Ranch Nonrenewals (Commercial) 11. Commercial Fire Cancellations 12.
| 2,842 | 3,171 |
||
msmarco_v2.1_doc_01_1666000204#3_2441786697
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http://insurance.illinois.gov/MarketconductExam/PandC/2015/PCTravelersPropertyCasualtyCompanyofAmerica04102015.pdf
|
Commercial Auto Cancellations 8. Commercial Auto Nonrenewals 9. Farm/Ranch Cancellations (Commercial) 10. Farm/Ranch Nonrenewals (Commercial) 11. Commercial Fire Cancellations 12. Commercial Fire Nonrenewals 13. Workers’ Compensations Cancellations 14. Workers’ Compensation Nonrenewals 15. Producer Terminations
B. Underwriting
1. Private Passenger Auto New Business 2.
| 2,992 | 3,365 |
||
msmarco_v2.1_doc_01_1666000204#4_2441787348
|
http://insurance.illinois.gov/MarketconductExam/PandC/2015/PCTravelersPropertyCasualtyCompanyofAmerica04102015.pdf
|
Commercial Fire Nonrenewals 13. Workers’ Compensations Cancellations 14. Workers’ Compensation Nonrenewals 15. Producer Terminations
B. Underwriting
1. Private Passenger Auto New Business 2. Homeowner New Business 3. Dwelling Fire New Business 4. Workers’ Compensation New Business 5. Commercial Auto Renewals 6. Farm/Ranch Renewals 7.
| 3,172 | 3,510 |
||
msmarco_v2.1_doc_01_1666000204#5_2441787969
|
http://insurance.illinois.gov/MarketconductExam/PandC/2015/PCTravelersPropertyCasualtyCompanyofAmerica04102015.pdf
|
Homeowner New Business 3. Dwelling Fire New Business 4. Workers’ Compensation New Business 5. Commercial Auto Renewals 6. Farm/Ranch Renewals 7. Commercial Fire Renewals 8. Workers’ Compensation Renewals
C. Producer Licensing –New Business
D. Claims
1. Private Passenger Auto First Party Median & Paid 2. Private Passenger Auto First Party Closed Without Payment 3. Private Passenger Auto Third Party Median & Paid 4.
| 3,366 | 3,788 |
||
msmarco_v2.1_doc_01_1666000204#6_2441788675
|
http://insurance.illinois.gov/MarketconductExam/PandC/2015/PCTravelersPropertyCasualtyCompanyofAmerica04102015.pdf
|
Commercial Fire Renewals 8. Workers’ Compensation Renewals
C. Producer Licensing –New Business
D. Claims
1. Private Passenger Auto First Party Median & Paid 2. Private Passenger Auto First Party Closed Without Payment 3. Private Passenger Auto Third Party Median & Paid 4. Private Passenger Auto Third Party Closed Without Payment 5. Private Passenger Auto First Party Total Losses 6. Private Passenger Auto Subrogation 7. Homeowner Median and Paid 8. Homeowner Closed Without Payment 9.
| 3,511 | 4,003 |
||
msmarco_v2.1_doc_01_1666000204#7_2441789446
|
http://insurance.illinois.gov/MarketconductExam/PandC/2015/PCTravelersPropertyCasualtyCompanyofAmerica04102015.pdf
|
Private Passenger Auto Third Party Closed Without Payment 5. Private Passenger Auto First Party Total Losses 6. Private Passenger Auto Subrogation 7. Homeowner Median and Paid 8. Homeowner Closed Without Payment 9. Dwelling Fire Median and Paid 10. Dwelling Fire Closed Without Payment
E. Complaints
1. Department of Insurance Complaints
2. Consumer Complaints
V. INTERRELATED and ADDITIONAL FINDINGS 39-41
VI. TECHNICAL APPENDICES 41-44
1
I. SUMMARY
1.
| 3,789 | 4,328 |
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http://insurance.illinois.gov/MarketconductExam/PandC/2015/PCTravelersPropertyCasualtyCompanyofAmerica04102015.pdf
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Dwelling Fire Median and Paid 10. Dwelling Fire Closed Without Payment
E. Complaints
1. Department of Insurance Complaints
2. Consumer Complaints
V. INTERRELATED and ADDITIONAL FINDINGS 39-41
VI. TECHNICAL APPENDICES 41-44
1
I. SUMMARY
1. Travelers was criticized under 215 ILCS 5/143.15 for failing to provide the proper amount of notice. A General Trend Criticism was issued in the Private Passenger Auto Cancellation Survey. 2 Travelers was criticized under 215 ILCS 5/143.21 for canceling policies hichw had been in effect 60 days, or if such policy was a renewal policy, with reasons other than those permitted by statute. A General Trend Criticism was issued in the Homeowner Cancellation Survey. 3.
| 4,004 | 4,796 |
||
msmarco_v2.1_doc_01_1666000204#9_2441791325
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http://insurance.illinois.gov/MarketconductExam/PandC/2015/PCTravelersPropertyCasualtyCompanyofAmerica04102015.pdf
|
Travelers was criticized under 215 ILCS 5/143.15 for failing to provide the proper amount of notice. A General Trend Criticism was issued in the Private Passenger Auto Cancellation Survey. 2 Travelers was criticized under 215 ILCS 5/143.21 for canceling policies hichw had been in effect 60 days, or if such policy was a renewal policy, with reasons other than those permitted by statute. A General Trend Criticism was issued in the Homeowner Cancellation Survey. 3. Travelers was criticized under 215 ILCS 5/143.27 for failing to sendthe named insured a notice of need to repair and allow a reasonable period of time in which to make those repairs prior to nonrenewing the homeowner policy due to defects in the property. A General Trend Criticism is applicable in the Homeowner Nonrenewal Survey. 4. Travelers was criticized under 215 ILCS 5/143.17 for failing to maintain proof of mailing of the notice of nonrenewal, failing to provide at least 30 days advance notice or failing to either renew the policy or to nonrenew the policy. A General Trend Criticism was issued in the Homeowner Nonrenewal Survey.
| 4,329 | 5,439 |
||
msmarco_v2.1_doc_01_1666000204#10_2441792701
|
http://insurance.illinois.gov/MarketconductExam/PandC/2015/PCTravelersPropertyCasualtyCompanyofAmerica04102015.pdf
|
Travelers was criticized under 215 ILCS 5/143.27 for failing to sendthe named insured a notice of need to repair and allow a reasonable period of time in which to make those repairs prior to nonrenewing the homeowner policy due to defects in the property. A General Trend Criticism is applicable in the Homeowner Nonrenewal Survey. 4. Travelers was criticized under 215 ILCS 5/143.17 for failing to maintain proof of mailing of the notice of nonrenewal, failing to provide at least 30 days advance notice or failing to either renew the policy or to nonrenew the policy. A General Trend Criticism was issued in the Homeowner Nonrenewal Survey. 5. Travelers was criticized under 215 ILCS 5/143.27 for failing to sendthe named insured a notice of need to repair and allow a reasonable period of time in which to make those repairs prior to canceling the dwelling fire policy due to defects in the property. A General Trend Criticism is applicable in the Dwelling Fire Cancellation Survey
6. Travelers was criticized under 215 ILCS 5/143.27 for failing to provide the named insured a notice of need to repair and allow a reasonable period of time in which to make those repairs prior to nonrenewing the dwelling fire policy. A General Trend Criticism is applicable in the Dwelling Fire Nonrenewal Survey.
| 4,797 | 6,098 |
||
msmarco_v2.1_doc_01_1666000204#11_2441794270
|
http://insurance.illinois.gov/MarketconductExam/PandC/2015/PCTravelersPropertyCasualtyCompanyofAmerica04102015.pdf
|
5. Travelers was criticized under 215 ILCS 5/143.27 for failing to sendthe named insured a notice of need to repair and allow a reasonable period of time in which to make those repairs prior to canceling the dwelling fire policy due to defects in the property. A General Trend Criticism is applicable in the Dwelling Fire Cancellation Survey
6. Travelers was criticized under 215 ILCS 5/143.27 for failing to provide the named insured a notice of need to repair and allow a reasonable period of time in which to make those repairs prior to nonrenewing the dwelling fire policy. A General Trend Criticism is applicable in the Dwelling Fire Nonrenewal Survey. 7. Travelers was criticized under 215 ILCS 5/143.17 for failing to maintain proof of mailing the notice of nonrenewal or failing to either renew the policy or to nonrenew the policy. A General Trend Criticism was issued in the Dwelling Fire Nonrenewal Survey. 2
8. Travelers was criticized under 215 ILCS 5/143.16 for failing toprovide the insured the required amount of notice or failing to include a specific explanation of the reason or reasons for cancellation.
| 5,439 | 6,565 |
||
msmarco_v2.1_doc_01_1666000204#12_2441795664
|
http://insurance.illinois.gov/MarketconductExam/PandC/2015/PCTravelersPropertyCasualtyCompanyofAmerica04102015.pdf
|
7. Travelers was criticized under 215 ILCS 5/143.17 for failing to maintain proof of mailing the notice of nonrenewal or failing to either renew the policy or to nonrenew the policy. A General Trend Criticism was issued in the Dwelling Fire Nonrenewal Survey. 2
8. Travelers was criticized under 215 ILCS 5/143.16 for failing toprovide the insured the required amount of notice or failing to include a specific explanation of the reason or reasons for cancellation. A General Trend Criticism was issued in the Commercial Auto Cancellation Survey. 9. Travelers was criticized under 215 ILCS 5/143.10a for failing to provide loss information to the first named insured at the same time as the notice of cancellation. A General Trend Criticism was issued in the Commercial Auto Cancellation Survey. 10.
| 6,098 | 6,899 |
||
msmarco_v2.1_doc_01_1666000204#13_2441796732
|
http://insurance.illinois.gov/MarketconductExam/PandC/2015/PCTravelersPropertyCasualtyCompanyofAmerica04102015.pdf
|
A General Trend Criticism was issued in the Commercial Auto Cancellation Survey. 9. Travelers was criticized under 215 ILCS 5/143.10a for failing to provide loss information to the first named insured at the same time as the notice of cancellation. A General Trend Criticism was issued in the Commercial Auto Cancellation Survey. 10. Travelers was criticized under 215 ILCS 5/143.16a for canceling policies which had been in effect 60 days with reasons other thanthose permitted by statute. A General Trend Criticism is applicable in the Commercial Auto Cancellation Survey. 11. Travelers was criticized under 215 ILCS 5/143.10a for failing to provide loss information to the first named insured at the same time as the notice of nonrenewal. A Class Criticism was issued in the Commercial Auto Nonrenewal Survey.
| 6,565 | 7,380 |
||
msmarco_v2.1_doc_01_1666000204#14_2441797813
|
http://insurance.illinois.gov/MarketconductExam/PandC/2015/PCTravelersPropertyCasualtyCompanyofAmerica04102015.pdf
|
Travelers was criticized under 215 ILCS 5/143.16a for canceling policies which had been in effect 60 days with reasons other thanthose permitted by statute. A General Trend Criticism is applicable in the Commercial Auto Cancellation Survey. 11. Travelers was criticized under 215 ILCS 5/143.10a for failing to provide loss information to the first named insured at the same time as the notice of nonrenewal. A Class Criticism was issued in the Commercial Auto Nonrenewal Survey. 12. Travelers was criticized under 215 ILCS 5/143.17a for failing to provide the insured a specific explanation of the reasons for nonrenewal and/or failing to maintain proof of mailing and/or failingto provide the required number of days notice. A General Trend Criticism was issued in the Commercial Auto Nonrenewal Survey. 13. Travelers was criticized under 215 ILCS 5/143.17a for failing to provide the named insured a specific explanation of the reasons for nonrenewal.
| 6,900 | 7,855 |
||
msmarco_v2.1_doc_01_1666000204#15_2441799035
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http://insurance.illinois.gov/MarketconductExam/PandC/2015/PCTravelersPropertyCasualtyCompanyofAmerica04102015.pdf
|
12. Travelers was criticized under 215 ILCS 5/143.17a for failing to provide the insured a specific explanation of the reasons for nonrenewal and/or failing to maintain proof of mailing and/or failingto provide the required number of days notice. A General Trend Criticism was issued in the Commercial Auto Nonrenewal Survey. 13. Travelers was criticized under 215 ILCS 5/143.17a for failing to provide the named insured a specific explanation of the reasons for nonrenewal. 14. Travelers was criticized under 215 ILCS 5/141.01 for nonrenewing the policy on the grounds that the contract between the company and the producer through whom such policy was obtained had been terminated. A General Trend Criticism was issued in the Farm/Ranch Nonrenewal Survey. 3
15. Travelers was criticized under 215 ILCS 5/143.10a for failing to provide loss information to the first named insured at the same time as the notice of nonrenewal.
| 7,380 | 8,308 |
||
msmarco_v2.1_doc_01_1666000204#16_2441800230
|
http://insurance.illinois.gov/MarketconductExam/PandC/2015/PCTravelersPropertyCasualtyCompanyofAmerica04102015.pdf
|
14. Travelers was criticized under 215 ILCS 5/141.01 for nonrenewing the policy on the grounds that the contract between the company and the producer through whom such policy was obtained had been terminated. A General Trend Criticism was issued in the Farm/Ranch Nonrenewal Survey. 3
15. Travelers was criticized under 215 ILCS 5/143.10a for failing to provide loss information to the first named insured at the same time as the notice of nonrenewal. A Class Criticism was issued in the Commercial Fire Nonrenewal Survey. 16. Travelers was criticized under 215 ILCS 5/143.16 for failing to provide the named insured a specific explanation of the reason or reasons for cancellation. A General Trend Criticism is applicable in the Workers’ Compensation Cancellation Survey. 17.
| 7,855 | 8,633 |
||
msmarco_v2.1_doc_01_1666000204#17_2441801280
|
http://insurance.illinois.gov/MarketconductExam/PandC/2015/PCTravelersPropertyCasualtyCompanyofAmerica04102015.pdf
|
A Class Criticism was issued in the Commercial Fire Nonrenewal Survey. 16. Travelers was criticized under 215 ILCS 5/143.16 for failing to provide the named insured a specific explanation of the reason or reasons for cancellation. A General Trend Criticism is applicable in the Workers’ Compensation Cancellation Survey. 17. Travelers was criticized under 215 ILCS 5/143.17a for failing to provide the named insured a specific explanation of the reasons for nonrenewal. A General Trend Criticism was issued in the Workers’ Compensation Nonrenewal Survey. 18. Travelers was criticized under 215 ILCS 5/805.1 for failing to provide mine subsidence coverage in those counties requiring the coverage. A General Trend Criticism is applicable in the Homeowner New Business Survey
19.
| 8,308 | 9,087 |
||
msmarco_v2.1_doc_01_1666000204#18_2441802336
|
http://insurance.illinois.gov/MarketconductExam/PandC/2015/PCTravelersPropertyCasualtyCompanyofAmerica04102015.pdf
|
Travelers was criticized under 215 ILCS 5/143.17a for failing to provide the named insured a specific explanation of the reasons for nonrenewal. A General Trend Criticism was issued in the Workers’ Compensation Nonrenewal Survey. 18. Travelers was criticized under 215 ILCS 5/805.1 for failing to provide mine subsidence coverage in those counties requiring the coverage. A General Trend Criticism is applicable in the Homeowner New Business Survey
19. Travelers was criticized under 215 ILCS 5/132(2) for failing to provide applications as requested. A General Trend Criticism is applicable in the Homeowner New Business Survey. 20. Travelers was criticized under 215 ILCS 5/132(2) for failing to provide applications as requested. A General Trend Criticism was issued in the Dwelling Fire New Business Survey.
| 8,634 | 9,446 |
||
msmarco_v2.1_doc_01_1666000204#19_2441803421
|
http://insurance.illinois.gov/MarketconductExam/PandC/2015/PCTravelersPropertyCasualtyCompanyofAmerica04102015.pdf
|
Travelers was criticized under 215 ILCS 5/132(2) for failing to provide applications as requested. A General Trend Criticism is applicable in the Homeowner New Business Survey. 20. Travelers was criticized under 215 ILCS 5/132(2) for failing to provide applications as requested. A General Trend Criticism was issued in the Dwelling Fire New Business Survey. 21. Travelers was criticized under 215 ILCS 5/805.1 for failing to provide mine subsidence coverage in those counties requiring the coverage. A General Trend Criticism is applicable in the Dwelling Fire New Business Survey. 22. Travelers was in violation of and in conflict with 215 ILCS 5/143.17a when failing to provide the insured at least 60 days prior notice when the renewal premium increased 30% or more.
| 9,088 | 9,858 |
||
msmarco_v2.1_doc_01_1666000204#20_2441804458
|
http://insurance.illinois.gov/MarketconductExam/PandC/2015/PCTravelersPropertyCasualtyCompanyofAmerica04102015.pdf
|
21. Travelers was criticized under 215 ILCS 5/805.1 for failing to provide mine subsidence coverage in those counties requiring the coverage. A General Trend Criticism is applicable in the Dwelling Fire New Business Survey. 22. Travelers was in violation of and in conflict with 215 ILCS 5/143.17a when failing to provide the insured at least 60 days prior notice when the renewal premium increased 30% or more. A Class Criticism was issued in the Commercial Auto Renewal Survey. 4
23. Travelers was in violation of and in conflict with 215 ILCS 5/143.
| 9,446 | 10,000 |
||
msmarco_v2.1_doc_01_1666083436#0_2441805280
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http://insurance.illinois.gov/MarketconductExam/PandC/2016/PCWestfieldNationalInsuranceCompany08012016.pdf
|
WESTFIELD
NATIONAL
INSURANCE
COMPANY
MARKET
CONDUCT
EXAMINATION
REPORT
VI.
INTERRELATED
AND/OR
ADDITIONAL
FINDINGS
I.
SUMMARY
Westfield
National
Insurance
Company
(NAIC
#24120)
III.
METHODOLOGY
Operations
and
Management
Complaint
Handling
Producer
Licensing
Risk
Selection
Underwriting
Claims
COMPLAINTS
PRODUCER
LICENSING
RISK
SELECTION
N/A
100.00%
UNDERWRITING
CLAIMS
V.
FINDINGS
MEDIAN
DISTRIBUTION
VII.
INTERRELATED
AND/OR
ADDITIONAL
FINDINGS
|
WESTFIELD
NATIONAL
INSURANCE
COMPANY
MARKET
CONDUCT
EXAMINATION
REPORT
DATE
OF
EXAMINATION: December
19,
2014
through
February
16,
2016
EXAMINATION
OF: Westfield
National
Insurance
Company
NAIC
Number: 24120
LOCATIONS: 1
Park
Circle
P.O.
Box
5001
Westfield
Center,
OH
44251-5001
PERIOD
COVERED
BY
EXAMINATION: June
1,
2014
through
May
31,
2015
EXAMINERS: Phillip
Chesson
Robert
McGee
Josephine
Sitter
Donna
Lee
Williams
J.
Joseph
Cohen,
Examiner-in-Charge
Personal
Lines
-
Fire
-
Nonrenewals
Personal
Lines
-
Fire
-
Cancellations
I
-
Co.
Initiated
Personal
Lines
-
Fire
-
Cancellations
II
-
Nonpay
Personal
Lines
-
Allied
Lines
-
Nonrenewals
Personal
Lines
-
Allied
Lines
-
Cancellations
I
-
Co.
Initiated
Personal
Lines
-
Allied
Lines
-
Cancellations
II
-
Nonpay
Personal
Lines
-
Other
Liability
-
Occurrence
-
Nonrenewals
Personal
Lines
-
Other
Liability
-
Occurrence
-
Cancellations
I
-
Co.
Initiated
Personal
Lines
-
Other
Liability
-
Occurrence
-
Cancellations
II
-
Nonpay
Other
Private
Passenger
Automobile
Liability
-
Nonrenewals
Other
Private
Passenger
Automobile
Liability
-
Cancellations
I
-
Co.
Initiated
Other
Private
Passenger
Automobile
Liability
-
Cancellations
II
-
Nonpay
Private
Passenger
Automobile
Physical
Damage
-
Nonrenewals
Private
Passenger
Automobile
Physical
Damage
-
Cancellations
I
-
Co.
Initiated
Private
Passenger
Automobile
Physical
Damage
-
Cancellations
II
-
Nonpay
Commercial
-
Nonrenewals
Commercial
-
Cancellations
I
-
Co.
Initiated
Commercial
-
Cancellations
II
-
Nonpay
E.
Underwriting
Personal
Lines
-
Fire
-
New
Business
Personal
Lines
-
Allied
Lines
-
New
Business
Personal
Lines
-
Other
Liability
-
Occurrence
-
New
Business
Other
Private
Passenger
Automobile
Liability
-
New
Business
Private
Passenger
Automobile
Physical
Damage
-
New
Business
Commercial
-
Renewals
Workers’
Compensation
-
New
Business
10
F.
Claims
Private
Passenger
Automobile
Physical
Damage
-
1st
Party
-
Paid
&
Median
Study
Private
Passenger
Automobile
Physical
Damage
-
1st
Party
-
CWP
Other
Private
Passenger
Automobile
Liability
-
3rd
Party
PD
-
Paid
&
Median
Study
Other
Private
Passenger
Automobile
Liability
-
3rd
Party
PD
-
CWP
11
VI. 5. Subrogation
-
Private
Passenger
Automobile
Physical
Damage
-
1st
Party
-
Paid
&
Median
Study
(payments
to
insured)
6. Total
Loss
-
Private
Passenger
Automobile
Physical
Damage
-
1st
Party
-
Paid
&
Median
Study
(payments
to
insured)
7.
| 0 | 3,562 |
|
msmarco_v2.1_doc_01_1666083436#1_2441810580
|
http://insurance.illinois.gov/MarketconductExam/PandC/2016/PCWestfieldNationalInsuranceCompany08012016.pdf
|
WESTFIELD
NATIONAL
INSURANCE
COMPANY
MARKET
CONDUCT
EXAMINATION
REPORT
VI.
INTERRELATED
AND/OR
ADDITIONAL
FINDINGS
I.
SUMMARY
Westfield
National
Insurance
Company
(NAIC
#24120)
III.
METHODOLOGY
Operations
and
Management
Complaint
Handling
Producer
Licensing
Risk
Selection
Underwriting
Claims
COMPLAINTS
PRODUCER
LICENSING
RISK
SELECTION
N/A
100.00%
UNDERWRITING
CLAIMS
V.
FINDINGS
MEDIAN
DISTRIBUTION
VII.
INTERRELATED
AND/OR
ADDITIONAL
FINDINGS
|
June
1,
2014
through
May
31,
2015
EXAMINERS: Phillip
Chesson
Robert
McGee
Josephine
Sitter
Donna
Lee
Williams
J.
Joseph
Cohen,
Examiner-in-Charge
Personal
Lines
-
Fire
-
Nonrenewals
Personal
Lines
-
Fire
-
Cancellations
I
-
Co.
Initiated
Personal
Lines
-
Fire
-
Cancellations
II
-
Nonpay
Personal
Lines
-
Allied
Lines
-
Nonrenewals
Personal
Lines
-
Allied
Lines
-
Cancellations
I
-
Co.
Initiated
Personal
Lines
-
Allied
Lines
-
Cancellations
II
-
Nonpay
Personal
Lines
-
Other
Liability
-
Occurrence
-
Nonrenewals
Personal
Lines
-
Other
Liability
-
Occurrence
-
Cancellations
I
-
Co.
Initiated
Personal
Lines
-
Other
Liability
-
Occurrence
-
Cancellations
II
-
Nonpay
Other
Private
Passenger
Automobile
Liability
-
Nonrenewals
Other
Private
Passenger
Automobile
Liability
-
Cancellations
I
-
Co.
Initiated
Other
Private
Passenger
Automobile
Liability
-
Cancellations
II
-
Nonpay
Private
Passenger
Automobile
Physical
Damage
-
Nonrenewals
Private
Passenger
Automobile
Physical
Damage
-
Cancellations
I
-
Co.
Initiated
Private
Passenger
Automobile
Physical
Damage
-
Cancellations
II
-
Nonpay
Commercial
-
Nonrenewals
Commercial
-
Cancellations
I
-
Co.
Initiated
Commercial
-
Cancellations
II
-
Nonpay
E.
Underwriting
Personal
Lines
-
Fire
-
New
Business
Personal
Lines
-
Allied
Lines
-
New
Business
Personal
Lines
-
Other
Liability
-
Occurrence
-
New
Business
Other
Private
Passenger
Automobile
Liability
-
New
Business
Private
Passenger
Automobile
Physical
Damage
-
New
Business
Commercial
-
Renewals
Workers’
Compensation
-
New
Business
10
F.
Claims
Private
Passenger
Automobile
Physical
Damage
-
1st
Party
-
Paid
&
Median
Study
Private
Passenger
Automobile
Physical
Damage
-
1st
Party
-
CWP
Other
Private
Passenger
Automobile
Liability
-
3rd
Party
PD
-
Paid
&
Median
Study
Other
Private
Passenger
Automobile
Liability
-
3rd
Party
PD
-
CWP
11
VI. 5. Subrogation
-
Private
Passenger
Automobile
Physical
Damage
-
1st
Party
-
Paid
&
Median
Study
(payments
to
insured)
6. Total
Loss
-
Private
Passenger
Automobile
Physical
Damage
-
1st
Party
-
Paid
&
Median
Study
(payments
to
insured)
7. Commercial
Automobile
Physical
Damage
-
1st
Party
-
Paid
8. Commercial
Automobile
Physical
Damage
-
1st
Party
-
CWP
9. Other
Commercial
Automobile
Liability
-
3rd
Party
PD
-
Paid
10. Other
Commercial
Automobile
Liability
-
3rd
Party
PD
-
CWP
11. Subrogation
-
Commercial
Automobile
Physical
Damage
-
1st
Party
-
Paid
12.
| 531 | 4,002 |
|
msmarco_v2.1_doc_01_1666083436#2_2441815803
|
http://insurance.illinois.gov/MarketconductExam/PandC/2016/PCWestfieldNationalInsuranceCompany08012016.pdf
|
WESTFIELD
NATIONAL
INSURANCE
COMPANY
MARKET
CONDUCT
EXAMINATION
REPORT
VI.
INTERRELATED
AND/OR
ADDITIONAL
FINDINGS
I.
SUMMARY
Westfield
National
Insurance
Company
(NAIC
#24120)
III.
METHODOLOGY
Operations
and
Management
Complaint
Handling
Producer
Licensing
Risk
Selection
Underwriting
Claims
COMPLAINTS
PRODUCER
LICENSING
RISK
SELECTION
N/A
100.00%
UNDERWRITING
CLAIMS
V.
FINDINGS
MEDIAN
DISTRIBUTION
VII.
INTERRELATED
AND/OR
ADDITIONAL
FINDINGS
|
Commercial
Automobile
Physical
Damage
-
1st
Party
-
Paid
8. Commercial
Automobile
Physical
Damage
-
1st
Party
-
CWP
9. Other
Commercial
Automobile
Liability
-
3rd
Party
PD
-
Paid
10. Other
Commercial
Automobile
Liability
-
3rd
Party
PD
-
CWP
11. Subrogation
-
Commercial
Automobile
Physical
Damage
-
1st
Party
-
Paid
12. Total
Loss
-
Commercial
Automobile
Physical
Damage
-
1st
Party
-
Paid
13. Personal
Lines
-
Property
-
Fire
-
1st
Party
-
Paid
&
Median
Study
14. Personal
Lines
-
Property
-
Fire
-
1st
Party
-
CWP
15. Personal
Lines
-
Property
-
Allied
Lines
-
1st
Party
-
Paid
&
Median
Study
16. Personal
Lines
-
Property
-
Allied
Lines
-
1st
Party
-
CWP
17.
| 3,562 | 4,488 |
|
msmarco_v2.1_doc_01_1666083436#3_2441817876
|
http://insurance.illinois.gov/MarketconductExam/PandC/2016/PCWestfieldNationalInsuranceCompany08012016.pdf
|
WESTFIELD
NATIONAL
INSURANCE
COMPANY
MARKET
CONDUCT
EXAMINATION
REPORT
VI.
INTERRELATED
AND/OR
ADDITIONAL
FINDINGS
I.
SUMMARY
Westfield
National
Insurance
Company
(NAIC
#24120)
III.
METHODOLOGY
Operations
and
Management
Complaint
Handling
Producer
Licensing
Risk
Selection
Underwriting
Claims
COMPLAINTS
PRODUCER
LICENSING
RISK
SELECTION
N/A
100.00%
UNDERWRITING
CLAIMS
V.
FINDINGS
MEDIAN
DISTRIBUTION
VII.
INTERRELATED
AND/OR
ADDITIONAL
FINDINGS
|
Total
Loss
-
Commercial
Automobile
Physical
Damage
-
1st
Party
-
Paid
13. Personal
Lines
-
Property
-
Fire
-
1st
Party
-
Paid
&
Median
Study
14. Personal
Lines
-
Property
-
Fire
-
1st
Party
-
CWP
15. Personal
Lines
-
Property
-
Allied
Lines
-
1st
Party
-
Paid
&
Median
Study
16. Personal
Lines
-
Property
-
Allied
Lines
-
1st
Party
-
CWP
17. Commercial
Property
-
1st
Party
-
Paid
18. Commercial
Property
-
1st
Party
-
CWP
INTERRELATED
AND/OR
ADDITIONAL
FINDINGS
15
I.
SUMMARY
comprehensive
market
conduct
examination
of
ten
lines
of
business
of
Westfield
National
Insurance
Company
was
performed
to
determine
compliance
with
Illinois
statutes
and
the
Illinois
Administrative
Code. The
following
table
represents
general
findings,
with
specific
details
in
each
section
of
the
report. TABLE
OF
TOTAL
VIOLATIONS
TABLE
OF
TOTAL
VIOLATIONS
TABLE
OF
TOTAL
VIOLATIONS
TABLE
OF
TOTAL
VIOLATIONS
TABLE
OF
TOTAL
VIOLATIONS
TABLE
OF
TOTAL
VIOLATIONS
TABLE
OF
TOTAL
VIOLATIONS
Crit
#
Statute/Rule
Description
of
Violations
Population
Files
Reviewed
#
of
Violations
Error
%
50
Ill.
Adm.
Code
919.80(b)(3)
The
Company
failed
to
provide
a
delay
letter
in
claims
unresolved
for
more
than
60
days
(or
three
(3)
instances
out
of
three
(3)
files
where
a
delay
letter
was
required,
for
an
error
percentage
of
100%). (Other
Private
Passenger
Automobile
Liability-3rd
Party-
Property
Damage-Paid)
148
76
3
3.95%
4
50
Ill.
Adm.
Code
919.80(b)(2)
The
Company
failed
to
provide
a
delay
letter
in
claims
unresolved
for
more
than
40
days
(or
three
(3)
instances
out
of
three
(3)
files
where
a
delay
letter
was
required,
for
an
error
percentage
of
100%).
| 4,002 | 6,219 |
|
msmarco_v2.1_doc_01_1666083436#4_2441821572
|
http://insurance.illinois.gov/MarketconductExam/PandC/2016/PCWestfieldNationalInsuranceCompany08012016.pdf
|
WESTFIELD
NATIONAL
INSURANCE
COMPANY
MARKET
CONDUCT
EXAMINATION
REPORT
VI.
INTERRELATED
AND/OR
ADDITIONAL
FINDINGS
I.
SUMMARY
Westfield
National
Insurance
Company
(NAIC
#24120)
III.
METHODOLOGY
Operations
and
Management
Complaint
Handling
Producer
Licensing
Risk
Selection
Underwriting
Claims
COMPLAINTS
PRODUCER
LICENSING
RISK
SELECTION
N/A
100.00%
UNDERWRITING
CLAIMS
V.
FINDINGS
MEDIAN
DISTRIBUTION
VII.
INTERRELATED
AND/OR
ADDITIONAL
FINDINGS
|
Commercial
Property
-
1st
Party
-
Paid
18. Commercial
Property
-
1st
Party
-
CWP
INTERRELATED
AND/OR
ADDITIONAL
FINDINGS
15
I.
SUMMARY
comprehensive
market
conduct
examination
of
ten
lines
of
business
of
Westfield
National
Insurance
Company
was
performed
to
determine
compliance
with
Illinois
statutes
and
the
Illinois
Administrative
Code. The
following
table
represents
general
findings,
with
specific
details
in
each
section
of
the
report. TABLE
OF
TOTAL
VIOLATIONS
TABLE
OF
TOTAL
VIOLATIONS
TABLE
OF
TOTAL
VIOLATIONS
TABLE
OF
TOTAL
VIOLATIONS
TABLE
OF
TOTAL
VIOLATIONS
TABLE
OF
TOTAL
VIOLATIONS
TABLE
OF
TOTAL
VIOLATIONS
Crit
#
Statute/Rule
Description
of
Violations
Population
Files
Reviewed
#
of
Violations
Error
%
50
Ill.
Adm.
Code
919.80(b)(3)
The
Company
failed
to
provide
a
delay
letter
in
claims
unresolved
for
more
than
60
days
(or
three
(3)
instances
out
of
three
(3)
files
where
a
delay
letter
was
required,
for
an
error
percentage
of
100%). (Other
Private
Passenger
Automobile
Liability-3rd
Party-
Property
Damage-Paid)
148
76
3
3.95%
4
50
Ill.
Adm.
Code
919.80(b)(2)
The
Company
failed
to
provide
a
delay
letter
in
claims
unresolved
for
more
than
40
days
(or
three
(3)
instances
out
of
three
(3)
files
where
a
delay
letter
was
required,
for
an
error
percentage
of
100%). (Private
Passenger
Automobile-
Physical
Damage-1st
Party-Paid)
380
82
3
3.66%
II. BACKGROUND
Westfield
National
Insurance
Company
(NAIC
#24120)
Westfield
National
Insurance
Company
was
founded
in
1968
and
became
licensed
to
sell
insurance
in
Illinois
in
1969. It
is
an
Ohio
domestic
stock
company
owned
by
the
parent
company,
Ohio
Farmers
Insurance
Company. The
Ohio
Farmers
group
of
companies
(NAIC
Group
Code: 0228)
are
multi-line
property
and
casualty
insurance
companies
and
market
personal
lines
insurance
products
through
independent
agencies
in
ten
states
and
commercial
lines
products
in
twenty-one
states,
mostly
in
the
Midwest
and
South.
| 4,488 | 7,059 |
|
msmarco_v2.1_doc_01_1666083436#5_2441825680
|
http://insurance.illinois.gov/MarketconductExam/PandC/2016/PCWestfieldNationalInsuranceCompany08012016.pdf
|
WESTFIELD
NATIONAL
INSURANCE
COMPANY
MARKET
CONDUCT
EXAMINATION
REPORT
VI.
INTERRELATED
AND/OR
ADDITIONAL
FINDINGS
I.
SUMMARY
Westfield
National
Insurance
Company
(NAIC
#24120)
III.
METHODOLOGY
Operations
and
Management
Complaint
Handling
Producer
Licensing
Risk
Selection
Underwriting
Claims
COMPLAINTS
PRODUCER
LICENSING
RISK
SELECTION
N/A
100.00%
UNDERWRITING
CLAIMS
V.
FINDINGS
MEDIAN
DISTRIBUTION
VII.
INTERRELATED
AND/OR
ADDITIONAL
FINDINGS
|
(Private
Passenger
Automobile-
Physical
Damage-1st
Party-Paid)
380
82
3
3.66%
II. BACKGROUND
Westfield
National
Insurance
Company
(NAIC
#24120)
Westfield
National
Insurance
Company
was
founded
in
1968
and
became
licensed
to
sell
insurance
in
Illinois
in
1969. It
is
an
Ohio
domestic
stock
company
owned
by
the
parent
company,
Ohio
Farmers
Insurance
Company. The
Ohio
Farmers
group
of
companies
(NAIC
Group
Code: 0228)
are
multi-line
property
and
casualty
insurance
companies
and
market
personal
lines
insurance
products
through
independent
agencies
in
ten
states
and
commercial
lines
products
in
twenty-one
states,
mostly
in
the
Midwest
and
South. The
group
markets
both
personal
lines
and
commercial
lines
in
Illinois. The
Westfield
National
Insurance
Company’s
2014
NAIC
Annual
Statement,
Statutory
Page
14
(Illinois),
reflects
the
following
for
the
lines
of
business
examined. Line
Direct
premiums
written
Direct
premiums
earned
Direct
losses
paid
Direct
losses
incurred
Fire
$9,253
$7,085
$0
$210
Allied
Lines
$30,721
$24,728
$0
$1,949
Commercial
multiple
peril
(non-liability
portion)
$29,726
$17,406
$0
$1,069
Commercial
multiple
peril
(liability
portion)
$72,374
$31,601
$3,077
$12,415
Workers’
compensation
$1,387,451
$966,176
$799,950
$72,230
Other
liability
-
Occurrence
$401,202
$396,476
$70,000
$372,502
Other
private
passenger
auto
liability
$2,777,093
$2,997,606
$2,441,156
$2,642,736
Other
commercial
auto
liability
$52,243
$22,133
$2,025
$14,878
Private
passenger
auto
physical
damage
$2,666,891
$2,819,786
$1,611,047
$1,608,515
Commercial
auto
physical
damage
$18,416
$8,245
$1,122
$1,906
TOTALS
(All
lines
above)
$7,445,370
$7,291,242
$4,928,377
$4,728,410
TOTALS
(All
lines
including
the
above)
$12,421,771
$12,583,218
$10,212,811
$8,903,837
III. METHODOLOGY
The
market
conduct
examination
places
emphasis
on
an
insurer's
systems
and
procedures
used
in
dealing
with
insureds
and
claimants. The
scope
of
this
market
conduct
examination
reviewed
the
following
general
areas:
| 6,219 | 8,821 |
|
msmarco_v2.1_doc_01_1666083436#6_2441829812
|
http://insurance.illinois.gov/MarketconductExam/PandC/2016/PCWestfieldNationalInsuranceCompany08012016.pdf
|
WESTFIELD
NATIONAL
INSURANCE
COMPANY
MARKET
CONDUCT
EXAMINATION
REPORT
VI.
INTERRELATED
AND/OR
ADDITIONAL
FINDINGS
I.
SUMMARY
Westfield
National
Insurance
Company
(NAIC
#24120)
III.
METHODOLOGY
Operations
and
Management
Complaint
Handling
Producer
Licensing
Risk
Selection
Underwriting
Claims
COMPLAINTS
PRODUCER
LICENSING
RISK
SELECTION
N/A
100.00%
UNDERWRITING
CLAIMS
V.
FINDINGS
MEDIAN
DISTRIBUTION
VII.
INTERRELATED
AND/OR
ADDITIONAL
FINDINGS
|
The
group
markets
both
personal
lines
and
commercial
lines
in
Illinois. The
Westfield
National
Insurance
Company’s
2014
NAIC
Annual
Statement,
Statutory
Page
14
(Illinois),
reflects
the
following
for
the
lines
of
business
examined. Line
Direct
premiums
written
Direct
premiums
earned
Direct
losses
paid
Direct
losses
incurred
Fire
$9,253
$7,085
$0
$210
Allied
Lines
$30,721
$24,728
$0
$1,949
Commercial
multiple
peril
(non-liability
portion)
$29,726
$17,406
$0
$1,069
Commercial
multiple
peril
(liability
portion)
$72,374
$31,601
$3,077
$12,415
Workers’
compensation
$1,387,451
$966,176
$799,950
$72,230
Other
liability
-
Occurrence
$401,202
$396,476
$70,000
$372,502
Other
private
passenger
auto
liability
$2,777,093
$2,997,606
$2,441,156
$2,642,736
Other
commercial
auto
liability
$52,243
$22,133
$2,025
$14,878
Private
passenger
auto
physical
damage
$2,666,891
$2,819,786
$1,611,047
$1,608,515
Commercial
auto
physical
damage
$18,416
$8,245
$1,122
$1,906
TOTALS
(All
lines
above)
$7,445,370
$7,291,242
$4,928,377
$4,728,410
TOTALS
(All
lines
including
the
above)
$12,421,771
$12,583,218
$10,212,811
$8,903,837
III. METHODOLOGY
The
market
conduct
examination
places
emphasis
on
an
insurer's
systems
and
procedures
used
in
dealing
with
insureds
and
claimants. The
scope
of
this
market
conduct
examination
reviewed
the
following
general
areas: Operations
and
Management
Complaint
Handling
Producer
Licensing
Risk
Selection
Underwriting
Claims
The
review
of
the
categories
was
accomplished
through
examination
of
material
related
to
Company
operations
and
management,
complaint
files,
producer
lists,
risk
selection
files,
underwriting
files
and
claim
files,
as
well
as
interviews
and
Company
responses
to
the
Coordinator’s
Handbook,
information
requests
and
criticisms. Each
of
the
categories
was
examined
for
compliance
with
ILDOI
regulations
and
applicable
state
laws. The
following
method
was
used
to
obtain
the
required
samples
and
to
ensure
a
statistically
sound
selection: Surveys
were
developed
from
Company-generated
Excel
spreadsheets. The
Company
was
requested
to
provide
separate
spreadsheets
for
commercial
files
and
personal
files
in
lines
of
business
that
included
both.
| 7,059 | 9,918 |
|
msmarco_v2.1_doc_01_1666083436#7_2441834258
|
http://insurance.illinois.gov/MarketconductExam/PandC/2016/PCWestfieldNationalInsuranceCompany08012016.pdf
|
WESTFIELD
NATIONAL
INSURANCE
COMPANY
MARKET
CONDUCT
EXAMINATION
REPORT
VI.
INTERRELATED
AND/OR
ADDITIONAL
FINDINGS
I.
SUMMARY
Westfield
National
Insurance
Company
(NAIC
#24120)
III.
METHODOLOGY
Operations
and
Management
Complaint
Handling
Producer
Licensing
Risk
Selection
Underwriting
Claims
COMPLAINTS
PRODUCER
LICENSING
RISK
SELECTION
N/A
100.00%
UNDERWRITING
CLAIMS
V.
FINDINGS
MEDIAN
DISTRIBUTION
VII.
INTERRELATED
AND/OR
ADDITIONAL
FINDINGS
|
Operations
and
Management
Complaint
Handling
Producer
Licensing
Risk
Selection
Underwriting
Claims
The
review
of
the
categories
was
accomplished
through
examination
of
material
related
to
Company
operations
and
management,
complaint
files,
producer
lists,
risk
selection
files,
underwriting
files
and
claim
files,
as
well
as
interviews
and
Company
responses
to
the
Coordinator’s
Handbook,
information
requests
and
criticisms. Each
of
the
categories
was
examined
for
compliance
with
ILDOI
regulations
and
applicable
state
laws. The
following
method
was
used
to
obtain
the
required
samples
and
to
ensure
a
statistically
sound
selection: Surveys
were
developed
from
Company-generated
Excel
spreadsheets. The
Company
was
requested
to
provide
separate
spreadsheets
for
commercial
files
and
personal
files
in
lines
of
business
that
included
both. Random
statistical
file
selections
were
generated
by
the
examin
| 8,821 | 10,000 |
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