News•
on January 12th, 2012•
Reduced Rates For Chicago Dental Society Members!
The Accident Fund Insurance Company Rated “A” Excellent by the A.M. Best Co. will provide all eligible and qualified members of the Chicago Dental Society with a 5% membership credit! The membership credit applies to both new and renewal policies.
As a Chicago Dental Society Member you have the opportunity to earn dividend payments based on the group’s overall profitability!
The Southpoint Insurance Agency assists the Accident Fund of America in the management of this prestigious endorsement. Southpoint helps manage the Workers Compensation exposure for several thousand dental practies within the State of Illinois.
For additional information, simply contact Lynn Heintz at 708-478-3440, ext. 703 or lynn@sthpoint.com
*Dividends are payable 15 months after the group expiration and require approval of the Accident Fund’s Board of Directors.
Featured•
on January 10th, 2011•
Reduced Rates For Dentists!
Southpoint Insurance has special coverage and rates for Professional Liability Coverage.
The Southpoint Insurance Agency manages the Professional Liability risk for several thousand dental professionals within the State of Illinois.
We offer Professional Liability policies for:
- Endodontists
- General Dentists
- Orthodontists
- Pedodontists
- Periodontists
- Prosthodontists
For additional information, simply contact Jim Carney at 708-478-3440, ext. 702 or jcarney@sthpoint.com.
Featured•
on June 30th, 2010•
Basic coverages such as personal auto insurance, homeowners insurance, life insurance, and health insurance are instrumental in protecting your family, your income, and your biggest assets. Putting together a comprehensive plan with a personal insurance specialist to choose the right coverages and coverage limits is always a good idea.
Adding Comprehensive and Collision coverages to vehicles on your personal auto policy for example, is not always advisable. Depending on the age and condition of your vehicle, physical damage coverage may not offer much value at the time of loss and, therefore, may add unnecessary cost to your insurance premium. Working with an agent to help determine the cost and benefit of physical damage coverage for each vehicle on your policy helps to insure that your are getting the best value for your insurance dollar.
Featured•
on June 29th, 2010•
Insurance can be one of the most important purchases a business owner can make. The right commercial insurance coverage can be instrumental in protecting a business owner from unforeseen circumstances. When a business owner chooses to operate without insurance coverage in place, he or she puts his enterprise and personal financial well being at risk.
Unfortunately, not all business owners are aware of the risk factors that effect them and, therefore, may not have adequate protection in place. In other cases, there may be some types of commercial insurance you don’t need. For example, you may need commercial property insurance, but not commercial auto or workers compensation. It is always best to learn about the different types of commercial insurance and then determine what coverages are applicable for your business. As your business grows your insurance needs may change. Obtaining information up front will provide you with the basic information you need moving forward.
Featured•
on June 28th, 2010•
We’ve developed a menu of insurance options exclusively for technology companies that fits businesses around the globe and in every stage of life – from the emerging company to the publicly traded multinational. Our Network of Solutions insurance portfolio offers coverage options tailored to fit your company’s unique needs. All products in the Network of Solutions work together to reduce the risk of coverage gaps or duplications. This powerhouse portfolio includes:
CYBERTECH+ COVERAGE SOLUTIONS FOR TECHNOLOGY COMPANIES
- Errors and Omissions (E&O) Liability Protection
- True “enterprise” coverage that applies to all of your products and work – not just a narrow list of specific products or operations
- Worldwide protection regardless of where a lawsuit is brought
- Protection against claims and suites alleging loss or impairment of your customers’ data resulting in covered damages
- Automatic coverage for your newly-acquired or newly-formed organizations for up to 90 days
- Media Protection
- True “enterprise” coverage that applies to all of your products and work – not just a narrow list of specific products or operations
- Worldwide protection regardless of where a lawsuit is brought
- Duty to defend claims or suites seeking damages and suits seeking injunctive relief
- An expanded list of protected persons
- Coverage provided on a claims-made and reported basis, with a 90-day limited reporting period applying automatically at the end of each policy and an unlimited extended reporting period available for purchase if the policy is cancelled or not renewed for any reason
- Internet Protection
- Failure to protect private or confidential information of others from unauthorized access on the Internet
- Failure to prevent transmission of computer viruses
- Infringement of copyright, title, slogan, trademark, trade name, trade dress, service mark, or service name in your Internet material
- Unauthorized use of any advertising material, or any slogan or title, of others in business advertising
By using an agent to purchase insurance, the policyholder receives more personal service. An agent with whom there is direct contact can be vital when purchasing a product and absolutely necessary when filing a claim. A local, independent agent is able to deliver quality insurance with competitive pricing and local personalized service.
There are a number of factors to consider when purchasing any product or service, and insurance is no different. Here is a checklist of things you should consider when purchasing automobile insurance.
- Base your decision on value. This is more than simply the lowest price. The premium you pay should be compared to the claims and policy service, protection and advice you receive. Independent agents, and the companies we represent, deliver excellent value.
- Purchase the amount of liability coverage that makes sense to you.
- You should decide which optional coverages you want. For example, do you want optional physical damage coverages or is the market value of your car too low to warrant purchasing them.
- Once you have decided what you want in your automobile insurance policy, you can now decide from whom you would like to purchase the insurance from.
There are a number of things you can do to lower the cost of your automobile insurance. The easiest thing to do is ask us to get quotes from several companies for you.
It is not uncommon to find quotes on automobile insurance that can vary by hundreds of dollars for the same coverage on the same car. When you shop, be careful to make sure each insurer is offering the same coverage.
Another way to lower the cost of your automobile insurance is to look for any discounts for which you may qualify. For example, many insurers will offer you a discount if you insure multiple cars under the same policy, or if you have had a driver education class in the last five years. Be sure to ask us about their discount plans.
Another easy way to lower the cost of your automobile insurance is to increase the deductible. Simply raising your deductible from $250 to $500 can lower your premium sometimes by as much as five or ten percent.
Featured•
on June 10th, 2010•
Workers compensation refers to statutes which are put forth to provide rewards and medical reimbursement to employees and their dependents for work related injury and disease, regardless of fault or negligence. Workers compensation insurance is purchased by most employers as a method used to meet obligations imposed by the workers compensation laws. A workers compensation and employers liability insurance policy offers protection for employers, with benefits designed to cover the obligations of the workers compensation statutes as well as other bodily injuries caused by accident or disease for which an employer is held liable by his or her employee.
Talking to a broker who understands Workers Compensation can be instrumental in making sure your policy is written correctly. A contractor for example, who work with uninsured subcontractors, may be required to provide Workers Compensation coverage under his or her own policy and therefore may incur additional costs if the policy is audited at the end of a term. Being aware of your responsiblities as an employer providing Workers Compensation coverage is very important.