When it’s your responsibility to protect the interests of others, your own interests can quickly get left behind. We’re here to ensure they don’t – we focus on you, so you can stay focused on your clients.
With this coverage option, the limits of liability available to pay money damages such as settlement or judgment are not reduced by the costs incurred to defend a claim. Additionally, the deductible is applied once per policy period, not on a per claim basis, but as one aggregate deductible, with the exception of a claim arising out of securities activites, wherein the deductible would apply on a per claim basis.
Provides a less expensive premium but also reduces protection. With this coverage option, the limits of liability available to pay money damages such as settlement or judgment are reduced by the costs of claims defense incurred in defending a claim. Additionally, the deductible is applied to each and every claim, not as an aggregate deductible, per policy period.
As a business owner with a company to run, you know how difficult it is to get away.
What happens if you become disabled?
Could your business stay open while you were gone?
Would the business be able to continue paying the bills if you were not working?
Is your law firm insured against common perils (i.e. unrelated to the legal services you provide)? The foundational insurance coverage for small and mid-size businesses is the Business Owner’s Policy (BOP). It covers General Liability and Commercial Property losses which are two of the largest threats that law firms face daily. We offer broad coverage designed for law firms, offered by several insurers, with optional solutions to customize coverages for your unique situation.
To learn more about the importance of Business Owners Insurance Policy coverage, click here.
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We also specialize in court fiduciary and court judicial guarantee bonds.
The OSBA Insurance Agency (OSBAIA) and OBLIC have teamed with Tokio Marine HCC – Cyber & Professional Lines Group to offer a comprehensive cyber breach insurance policy to Ohio law firms. This coverage is in addition to the coverage offered in the OBLIC policy.
To learn more about the importance of Cyber Breach coverage, click here.
Did you know that 50 percent of all home foreclosures result from a disability?
Did you know that you are 3.5 times more likely to be disabled during your working career than you are to die during your working career?
The Ohio State Bar Association Insurance Agency wants you to be prepared for the unexpected and is offering top quality “Own Occupation” disability insurance at significant savings for members only.
If you are interested in more disability insurance or a review of your existing coverage, contact the OSBA Insurance Agency,
and we will have one of our disability insurance specialists review your needs and provide you with a no-obligation quote.
It can mean the difference between staying open and closing your doors, allow you to maintain goodwill with your customers, vendors and creditors, and help retain your business value.
Claims arising out of the employment context are on the rise, and with some significant notoriety given the #MeToo movement. Employment Practices Liability Insurance (EPLI) is designed to protect employers from these types of claims, and in some instances from similar claims asserted by non-employees, i.e claims of harassment or discrimination. OBLIC and the OSBA Insurance Agency have partnered with several other insurance carriers to offer EPLI coverages and comprehensive risk management designed for Ohio law firms. To learn more about Employment Practices Liability coverage, click here.
The OSBA Insurance Agency recognizes that you need to provide the best possible group health care coverage to your
Whether you have a group of two or more, our goal is to offer flexible affordable insurance plans that make world-class health care attainable for your practice. We offer a wide variety of Affordable Care Act (ACA) Compliant PPO Plans with a broad range of deductibles and co-insurance, including Health Savings Account (HSA) compatible plans.
There is a participation requirement that 50 percent of all eligible* employees must apply for coverage. The remaining
employees can waive coverage if they have a valid waiver, such as coverage through a spouse or Medicare.
Regardless of whether you purchase insurance through the exchange or off-exchange, the annual open enrollment window applies. You cannot enroll outside of open enrollment unless you have a qualifying event, such as:
As of 2016, Healthcare.gov started requiring proof of eligibility for the most common qualifying events. Health insurance carriers also generally require proof of eligibility when people enroll off-exchange during a special enrollment period. If you experience a qualifying event and wish to enroll in a plan during your special enrollment period, be prepared to provide documentation of the qualifying event.
Now there’s a plan that puts your family’s needs first…just like you do. Nothing is more important than your family’s needs. And even though you continue to put your family’s needs first, your desire to protect them may be hindered by your ability to get proper life insurance.