PRODUCTS & SERVICES

At Brown-Hiller-Clark & Associates it is our experience & dedication while also maintaining strong relationships with the companies we represent which have proven our strength & know-how.  This unique position means we not only can provide the following insurance products and services, but we understand them to such an extent that each can be customized to meet your unique circumstance while remaining highly competitive in cost.

The following is a general outline of many products and services we are pleased to provide. 

Commercial Lines Insurance

Each client is unique.  There are no off-the-shelf solutions.  Recommendations may be made in insurance program design, employee benefits, operations, continuity plans, safety programs, jobsite, claims management and other areas.

With extensive experience and resources, BHC understands the special risks inherent to specific business sectors.  We can help determine the best use of your dollars to manage your company's risks, be it through insuring, avoiding, assuming, or reducing them.  By thinking differently about your insurance program- not just treating the surface effects but uncovering the causes- we deliver comprehensive solutions to risk management that contribute to your company's competitive position. 

When you're ready to think differently about risk, your business and your company's competitiveness, think BHC.  Then call us at (479) 452-4000 for more information.

General Liability
Commercial General Liability provides the insurance protection needed to pay damages for bodily injury or property damage for which the insured is legally responsible.  Coverage is also provided for liability arising from personal injury, advertising injury, and medical expense.

Business Auto
The liability coverage of the commercial auto policy provides protection against legal liability arising out of the ownership, maintenance, or use of any automobile.  The insuring agreement also states that in addition to the payment of damages for which the insured is legally liable, the insurer also agrees to defend the insured for all legal defense costs., subject to the policy limits.

Coverage is also available to pay for collision or comprehensive damage to vehicles owned by the insured.  Collision coverage provides for loss arising from damage to an insured vehicle caused by collision with other vehicles or objects.  Comprehensive coverage provides for physical damage other than collision to insured autos including theft, glass breakage, and damage by weather or vandalism.

Workers Compensation
The Workers Compensation coverage agreement obligates the insurer to pay all compensation and other benefits required of the insured by the Workers Compensation law or occupational disease law of any state listed on the policy.  The coverage applies to bodily injury by accident and by disease. 

State laws generally mandate that employers that employ two, and sometimes one person, in addition to any owner or partner, carry Workers Compensation coverage. 

Umbrella Liability
Umbrella liability insurance provides excess liability coverage over several of the insured’s primary liability policies.  Umbrella policies have three functions:  1).  To provide additional limits above the occurrence limit of the insured’s primary policies.  2).  To take the place of the primary insurance when primary aggregate limits are reduced or exhausted.  3).  To provide broader coverage for some claims that would not be covered by the insured’s primary insurance policy.

Umbrella limits are generally available in limit ranges from $1,000,000 to $100,000,000.

Miscellaneous Errors & Omissions
Protection against claims by clients alleging pecuniary loss due to errors or omissions in the performance of work for them is available for a growing list of semi-professional and service type pursuits.  These include adjusters, data processors, advertising agencies, hearing aid service offices, real estate agents, stockbrokers, surveyors, telephone secretarial services, title abstractors, and travel agencies.

Alternative Risk Plans

• Large Account Expertise

• Self-Funded Risk Management Arrangements including:

  • Large and Small Deductible Plans

  • All Lines Aggregate Plans

  • Incurred Loss Retrospectively Rated Plans

  • Paid Loss Retrospectively Rated Plans

Alternative Funding for Workers Compensation

Personal Lines Insurance

Whatever your personal insurance needs may be, we have the products and services that are best designed to meet your needs.  We can provide the right product for you, whether you have standard insurance requirements, or more complex exposures to cover.  Our through risk review results in coverage recommendations to handle the complexities of insurance without complicating your life. 

We bring unparalleled personal service, as well as having a vastly experienced staff with the highest integrity and service standards.  If you appreciate attention to detail and friendly, personal service, give us a call.

Homeowners
We can provide coverage for homes of any value, from $50,000 to $5,000,000 and up.  Because we represent many different insurance carriers, we can choose the coverage that best fits your specific needs.  We can respond quickly to provide you a policy with features including the following:

• Guaranteed Replacement Cost

• Broadened Personal Property Coverage

• Mysterious Disappearance Coverage

• Renewal Discounts

• Multi-Policy Discounts

We also provide Package Policies which include all of your required personal coverages on one policy, with one expiration date, one agent and one carrier.

Automobile
Everyone has different auto needs.  Some families have high-valued, luxury cars.  Others have youthful operators with less than perfect driving records.  At BHC, we have the unique ability to market your auto coverage with numerous carriers to find the carrier that best suits your needs. 

We can structure your program with different liability limits and deductible options.  We also provide significant discounts, including:

• Multi-Car Discount

• Home/ Auto Credit

• Good Student Discount

• Driver Training Discount

• Renewal Discounts

Boat
Adequate boat liability and physical damage coverage has sometimes been overlooked by insureds.  We have the ability to write coverage on any watercraft-  from ski boats, to bass boats, to house boats and yachts- we can give you the assurance that you need on the waterways.

Boat coverage can also be integrated into our exclusive Personal Package policies so that you can add your boats to a single, comprehensive policy.  Please inquire with our Personal Lines Customer Service Representative for a quote.

Recreational Vehicles
We can adequately insure almost any recreational vehicle that you can purchase, including all-terrain vehicles,  motorcycles, snowmobiles, and mopeds.  Rest assured knowing that no matter how hard you play- we’ve got you covered at BHC. 

Personal Liability Umbrella
Personal umbrella policies give you and your family an extra layer of liability insurance and confidence to protect your assets litigation.  Multi-million dollar judgments are becoming commonplace today, and one adequate insurance solution is the purchase of and umbrella policy.

Umbrella limits are readily available in increments of $1,000,000 to $10,000,000, and are usually extremely affordable.  They provide excess liability coverage over and above your underlying limits, including:

• Personal Liability Limit of Homeowners Policy

• Auto Liability

• Watercraft Liability

• Motorcycle Liability

• Recreational Vehicle Liability

Please inquire as to how you can provide this extra layer of protection to you and your family.

Life & Financial Services

Life Insurance

• Variable Universal Life

• Term Life Insurance

• Whole Life Insurance

• Universal Lifer Insurance

• Group life Insurance

• Voluntary Payroll Deduction

Health Insurance

• Short Term Major Medical

• Individual Health Insurance

• Group Medical Health Insurance

• Self Insured Health Plans

• Cafeteria Plans

• Medicare Supplements

• Dental Insurance

Long-Term Care Insurance
WHY BUY A LONG-TERM CARE PLAN?

• Having freedom of choice

• Protecting assets

• Preserving financial independence

• Ensuring adequate income for spouse

• Avoiding having to rely on others

• Avoiding dependency on Medicaid

• Being able to afford needed health care services

Disability Insurance

• Individual Disability

• Group Disability for Employees

• Physicians / Medical Disability Insurance

• Small Business Owners

• Government Employees

Annuities
THE BENEFITS OF A FIXED ANNUITY:

• Liquidity

• Safety of principal

• Tax-deferred earnings

• Guaranteed rate for a specified period of time

• A guaranteed income you can't outlive

• Avoidance of the probate process

Employee Benefits

Special Programs

• Retail Operations

• Manufacturers & Distributors

• Churches & Schools

• Lessor's Risk for Building Owners

• Non-Profit & Social Services Organizations

• Professional Groups & Associations

• ... and more.