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OthersFirstSM Protection Package
| With Harleysville’s entry into the human services market, we continue
to deliver on our commitment to help agents grow their core business Harleysville is pleased to introduce you to the OthersFirstSM
Protection Package, a new program that offers insurance coverage tailored to
organizations that provide services to people with special needs, with an
emphasis on individuals with physical or intellectual disabilities, the
disadvantaged and the elderly.
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We
also
provide this valuable coverage to licensed facilities that serve
children without special needs, such as before- and after-school day
care programs, child and infant day care centers, nursery schools,
and preschools. |
The third new offering to debut under our StarAdvantage®
Series product suite, OthersFirst delivers a competitive product that can be
customized to the specific needs of this important, ever-expanding market,
which in turn helps our agents grow their commercial
business with us.
With Harleysville’s OthersFirst program, you get:
A broad consumer base. Among the many risks targeted for
Harleysville’s new human services program are:
- A variety of nonprofit/social service
operations, such as job training and vocational rehabilitation services
- Counseling facilities
- Community centers like YMCAs and adult day
care services
- Group homes
- Drug and alcohol residential facilities
- Missions
- Homeless shelters and food pantries
- Advocacy organizations for handicapped individuals and other similar
groups
- Well child day care centers
A solid coverage foundation. With Harleysville’s Commercial
Package Policy (CPP) as its base, the OthersFirst Protection Package
offers a full line of fundamental protection including commercial
property, crime, inland marine, general liability and umbrella. Coverage
can be written on a package or monoline basis. (Note, however, that
workers compensation is not available with these accounts, and that
Harleysville does not write property coverage in Florida.)
Flexibility in tailoring coverage to your customer’s precise needs.
Through optional broadening endorsements and coverage forms, you can add
enhanced coverages designed to guard against the special risks inherent to
the human services industry. Some examples include:
- Sexual abuse and molestation coverage
- Professional liability coverage
- Workplace violence endorsement
- Prepackaged upgrades to property and
general liability policies that insure against such situations as damage to
property of home care providers, crisis management expenses, emergency
vacating expenses, kidnap expenses, mobile medical equipment while away from
premises, and pledged donations expenses
- Broadened commercial auto coverage
that contains, among many other features, hired car
physical damage protection, employees as additional insureds, and protection against allegations of mental
anguish
Underwriting expertise. Harleysville employs a special team of
insurance veterans to oversee the underwriting and servicing of this
business. Their extensive experience in and knowledge of the human services
segment make them uniquely qualified to help agents write profitable
accounts.
Valued-added services for your customers. In addition to
quality insurance protection, your human services customers who are insured
by Harleysville receive discounted pricing on background checks and drug
testing, and have access to defensive driver training—even aquatic training
for YMCA organizations—plus many more risk management services that help
them minimize their potential for loss and help to ensure they can continue
their good deeds.
Competitive compensation. Harleysville pays competitive commission
rates for the human services business you place with us, and offers
profit-sharing opportunities (via our Agency Partnership Incentive Plan) you
may not enjoy with your present carriers.
The backing of a financially strong carrier with a reputation for
superior claims service. Founded in 1917, Harleysville carries an A.M.
Best rating of A- (Excellent) and has a longstanding reputation for
financial soundness and for providing superior customer service. Further, as
a Trusted Choice® company partner, Harleysville distributes its
products exclusively through a network of independent agents primarily
across 32 states.
Available in most Harleysville commercial lines states. OthersFirst
is available in 28 states: Alabama,
Arkansas, Connecticut, Delaware, Florida (no property), Georgia, Illinois,
Indiana, Iowa,
Maine, Maryland, Massachusetts, Michigan, Minnesota, Nebraska, New Hampshire, New
Jersey, North Carolina, North
Dakota, Ohio, Pennsylvania,
Rhode Island, South Carolina, South Dakota,
Tennessee, Vermont, Virginia and Wisconsin, as well as the District of
Columbia.
For more information
Harleysville Insurance is a leading regional provider of insurance
products and services for small and mid-sized businesses, as well as for
individuals, and ranks among the top 60 U.S. property/casualty insurance
groups based on net written premiums.
For more information on our OthersFirst Protection Package—or the many
other products and services we offer, including customized business
protection, auto, home, life, flood and inland marine:
- If you already represent Harleysville, contact your commercial lines
territory manager, personal lines territory manager, business development
specialist, or commercial or personal lines underwriter.
- If you are interested in an appointment with Harleysville, call
800.523.6344, ext. 5016, or e-mail our corporate marketing department at
dbiehl@harleysvillegroup.com.
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