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| The ABC's of Our Unique and Specialized Services |
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| When LJM Insurance came in and reviewed our insurance program, they found major gaps in coverage that we were never aware of. This put us at great financial risk. Now that LJM has updated our coverage and found us competitive rates, we know that we are properly covered at reasonable cost. |
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| | Norm Marowitz, CFO |
| | Atlas Water Systems, Inc. |
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| The only difference between ordinary and extraordinary is a little "extra." When you partner with LJM Insurance, you are assured all the "extras" when it comes to insurance, superior service, education, and training. |
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| Loss Control Information and Services |
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| LJM offers you professional, practical and cost-effective methods of reducing losses — making a measurable difference in your profitability. With 15 years of experience in protecting clients' assets, LJM can partner with you to better protect your property and your people. This includes on-site evaluations, safety recommendations, loss analysis, and emergency preparedness. |
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| LJM can help you to standardize procedures for reporting accidents; establish accident, injury and illness reporting; implement return to work programs and worksite evaluation; assist with OSHA record keeping; and more. |
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| When you control losses and reduce risk, you increase morale, protect your property and assets, and add to your bottom line. |
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| Violence in the Workplace |
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| Violence in the workplace is sweeping the nation and has become a serious safety and health issue. In its most extreme form, homicide is the third-leading cause of fatal occupational injury in the United Stated. According to the Bureau of Labor Statistics Census of Fatal Occupational Injuries (CFOI), there were 639 workplace homicides in 2001 in the United States, out if a total of 8.786 fatal work injuries. Learn how you can protect your greatest assets — your people. |
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| Employment Practices |
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| Employment practices liability, once considered a luxury, is often excluded from general liability policies. With more than 800,000 employment practices claims filed with the EEOC in 2003 alone — and with awards exceeding $247 million — employment practices insurance is crucial. You must protect yourself from retaliation to racial, sexual, or age discrimination. |
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| Sports and Playground Liability |
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| The playing field has changed, and you can no longer count on patching together coverage from multiple sources. In one package and with one application, LJM can offer you highly flexible insurance for claims of bodily injury, property damage, and personal injury from school-sponsored sports activities; excess liability insurance; protection for sexual misconduct; accidental death and dismemberment and accidental medical insurance; and protection for board members, volunteers, and others involved in a sports program. |
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| Property Protection and Replacement Cost |
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| It is critical to be insured correctly so you comply with current building codes and requirements. |
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| Workers Compensation |
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| LJM can help you to determine how, where, and why accidents can occur and identify prevalent trends and causes. On-site training will be available with the intention of lowering your workers compensation claims. You will also have access to an extensive library of materials through loss control. When accidents do occur, LJM will work with providers by handling injured worker claims in a timely and compassionate manner. |
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| Employee Benefits |
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| Employee benefits are sometimes more important than jobs themselves. Many people take jobs just to get the employee benefits and leave jobs that don't offer competitive benefits. The most important benefit is health insurance. However, other benefits employees want are dental, vision, life, short- and long-term disability, long-term care, flexible spending accounts, cafeteria plans, vacation, and employee assistance programs. You will have a dedicated senior underwriter assigned to manage your group and increase enrollment. |
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| Directors & Officers Coverage |
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| With the severity and frequency of lawsuits and the instability of the industry's insurance carriers, coverage for directors and officers is more important than ever. You want an insurance company that is finacially sound in addition to having proven D&O claims management and underwriting expertise. This assures you the coverage you need when you need it. |
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