[Contact Us] [Site Map] Main Home Who Are We Forms Companies Coverages Business Personal Programs Inns Self Storage Schools Social Service Choose from the links below Life Is All About Options Why LJM Insurance Agency Makes The Grade The ABC's of Our Unique and Specialized Services Business Insurance 101 Ten Questions: Reducing Your Risks What's Your Risk IQ? Business Insurance 101 Prior to working with LJM Insurance, our loses were OUT OF CONTROL. Ken and Lindsey helped us to set up a program to control our claims. Thanks to LJM Insurance we now have a highly competent claims management program that reduced our experience rating dramatically. Barbara Brown, Ed. D. President/CEO Amego, Inc. When you partner with LJM Insurance, you get more than just insurance coverage. Your concerns are addressed and you receive education and training that can reduce your risk and lower your claims — resulting in lower costs. Addressing Your Concerns At a recent meeting of private school administrators, some of the concerns discussed included liability, availability, scope of coverage, and cost. Here's how LJM Insurance addresses these concerns: Liability Identifying exposures that deal with violence, searches, video and audio surveillance, drug testing, discipline, corporal punishment or physical force, mandatory reporting requirements, constitutional rights, use of the Internet. Availability Working with highly rated companies who are diversified, financially strong, offer fair prices, and extend outstanding customer service. Scope of coverage Negotiating coverage and conditions with an underwriter who understands your school's requirements. Cost Helping to contain cost through customized monitoring, analysis, and trending of claim activity; regularly scheduled claim reviews; consistent interaction and communication with carriers' claims adjusters, and more. Commercial Property for your Building Are you adequately covered? If not, do you realize that at a time of loss you will be co-insuring, thereby collecting only part of your claim? Commercial Liability Do you maintain current certificates of insurance on all your subcontractors? Do they name you as additional insured? Commercial Auto Do you know who drives your vehicles? Are the records of drivers checked annually? Do you have a driving safety program? Workers Compensation Do you have frequent claims? Are all claims reviewed? Do you make sure all claim reserves are being treated fairly? Umbrella Do you have adequate limits of coverage? Does your umbrella policy cover your underlying policies? Are there any gaps? Directors and Officers Does your D&O policy adequately cover the assets of the directors as well as the organization? Does your policy cover directors if they sit on other boards? Employment Practices Coverage Is your employee handbook up to date? Do you comply with all the Federal and state rules and regulations? Do you have third party coverage? Employee Benefits Do your employees understand and fully appreciate the non-salaried benefits they receive? Are you confident that you are fully in compliance with benefits legislation? Copyright ©2007 LJM Insurance Agency, Inc.