| Business keeps changing. The need to protect it, and your employees, remains the same. |
Whether planning for the continuation of your business in the event of loss of a key person or partner, or insuring it against loss from catastrophic or accidental, Haas, Haas + Associates is your partner in protecting your business internally and externally.
Count on us to provide you with the coverage that fits your organization’s structure and needs:
Life insurance is not only for families. It can also help protect the business in the event of a death of a key employee or partner.
Key Person: Provides funds to keep your business running smoothly after the unexpected loss of an employee pivotal to the success of your business.
Buy/Sell: Addresses the concerns of surviving partners of a business if one or more of the partners is no longer able to continue, because of death, disability, retirement or desire to sell.
Partnership Insurance: Life insurance on a partner paid for by the other partners.
Disability insurance is especially valuable within companies where a select number of key employees are critical to the success of the business. As a sole proprietor or small business owner, consider disability insurance to protect your income and/or the ongoing viability of your business should a key employee (you or another) become disabled.
Key employee disability insurance: pays income to a disabled key employee.
Business overhead expense insurance: provides funds to cover normal operating expenses such as salaries, rent, utilities, equipment leases, etc. should a disability occur to the business owner or principle.
| Property and Casualty/Liability Insurance |
Property and Casualty: Protects the value of the business’s physical structure against events such as fire, wind, loss of power, water damage or crime.
Directors and Officers Liability: Provides financial protection for the directors and officers of your company in the event that they are sued in conjunction with the performance of their duties as they relate to the company.
Employment Practice Liability (ELPI): Provides protection for an employer against claims made by employees or former employees. ELPI covers discrimination, wrongful termination of employment, sexual harassment, and other employment-related allegations.
Group Benefits
Providing meaningful benefits to your employees helps attract and retain a motivated workforce. In some cases, as few as 2 employees are all that is required to take advantage of group life or dental/vision programs.
• Group Life & Disability
• Dental/Vision
• Vision
• Healthcare – Medical
• Representing national carriers
• HRA – Health Reimbursement Accounts
• HSA –Health Savings Account
• Association and Affinity Programs
• Custom designed benefit plan |
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Voluntary Individual Benefits
Voluntary benefits are payroll deductions by the employee and range from life insurance to supplemental specialty healthcare policies. Even if an employee leaves his or her employment, they can still maintain this financial protection.
• Term and whole life insurance
• Accident insurance
• Cancer insurance
• Critical illness insurance
• Individual short-term disability insurance |
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