There is no better way to show your employees that they are valued than providing them with quality insurance coverage.  Employees who feel valued go that extra mile to get the job done.  We are proud to be able to provide our commercial clients with Employee Benefits Programs.

Medical Benefits Programs include:

• Medical, Dental, Vision, and Disability, and Section 125 pre-tax reimbursement accounts.
• Self-insured programs to meet the special needs of employers.
• Fully insured programs for employers of all sizes.
• Consulting services on design, cost-containment, management and program development.

For group plans please click here, complete the form and we will be happy to help you.

Churches, Synagogues, and other Religious Institutions

Brown & Brown of Lehigh Valley is a major provider of insurance services for over 1000 Churches and Synagogues in Pennsylvania, New York, and New Jersey. We are one of the largest providers of religious organizational insurance in New Jersey. We are intimately familiar with the full range of coverage, claims, and risk management issues for religious organizations.

Our real strength is our years of experience dealing with every issue your religious organization might face. We know what to do and where to go when there is a problem. Due to the volume of religious organizations we insure, we are able to access preferred pricing and coverages from our companies. Some of our programs are exclusive to us. This office (formerly Bowers, Schumann and Welch) has been writing Religious Organization Insurance for over 35 years and enjoys a reputation for being knowledgeable and possessing high integrity. We are ready and able to meet your needs.

We provide products for the insurance issues facing all type of Religious Organizations:

• Market specific insurance products which address spiritual counseling, Directors & Officers, Employment Practices Liability, and other similar exposures.
• Exclusive programs with preferred pricing for our clients only.
• Health Insurance and other group benefits.
• Insurance for 501(c)3 Corporations & other hard to place ministerial operations

Objectives:

• Provide the very best insurance protection addressing the needs of each individual client.
• Reduce your up front premium through group purchasing (when applicable).
• Give you long term cost stabilization.
• Develop reasonable loss control measures in an effort to minimize losses
• Establish Long-Term mutually beneficial relationships with our clients

Services:

• Frequent service calls throughout the year to address changes and/or questions.
• Attendance at board meetings to address insurance issues as needed.
• Appraisals of buildings to estimate replacement cost.
• Inspections to help assist in sound risk management.
• Periodic review of claims to highlight potential problem areas.
• Offering of classes in insurance with an emphasis on church liability issues. 
• Sexual Misconduct Exposures, etc.
• Run Motor Vehicle reports on drivers.
• Comparison of current coverages to available coverages.

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Municipalities/Governmental Agencies

We provide solutions for the insurance issues facing municipalities today:

• Affordable Workers Compensation with the potential to receive dividends.
• Assistance in setting up a Workers Compensation safety committee and receiving an annual 5% discount, which recent legislation makes permanent.
• Exclusive programs with preferred pricing for our clients only.
• Health Insurance and other group benefits.
• Insurance for unusual and hard to place operations.

Brown & Brown of Lehigh Valley is a major provider of insurance services for over 120 municipalities in the Lehigh Valley and beyond. We are one of the largest providers of Municipal Insurance in Pennsylvania. We support many of the county and state associations through memberships and/or exhibiting at annual conventions. We are intimately familiar with the full range of coverage, claims, and risk management issues for municipalities. We have helped local governments with unusual claims, litigation, cancellation of policies, and finding insurance for unusual exposures like recreation centers, golf courses, mechanical rides, fireworks, special events, etc. 

 Services:

• Frequent service calls throughout the year to address changes and/or questions.
• Attendance at board meetings to address insurance issues as needed.
• Appraisals of buildings to estimate replacement cost.
• On site Risk Management courses to reduce injury and liability.
• Periodic review of claims to highlight potential problem areas.
• A semi-annual meeting with all our municipalities to discuss key concerns and find ways to reduce premium cost.
• Offering of classes in insurance basics and Errors and Omissions liability to better educate our clients.
• Assist with setting up a Workers Compensation safety committee to obtain an annual credit of 5%.
• Provide Motor Vehicle reports on drivers.
• Comparison of current coverages to available coverages.
• Bid spec review for contract work.
• Defensive driving analysis.
• Pre-Unit report analysis.
• Renewal Marketing Analysis.

Objectives

• Reduce your up front premium through group purchasing.
• Give you long term cost stabilization.
• Offer enrollment in dividend programs:
• Errors and Omissions
• Police Liability
• Package (fire, auto, liability)
• Workers Compensation
• Bring your coverage up to par with other municipalities
• Develop reasonable loss control measures to help assure future dividends and long term premium stability
• Implement specific programs to reduce Workers Compensation costs

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Towing, Auto Services, Dealers

We provide solutions for the insurance issues facing the Automobile Services Industry today:

• Numerous Carriers enable us to design the program that fits your needs. Our full complement of insurance products to fill all your insurance needs includes:
• Business Insurance
• Workers Compensation
• Umbrella
• Health, Life, Disability, Long Term Care
• Bonding
• Personal Lines: Home, Farm, Auto, Boats
• Assistance in setting up a Worker's Compensation Safety Committee and the ability to receive an annual 5% discount which recent legislation makes permanent (PA only).

Brown & Brown of Lehigh Valley has been a major provider of insurance coverages to Towing and related Auto Services Industries throughout Pennsylvania, New Jersey, Delaware and Maryland for over 30 years.
We have developed the first ever alternative market program for the "Best of the Best" towing operations, the United Towing Alliance which is now expanding beyond our general coverage area into West Virginia, Virginia, New York, Ohio, Michigan and Illinois.
Our real strength has come from being able to offer the most complete programs with the most comprehensive coverages at competitive prices. We do not just copy someone else's work, but do a thorough risk analysis so that our insured's have available to them the proper coverage at the property limits. This is supported by a full service office of approximately 90 insurance professionals, each a specialist in their respective field.

Services:

• Frequent service calls throughout the year to address changes and/or questions:
• Site assessments
• OSHA related training ie: Forklift
• HM 126
• Employee Practices
• Worker's Compensation Safety Committee
• Defense Driving
• Drug and Alcohol for Supervisors
• Contract review for insurance requirements
• Renewal Marketing Analysis

Objectives:

• Reduce Total Cost of Risk (TCOR)
• Help with compliance issue
• Help insureds have a better understanding of their coverages and exposures
• Be a Trusted Adviser to our insureds
  

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