Commercial Property & Casualty

Also known as Accident, Sickness, and Disease, Stallion Infertility coverages are available for proven stallions. Should your stallion become infertile or incapable of breeding due to an illness or injury, this coverage will reimburse you. Prospective foal coverage is also available in the event that a foal is not born alive or passes away prior to the end of the coverage. These are excellent coverage options for breeding operations that rely on income from their stallions and foal sales, along with horse owners that want to breed a foal from their special mare.

If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

Some carriers allow you to purchase additional Surgical coverage to your Major Medical coverage, and some allow you to purchase Surgical only, without Major Medical. Surgical coverage also usually has a deductible. It often includes post-operative care for your horse.

 

If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

For most people, a car is a necessity. Car insurance is required by Washington law, but it also just makes sense. You drive to work, you run errands, you take your kids to soccer practice, and you just don’t have time to worry about paying for repairs or buying a new car if you have an accident! If you were involved in a serious accident, you could also be liable for damages and medical care for yourself and the other party. Car accidents are common, and no matter how careful you drive, there is no guarantee that other drivers will afford you the same courtesy. Our top carriers have policies that can protect you in case of an accident or other damage to your car and any other car that you drive. Contact us today to get competitive quotes from all our carriers!

If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

Like many Americans, your home is probably one of your most valuable assets. When you work with us at ISU Insurance Solutions Group LLC, you will sleep better at night, because you know you got the best deal on the coverage you needed to protect yourself and your family. We work with you – no matter the value of your home – so that losing your home doesn’t have to mean losing your financial future. Many policies also provide coverage for the contents of your home, your valuables like art and jewelry, medical costs for people injured in your home, and more. We can also help you find policies for renter’s insurance, home businesses, and even life insurance to pay your mortgage so that your family can stay in your home if you passed away. There are many options and policies out there, so contact us today for a custom quote!

If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

One of the most important coverages after health insurance to ensure your financial protection is Disability Income Insurance.

While you are in your working years, your most valuable asset is your ability to earn a living. However, statistics show that our chances are greater of becoming disabled than dying between the ages of 25 & 45.

During the time you are unable to work due to a qualifying disability (illness or injury), the replacement of your regular income through the monthly benefit provided by disability insurance helps to maintain your pre-disability lifestyle. Workplaces often provide standard short-term disability (STD) and long-term disability (LTD) insurance to meet federal guidelines. Individual disability income insurance can be customized to meet your needs and considers your occupation, age, income and other factors in determining your cost and monthly benefit payment amount.

Individuals not offered disability through their employer and self-employed individuals who desire disability coverage, can purchase policies.

Those who have disability insurance through their workplace, may wish to consider a “wrap around” disability policy to supplement their employer provided coverage.

Short Term Disability generally allows for income payments to begin after about a two-week waiting period and will continue to pay until he/she recovers or maxes out the benefits–usually anywhere between one month to two years, depending on the policy.

Long Term Disability generally allows for income payments to begin after about a 90-day waiting period, although it could be much longer depending on the policy, but will continue to pay far longer than STD–for a few years, up to age 65, or even for life.

If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

Protect the people you love the most. When you can’t be there, life Insurance helps pay for your final expenses, your mortgage, your taxes, and the living expenses of your loved ones when they no longer have your income. It can also cover your children’s education and more.

Basic types of Life Insurance

Cash Value: This type of life insurance policy builds up a cash value that has many benefits to the insured, such as borrowing against the policy or building a tax deferred investment income, in addition to paying a death benefit. Whole life, variable life and universal life are all types of cash value life insurance. Cash value insurance is also known as permanent life insurance because it provides coverage for the policyholder’s entire life.

Term Life Policy: This type of coverage does not build cash or investment value. Term life insurance covers you for a set period of time provided you pay the monthly premium, or in some instances, a lump sum in advance. The policy will pay to the named beneficiary the face amount of the policy (set benefit and/or lump sum) upon death of the insured within the stated term. Depending on the policy, it may also make payments upon terminal or critical illness.

Whole Life Policy: This type of coverage combines term life coverage with an investment fund, and as long as you pay your premiums you are covered for life. Part of your premium goes towards the term part that pays a fixed benefit upon your death, and part of your premium goes toward building taxed deferred cash value that you can borrow against. Some whole life policies offer plans in which you can pay a higher premium for a shorter, fixed period of time, such as 20 years, vs. your whole life.

Universal Life Policy: This type of policy combines term insurance with an interest earning money market account. It has flexible terms that let you adjust your payment or coverage amount. Because this account incurs expense charges, you will need to adjust accordingly to make sure your coverage stays active, in the event that the amount in your account becomes insufficient to meet premium payments. You also have the option of building more cash value by paying premiums even when your account has ample funds to cover them.

Variable Life Policy: With this type of coverage, the death benefits for the life insurance policy are based upon how well the investment account it is tied to is performing (stocks, bonds or mutual funds). Higher performance yields higher benefits, wherein poor performance will yield lower or no benefits at all. Some policies offer a separate or extra premium for a set amount to be paid upon death of the insured.

Life Insurance can be complex. We recommend you call us for more details.

If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

Take care of your eyes with an individual vision plan that can be purchased separately or combined with your major medical insurance. Similar to individual dental policies, vision plans are inexpensive and save money on routine exams, eyeglass frames and lenses, contacts, and even discounts on procedures like LASIK. Monitoring your eye health with regular exams also helps to prevent serious eye diseases like glaucoma and cataracts and also helps to detect early stages of diabetes, high blood pressure, and high cholesterol.

If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

Individual and family dental plans or policies are relatively inexpensive, but can go a long way in promoting your overall health. Studies have shown that regular dental exams can not only optimize oral health to prevent cavities and bad breath, they also detect serious medical conditions such as heart disease and diabetes. Some studies have even shown that people who have dental insurance suffer less from depression, than those who do not have coverage.

Dental plans can range from a PPO or HMO to Pre-Paid, Fee-for-Service, and Discount on a variety of diagnostic and preventative care services including cleanings, exams, x-rays, fillings, orthodontia for children, and emergency care while traveling.

If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

ISU Insurance Solutions Group LLC offers a variety of individual and family major medical health insurance plans from some of the best carriers in the nation.

A Health Maintenance Organization or HMO health plan requires you to appoint a primary care physician and to use doctors and facilities that are affiliated with the HMO. If you use healthcare service providers outside of the HMO, there is a good chance those charges won’t be covered by your policy. The great thing about an HMO is that the only charges you incur, outside of your premiums, are co-pays for doctor’s visits and other services such as procedures and prescriptions.

A Preferred Provider Organization or PPO health plan will save you money on services if you use the preferred providers within the network. Keep in mind that deductibles must be met on this plan before some services will be covered. The good thing about a PPO is they generally will allow a certain amount of services annually outside of the deductible with a small co-pay, and, most often the PPO has a large network with quality care providers and excellent prescription drug coverage.

Catastrophic Plans are great for those healthy individuals who do not expect to need medical care throughout the year, other than routine preventative care (generally available for under age 30). Note catastrophic plans may or may not contain the essential benefits required by the ACA to avoid penalty.

If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

International liability can be added to many liability plans in case you travel for horse shows, events, to purchase your horse, or anything else. Contact us for more information.

 

 

 

 

If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

Horse farm and stable packages can cover your equine liability as well as your property, such as your home and contents, barns, sheds, machinery, equipment, tack, feed, and livestock. Your equine activities can also be covered, including boarding, training, breeding, racing, horse shows, and more. Care, custody, and control liability coverage can also be included along with other endorsements. These policies are tailored to fit your equine operation, so contact us for quotes.

 

If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

If your horse ever interacts with anyone other than you, you should consider a horse owner liability policy. If your horse injures someone or causes property damage, on or off your premises, this policy covers your liability. Someone inexperienced with horses could startle your horse and get kicked; your horse could damage its stall at a show; your horse could get loose in a road and cause an accident; and so forth. Protect yourself with a horse owner liability policy. If you lease out your horse for compensation, you should obtain a Commercial Equine Liability Policy.

If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

Like mortality, loss of use helps to protect your investment into your horse. Should your horse suffer an injury, such as a pasture or trailer accident, that prevents it from returning to work even after treatment, loss of use coverage can compensate you so that you can purchase your next partner.

 

 

If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

Major medical coverage can be purchased with your mortality coverage, which covers a broad range of medical services. Horses seem to hurt themselves in the oddest of ways, and the last thing you need is to spend your show budget on a vet bill. Or, even worse, what if the treatment costs thousands or tens of thousands of dollars? If you can’t afford it, you could be forced to put your horse down. Major medical coverage can help you avoid this “economic euthanasia,” so that you don’t have to make that kind of choice. Major medical coverage may have a deductible and copay, but covers expensive diagnostics and treatments that would not be included with the mortality policy otherwise. Typically coverage for regenerative therapeutics, such as stem cell, PRP, and IRAP treatments is included. Coverages vary by carrier, and as with all other lines, ISU Insurance Solutions Group LLC will quote your policy with multiple carriers to find you the coverage you need.

If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

The last thing anyone wants to think about is the serious injury or death of their horse. However, doing so is a necessary part of horse ownership. Many horses are not just pets: they are also investments. With training and showing, expensive activities, the horse becomes more valuable. You should protect your investment and your horse’s health with a mortality policy. Most mortality policies also include coverage for emergency colic surgery, theft, and guaranteed renewal, which means that even if your horse suffers an injury during the policy period, the carrier will renew the policy at the same value the following year. Major medical and/or Surgical coverage can be added to cover additional diagnostics and treatments. And, should your horse pass away, your policy will provide you with the funds you need to purchase your next partner. Coverages vary by carrier, and as with all other lines, ISU Insurance Solutions Group LLC will quote your policy with multiple carriers to find you the coverage you need.

If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

International liability can be added to many liability plans in case you travel for horse shows, events, sales, or anything else. Contact us for more information.

 

 

 

 

If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

ISU Insurance Solutions Group LLC can also work with its top carriers to design coverages for other types of equine businesses, such as service providers like chiropractors, massage therapists, horse care, vacation care, horse trailering, and saddle fitters, or tack stores, feed stores, or equipment or barn supply stores and manufacturers. Contact us today and we will find you the coverage you need to be protected.

If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

Hosting a horse show, clinic, or other event requires a lot of planning, so the last thing you need is an unexpected liability. Protect your business with property and liability coverage designed specifically for these types of events. Coverages typically include spectator and volunteer liability and volunteers are included as additional insureds.

If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

Farriers have very specific insurance needs, so there are commercial equine insurance policies designed just for them. Farrier insurance typically covers injuries to other people as a result of your business activities, damage to property due to your negligence, damage due to work you have performed, damage to horses while in your care, custody, and control, and more. Coverage for your equipment and supplies can also be added, such as your rig, forge, steel, and tools.

If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

All horse trainers, whether they give lessons or ride, should have coverage for property damage and liability. No matter how good your instruction is or how well you handle a horse, accidents happen. You need to protect yourself in case a student or horse were to be injured or cause property damage, or else the consequences could be catastrophic to you and your business. Trainers and instructors can be covered under commercial equine liability policies if they own or rent the property where they teach, or they can purchase an independent trainer and instructor policy that will cover them no matter where they teach. International liability can be added for trainers that travel abroad for shows, to buy horses, or any other business reason.

 

 If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

Horse farm and stable packages can cover your equine liability as well as your property, such as your home and contents, barns, sheds, machinery, equipment, tack, feed, and livestock. If you keep your horses at home, you must have noticed that they can be destructive! When accidents happen, you will want insurance in place to cover the damages. If you run any kind of equine business, such as boarding, training, breeding, or anything else, you need the Commercial Horse Farm & Stable Property & Liability policy, which can include care, custody, and control coverage along with other endorsements. All of these policies are tailored to fit your farm, so contact us for quotes. As always, at ISU Insurance Solutions Group LLC we will shop your insurance needs among multiple top carriers to ensure you get the best rates on the coverage you need!

 If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

General commercial equine liability policies apply to most equine businesses. If you perform equine activities on your own or rented property, you should have a commercial equine liability policy even if you have other general liability coverage. Horse activities are higher risk, so you need to be sure that injuries and accidents on your property won’t put you out of business. Typically, you need this coverage if you provide: boarding, training, breeding, racing, horse sales, horse shows, clinics, team roping or penning, or other riding activities. Even if you just lease out your horse, you receive compensation and therefore should consider purchasing this policy in case of injury or damage to property to or by the person leasing your horse. Care, custody, and control liability coverage can also be included along with other endorsements. Contact us so that we can put together a policy just for you.

 

If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

A Surety Bond protects against fraud, theft or dishonesty. Most surety bonds are considered a three party contract between the principal (business owner) the obligee (consumer/government entity) and the issuer of the bond (the surety). The bond is a financial guarantee that the principal will always act with integrity, honesty and responsibility. The bond CAN cover any damages or losses if the client is found to be liable.

If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

Employee Practices Liability Insurance (EPLI) is a wise decision for any company who has employees, especially in today’s litigious environment. This type of insurance covers employers, including their Directors and Officers, against allegations made by employees, former employees, and potential employees claiming their rights have been violated. This includes, but is not limited to, wrongful termination, discrimination, sexual harassment, breach of employment contract, negligent evaluation, failure to employ or promote, wrongful discipline, deprivation of career opportunity, wrongful infliction of emotional distress. The policy will pay for legal defense costs, whether case is won or lost, and pays any settlements or judgments against you. premium is based on the number of employees, nature of business, turnover rates, loss history and types of safeguards in place such as an employee handbook.

If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

Professional indemnity insurance or commonly know as errors & omissions is a form of liability insurance that helps protect professional advice- and service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit. The coverage focuses on alleged failure to perform on the part of, financial loss caused by, and error or omission in the service or product sold by the policyholder. These are causes for legal action that would not be covered by a more general liability insurance policy which addresses more direct forms of harm. Professional liability coverage sometimes also provides for the defense costs, including when legal action turns out to be groundless.

 

If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

Directors and Officers Liability Insurance (usually referred to as simply “D&O”), provides financial protection for the directors and officers of your organization in the event they are sued in conjunction with the performance of their company-related duties. That’s why this type of insurance is well suited for publicly traded companies with a corporate board, or any private or non-profit organization that has Directors and Officers on staff involved in the overall management of the company. D&O insurance coverage is payable to the directors and officers of a company, or to the organization itself, as reimbursement for losses or to advance defense costs when an insured suffers such a loss arising from legal action brought against directors and officers for alleged wrongful acts in their capacity within the company. This includes attorney fees, settlements and judgments. Premiums are based on nature of business and how much coverage is secured.

If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

Professional Liability Insurance is perfect for service oriented type businesses like attorneys, physicians, accountants, financial consultants, etc. It is an insurance policy that will protect the insured from financial damages in the event they are sued for a perceived or real “negligence” that injures their clients. Premium amounts will depend on the amount of coverage you intend to purchase and vary based on industry, revenue size, length of time in business, geographical location and other factors. The policy will protect you from court and judgment costs, attorney fees and other defense expenses, as well as final settlements.

 

 If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

Cars, trucks, and other vehicles are probably vital to your business. They are usually excluded from commercial property coverage, because they must be covered under separate auto policies. Damage or loss of your business autos could cost your company hard-earned money, not to mention your company may be liable for medical expenses and damages to the other party in a car accident. You can’t supervise your employees all the time, and you can’t ensure that other drivers on the road watch out for them! With coverages available for all your business autos, rented autos, and even for your employees when they drive their own cars on a work errand, our top carriers can provide policies that protect your business from what could be catastrophic losses. Contact us today for competitive quotes on your business auto policy!

 

 If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

Commercial Umbrella and Excess Liability insurance adds another layer of protection and acts as a gap between your existing coverage and any expenses, settlements, judgments or legal fees (claims) that go beyond the limits of those policies. Simply put, this extra coverage helps in the face of catastrophic settlement amounts that could cause severe losses to your income or future income. A simple example would be a settlement calling for $1.5 million but your General Liability only covers you for $1 million. Your Umbrella policy would provide you the additional $500,000 to successfully settle the claim, without touching your assets.

Many businesses, especially small businesses and start-ups, find an Umbrella policy to be more cost effective than raising the limits on their existing policies. Premiums are based on several risk factors as well as the underlying policies.

 

 If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

 If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.

One of the most basic types of business insurance is General Liability Insurance or Business liability Many businesses are required to carry this type of insurance as a pre-requisite to doing business with other companies or for renting a space for your business. Coverage includes claims such as physical losses like trip and falls on your premises. This coverage can include fire damage cause by you at your business location, medical costs, compensatory damages, attorney fees, judgments, court fees and more. Premiums vary based on your specific type of business.

Product Liability Insurance is for retailers and/or resellers, manufacturers, wholesalers, suppliers, importers and distributers. It protects your business from financial loss and/or claims due to bodily injury and property damage resulting from any physical product the insured supplies, manufactures, imports, distributes, and even resells to the public. Premiums for these policies are based upon the type of product, volume of sales, and the role of the insured in the process. If your business is involved in any part of the chain of commerce, then it is critical to secure product liability coverage. The policy will protect you from medical costs, compensatory damages, economic damages, attorney fees, costs and other punitive damages

ISU Insurance Solutions Group LLC offers group vision insurance through many of our major insurance carriers. It is offered on a stand-alone (voluntary) basis or incorporated into the group health plan offering. Whether as voluntary or paid benefit, employees appreciate vision coverage as part of their Employee Benefits Package. Below you will find detailed information on the benefits of Vision coverage and how the plans typically work.

Details of our Vision Plans
Vision plans are inexpensive and save employees money on routine exams, eyeglass frames and lenses, contacts, andVeven discounts on procedures like LASIK. Monitoring your eye health with regular exams also helps to prevent serious eye diseases like glaucoma and cataracts and also helps to detect early stages of diabetes, high blood pressure, and high cholesterol.

Employees appreciate dental coverage as part of their Employee Benefits Package. ISU Insurance Solutions Group LLC offers group dental insurance through many of our major insurance carriers. They are offered on a stand-alone (voluntary) basis or incorporated into the group health plan offering.  Whether as voluntary or paid benefit, employees appreciate dental coverage as part of their Employee Benefits Package.  Below you will find detailed information on the benefits of dental coverage and how the plans typically work.

Details of our Dental Plans

Regular dental exams help employees stay healthier and more productive in the work place. In fact simple routine visits to the dentist, which are usually covered 100% by insurers, help to detect serious underlying conditions such as heart disease and diabetes. The National Association of Dental Plans and the Centers for Disease Control have performed studies that show that employees with Dental Insurance plans have better attitudes and are less likely to suffer from depression, a common condition these days.

Dental Plans offer a variety of diagnostic, preventative care and corrective services including cleanings, exams, x-rays, fillings, root canals, orthodontia for children, and emergency care while traveling.

ISU Insurance Solutions Group LLC offers traditional health plans through most major carriers. Depending on your needs, we have plans that offer the Minimum Essential Coverage (MEC) as required by the Affordable Care Act (ACA) to full customized packages that offer additional benefits. We also offer various plan types, such as HMOs, PPOs, HSAs, and HRAs.

A Health Maintenance Organization (HMO) requires group members to obtain their health care services from doctors and hospitals affiliated with the HMO. Members are required to designate a primary care physician who treats and directs health care decisions and who coordinates referrals to specialists within the HMO network. HMOs offer access to a comprehensive package of covered health care services in return for a prepaid monthly amount (or “premium”). Most HMOs charge a small co-payment depending upon the type of service provided.

With a Preferred Provider Organization (PPO), members save the most money on health care if they use providers within their network. If providers outside of the network are used, it is possible that those services may not be covered at all. Deductibles must be met on this plan before some services will be covered and most plans have an out of pocket maximum for the member. PPOs typically require a co-pay for physician visits.

A Health Savings Account (HSA) combines a high deductible health insurance plan with a savings account. Both the employer and the employee can contribute to the employee’s savings account before tax, and the money in the account can help fund the deductible and other qualified medical expenses. Like PPO plans, with an HSA the employee can access better rates on in-network services and once the deductible is met, the insurance company pays all claims.

Similar to an HSA, a Health Reimbursement Account (HRA) combines a high deductible health insurance plan with a tax-favored savings account. Employers contribute to the savings account, which can be used to fund the employee’s co-pays and other qualified expenses prior to the deductible being met by the employee. HRAs may result in lower costs for the employer, but may have more administrative demands. Ask us how to make the most of HRA and HSA plans.

Single, Dual or Triple Option Plans offer eligible employees a choice between several different types of plans as described above.

 

If you would like a quote, click here to be directed to our Quote form or call 425-486-8551 for more assistance.