About Us

History

Insurance Associates was formed in 1969 by four independent insurance agents in Middletown, Ohio Their joint venture evolved into one of the most respected insurance agencies in the area. Today, the entrepreneurial spirit that built the business continues under the leadership of the current principals who are among the best in the field.

We pride ourselves on the prompt, friendly assistance we offer our policy holders and claimants. We are able to give you such good service because an entire team of agents and staff members familiarize themselves with your account. This way, you don't have to rely on one agent or one person for answers and advice. Instead, you have a group of professionals ready to work with you at anytime...all of the time.

Service Agreement

Servicing Policy

• The Commercial Account Manager will be assigned to your account and will be accessible to meet your policy service requirements in a professional manner.
• Certificates of Insurance will be processed and forwarded to you within one business day of receiving the request.
• Binders will be processed and forwarded to you within three business days of binding coverage

Account Procedures

• All service personnel will return telephone calls within the same day they are received.
• Audits will be reviewed upon receipt. Agency will request that the company complete the audit within 90 days of the policy expiration.

Claims Management

• We report all claims to your carrier immediately after receiving notification.
• Draft authority will be utilized to settle claims "in house" whenever possible.
• Agency will maintain open and frequent communication regarding the status of open claims.
• Loss runs will be reviewed at your request on a monthly, quarterly or semi-annual basis.
• Agency will review your Workers' Compensation Experience Modification (where applicable) for accuracy on an annual basis.

Renewal Procedures

• Agency will begin reviewing your policy renewal with the appropriate insurance carriers 60-90 days prior to your policy expiration.
• Agency will provide a renewal proposal and premium quotation prior to your expiration.

Your Duties and Responsibilities

• Timely payment of all premiums
• Audit premiums are payable upon receipt
• Timely reporting of all claims.
• Prompt notification of any material changes or additions to your operations.
• Compliance and/or written response to loss control recommendations.

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