The Underwriter’s Group

502-244-1343

Services

Insurance Solutions Built For You

The Underwriters Group is one of the largest insurance agencies in the country, which allows us to provide a broad spectrum of insurance products, services and expertise to our clients. No matter the industry, we are capable of designing comprehensive insurance solutions that can help your business grow.

Beginning with a thorough review and analysis of your needs and objectives, we will work together with you to determine the best insurance companies to suit your business.

We carefully review a wide range of available rates and coverages to help assure you have a complete understanding of all your available options and are partnered with the best long-term business solution. Once we finalize an insurance plan that meets your needs, The Underwriters Group remains a constant resource to help you make appropriate changes in your insurance coverage that reflect your evolving business needs.

What We Do

Our Services

Commercial Insurance

Cyber Insurance

Regardless of the nature of your business, almost all business computer systems contain sensitive data. Storing this sensitive data can make you vulnerable to cyber-attacks. Not only can a cyber breach put your business at risk by opening the door to identity theft and other financial crimes, it can also create serious legal liability if customer data is compromised.

If customer data stored on your business computers is stolen in a cyber-attack, you can be held legally liable for any consequential damage they incur. In light of the recent uptick in high-profile cyber thefts perpetrated in the U.S., more businesses are investing in cyber liability coverage to help mitigate their cyber risk.

Dealership Services and F&I

The Underwriters Group offers a full line of Finance and Insurance (F&I) products and training for auto dealers.

Car and truck dealers have unique risks. The Underwriters Group understands these risks, and we offer products and insights to help our franchised auto and truck dealer customers identify and protect against potential business disruptions. Our research and years of experience have led us to offer a full suite of products to help auto dealerships flourish.

  • In-dealership training with a dedicated professional
  • The highest quality products, brands and services in the business
  • Competitive rates on every F&I product
  • Nationally-recognized specialists in evaluating and structuring personalized solutions
  • Professional evaluation of your current plan and explanation of all available options
  • Compliance deal audits with specialists and state-of-the-art tools
  • Training for managers and sales staff
  • In-store support, online tools and up-to-date training manuals

Employee Dispute Resolution Programs

Our Employee Dispute Resolution (EDR) services allow your employees to voice their concerns to a third party, helping ensure a prompt response from management and a streamlined resolution process that reduces time, stress and costs.

An employment-related lawsuit can take upwards of five years in the court system, but our EDR services can achieve a satisfactory resolution in a fraction of that time. We help your business protect its brand, save time and costs, minimize stress and avoid lengthy court battles, mediations or class action lawsuits. And, we help maintain a harmonious work environment both during and after the resolution process.

If you’re an employer with a considerable number of employees and reasonable turnover, alternative dispute resolution can provide an early warning system and help protect your employees, managers and brand image. No matter your industry, we have the expertise and experience to manage the employment disputes you may face.

Employee Benefits and Administration Services

The Underwriters Group’s employee benefits department is a team of licensed life and health agents, account managers, marketing specialists and service representatives.

We combine innovative talent with over 100 years of experience to provide the highest quality of services to our customers. Our staff regularly pursues continuing education opportunities while keeping abreast of current industry trends. Our continual research in the industry affords us the ability to provide timely communication to our customers of the most up-to-date standards.

We work with a large variety of carriers to offer our clients a diverse offering of the following products:

  • Fully Insured and Self-funded Medical Plans
  • Healthcare Spending Accounts (HSAs) and Healthcare Reimbursement Accounts (HRAs)
  • Wellness Programs
  • Disease Management
  • Dental Plans and Vision Plans
  • Group Term Life and Accidental Death & Dismemberment
  • Permanent Life Insurance
  • Voluntary Plans via Payroll Deduction
  • Short & Long-Term Disability
  • TPA Services
  • Flexible Spending Account (FSA) Administration
  • 401(k) Plans

 

Group insurance and employee benefits can be one of the most complicated—and costly—parts of running a business, but they don’t have to be. You deserve customized solutions and personalized service that make insurance easier and more efficient.

We’re here to make your life easier.

Excess Workers' Compensation

Excess Workers’ Comp Wholesale
In the placement of your excess coverage, our mission is to provide your company with a quality and comprehensive program at the lowest possible premium. We accomplish this mission by:

  • Possessing a unique ability to access major providers of excess workers’ compensation coverage. We understand one size does not fit all. Your exposures, loss experience, coverage needs (Specific-only coverage or Specific and Aggregate coverage) and applicable jurisdictions all play a part in securing the most appropriate carrier for your program. 
  • Understanding your specific needs with our risk management assistance to identify exposures or areas in your operations that may create unique situations when retaining significant risk. 
  • Working with you and your state regulator(s) to simplify and streamline annual compliance and reporting requirements. This can be a daunting task, but not with our help. We currently assist our clients throughout the country in this process, giving us familiarity with your state’s unique requirements. 
  • Communicating with your third party claims administrator to help ensure proper claims reporting as specified by the excess contract. Our goal is to avoid having the carrier apply late-reporting penalties or even deny the claim entirely. 
  • Assisting you with loss control, claim audits, actuarial reports and other services associated with a well-rounded excess program. 
 

Excess Insurance Coverage Overview

Excess coverage is needed for either catastrophic or an abnormally large number of claims in a given contract period. Below is a quick overview of the types of coverages available. 

Aggregate Coverage

This is frequency coverage. With aggregate coverage, you can cap the losses you are responsible for during a given policy period. Once your losses have exceeded a predetermined Loss Fund, the contract will reimburse you up to the policy limit. 

Specific Coverage

This is essentially severity coverage. A single bad accident can often result in a claim much larger than you are, for risk management purposes, prepared to pay. With specific coverage, you can set a specific retention (SIR) above which the excess policy will reimburse you up to your policy limit. 

Specific and Aggregate Coverage

Combining the above two coverages under one contract provides both severity and frequency coverage. 

Group Health

Health can be both personal and financial, so our relationships with reputable national insurance carriers help you get the employee benefits you need and the cost control remedies you want. We can help clients to secure coverage in the following areas:

  • Medical Insurance
  • Disability Insurance
  • Dental Insurance
  • Healthcare Spending Accounts (HSAs)
  • Healthcare Reimbursement Accounts (HRAs)
  • Flexible Spending Accounts (FSAs)
  • Vision Insurance
  • Voluntary Worksite program
  • Life Insurance
  • Medicare Supplements, Advantage and Part D coverage
 

Medical Mutual of Ohio

Cigna

Center Care (Payer Compass)

Third Party Claims Administration (TPA)

We offer Third Party Administrator (TPA) claims management services, helping to make the claims process easier so you can focus on the core of your business. These services include: 

  • Employee Web Access: Online view of deductibles satisfied, co-pays and out-of-pocket expenses, ID card request, claims status and enhanced direct communication with payor
  • Employer HR: Online enrollments/adds/changes, health benefit information, provider directories, eligibility, claims status, ID card request and customizable group reports, all available 24/7
  • COBRA and HIPAA administration
  • Access to competitive stop-loss carriers in the reinsurance marketplace
  • Access to local, regional, and national Preferred Provider networks
  • Direct claims repricing capabilities
  • Full range of claims management services
  • Plan auditing services available
  • Monthly, quarterly, semi-annual, and annual claim reports
  • Local representation for enrollment, billing, and customer service

Risk Management

Unlike some brokers who only come around at renewal, our team will stand by your side from day two through day 365, working tirelessly year-round to help you get the most out of your coverage. We call these Day Two Services®. From risk management and claims advocacy to benefit plan services and administration, our trusted professionals turn your uncertainties into possibilities.

We even provide an annual service timeline so you know what to expect and when to expect it. Your Day Two Services® encompass everything you need to manage your risks, limit your liability, administer your plans and control your costs.

Contact Us

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