This page is archived as of 9/3/03. It is no longer updated.

INSURANCE BENEFITS

As a business owner, you need the resources to not only keep up with your profession but to keep your business competitive and financially healthy. That's why the Main Line Chamber has endorsed Colburn-Bertholon-Rowland to provide you with:

Employee Benefits

Group Medical, Life & Disability
CBR can provide your company with a comprehensive employee benefits package including health, accident, short and long term disability, and term life coverage, as well as flexible benefits (section 125--cafeteria) plans. We can also suggest voluntary benefit plans for life and disability coverage which don't have stringent participation requirements. Many of these programs offer tax advantages to both the employer and the employee.

CBR's sales staff is always available to conduct employee benefit meetings to keep you aware of your coverage options, and how to use your plans. You can also count on CBR' fully staffed Medical Insurance Department to guide you through administration and claims issues.

Personal Insurance Protection

Medical Insurance
CBR works with Blue Cross and Blue Shield to provide members with the highest quality benefits and more plan choices for the best value in the market today. Comprehensive packages are available including traditional indemnity plans and managed care options for members, their families and their employees. Supplemental plans including Dental and Vision programs are also available.

Life Insurance
Level term life plans at very competitive rates are available to members and their spouses, as well as other quality term and permanent life insurance products.

Disability Insurance
Generous benefit amounts are available on disability programs which provide quality coverage at affordable rates.

Long Term Care Insurance
Each policy will be designed to meet a member's individual needs. A variety of plans are available with coverage that pays for both nursing home and in-home care. You have the flexibility to choose the daily benefit amount, the benefit period, and the elimination period that best fit your personal circumstances.

Retirement & Estate Planning
CBR has increased its capabilities in the financial planning area to help you develop a program that incorporates both your business and individual financial goals. By providing you with an analysis of your current plan, and suggesting ways to combine or supplement your existing coverage, we can design a plan that will provide comprehensive protection and maximum growth potential.

Professional Liability/Property Casualty

Professional Liability/Errors & Omissions
This invaluable coverage protects you and your business in case of negligent acts or errors and omissions that may arise from doing business.

Directors & Officers Liability
A broad and comprehensive plan, provides coverage up to $10 million. It includes professional liability protection for Directors, Officers, and Board of Directors.

Property & Casualty/General Liability
A "replacement cost" policy designed for the owned or rented office space, includes General Liability coverage which protects you against bodily injury and property damage on your premises as well as on the premises of other.

Worker's Compensation
This coverage is required by law and covers your employees for work related injuries. It pays for unlimited medical expenses, rehabilitation, and loss of income.

Surety & Fidelity Bonds
CBR can fulfill your need for all types of Surety & Fidelity Bonds including: Executor Bonds, Administrator, Guardian/Trustee, Bankruptcy Receivers, and Employee Dishonesty Bonds.

Employment Practices Liability
This policy covers sexual harassment, discrimination & wrongful termination. It provides defense for allegations and lawsuits against the company and employees.