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Vendor Services and Discounts
Fitzmaurice-Garvin Insurance Agency
Northern Physicians Organization (NPO)
Businessowners Package Policy
A program jointly developed for the NPO by The Fitzmaurice-Garvin Insurance Agency,
The Cincinnati Insurance Company and various other carriers/companies.
Program
Highlights
As an NPO member, you may be eligible to
receive all benefits that Cincinnati's
Businessowners Policy offers, plus you receive:
- Preferred rates on your building and
business personal property coverage
- Communications equipment coverage
pays up to $500 per occurrence for
covered loss to your cellular phones,
pagers, Blackberries® and similar radio
and radiotelephone equipment
Options to Round Out Your Insurance
Blanket Basket Endorsement
Provides $150,000 blanket coverage amount
that is excess over the limits of insurance
stated in the Businessowners Package Policy
for your:
- Accounts receivable
- Electronic data processing property
- Debris removal
- Valuable papers and records
Employment Practices
Liability Insurance (EPLI)
EPLI protects against covered wrongful-act
allegations arising out of employment-related
practices, such as wrongful termination,
discrimination or sexual harassment. Defense
expenses are covered within the $500,000
limit of insurance. Coverage is subject to a
$2,500 deductible and a 10 percent copayment.
Optional increased limits,
deductibles and co-payments are available.
BOP Extended Comprehensive
Equipment Breakdown Coverage
Covers sudden and accidental breakdown of
your mechanical and electrical equipment,
including up to $250,000 on equipment
used for research, medical, diagnostic,
surgical or pathological purposes. If your
facility is equipped with an MRI, PET or
CAT scan, we can advise you about
alternative coverage options.
Medical
Equipment/Vehicle
Leasing Program
NPO members receive special rates,
potentially saving thousands of practice
dollars on leases and loans for durable
medical equipment and vehicles. Through
the combined efforts of Fitzmaurice-
Garvin Insurance Agency and CFC
Investment Company, an affiliate of
The Cincinnati Insurance Company,
you may be eligible to receive:
- Attractive rates for NPO members
- Prompt service from a company
with over 30 years of leasing and
financing experience
- Flexibility in structuring loan and
lease terms and types of collateral
. No security deposits
- No prepayment penalties
- One lease for computers,
hardware and software, including
training, installation, freight, and
prepaid maintenance
- Vehicle leases without mileage
restrictions or wear-and-tear clauses
- Reviews of current leases or
proposals at no cost
- Refinancing of existing equipment
leases/loans to lower monthly
payments and increase cash flow
While this program brings you valueadded
services and financial advantages,
you can rest assured knowing that we
continuously review programs worthy of
your attention.
Benefit Programs
Individual Disability
As a member of the Northern Physicians
Organization you are eligible to receive up to
30% in premium discounts on individual
disability insurance from Principal Life
Insurance Company.
Your Most Valuable Asset
While many people recognize the need to insure
personal belongings like cars and homes, often
they don't insure what provides those belongings
- their income! Your income is the foundation of
your financial security.Would you be able to
maintain your current lifestyle without it? If
you're like most people, the answer is "no."
Retirement Planning With A 412i
Plan
Your retirement dollars can work harder for you
in a program funded with insurance products by
The Cincinnati Life Insurance Company, a
subsidiary of The Cincinnati Insurance Company.
A 412i Defined Benefit Pension Plan, referred
to in IRS regulations as an insurance contract plan,
is the only defined benefit plan exempt from the
minimum funding requirements of the internal
revenue code. This type of plan, therefore, enjoys
certain advantages over the traditional defined
benefit plan and is worth exploring if you are the
owner of a small business.
These advantages create a plan that, compared
to a traditional defined benefit plan, produces:
- Larger initial deductions
- Stability in the contribution level
- Simpler plan administration
- Future benefits guaranteed by an
insurance company
This 412i Plan information reflects Cincinnati Life's
understanding of current federal tax laws and
contains information of a general nature. Since tax
laws are subject to change from time to time, we
suggest you seek advice from your tax adviser.
Special Program for Medical Offices
The Cincinnati Insurance Company's Businessowners Package Policy
(BOP) for Northern Physicians Organization (NPO) members goes well
beyond where ordinary insurance policies end. This policy can grow as
your practice grows, offering you more protection and value for your
money.
The Cincinnati Insurance Company receives an A++ rating, awarded to
only the top 2 percent of property casualty insurer groups by the leading
industry analyst, A.M. Best Co. You can feel secure knowing you're
protected by a financially strong insurance company.
As a "preferred vendor" of the NPO, the Fitzmaurice-Garvin Insurance
Agency partnered with various carriers, bringing you this superior
insurance program. Along with superior insurance you also receive the
service that our clients expect and deserve.
Contact Information
FITZMAURICE-GARVIN INSURANCE AGENCY
735 Woodmere Avenue
Traverse City, MI 49686
Telephone: 231-947-9532
Fax: 231-947-1521
Commercial Property . Casualty . Umbrella
Workers Compensation . Leasing
GARY GARVIN - gary@fitzmaurice-garvin.com
DAVID KAPLAN - dave@fitzmaurice-garvin.com
Life . Health . Disability . Financial
PAT ELSHAW - pat@fitzmaurice-garvin.com
Personal Home . Auto . Umbrella
TRINA GARVIN - trina@fitzmaurice-garvin.com
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