Group Life Insurance is a type of life insurance in which a single contract covers an entire group of people. Typically, the policy owner is an employer or an entity such as a labor organization, and the policy covers the employees or members of the group.

Group Disability Insurance like group life insurance is a type of insurance in which a single contract covers an entire group of people. Typically, the policy owner is an employer that desires to offer income protection to covered employees in the event they become incapacitated and unable to work due to an illness or accident.

• Long-Term Group Disability Insurance (LTD) typically insures an employee for a long period of time (5, 10, 15, or 20 years and sometimes to age 65) depending upon the employees choice. The elimination period on a LTD policy is typical 30, 60 80 or 180 days, depending upon the employees’ choice.
• Short Term Disability Insurance (STDI) typically insures an employee for a short term period of time such as 1, 3 or 5 years) and is less expensive to both the employer and employee and has a brief elimination period (typically 15 or 30 days).

Business owner’s policy insurance typically involves two different types of coverage for your business under a single, convenient policy.

• General Liability
• Property Insurance

It is important to have general liability insurance to aid in protecting your business from areas such as:

• property damage
• bodily injury
• personal injury
• data loss, etc

However, it is important to note that general liability insurance will not protect your company from everything. You will also need to consider claims of negligence, regardless of who is at fault.

Professional liability insurance is also commonly known as Errors and Omission insurance. It aids in protecting you and your company against a client in the case of claims of an injury/negligence against your business for personal services that your business is providing. Professional liability insurance protects your company by reimbursing any monetary losses, attorney fees, and court costs…regardless if you are at fault or not.

Commercial auto insurance helps cover the financial costs if you or an employee are involved an automobile accident. Some areas that commercial auto insurance will help cover includes:

• Medical bills
• Damaged property

Commercial auto insurance provides financial coverage if your business is employing its own vehicles, you are using your personal car for the business, or you are utilizing a fleet of vehicles for your company. Please contact Christian Insurance Services at (830) 515-5430 for more information regarding commercial auto insurance and finding the right coverage options for your business.

Workers compensation insurance is mandatory for most businesses. It protects your business and its employees in the event of a workplace injury by covering lost wages, medical treatment, and other costs following a work relate injury or illness. It also helps protect your company from being sued for workplace circumstances that result in illness or injury.

Group Health Insurance is an insurance plan that provides healthcare coverage to a select group of people.  Group health insurance plans are one of the major benefits offered by many employers (small or large) and serve as a great tool for attracting and retaining quality employees.  These plans are generally uniform in nature, offering the same benefits to all employees or members of the group.

Many employers also offer important ancillary coverages to their group health plans such as:

• Group Dental
• Group Vision
• Group Catastrophic Accident and Cancer Plans