"It Pays to Belong" ...is more than a catchy phrase to describe the advantage of membership. Members in the Accident Fund Insurance Company of American's workers compensation program were "paid" a shared total of $131,900 this year for their participation.
This member benefit, a share in the dividends based on the loss experience of the group, is in addition to the competitive rates on an otherwise expensive but necessary coverage. In some instances, the dividend more than covered the annual Chamber dues investment. In addition to their already competitive rates, the Accident Fund of America also gives a 5% discount on workers compensation premiums to clients who belong to the chamber of Commerce.
Learn more about the Accident Fund program by contacting Garceau, Wenick-Kutz, Magowan Insurance; Hughes & Havinga Insurance or Northern Insurance at the telephone numbers listed below.
Good for the Bottom Line
Being a member of the Chamber of Commerce entitles you and your employees the opportunity to obtain group health, life and disability insurance. The health portion is underwritten by Blue Cross and Blue Shield of Michigan.
Here are some of the selling points:
• It is available to employer groups as few as one person
• Coverage is not denied for health reasons
• It provides a universally recognized ID card
• Direct claim submission is made by hospitals and physicians
• Dental insurance is available
• Long term disability insurance is available
• Group life and short term disability coverage are available for many businesses
Participating agents can tell you about the additional life and disability features that are available. In some cases, single person businesses can be covered and not all employees need to participate for the company to purchase the program.
This coverage is available through these local agents. They are:
The asterisks * on the above list indicate those agencies also offering some excellent Auto Owners discounts on personal automobile, homeowner and mobile homeowner insurance to owners, directors and management of Chamber member firms and organizations.
Eligible persons may receive discounts if they are already insured with Auto Owners or by converting to Auto Owners. New customer risk must be acceptable to the company. Discounts being offered are:
• 10% for auto
• 10% for homeowners
• A multiple policy discount when both are taken
A 10% discount on umbrella liability insurance is offered by Auto Owners. Multiple policy discounts are also available when a member has purchased other policies from Auto Owners.
Pioneer State Mutual thorough local agent Delta General also offers discounts for home and auto insurance.
Chamber members can now obtain significant discounts on workers compensation insurance available from Garceau, Hupy, Hughes & Havinga, Northern Insurance and Delta General Agencies. In addition to the discount, there is the possibility of group dividends based on the overall experience of the group which is made up of UP Chambers.
AFLAC will set up a cafeteria plan for Chamber member employers free of charge which enables them to provide an array of benefits to their employees. Call Mary Schatz, 906-789-0544 or Sandra Farber-Bosk, 906-786-1222, to get the details.
