INSURANCE SERVICES

Changing the way clients feel about Insurance. We understand Insurance is a large expense for most of our clients. Our job is to be the clients advocate to find the best coverage available at the most economically sound pricing.

Get the coverage that you need for your business, family, and assets.

ALKEME designs tailored coverage solutions aligned with your specific insurance needs – we can help you prioritize and choose appropriate limits, putting into place a successful program to manage and address your risks.

COMMERCIAL INSURANCE

PERSONAL INSURANCE

Commercial Insurance

ALKEME augments our extensive experience with technology to not only provide our clients with choices but also to make the process of managing their insurance policies frictionless. Automation an innovation are cornerstones of the ALKEME brand.

  • General Liability Insurance
  • Workers Compensation Insurance
  • Business Auto Coverage
  • Umbrella Insurance

The cost of providing benefits continues to rise and employees consistently seek more. Many employers struggle to balance employee needs with their own bottom line. Helping you meet these needs is ALKEME’s specialty. Obtaining competitive quotes for coverage and handling claims is only a small part of what you should expect from your employee benefit advisors.

OUR SPECIALTIES
Our staff of experienced benefits professionals can develop benefits programs that make sense for your company and your employees. We have specialists in all lines of employee benefits with the experience and know-how to keep your programs running smoothly and your employees happy.

ALKEME specializes in a wide variety of plan coverage including:

  • Insured and self-funded health plans
  • Group life insurance
  • AD&D
  • Dental plans
  • Vision plans
  • Cafeteria plans
  • Workplace and Long-Term Care plans
  • Short and long term disability plans
  • Wellness program assistance

Available in all 50 states, ALKEME’s surety division is a full-service surety entity with 20 plus years of industry expertise providing all types of bonding:

  • Contract ( Performance and Payment )
  • Commercial ( License and Permit )
  • Judicial ( Court )
  • Miscellaneous

We have an aggressive team specializing in workers’ compensation law, investigations, medical case management, OSHA compliance and many more. ALKEME has it’s own risk management company, ICON Risk Management (ICON). ICON provides a comprehensive enterprise risk management approach for educating and assisting organizations in cost containment strategies for workers’ compensation claims, liability claims, commercial auto claims and property claims. ICON also facilitates in safety management and human resource intervention.

By incorporating ICON’s unique strategies, claims get shut down faster, resulting in the lowering of your insurance premiums. The culture of your organization changes creating awareness of the objective.

Personal Insurance

HOME OWNERS COVERAGE
If you own a home, homeowners insurance is essential. It is not required by law, but it is required by most banks issuing mortgages on your home. Homeowners insurance is designed to pay for damages to your home and its contents. It can also protect you from financial liability if someone else is injured on your property. This can include legal defense costs if you are taken to court. For example: if a branch from a tree on your property were to fall onto your neighbor’s home your homeowners insurance would cover the cost of the property damage and any injuries that may occur.

PERSONAL LIABILITY
Your landlord’s insurance does not cover your personal property. A renters policy covers your personal belongings such as your clothes, furniture, television, bicycle and other items. Renters Insurance protects you against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm and water damage from plumbing. It covers your responsibility to other people injured at your home and includes legal defense costs if you are taken to court.

CONDO COVERAGE
You will need two separate policies to protect your investment. You will need your own insurance policy which will provide coverage for your personal possessions, structural improvements to your unit and additional living expenses if you are the victim of fire, theft or other disaster listed in your policy. You will also need liability protection. A “master policy” provided by the condominium association. This will cover the common areas you share with others in your building like the roof, basement, elevator and walkways for both liability and physical damage.

FLOOD INSURANCE
A form of insurance designed to reimburse property owners from loss due to a flood.

Automobile Liability
Automobile Liability provides protection against financial loss from claims or suits for Bodily Injury and/or Property Damage arising out of your ownership, maintenance or use of vehicles.

Uninsured Motorists Liability
Uninsured Motorists Liability Protects insureds who are not contributorily negligent against bodily injury caused by negligent uninsured motorists.

Medical Payments
Medical Payments Provides coverage for any Medical Expenses involved for any injury caused by an Vehicle.

Rental Car Coverage
Rental Car Coverage Provides reimbursement for cost of renting a replacement vehicle while your vehicle is being repaired after a covered loss.

Towing/Labor
Towing / Labor Covers the cost of towing your damaged vehicle to a repair facility in the event of a covered accident.

Motorcycle Insurance
Motorcycle Insurance In most states, the same financial responsibility laws that apply to cars apply to motorcycles. Auto insurance and Motorcycles share many similarities. Full coverage insurance is mandatory when financing a new motorcycle. Whether you’re touring, cruising or just out for a spin, with the proper motorcycle insurance you’ll know you’re protected should something unexpected happen.

Boat and Personal Watercraft
meet your needs. Boat and watercraft owners should consider purchasing their insurance from underwriters who understand the need for unique insurance coverages, specifically to protect boat owners.

RV Coverage
We can help you protect your investment and RV lifestyle. If you are financing your motor home, you will be required to provide physical damage coverage for protection against direct, sudden and accidental loss. You may also want to discuss Campsite/Vacation Liability which will provide you with liability coverage when you are parked and using your motor home as a residence. We have policies that provide important standard and optional coverage, and provide the type of coverage that give you peace of mind so you can sit back and enjoy your trip.

An Umbrella policy, as they are also known, supplements the liability coverage you already have through your home and auto insurance and provides an extra layer of protection. For example, if you don’t have enough liability coverage to resolve a claim or a lawsuit, the person bringing the action might go after your home or your other assets to pay for the damage. Umbrella policies cover damages claims that you, your dependents, or even pets may cause up to the policy limit.

Getting started is easy.

Contact us to see how a partnership with ALKEME can help you achieve Wealth and security for your family and employees.