Association of Oklahoma Nurse Practitioners

*Accidental Death & Dismemberment A limited form of life insurance where a benefit is paid should you lose the use of certain body parts or should you die by accidental means versus natural causes.

*Business Overhead Expense (BOE) Protection to cover business expenses such as payroll, insurance, utilities, and rent if you become disabled.

Directors and Officers Liability Covers your officers and board of directors for claims resulting from breaches of duty of care that have adverse financial consequences to its constituents (i.e. clients, shareholders, employees, government, competitors, and vendors).

Home and Auto & Personal Umbrella Coverage for property damage to your home and covered structures (such as fence or shed), medical expenses and personal liability. Coverage for property damage to your autos, liability for damage you cause and medical expenses.

*Accident Only Disability Guaranteed Issue income protection to replace a portion of your income should you become disabled due to an accident.

Business Owners Policy (BOP) Combines protection for major property and liability risks. You would purchase this type of policy in place of separate general liability and commercial property insurance plans.

*Disability Provides replacement of your income should you become disabled due to accident or illness.

*Life Upon your death, provides income replacement for your family beneficiaries and could be used to pay off debts, pay for burial expenses, charitable giving, and even to finance a business succession. Many policies also provide a living benefit should you be diagnosed with a terminal illness. Permanent policies, such as whole, variable, or universal also have cash value benefits. Available for either individuals or employer groups.

Vehicle Extended Warranty Coverage for vehicles extended warranty

Bonds Three party instruments by which one party guarantees or promises a second party the successful performance of a third party. Types of Bonds: Performance Indemnity License Payment Court Employees Dishonesty ERISA Fiduciary Replevin Receiver or Bankruptcy Trustee Bond Notary

Cyber Liability & Data Breach (Network Liability) Covers your liability to clients for a data breach in which your clients’ personal information is exposed to or stolen by someone who has accessed your firm’s electronic network.

Employment Practices Liability Claims and defense protection for your liability for employment-related allegations, such as wrongful termination, harassment and discrimination. Many policies also provide coverage for third-party allegations, as well as HR training tools and risk management assistance.

*Long-Term Care Coverage for nursing home, assisted living or home health care should you be unable to perform two or more Activities of Daily Living (ADLs).

Business Auto Protection for use of your company’s vehicles in the course of carrying out business. Coverage may include vehicles owned or leased by the company, hired by the company or employee-owned vehicles used for business purposes.

Dental & Vision Coverage for dental care, including routine exams, medical procedures and prescriptions. Available for either individuals or employer groups. Coverage for eye care, including routine exams, medical procedures and prescriptions.

Health Coverage for medical, hospital and prescriptions. Available for either individuals or employer groups.

*Professional Liability Protection for your liability to patients and third-parties for acts, errors or omissions within the scope of your profession. Many policies also provide risk management and pre-claim assistance in addition to defense and claims payments.

*Workers Compensation Covers medical expenses and compensation benefits to employees who are injured or sickened on the job.

* = AONP Plans

We are the only agency who can offer plans endorsed by the Oklahoma Association of Nurse Practitioners as well as other standard market products. Let us insure you, your family, and your practice.