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| Cultural Institutions - Museums, Art Museums and Historical Landmarks |
| Cultural institutions have unique needs. A need for tailored insurance programs that cover their people, property, and diverse operations. A need for a customized loss prevention and risk management plan designed for their institutions. A need for personalized and attentive service.
To address these needs, Berends Hendricks Stuit Insurance Agency has developed a program for cultural institutions. Our Cultural Institutions Team consists of Sharon Van Loon as Team Leader, Kelly Perez as Account Coordinator, Kevin Roehling as Safety & Loss Prevention Specialist, Chris Ensley as Claims Specialist, Brenda Schaub and Heidi Hofstra as Account Managers
After performing a thorough needs assessment, the team constructs an insurance program, risk management strategy, and annual service plan to address each need identified in the assessment. We feel this method of serving our client provides for maximum protection as well as promotes a positive work environment.
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| Commercial Insurance Services |
We customize the insurance to meet your institution's needs.
Commercial Package
- Earthquake & flood coverage
- Equipment breakdown
- Business interruption & extra expense
- Employee benefits liability
- Volunteers and Board Members as additional insureds
- Liquor liability coverage
Fine Arts
- Blanket coverage for art and collections owned, consigned or on exhibition
- Breakage coverage
- International exhibitions
- Transportation
Crime Coverage
- Bonding for employees, volunteers and board members
- Dishonesty
- Computer fraud
Commercial Auto
Workers Compensation
- Repatriation & endemic disease
- Extended to volunteers
Special Events Coverage
- Coverage available to those who lease your facility
Directors & Officers Liability
- Employment practices liability coverage
- Third party discrimination
Foreign Liability
- Package including general liability, employers liability, auto liability
Customized Premium Payment Plans |
| Claims Services |
You know that insurance claims can be costly and your claim history has an impact on your insurance premium. We will work to resolve your claims quickly and fairly. To keep you informed of the progress, we will:
- Assist clients in developing processes and procedures to respond to claims.
- Conduct regular meetings with clients to review open claims and assist in developing resolution strategies.
- Provide regular progress reports on claims.
- Monitor reserves for accuracy and review payments.
- Assist in analyzing claim history for trends and coordinate loss control services.
- Track the progress of subrogated claims until recoveries are obtained or efforts exhausted.
Workers’ compensation claims services
Claims involving work-related injuries have a direct impact on your Workers Compensation premium. The paid and reserved loss amounts are used to calculate your Experience Mod Factor that becomes part of the premium calculation.
Some of the services we offer are:
- Negotiate the closing of inactive claims prior to the calculation of the mod by the statistical rating bureau.
- Verify the accuracy of your Experience Modification Factor by checking for correct payroll, appropriate employee classification and accurate claim data.
- Work with the statistical rating bureau to obtain corrections to the experience mod when required.
- Assist clients in appropriate post-loss communications/action with employees. An example of this service is implementing a return-to-work program.
- Identify and establish a relationship with an occupational medical clinic to provide care to injured workers.
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| Risk Management for Cultural Institutions & Public Gardens |
| Cultural Institutions and Public Gardens have unique risk management needs. Thousands of visitors lead to opportunities for slip, trip and fall accidents. Your employees may be outside in the winter when they could get frost bite and during the summer when bee stings and heat exhaustion can be an issue. Let's not forget special events, a gift shop, volunteers, fine art and children's gardens. As you can see, your organization has a strong need for specialized services from a consultant who has the experience and knowledge to handle the complex and different needs of gardens.
At Berends Hendricks Stuit, we continually strive to find the right solutions for your organization by providing training, communication materials, comprehensive risk management evaluations and foster communication between staff and management to support the mission of reducing accidents, injuries and incidences at your institution.
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| Resources |
Public Gardens Safety & Loss Prevention (.pdf)
Back Injuries (.pdf)
Beat the Heat (.pfd)
Disaster Recovery(.pdf)
Electrical Safety (.pdf)
Eye Protection (.pdf)
Felling Trees Chairsaws (.pdf)
Gas Powered Equipment (.pdf)
Gasoline Handling and Storage (.pdf)
Insect Illnesses - No Cover (.pdf)
Insect Illnesses (.pdf)
Ladder Safety (.pdf)
Lighting Prevention and Protection (.pdf)
Mowers & Tractors (.pdf)
OSHA AED Publication (.pdf)
OSHA Profile - Landscaping and Horticultural Services (.pdf)
Poison Ivy (.pdf)
Preventing Heat Stress (.pdf)
Safe Lifting (.pdf)
Sample HR Audit Checklist (.pdf)
Screening Potential Employees and Volunteers (.pdf)
Slips & Trips from OSHA's Landscaping & Horticultural Services (.pdf)
Stinging Insects in the Garden (.pdf)
Volunteers in Public Entities (.pdf)
Youth Workers (.pdf) |
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©2010 Berends Hendricks Stuit Insurance Agency, Inc. All Rights Reserved. |
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