Workers compensation insurance protects you, as an employer, against employee lawsuits for work-related injuries or diseases that are compensable by statute and/or imposed by law, and it provides medical care and compensation for lost income to employees hurt in workplace accidents. Workers compensation covers workers injured on the job, whether they're hurt on the workplace premises, in auto accidents while on business, or performing business-related duties elsewhere.

Workers compensation provides:

• Payments to injured workers without regard to who was at fault in the accident.
• Compensation for time lost from work.
• Compensation for medical and rehabilitation services.
• Coverage for work-related illnesses.
• Death benefits to surviving spouses and dependents.

Businesses are required to buy workers compensation insurance in almost every state, although each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services, and the manner in which the system is administered. Kiely Hines & Associates will guide you in choosing the coverage that is right for your business, and see to it that insurance requirements for other states are incorporated into your policy.

Medical malpractice insurance covers hospitals, doctors, and other healthcare professionals for liability claims arising from their treatment of patients. Because the number of malpractice lawsuits is rising in epidemic proportions, medical malpractice insurance is a necessary precaution for all healthcare professionals in order to minimize their risk and protect their livelihood.

Kiely Hines & Associates can ensure that you have access to the best coverage at the most competitive rates. We can write the medical malpractice policy for most hospitals, as well as the property casualty requirements, with several good insurance markets. Our first commitment is always to our clients, and we are dedicated to matching you with the right protection at the right price. We also provide programs for social service agencies and youth organizations.

Kiely Hines & Associates provides professional Errors & Omissions, office packages, workers compensation, auto, umbrella, employment practices, and employee benefits for the following professionals:

Medical Professionals: We can competitively write policies for groups of any size, including those who may be seeking a new insurer.

Lawyers Professional Liability: We represent several financially sound lawyers' Errors and Omissions Plans, including employed lawyers.  We use CNA, Philadelphia, Gulf and Travelers, just to mention a few insurers.

CPA Professional Liability: We have several markets for this profession as well.

Architects, Engineers & Surveyors: We have programs for both small and large firms.

Miscellaneous Professions: Mortgage brokers, computer programmers, web designers, business consultants, designers and many others.

Please ask for Laurie Dobbins (or Email Laurie at ldobbins@kielyhines.com), who specializes in writing coverage for lawyer clients and other professionals. We can frequently get estimated premium proposals based on your current carrier's applications, or we will send you current applications by mail, fax, or email. We can help new professionals get their insurance programs off the ground.

Most insurance companies are reluctant to take on newly-established businesses and insist that clients be in business for three years or more before they can get standard rates. Some agencies don’t like new entities because they may not have the management experience and capital at the formation stage to fund the insurance required and necessary to conduct their business.

At Kiely Hines & Associates, we enjoy working with the new (AND experienced) entrepreneurs, walking them through the formation stages, advising them on what protection is necessary, and assisting them in selecting installment payments for this insurance. As the business grows, we can help you grow your insurance program. Not all financial risks can be transferred to insurance companies, and we can help you use alternate methods for these financial risks. Many of our clients have been insured with us for more than three generations.

Kiely Hines & Associates has several financially sound insurance companies providing essential coverage for trade or artisan contractors, such as carpenters, plumbers, electricians, HVAC contractors, landscaper/lawncare services, fire sprinkler/fire suppression/extinguisher contractors, and computer services, just to name a few.

We provide:

• Office/warehouse/equipment coverage
• Equipment rental coverage
• Property coverage
• Inland marine coverage
• Commercial general liability
• Auto or fleet coverage
• Workers compensation
• Permit and surety bonds
• Installation coverage
• Employee benefits
• Disability
• Key man and buy-sell funding life products
• Employment practices coverage
• Errors and omissions for some contractors
• Plus many other forms of insurance

We can issue certificates in minutes and either mail or fax them to your customers and general contractors. We understand contractors’ needs and will walk you through the mysteries of buying insurance. (One of our agents is a former residential contractor.)

If you run a business within the manufacturing sector, you know that your employees and your business are exposed to a range of risks. Therefore, it’s essential that you deal with an insurance provider who really understands your business sector.

At Kiely Hines & Associates, we understand that manufacturing risks tend to be more complex than standard commercial risks. That’s why our manufacturing program is tailored to cover the assets, earnings, and legal liabilities of your business. We can help you find a policy that provides coverage for a range of risks, including public and product liability, employers liability, business interruption, and coverage for your machinery, physical plant, and stock.

As a wholesaler or retailer, you face unique concerns with risks that could cause significant business interruption. Your Kiely Hines & Associates agent can offer the expert guidance and recommend the coverage you need.

Our in-depth experience working with wholesalers and retailers helps us understand your unique exposures and can help us protect you against losses that can disrupt your operations or jeopardize your financial well being.

Kiely Hines & Associates offers our clients a comprehensive range of bonding programs:

Construction Bonds
If you are a contractor bidding federal, state, county, or municipal work, or bidding for a private owner, you may be required to provide bid and/or performance bonds. If you are not completely satisfied with your current bond relationship, we can evaluate your company and develop a better bond program for you.

License and Permit Bonds
We write a great variety of these bonds—required by governmental bodies or others—for skilled trade contractors or other businesses as needed for various activities.

Public Official Bonds
For office holders, we write bonds covering their faithful performance of official duties as required for state, county, and city offices.

Fidelity Bonds
We write all types of dishonesty bonds, which may include safe burglary, money, and securities, both at and away from the business, for any size business.

Miscellaneous Bonds
We represent many bonding companies, which provide a variety of bonds ranging from court bonds, such as probate and guardianship, to guarantee bonds.

Mark Ludick is your Kiely Hines & Associates representative in the state of Georgia. Mark joined Kiely Hines & Associates in 2005 to open our Atlanta branch. For more information call 1-800-295-1897.