CARRIERS WE REPRESENT
Innovative and Comprehensive Insurance Programs to Protect Life and Property
Innovative and Comprehensive Insurance Programs to Protect Life and Property
General Insurance Agency, Inc. is proud to offer the Provident line of quality Insurance Programs designed to fit any budget. Provident Insurance, a pioneer in providing volunteer firefighter insurance coverage, has over 80 years of experience and continues to take a leadership role in developing insurance benefits exclusively for emergency responders.This includes volunteer and career firefighter, EMS and rescue organizations.
Provident began serving volunteer fire departments in 1928 by offering a blanket Accident and Health insurance policy to protect the financial livelihood of volunteer firefighters. We continue to be a leader in innovating emergency services insurance benefits, such as introducing heart & illness related coverage in 1962.
Talk to us at General Insurance Agency to find out more about how Provident can specifically tailor an insurance benefits program for your emergency services organization. While no insurance policy can replace the loss of a loved-one, the Provident Accident & Health policy can supplement the gaps in a typical Worker's Compensation insurance policy, and in many cases provide benefits that are not available through Worker's Compensation. In addition to their blanket Accident & Health insurance program, 24-Hour Accidental Death & Dismemberment and Group Term Life insurance programs are available as well.
Provident's dedicated and caring claims staff remains committed to timeliness and accuracy while processing your claim. It remains our goal to respond when all other products have fallen short and to treat people with the utmost respect and courtesy.
Accident & Health
24-Hour Accidental Death & Dismemberment
Additional Benefits available include:
Coverage also includes Travel Assistance Services such as:
Group Term Life Insurance
Provident began serving volunteer fire departments in 1928 by offering a blanket Accident and Health insurance policy to protect the financial livelihood of volunteer firefighters. We continue to be a leader in innovating emergency services insurance benefits, such as introducing heart & illness related coverage in 1962.
Talk to us at General Insurance Agency to find out more about how Provident can specifically tailor an insurance benefits program for your emergency services organization. While no insurance policy can replace the loss of a loved-one, the Provident Accident & Health policy can supplement the gaps in a typical Worker's Compensation insurance policy, and in many cases provide benefits that are not available through Worker's Compensation. In addition to their blanket Accident & Health insurance program, 24-Hour Accidental Death & Dismemberment and Group Term Life insurance programs are available as well.
Provident's dedicated and caring claims staff remains committed to timeliness and accuracy while processing your claim. It remains our goal to respond when all other products have fallen short and to treat people with the utmost respect and courtesy.
Accident & Health
- Total Disability due to Injury: Weekly benefit payable up to LIFETIME. No Permanent Physical Impairment rating is required to qualify for the benefit.
- Total Disability due to Illness: Weekly benefit payable up to the Age of 67 or 5 years, whichever is GREATER.
- Partial Disabilities: Weekly benefit payable up to the Age of 67 or 5 years, whichever is GREATER.
- Permanent Physical Impairment Rating: Payable for Injuries and Illnesses with no waiting period.
- Family Expense Benefit: Reimburses actual expenses of a family member who assists in the care of an insured person who is confined to a hospital or is receiving out-patient care. Expenses include, but are not limited to: food, gas, lodging, childcare, and the family member’s lost wages. There is no waiting period and no minimum travel distance required to qualify for this benefit.
- Education Benefits: May be payable to an insured person’s family members in the event of a covered injury or covered illness death.
24-Hour Accidental Death & Dismemberment
- Coverage is available up to $500,000
- Accidental Death & Dismemberment Benefits
- Accidental Severe Burn & Disfigurement Benefit
- Coma & Paralysis Benefits
- Hepatitis Occupational or Assigned Duties Accident Benefit
- Seatbelt & Airbag Benefits
- Line-of-Duty Occupational Coverage – if purchased, pays 100% of the Principal Sum for loss of life; up to a $50,000 maximum benefit
Additional Benefits available include:
- Bereavement & Trauma Counseling Benefit
- Felonious Assault & Violent Crime Benefit
- Home Alteration & Vehicle Modification Benefit
- Medical Evacuation Benefit
- Prostheses Appliance Benefit
- Rehabilitation Benefit
- Repatriation Benefit
Coverage also includes Travel Assistance Services such as:
- Access to 24/7 Security Assistance Center
- Emergency Travel Arrangements
Group Term Life Insurance
- Group Term Life Insurance provides 24-hour coverage where benefits are payable on or off duty.
- There are no medical questions for coverage to be issued. This group insurance is offered as guaranteed issue coverage.
- A fire department or emergency services organization can purchase up to $100,000 of Group Term Life Insurance per member. The program allows for different levels of benefits for varying classes of membership.
- Dependent coverage is also available in the following:
- Option 1 – Spouse $2,500 – Child(ren) $1,000
- Option 2 – Spouse $5,000 – Child(ren) $2,500
- Option 3 – Spouse $10,000 – Child(ren) $5,000
- Plan features include: Accelerated Death Benefits, Continuance Provisions, and Conversion Rights
