ACL and Marsh Advantage America - The Best Just Got Better
Proudly presenting the LogProSM Insurance Program, ACL's only endorsed and sponsored property and casualty insurance program. LogProSM is the result of decades of experience combined with research and development leading to the highest quality insurance products and services available today.
Who is MARSH Advantage America?
For more than twenty-five years, ACL has partnered with Sedgwick Insurance Brokers to provide a comprehensive line of specialty insurance for loggers and log truckers. In fall of 1998 Sedgwick merged with the Marsh & McLennan Companies making them the nation's and the world's largest insurance brokerage. Marsh has been a leading insurance and financial services provider since 1871.
This new relationship gave Sedgwick the opportunity to join forces with the Marsh company that would best meet the needs of our ACL clients. With that in mind, the ACL program, along with all of the Sedgwick colleagues that service ACL member accounts, moved into Marsh's Custom Programs Company, Seabury & Smith.
Seabury has been a premier provider of insurance programs customized to fit the needs of various trade associations since 1949. We will continue the Sedgwick legacy of providing competitive and leading-edge insurance products and loss prevention services to members of ACL. Seabury has maintained the same office in Sacramento for 25 years with the same qualified and experienced professionals providing specialty insurance needs to the logging community.
What is The LogProSMInsurance Program?
At present, more than 200 logging or log trucking companies participate in one or more of ACL's LogProSM Insurance plans. ACL's insurance programs are operated under the direction of a seven member Board of Governors, all of whom are program policyholders and who are representative of logging and trucking operators in all regions of California. Coverage is available for:
 | General Liability - including Loggers Broad Form Liability |
| Truck and Auto Liability - including pollution |
| Motor Truck Cargo/Transit |
| Logging Equipment Property |
| Business and personal property |
| Excess and umbrella |
| Workers Compensation |
| Employment Practices Liability |
| Bonds |
| Stand Alone Pollution |
Other coverage's are available. Please give us a call to review your operation to help determine the exact insurance coverage's and services you need to protect your financial well-being.
The Features and Benefits of LogProSM Insurance
ACL's insurance programs provide broad coverage and high limits with reliable, top-rated insurers. Our focus is on reducing accidents and managing claims to dramatically reduce each ACL member's insurance costs. ACL's insurance programs feature:
| Loss Prevention - Onsite loss prevention and risk control services
provided by MARSH'S woods products specialists. |
| Training and Educational Programs - Among these are, first aid,
equipment operation, logging side safety procedures, employment practices and
ADA compliance. |
| Aggressive Claims Management - A dedicated and logging industry
experienced claims unit that handles claims for ACL members |
| Competitive Pricing - Designed to provide a long term and stable
insurance market that you can depend on. Prices that maintain the highest
quality of products and services. |
| Service - We have always been known for our responsive and friendly service. We strive to provide the best and to be the best in the forest products industry. |
How to Contact Our LogPro Insurance Specialists:
For Policyholder Services and Insurance Quotes
(including Risk Management Services)
(800) 223-2916
Dawn Eichelkraut, Vice President
(916) 286-5311
dawn.eichelkraut@marsh.com
Marsh Program and
Franchise Practice
a Service of Seabury & Smith, Inc., Insurance Program Management
("Marsh")
2520 Venture Oaks Way, Suite 250, Sacramento, CA 95833
800- 223-2916 (phone)
916-286-5301 (fax)
BBI
Insurance Services
YOUR BENEFIT DOLLARS HELP SUPPORT THE ACL!!
As a member of the Associated California Loggers, you have the opportunity to participate in the ACL sponsored benefit programs.
BBI Insurance Services, located in Novato, California are the Exclusive Benefit Representatives for Associated California Loggers. To assist you with your benefit program contact Cheryl Buckwalter toll free at 866-219-6623 or email Cheryl @ Cherylbbi@aol.com.
Your ACL sponsored benefits include:
| Blue Cross or Blue Shield Group or Individual Medical plans; |
| Group or individual dental plans; |
| Individual & group life insurance; |
| Long Term Care Insurance; |
| Personal Accident Insurance Plan (Accidental Death & Dismemberment); |
| AFLAC; |
| Disability Income Insurance Plan. |
The Blue Cross and Blue Shield medical plans offer a wide range of coverage options at appealing prices. Importantly, health coverage also protects you from the staggering financial exposure accompanying even common accidents or illness.
Blue Cross and Blue Shield offer very competitive rates with a wide range of plans to choose from. They both have very extensive provider networks, offer prescription drug coverage, life insurance and dental plans. Click here to apply online.
The ACL sponsored Personal Accident Insurance Plan (AD&D) is a voluntary plan (no employer participation) that is flexible enough to fit anyone's budget. You choose the exact principal sum you can afford from $25,000 for as low as $1.25 for employee coverage or up to $350,000 of coverage on a family for $28 a month.
Once enrolled, you are insured 24 hours a day (and if enrolled under Family coverage, your eligible dependents), 365 days a year against injuries caused by any accident, directly and independently of all other causes, that occurs in the course of business or pleasure including but not limited to accidents that occur on or off the job, in the home, while traveling by train, airplane, automobile or other public or private conveyance.
What's more, you can't be turned down for this protection and you don't have to take a physical exam.
Long Term Care Insurance (Also a voluntary plan) is the assistance individuals need when they are unable to care for themselves and need help with the Activities of Daily Living (ADL's) -- bathing, dressing, transferring, toileting, continence and eating or have severe cognitive impairment. The need for long term care can result from an accident, chronic illness or other disability, or from advancing age.
FACTS:
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| 1 out of 2 people over age 65 will spend time in a nursing home. |
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| Only 1 in 4 people between the age of 60 and 70 are able to qualify for long term care insurance. |
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| You need to buy long term care insurance when you're young and in good health. |
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| A year in a nursing home is estimated to cost $40,000 and in some areas it can easily cost twice that amount. |
ACL members, retirees and their family members will receive an additional 10% discount on top of their already 20% spousal discount if both spouses are issued covered. This is a large savings!!
LIFE INSURANCE PLANS
Our plans are individual life insurance plans -- not to be confused with group life insurance which is offered through an employer. Group plans usually cost more and once you leave your employer, your group life is cancelled -- you cannot take it with you. Individual life insurance you can keep as long as premiums are paid and you can move from employer to employer without losing this valuable coverage.
We offer Permanent and Term Life Insurance.
Permanent Life Insurance:
| Builds cash values / Retirement Benefits |
| Premium locked in by age |
| Income tax free death benefit |
| Loans or withdrawals are available from the policy |
Term Life Insurance:
| Level premium for choice of years |
| Pays upon death only |
| Income tax free death benefit |
AFLAC (American Family Life Assurance Company) Voluntary Plan
AFLAC plans are designed to Compliment and Enhance your current benefits package.
These plans pay CASH to you and your family. They are Separate and Independent of your medical plan, workers comp., and state disability. They are Guaranteed Renewable and Convertible for life.
A. ACCIDENT AND DISABILITY INCOME PLAN
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| Any Accident pays $120 to your or your Spouse - $70 for your children minimum; |
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| Hospitalization: Pays $1,000 for any member admitted. $200 per day after that. |
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| Cash paid for specific injuries: Broken bones, Cuts, Physical Therapy, braces, etc. |
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| OFF THE JOB DISABILITY INCOME Employee only $700 to $2000 a month. |
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| OPTIONAL SICKNESS RIDER (Maternity) $400 to $2,000 a month. 14 day wait. |
B. CANCER PROTECTION PLAN
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| First Occurrence Benefit: Pays $2,000 1st year and adds $500 every year after. |
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| Hospitalization: Pays $300 per day - after 30 days $600 per day no lifetime limit. |
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| Supplemental Cash Benefit: Surgery: Up to $5,000 per operation in or out of hospital, No limit. Chemotherapy and Radiation $300 per day. |
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| $250 for a Second Opinion - Premium Benefit Waiver after 90 days. |
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| $30 for Pap, $70 for Mammogram, and $75 to each family member for blood test. |
C. INTENSIVE CARE PLAN
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| Pays $600 day l through 7, and $1,000 day 8 through 15. |
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| $12,200 maximum per confinement, no lifetime limit. |
Loggers may participate in all plans except the off the job Disability Income or Sickness Plans.
Log Truckers may participate in all plans.
AFLAC'S Section 125 Cafeteria Plan
This cafeteria plan allows employees to use pre-tax dollars to pay for various benefit costs. When you lower the taxable income of all participating employees, you also reduce your overall share of FICA, FUTA and WORKER'S COMPENSATION costs.
Finally there's a choice that benefits you and your employees.
By giving the employees the possibility of tax savings, AFLAC's program provides employees with a choice: additional benefits or increased take-home pay.
Not only is the potential tax savings of a cafeteria plan a real advantage, but each employee is also given the opportunity to direct benefits toward needs generally not covered by traditional major medical plans.
BBI Insurance Services, your ACL Benefit Representatives, have their own AFLAC Representative, who works directly with all our ACL members. He will provide the documents, educate your employees, handle the reimbursements and answer all your questions.
DISABILITY INCOME INSURANCE PLAN (Voluntary Plan)
Disability Income Insurance provides an income to you in the event of accident or sickness. One out of three people will become disabled prior to age 65.
Doesn't it make sense to plan ahead NOW to insure your paycheck? Disability Income is financial security you cannot afford to be without.
Special Features:
| Designed for Loggers and Log Truckers |
| Guaranteed Renewable |
| Rehabilitation program |
| World wide coverage |
All of the above are ACL sponsored benefits. Your ACL benefit dollars help support the ACL.
Please contact Cheryl toll free at 866-219-6623 for additional information on any of the above benefits.