JayMar Insurance Agency Overview

jaymar insurance overview

JayMar Insurance Agency is uniquely qualified to help you manage all aspects of your insurance plans.

Employee Benefits
Commercial Property and Casualty
Personal Life, Disability and Long Term Care
Personal Homeowners, Auto, Liability and Other

JayMar Insurance Agency is an independent family owned and operated full service insurance brokerage firm whose principals have over fifty years of combined experience in employee benefits insurance and sales. When JayMar Insurance Agency was started in early 2011, Mark Samel, President, and his son, Jason, Executive Vice President, had one goal in mind: To provide you with the best possible coverage at the lowest possible cost while providing you with the highest level of service. Our belief in conducting ourselves in complete transparency allows you to know everything about us, the services and products we provide and the processes involved in helping you meet your insurance needs.

We specialize in Employee Benefits for companies of all sizes, including sole proprietors and provide a wide range of solutions that are properly designed to meet the needs of your business. We have the tools necessary to assist you with the overall management of your insurance plans which include Medical, Dental, Life, Long Term Disability, Short Term, Disability, Vision Care, Voluntary Benefits, Section 125, Business Owners, Commercial, Workers’ Compensation, Liability, Homeowners and all of your other personal and commercial insurance needs. The specialists at JayMar Insurance Agency can also assist you with your individual Life, Disability and Long Term Care insurance.

Employee Benefits Services – Providing Benefit Solutions

We use our expertise in needs analysis and designing comprehensive benefit packages to ensure that your benefit plans are carefully structured to achieve your corporate goals while meeting the needs of your employees.  JayMar Insurance Agency has built strong ties with the major carriers and administrators allowing us to offer our clients the most competitive products, services and underwriting. Since our work and reputation is very well respected in the carrier marketplace, we can negotiate the best possible program on your behalf.

Our services begin with the receipt of any current benefit plans you may have along with your budget so we can begin to discuss the objectives you want to achieve.  We will work closely with you to develop solutions for you to attain your goals.

Please browse the services that are available to every JayMar Insurance Agency client.

Complete a Needs Analysis

During our initial meetings and discussions at each renewal, we thoroughly assess each of your plans while considering your needs and budget. Once we know your objectives, we can begin to develop solutions together.  Fulfilling your needs and meeting your expectations are first and foremost to us.

Gather Information and Begin Plan Review and Analysis

We Obtain Your:

    1. Benefit plan details
    2. Input for plan change alternatives you may want to review
    3. Current and prior cost and claims history if available
    4. Employee census and contribution information
    5. Budget for current year
    6. Network information and any utilization reports that are available

 

Conduct a Full Market Study and Negotiate Renewals

    1. After we complete our review of your plan material and all available financial data, we begin to develop a strategy to obtain the most attractive proposals
    2. With your input, we design a plan of benefits to meet your current needs and budget
    3. Prepare RFP’s and conduct a full market analysis
    4. Negotiate with the carriers to produce the most competitive proposals using our underwriting and technical expertise
    5. Prepare a comprehensive report for you with our findings and recommendations
    6. We negotiate each renewal towards the most favorable result

 

Fully Insured or Self Funding Analysis

To see if your group is a candidate for self-funding, we begin a process where we:

    1. Review your group’s characteristics, plan data and any claims experience that is available
    2. Complete a full market analysis using both fully insured and self-funding platforms
    3. Prepare a report that will include the information necessary for you to make an informed decision as to which route is best for your group

Assist With Implementation and Employee Communication

To assure the success of a new plan or a change in plan, we:

    1. Work closely with you and your staff to implement any plan or carrier change and facilitate a smooth transition
    2. Develop materials to effectively communicate all changes to your employees and if feasible, conduct meetings at the workplace at times convenient for everyone
    3. Assist with the enrollment process during any carrier change

JayMar Insurance Agency is Your Benefits Resource

    1. Respond to benefit questions from you or your employees
    2. Resolve any claim issues that may arise
    3. Assist in any administrative questions or issues that may arise
    4. Help resolve any billing issues that may arise
    5. Obtain and evaluate the data necessary for us to track the performance of your plans
    6. Prepare management reports for you to review that show the elements which are critical for your decision making process
    7. Develop cost projections for the upcoming year based on claims experience that may be available under your plans

Ongoing Service

JayMar Insurance Agency works towards the long-term success of your program by:

    1. Continuing to monitor your plans’ operations to make sure it’s successful for your company and employees
    2. Maintaining continuous contact with you on a regular basis . We are always available through either office or cell phone.

Commercial Property and Casualty

Don’t leave any part of your business to chance. Whether you own a building structure, equipment, inventory or furniture, you have commercial property that is subject to a loss at any time. A catastrophic loss could close your business down temporarily or indefinitely and the loss of income could be devastating to you and your family.  Property insurance could include coverage for structures, furniture, equipment, landscaping, signs, inventory, loss of income and more. JayMar Insurance Agency will customize a commercial property policy to your specifications so that all of your property is properly insured in case of a loss. Loss of income coverage can be purchased as a part of a property policy and will assist you to cover the expenses while your business is closed as a result of the covered loss.

General Liability

For every business owner, the chances of getting sued have increased dramatically during the last decade. General liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is sued or held legally responsible for some injury or damage. General Liability Insurance provides coverage for losses arising from bodily injury, property damage or personal injury on your business premises or arising from your operations.  If your company makes a product or provides a service, Completed Operations coverage provides liability protection if an injury resulted from something your company made or service your company provided.  Contractual liability coverage extends to any liability you may assume by entering into a variety of contracts.

Commercial Automobile

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. We will ask you many details about how you use your vehicles in your business, who will be driving them and whether any employees you have will be driving their own vehicles for your business.  JayMar Insurance Agency will help you obtain the needed commercial automobile insurance protection for you and your business.

Workers’ Compensation

As a rule, a company with one or more employees is required by law to provide them with Workers’ Compensation coverage to cover medical expenses, permanent disability and a portion of the injured employee’s wages. Workers’ Compensation coverage can save you and your business from costly lawsuits and employee issues as it protects your business and it’s employees. JayMar Insurance Agency can provide you with a program that is specifically designed to meet your needs. Contact us now for a free quotation.

Personal Life, Disability and Long Term Care

Everyone’s needs vary for personal Life, Disability and Long Term Care.  Recognizing that, we work closely with you to develop the coverage and features that will protect you and your family long term.

Personal Homeowners, Auto, Liability and Other

JayMar Insurance Agency has the resources available to meet your personal homeowners, auto or liability insurance needs or for the individual sole proprietor or your company. Through our affiliates, we have access to many insurance markets, some which offer programs that are geared towards your specific business.  We will customize these policies to your specifications either as a stand-alone policy or as part of a package.

Our Goal

JayMar Insurance Agency has one goal in mind: to provide you with the best possible coverage at the lowest possible cost while providing you with the highest level of service. Our belief in conducting ourselves in complete transparency allows you to know everything about us, the services and products we provide and the processes involved in helping you meet your insurance needs.

At JayMar Insurance Agency,
“We Treat Your Business Like Family.”