May 2010
In This Issue
Pay-As-You-Go Work Comp
International Medical Coverage
We Write Personal Insurance
Referral Rewards
   
Insurance
 
Property 
 
 
General Liability 
 
 
Professional Liability 
 
Directors & Officers Liability 
 
Automobile 
 
Workers Comp 
 
Umbrella 
 
Home 
 
Auto 
 
Recreational Vehicles 
 
Bonds 
 
Life & Disability
 
 
Group Health
 
 
401K 
 
Investment & Retirement Planning
 
 
 
 
  
Risk Management Services
 
My Wave
 
 
 CompClaims Online
 
Disaster Planning
 
Safety Procedures
 
Safety Program Planning
 
Web Based Safety Training
 
Pre-employment Screening
 
OSHA Compliance
 
 
Quick Links
 
EMA Website
 
OSHA Website
 
CDC Website

When the economy and the season slow your business down, do your workers compensation payments stay the same?
 
Pay-As-You-Go Workers Comp Solutions:
 
Eastern Michigan Agencies Pay-As-You-Go Workers' Comp Program offers an incredible solution to traditional Workers' Compensation Insurance.
 
Benefits of Pay-As-You-Go Insurance Include:
 
  • No down payments and dreaded end of year audits!
  • Premiums are based on Actual Payrolls vs. Estimates
  • Maximize Cash Flow
  • No Installment Payments
  • No Year-End Additional Premiums - Due to Audits
 
Visit our website or contact our office for a no obligation quote! 
Airplane 
WHY DO YOU NEED INTERNATIONAL MEDICAL COVERAGE?
 
International travel and relocation have become common, if not routine for both groups and individuals from all nationalities. Unfortunately, many travelers are misinformed or unfamiliar with how their primary health insurance plan will actually pay a claim incurred outside the United States. The fact is: Most, if not all, U.S. based health plans DO NOT provide any of the following services in the event of an emergency abroad:
 
  1. 24-hour multilingual Worldwide Services
  2. Instant physician and hospital referrals anywhere in the World
  3. Guaranteed payments and coordination of benefits to medical facilities worldwide
  4. Immediate dispatch and coordination of Emergency Medical Evacuation services (anytime anywhere)
  5. Repatriation of Remains and Emergency Reunion
  6. Peace of Mind (all the above services and benefits are included)
Finally, all United States passports clearly state that persons considering foreign travel should determine what health insurance coverage, if any, they have while outside the United States. It further states that Medicare does not cover health care costs outside the United States.
 
 
Do you carry ALL lines of insurance with EMA? 
 
 Why not make insurance convenient and have only ONE phone call to make?
 
 We represent several insurance companies to quote all of your personal insurance needs. We specialize in home, automobile, watercraft, personal umbrella, rental homes, vacant homes, mobile homes, motorcycle, recreational vehicle and much more.
 
Please contact Pat Lisi directly at 586-778-9900, extension 236 for a quote today. You can also email her at plisi@emainsurance.com.
 
Remember, We Are Always Looking for Referrals!

We will send you a small Thank You gift for each referral we receive. 

If we are not quoting your health insurance, you are paying to much.
 
We can save your business on average 20% to 40%.
 
Please call to find out exciting new details.
(586) 778-9900