Protecting your future.

Summer storms aren't just annoying, they can wreak havoc on your business!

According to the Small Business Administration, roughly 40-60% of businesses never reopen following a disaster. "A business continuity plan is an essential factor of a small company's long-term success and will contribute to the community's economic recovery in the aftermath of a disaster," says Maria Contreras-Sweet, administrator for the U.S. Small Business Administration.
We're here to make your life easier so please don't hesitate to contact me at 800-796-8495 any time with any questions or concerns.

Don Foley


CMS has issued a proposed rule implementing Prior Authorization for 89 prosthetic codes over $1,000.

The rule is not a viable option as it stands, and AOPA is urging EVERYONE in O&P to submit comments in advance of the July 28 deadline.

Submit your comments in the online form and AOPA will hand deliver all of the AOPA member comments prior to the deadline.  





Business Interruption Insurance
Keep Your Business Running

Business interruption insurance keeps your business from closing its doors due to unexpected events. If you're closed for business, you still have to pay the bills - employees, rent or mortgage, suppliers, taxes and yourself. A force outside your control may interrupt your business continuity strategy and cause you to close your doors for a time, including:

  • Fire
  • Hail
  • Wind storm
  • Vandalism
  • Equipment damage

Business interruption insurance can keep capital flowing through your company in the event of such disruptions. It can help you:

  • Keep your business afloat if a loss forces you to close for a short time
  • Pay for lost net income and continuing expenses such as mortgage, advertising, taxes and salaries
  • Pay your relocation and advertising fees if you set up shop at a temporary site
  • Maintain your business continuity strategy

Interested in learning more?


Give us a call, you'll be glad you did. 800-796-8495

Janet Dyer has been with Cailor Fleming
for 28 years!

Friendly Face of Cailor Fleming
Janet Dyer, Claims Manager


Janet has been with Cailor Fleming since 1986!  Most of that time she's been in the Claims Department. She's spent  the last 20 as Cailor Fleming's Claims Manager where she has adjusted claims for the O&P industry. 


She loves:

  • Ohio State Buckeyes
  • Jimmy Buffet
  • Lake Erie
    • Janet has a cottage @ Geneva-on-the-Lake and enjoys spending time along the shores of Lake Erie. 
    • Lake Erie is the fourth largest lake of the five Great Lakes in North America
    • The lake is named after the Erie tribe of native Americans who lived along its southern shore. 

She is an avid walker, enjoys the bike trails along the lake, as well as searching for beach glass and special rocks along the shore line.  When not near the water, she enjoys antiquing and searching the local flea markets for treasures.


She and her husband Jeff have three children, two boys and a girl.  She is proud to call New Middletown, Ohio, home!  

Have Questions?
Stop by the Cailor Fleming booth at any of the following meeting and we'll be happy to answer your questions.

Learn what YOUR O&P insurance agency can do for you at these upcoming meetings.


July 17-19, 2014
Embassy Suites
Montgomery, AL


July 31-August 2, 2014
Renaissance Orlando
Orlando, FL


August 7-9, 2014
San Antonio, TX


September 4-7, 2014 


Booth # 1174

Las Vegas, NV 


November 7, 2014


Hilton Garden Inn

Emeryville, CA 


We're here for you 24 hours a day, 7 days a week, 365 days a year. If you need to submit a claim, click on the links below for the applicable form, fill it out and give us a call.
What We Can Offer You

Our goal is to provide you with a world of protection.
  • Health Insurance
  • Employee Benefits
  • Commercial Lines
  • Home & Auto Insurance
  • Orthotics & Prosthetics
  • Sleep Center Industry
  • Medical Transportation Services
  • Medical Equipment Repair
  • Durable Medical Equipment
Need an application? Click here.

Cailor Fleming is the only insurance provider endorsed by the AOPA.

  2014 Cailor Fleming Insurance   
Give us a call today!
Independent Medical, Auto & Home Insurance