Our Knowledge…

Your Benefit

Your Full Service Insurance Agency

Individual and Group Benefits Coverage Individual and Group Life Insurance Individual and Group Dental Insurance CAPE- Cash Assistance Program for Employees Personal Automobile and Homeowners Coverage Personal Scheduled Property Including Jewelry, Guns and Fine Arts ATV’s, Motorcycles, Campers, RV’s, and Boats Business Insurance Including Property, Liability, and Business Interruption Workers Compensation Professional Liability Personal and Business Umbrellas Business Auto Flood and Earthquake Coverages also available Cyber Liability

Did you know your policy may not cover…

Windstorm and Hail Earthquake Flood Water Damage Caused By Sewage

Backup Mold and Fungus Theft Vandalism

Wear and Tear Power Failure/Spoilage Pollution War Nuclear Hazard Intentional Loss Governmental Action Terrorism Ordinance or Law

Why do you need Auto Insurance?

CONGRATULATIONS to Ed Byrd (left) for being recognized as The SPIKE OF

2014 from the HIGHEST RANKING SPIKE Frank Clark for the HBA of the

Greater Columbia!

Construction

RoofingFlooring

Insulation Installation

Interior Finishing

Excavation

INDEPENDENT AGENTS REPRESENTING

BUSINESSINSURANCE

Internet Technology

WORKERS COMPENSATION

Why We Buy Life Insurance1. Life insurance is about

taking care of loved ones.2. You recognize that life

insurance is for the living.3. You know that life insurance

is an expression of love and caring.

4. Life insurance is mortgage protection.

5. Life insurance provides cash when it’s most needed.

At the heart of it, if you are like most people, you do so for five

very good reasons.

We buy life insurance because it is the best way to protect our

loved ones.

The process canbe tough but thereare ways to makesure you understandwhat you’rebuying, and thatyou get the productthat best suitsyour needs.Before decidingwhich policy isbest, you have to consider a number of factors.Some of these include: the scope of whatyou want to cover, the degree of risk toleration,the network of medical providers and themonthly cost.

More Americans are buying their own health insurance.

Quick Facts on Medicare Generally, a person can enroll in Medicare three

months before and after their 65th birthday. You are known as a Medicare “beneficiary”.

You will receive your Medicare card automatically if you are receiving Social Security or Railroad retirement benefits.

Medicare has enrollment periods. You must enroll when you are eligible; however, if you are working, you may delay enrollment in some situations.

You do not have to be currently receiving Social Security benefits to sign up for Medicare. They are separate benefits.

You may not need all parts of Medicare if you have insurance from your employer and plan to continue working.

Schedule Your Annual Review

See if you are eligible for a Member or Association Discount Program

Some eligible programs:

SC Home Builders Association South Carolina Bar South Carolina CPAs Association Chamber of Commerce Members

Designing the best health plans for your business

CASH ASSITANCE PROGRAM for EMPLOYEES (CAPE)

Today, many employees are faced with high deductibles and other out of pocket costs associated with a hospital admission plus personal expenses such as loss of income. For many, an accident or illness can create havoc with a budget as well as debt in the thousands of dollars that can affect the financial soundness of a family for years. CASH ASSITANCE PROGRAM for EMPLOYEES (CAPE) is a way to provide needed cash to employees for illness/accident expenses through the employer on either an employer paid or voluntary basis.

Health Plan Options – Small Group, Large Group, Managed Care, Self-Funded, Level Funded

Group Dental

Group Life Insurance Plans

SIC Also Offers – Short/Long Term Disability, Retirement Plans (401k, SEP, etc.), Wellness Plans, and Benefit Counseling

CAPE – Cash Assistance Program for Employees

Some Of Our Carriers We Represent

Just beginning to think about Long-Term Care?

Here are some questions to consider…

What is Long-Term Care?

Who will need Long-Term Care?

How much care will be needed?

Who will provide the care?

Who will pay for the Long-Term Care?

Should you purchase your state's minimum car insurance coverage?

New 2013 Chevrolet Tahoe MSRP: $40,750

NO

Every state in the U.S. has the ability to set its own state minimum requirements for auto insurance. The state minimum requirements typically includes bodily injury liability and

property damage. South Carolina’s state minimum limits are:

Bodily Injury $25,000 Per Person/$50,000 Per AccidentProperty Damage $25,000 Per Occurrence

Cost for car repairs and damages can add up quickly. An accident can happen to anyone, don’t be underinsured!

Flood FAQs Does flood insurance cover flood damage caused by hurricanes, rivers, or

tidal waters?

Yes, providing that, if confined to your property, the flood water covers at least two acres. A general condition of flood also exists if two properties are affected, one of which is yours

Why do I need flood insurance if I live on a hill and will never get flooded?

Floods can occur in any area, although to varying degrees. If you live on a hill or in an area that has never been flooded, your risk may be significantly reduced, but it is not eliminated.

Flooding can be caused by heavy rains, melting snow, inadequate drainage systems, failed protective devices such as levees and dams, as well as by tropical storms and hurricanes. Please make an informed decision about the flood risks you face before deciding not to purchase flood insurance. Talk to your agent for additional details – you may qualify for a Preferred Risk Policy (a lower-cost flood insurance policy).

www.FloodSmart.gov

I don’t have flood insurance, but doesn’t my homeowners insurance cover this?

Most homeowners insurance does NOT cover damage or losses from flooding. Some damage to your property may have been caused by something other than flooding. Look at your policy and see your homeowners insurance agent for more information about what types of damage are covered by your policy

www.FloodSmart.gov

Cyber events happen every dayIs your business protected?

Consider the following:

- Your employee accidentally—or deliberately— sends an email containing private customer information.

- An employee laptop containing private customer information is lost or stolen during travel.

- A hacker gains unauthorized access to your network and steals private customer and employee information.

"Only large organizations are targets."Not true. Cyber criminals do not discriminate and often target small businesses

Professional Liability As professionals operate in today’s increasingly litigious environment, you could easily be subject to allegations by unhappy clients who may feel they’ve been harmed by their actions or inactions. Travelers 1st Choice+ provides exceptional professional liability/errors and omissions coverage that can be customized to the unique risks faced by an assortment of professionals.

Accounting Professional Liability Professional Liability for Design Professionals Lawyers Professional Liability Real Estate Professional Liability

Errors and Omissions Coverage

Miscellaneous Professional Liability (MPL) covers errors and omissions for a variety of professional service providers.  MPL provides coverage for negligence in the performance of services where a reasonable standard of care is expected.

Southeastern Insurance Consultants, LLC 1061 Bickley Road

Irmo, SC 29063803-732-7284

Stop by for your FREE insurance review!www.siconsultants.com