ASK MOST MANUFACTURERS what three types of insurance are the most difficult to monitor and cost-control and they'll all likely give the same answers: Product Liability, Workers Compensation, and Property Coverage. Eastern States Insurance has unique knowledge and skills in all three.      

        PRODUCT LIABILITY: Underwriters draw their product liability rates from a wide range of industry classifications, with the result that manufacturers who are not properly classified are often assessed higher than necessary premiums. At Eastern States Insurance we represent every client by studying, analyzing, and actively underwriting each situation in-house. Only then, are we able to guide insurance underwriters toward the most appropriate and advantageous rates. This approach requires extensive in-depth communication between Eastern States' staff, our clients, prospects, and insurance company personnel. But it's well worth the effort. The result is savings on even the most hazardous products liability exposures.

        WORKERS COMPENSATION: Eastern States Insurance Group has extensive knowledge of market alternatives on a state-by-state basis. These include retro plans, deductible programs, self-insurance, group self-insurance, and other risk financing methods. Our in-house claims department periodically reviews and monitors each client's loss history to ensure that individual Experience Modification and ARAP factors are calculated properly. Once workers compensation coverage is in place, Eastern States' continuous follow-up on claims, dividends and audits routinely save thousands of dollars annually.

        PROPERTY COVERAGE: At Eastern States Insurance, we have access to a variety of high- capacity property insurance carriers skilled in structuring complex and specialized insurance programs. Large deductible options, off-premises power failure, and coverage on dependent buyers and suppliers, are among the terms negotiated with a range of qualified underwriters. Property floaters, transit, natural disaster, boiler and machinery, and various loss-of-income coverages are also designed and priced competitively.