Business

Employee
Benefits

large or small groups

Medical And Prescription Insurance:

Clark and Associates offers an array of medical insurance options for all large or small group employers regardless
of industry, both nationally and globally.

We work closely with each of our clients on:

  • Custom plan design that addresses single or multi-site needs
  • Analysis and recommendations based on specific financial parameters
  • Utilization analysis to assist in the decision-making process related to plan changes or enhancements

Our integrated servicing and administration model allows us to effectively tie your entire benefits program together,
resulting in:

  • Rapid claims adjudication
  • An HR resource that can save you time and money
  • Enhanced employee satisfaction
  • Vendor and carrier accountability

Dental Insurance

The ability to offer dental insurance to your employees creates a distinct advantage for your company in the
marketplace. Clark and Associates can help you tailor a dental offering that works well within your overall benefits
program.

Life Insurance

Group Life Insurance is a relatively inexpensive way for employers to help their employees plan for their future.
Clark and Associates has access to a variety of options through our extensive carrier network that will enhance your
overall benefits program.

Disability Insurance

Short and Long-Term Group Disability policies allow employers to help employees protect themselves in cases of
non-work-related disabilities, which are not covered by workers’ compensation.

Tax Favored Employee Benefits

Clark and Associates can customize a program that meets the needs of your business and your employees, with features
such as:

  • Premium Only Plans (POP)
  • Health Care Spending Accounts (HCSA)
  • Dependent Care Spending Accounts (DCSA)
  • Full Flex Dollar Allocation Plans (Cafeteria Plans)

Association Health Plans

On June 19, 2018, the U.S. Department of Labor expanded access to affordable health coverage options for America's
small businesses and their employees through Association Health Plans.

Association Health Plans work by allowing small businesses, including self-employed workers, to band together by
geography or industry to obtain healthcare coverage as if they were a single large employer.
Association Health Plans will also be able to strengthen negotiating power with providers from larger risk pools and
greater economies of scale.
Clark and Associates has been a leader in the development of Association Health Plans in Nevada. We are available to
assist you with all of your questions and to get you enrolled into the Plan that is best for you.

Nevada Association Health Plans:

Below are Association Health Plans available to our clients statewide:

Property &
Casualty

Overview

We offer commercial liability insurance packages that are tailored for different types of businesses. Whether it is
insurance for your building, business property, equipment, inventory or company vehicles, we offer products and
services to protect your business. In addition, we offer group health and retirement plans.

General Liability Insurance (E&O, D&O)

While General Liability Insurance is primarily focused on property damage or bodily injury, errors and omissions
insurance, also called Professional Liability Insurance, protects you if a client claims that your services caused
them to suffer financial loss.

Many professional services companies choose to purchase E&O insurance policies, which are typically issued in
increments of $1 million and have per-claim deductibles ranging from $1,000 to $25,000.

Some insurance companies are reluctant to issue professional liability policies, while others specialize in policies
for specific professions. Because Clark and Associates has access to multiple insurance carriers and is able to work
with a wide range of small business professionals, we know how to find E&O insurance coverage that is comprehensive
and yet fits your small business’s budget.

It’s important to note that almost all professional liability insurance policies are sold on a “claims-made” basis.
This means that the insurance only covers work performed while the policy is in force, and for claims actually filed
during the term of the policy. If you cancel your E&O insurance policy without arranging for an extended reporting
period, your coverage would end and any claims submitted after the cancellation would not be covered, even though the
work was performed while the policy was in effect.

It’s also important to know that there are exclusions in every E&O Insurance policy. Before you purchase this type of
policy, you’ll want to think about the most dangerous threats and professional risks for your business and look for a
plan that covers those specific risks.

Professional Liability

Among the many lines of coverage and services offered,Clark and Associates also specializes in Professional Liability
Insurance Nevada, also known as Errors & Omissions (E&O) or Medical Malpractice Insurance.

Even the most careful of professionals can make mistakes, and your business runs the risk of being sued by a
dissatisfied client. Good professional liability insurance Nevada protects businesses against liability lawsuits and
helps pay costs that result from professional negligence claims.

Clark and Associates’ comprehensive professional insurance program covers the following:

  • Accountants
  • Architects
  • Attorneys
  • Doctors
  • Engineers
  • Mental Health Counselors
  • Miscellaneous Specialties
  • Photographers

When it comes to business, nothing is ever certain. Professionals can fail to provide services for whatever reason;
they may also have limited oversight that can cause clients financial losses. Regardless of whether these claims have
any basis, a business, when sued, will have to pay for defense costs or settlements. Protect your business against
liability damages with Clark and Associates’ professional liability insurance coverage.

Commercial Liability Insurance

We offer commercial liability insurance packages that are tailored for different types of businesses. Whether it is
insurance for your building, business property, equipment, inventory or company vehicles, we offer products and
services to protect your business. In addition, we offer group health and retirement plans.


Commercial Property Insurance

Commercial Property Insurance covers the risk of property loss in a variety of commercial situations, including
commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical
items. Property Insurance may cover two types of property losses:

  • Direct losses may be covered when property is lost, stolen, damaged or destroyed.
  • Indirect or consequential losses related to direct losses may also be covered.


Non-Profit

Non-profit organizations should consider getting commercial liability insurance in case it is sued. It should also
consider property insurance to pay for loss of things it owns. A business owner’s policy, a package that includes
both, is sold at discounted rates that may make it a good deal even if the organization owns nothing more valuable
than its files. An organization with employees may be required by law to have Workers Compensation Insurance and may
want it even if not required.

Casualty Insurance

Casualty Insurance consists primarily of liability coverage, which protect an insured party against injury or damage
claims made by other parties.

Policies provide coverage for liability arising out of:

  • Premises and Operation
  • Fire Damage Liability (damage by fire to premises rented to insured)
  • Personal and Advertising Injury
  • Medical Payments
  • Products/ Completed Operations

You may want to consider a Business Owner’s Package which combines your Liability, Property, and other types of
coverage into one comprehensive policy. This can help you save time and money on your total commercial liability
insurance program. And since we live in an age of million-dollar lawsuits, you may also want to add extra liability
protection in the form of a Commercial Umbrella Policy. Contact us today for more information; we can tell you more
about these plans and if they make sense for you.

Human
Resources

HR Consulting

Clark & Associates’ affiliation with Solutions At Work is to provide business strategies with high quality Human Resource Consulting Services, HRIS, and Payroll Technology Solutions at a competitive price.

  • HR Consulting
  • Workplace Investigations
  • Managed Payroll
  • HR Technology – fully integrated payroll, time and labor management, HRIS and ACA Compliance


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