* = ODA Plans

Health

Coverage for medical, hospital and prescriptions. Available for either individuals or employer groups.

Apply for Health Insurance

Workers’ Compensation *

Covers medical expenses and compensation benefits to employees who are injured or sickened on the job.

Apply for Workers' Compensation

Disability *

Provides replacement of your income should you become disabled due to accident or illness. Available for either individuals or employer groups.

Apply for Disability Insurance

Business Overhead Expense (BOE) *

Protection to cover business expenses such as payroll, insurance, utilities, and rent if you become disabled.

Apply for Business Overhead Expense

Professional Liability (aka Malpractice or Errors and Omissions, E&O) *

Protection for your liability to patients and third-parties for acts, errors or omissions within the scope of your profession. Many policies also provide risk management and pre-claim assistance in addition to defense and claims payments.

Learn more about Professional Liability

Apply online for Professional Liability

Employment Practices Liability *

Claims and defense protection for your liability for employment-related allegations, such as wrongful termination, harassment and discrimination. Many policies also provide coverage for third-party allegations, as well as HR training tools and risk management assistance.

Apply for Employment Practices Liability

Commercial Property

Protection for damage to your business property, such as building and contents, including labor and materials.

Apply for Commercial Property

General Liability

Claims and defense protection for your liability for business operation allegations such as bodily injury, property damage, and personal injury.

Apply for General Liability

Directors and Officers Liability

Covers your officers and board of directors for claims resulting from breaches of duty of care that have adverse financial consequences to its constituents (i.e. clients, shareholders, employees, government, competitors, and vendors).

Apply for Directors and Officers Liability

Cyber Liability and Data Breach Protection (aka Network Liability) *

Covers your liability to clients for a data breach in which your clients’ personal information is exposed to or stolen by someone who has accessed your firm’s electronic network.

Learn more about Cyber Liability

Apply for Cyber Liability

Life *

Upon your death, provides income replacement for your family beneficiaries and could be used to pay off debts, pay for burial expenses, charitable giving, and even to finance a business succession. Many policies also provide a living benefit should you be diagnosed with a terminal illness. Permanent policies, such as whole, variable or universal also have cash value benefits. Available for either individuals or employer groups.

  • *ODA 10 Year Level Term Group Plan – Underwritten through New York Life Insurance Company, the 10 Year Level Term group plan provides life insurance at a guaranteed rate for 10 years.
  • *ODA Annual Renewable Term Group Plan – Also underwritten through New York Life Insurance Company, the Annual Renewable group plan is popular with young families and middle-aged clients due to low initial premiums and high face values
Apply for Life Insurance

Long Term Care

Coverage for nursing home, assisted living or home health care should you be unable to perform two or more Activities of Daily Living (ADLs).

Contact us to apply

Accidental Death & Dismemberment *

A limited form of life insurance where a benefit is paid should you lose the use of certain body parts or should your die by accidental means versus natural causes.

Contact us to apply

Business Auto

Protection for use of your company’s vehicles in the course of carrying out business. Coverage may include vehicles owned or leased by the company, hired by the company or employee-owned vehicles used for business purposes.

Apply for Business Auto

Personal Umbrella *

Excess Liability in addition to liability limits on your home and auto policies.

Contact us to apply

Homeowners

Coverage for property damage to your home and covered structures (such as fence or shed), medical expenses and personal liability.

Apply for Homeowners Insurance

Motorcycle

Coverage for property damage to your motorcycle, liability for damage you cause and medical expenses.

Contact us to apply

Earthquake

Coverage for property damage to your home and covered structures (such as fence or shed), medical expenses and personal liability resulting from an earthquake.

Contact us to apply

Flood

Coverage for property damage to your home and covered structures (such as fence or shed) resulting from a flood.

Contact us to apply
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