Why is Kulchin Ross Insurance Services such a great choice for all your insurance needs? It all comes down to "One Responsible Source", the advantages of having one agency handle your insurance requirements.

ISU Preferred Clients

What ISU does for Preferred Clients:

• Provide ongoing comprehensive exposure analyses and appropriate transfer of risk through proper insurance.
• Negotiate coverages and premiums rather than obtain quotes.
• Respond satisfactorily to all requests within 24 hours.
• Obtain lower costs through the interrelationship of employee benefits and workers’ compensation insurance.
• Shop the market for the Best Value every year.
• Avoid costly workers’ compensation claim and over-reserving.
• Lower benefit costs.
• Make available Human Resource and enrollment advice.
• Prepare an easy-to-understand summary of all policies.
• Provide claims reporting and settlement assistance. Yes, convenience is important... But so is knowing that you have the best value, feeling in control, and that you are dealing with a provider that has a high level of personal interest in you as well as the ability to deliver the strengths and resources necessary to get the job done.

Most business owners would like the convenience of buying all their insurance from one source. The unique database and internet connectivity of ISU Insurance Services provide our clients access to over 300 of the most aggressive and competitive insurance companies.

Yes, convenience is important... But so is knowing that you have the best value, feeling in control, and that you are dealing with a provider that has a high level of personal interest in you as well as the ability to deliver the strengths and resources necessary to get the job done.

Property & Casualty

• Automobile
• Boiler and Machinery
• Bonds
• Property Insurance
• Computer/Internet/Electronic Equipment
• Crime
• Employment Related Liability
• General Liability
• Transportation
• Financial
• Business Interruption
• Extra Expense
• Umbrella Liability
• Workers’ Compensation
• Professional Liability
• Glass Insurance
• Wrongful Acts Liability

Personal Insurance

• Homeowners
• Earthquake
• Flood
• Automobile
• Recreational Vehicles
• Aviation
• Valuable Items
• Yachts
• Life
• Long Term Disability
• Long Term Care
• Hospital
• Medical
• Umbrella

Employee Benefits

• Medical-HMO, PPO, POS, Indemnity
• Dental-DPO, DHMO, Indemnity
• Life/AD&D
• Short-term & Long-term Disability
• Employee Assistance Program (EAP)
• Prepaid Legal Program
• Business, Travel, Accident
• 401(k) or other Retirement Plan
• Section 125 Plan
• Executive Benefits
• Vision