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Programs

Insurance & Employee Benefits

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New York State Hospitality & Tourism Association

Insurance Programs Designed for the Hotel & Motel Industry…



Combine Most of Your Policies on One Account!



Many of our carriers offer coverage under one account.  


Businessowner's Coverage (Property & Liability)


Protects your building and contents (such as furniture, equipment, and fixtures) and covers expenses if your business is held liable for harm to another. Protection against loss of business income, employee dishonesty, damage to outdoor property, and more are automatically included with our basic policy.


Additional coverages are (among others) :



Property Coverage


Certain carries can insure your building and business personal property up to $8.5 million for "standard" hotels/motels and $15 million for "preferred" (with higher limits sometimes available. A number of deductible options are also featured).


Liability Coverage


Liability coverage can go up to $2 million (per occurrence) and $4 million (aggregate) which can be increased to $5 million by adding our Umbrella policy.


Higher limits may be available for certain applicants by endorsement.


Workers' Compensation


Protects your employees from work-related injuries/illnesses by covering medical expenses and lost wages. Safety resources as well as assistance in setting up a return-to-work program are absolutely FREE with your policy.


Commercial Umbrella Liability


Provides an additional tier of protection, typically extending existing limits as well as your financial security.







Low Costing Health Plan

For the Greater NY Area



Value Gold 45/45 EPOc with Insurance Plans with Care Connect


3rd Quarter 2016 Monthly Rates:


Employee Only $ 447.00

Employee & Spouse $ 893.00

Employee & Child(ren) $ 759.00

Full Family $ 1273.00


* Subject to change without notice.  Available for eligible groups of 2-50 lives in the greater NY area. Coverage offered through Care Connect

Low Cost Comprehensive Individual and Group Dental Plans from Healthplex








Select DHMO plan offers extensive coverage at an affordable cost that works within any budget for an individual, family or business. Benefits of the Select Plan include:



Over 6,400 Dental Access Points in New York and New Jersey!

To view participating providers in your area, log on to www.healthplex.com and click on                    

Our Dentists”, select “Managed Care Panels”, then “Select Panel".



Categories of Services


Diagnostic and Preventive Services – Cleanings, Exams and X-Rays
Basic Services – Restorative, Endodontics, Periodontics and Oral Surgery
Major Services – Crowns, Bridges and Dentures
Orthodontic Services – Reduced fee of $2,910 for the initial insertion and 24-months of adjustments           

(In-Network only) for dependent children under the age of 19



Group plans require a minimum of two (2) employees enrolled.
Any families with over four (4) dependents have an additional $10 charge per dependent per month.
The Select Plan is ACA compliant and includes the Pediatric Dental Essential Health Benefits for dependent children under the age of 19.









Rates above are community rated for groups situs in New York. The information highlighted above is not intended to be a complete list or description of benefits. Exclusions and limitations apply. All benefits are governed by the Group Dental Agreement. All groups are subject to final underwriting approval by DENTCARE DELIVERY SYSTEMS, INC. The Select Plan is underwritten by DENTCARE DELIVERY SYSTEMS, INC. and administered by HEALTHPLEX, INC.

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For the members of the New York State Hospitality & Tourism Association.  

Our comprehensive insurance programs, employee benefit packages, and risk management services can include:   

Example Optional Endorsements


LIMITED BED BUG - KISSING BUG LIABILITY COVERAGE   Read the form>>

EMPLOYEE BENEFITS LIABILITY COVERAGE  Read the form>>

NEW YORK - HOTELS/MOTELS - LIABILITY FOR GUESTS’ PROPERTY IN SAFETY DEPOSIT BOXES  Read the form>>

EMPLOYMENT - RELATED PRACTICES LIABILITY ENDORSEMENT  Read the form>>

UTILITY SERVICES - TIME ELEMENT  Read the form>>

LOSS OR DAMAGE TO CUSTOMERS’ AUTO (LEGAL LIABILITY COVERAGE)  Read the form>>

DATA COMPROMISE ENDORSEMENT  Read the form>>

PRIVATE PARKING LOT ENDORSEMENT  Read the form>>

3rd Quarter 2016

Group Rates (2+)

Individual Rates

Single

$ 18.00 per Month

$ 264.00 per Year

Two-Party

$ 31.00 per Month

$ 432.00 per Year

Family

$ 45.50 per Month

$ 618.00 per Year