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Associated Insurance & Risk Management Advisors, founded in 1890, is a privately owned insurance and risk management firm committed to exceptional client service. Associated offers property & casualty insurance, employee benefits, high-net-worth personal insurance, 401(k), and individual life & health insurance. Collaborating with businesses and individuals both locally and nationally, Associated provides a variety of specialized and customizable insurance solutions. The company is headquartered in Rolling Meadows, Illinois, with additional offices throughout the Chicagoland area, as well as in Atlanta, Cincinnati, and Minneapolis.

Our association has teamed up with several other marine
industry associations to bring you an exclusive health
insurance program tailored specifically for marine-based
member employers. This program offers a range of benefits
designed to meet your unique needs:
• Lower Premiums: Save on costs compared to other
commercially available plans.
• Comprehensive Provider Networks: Access to
better health care providers for your employees.
• Affordable Prescription Coverage: Reduced
costs for prescription medications.
• Lower Deductibles: Enhanced benefits with lower
out-of-pocket expenses for your team.

Eligibility Requirements:
• Designed for association member employers with 2+
employees enrolling with a minumum of 5 covered, which
includes dependents.
• Underwriting Process: The insurance carrier evaluates
the group’s medical cost risk using tools such as
aggregated prescription claims data to assess overall
health risk.

Intact Ocean Marine offers a complete range of ocean marine insurance solutions. We have continuously served the global economy, commercial shipping and transportation industries since 1900. Products include, but are not limited to, commercial hull and protection & indemnity, marine liabilities, terminal operators, marine contractors commercial marine packages including marina, yacht clubs and boat dealers ocean and air cargo, imported or exported with coverage extensions such as inland transit, warehousing and processing yachts and pleasure craft marine package products are also available including comprehensive property, auto and liability coverage.