For this Republic-Franklin Health Insurance Company Review, the Republic-Franklin Insurance Company and its parent company Utica National Insurance Group will be discussed. With a financial rating from A.M. Best of A-, the insurance company has a stable outlook for the future. With a variety of insurance products offered, Utica National is able to help protect many aspects of your life, whether it is personally or in your business.
Republic-Franklin Insurance Company and Utica National
To help serve their customers better and offer them more choices and flexibility with their insurance policies, Republic-Franklin chose to become a part of a larger insurance organization, Utica National Insurance Group.
Utica National has been around since 1914 and has become one of the insurance companies in the top 100 of the nation. Through Utica, Republic-Franklin is able to offer not only personal and business insurance but also coverage for specialized markets, for which Utica is nationally recognized.
Utica National is based out of Utica, New York and they have regional offices throughout the eastern, mid Atlantic, New England, Southeastern, and Southwestern areas. The offices for Republic-Franklin are located in:
- West Virginia
- South Dakota
Republic-Franklin Insurance Company Risk Prevention
One of the benefits of having the support of Utica National Insurance Group is that Republic-Franklin has tools to help their business customers assess and manage risk. Both small and large businesses can benefit from the loss prevention and safety program offered by Utica National.
One of the benefits of the program are on-site evaluations. A risk management specialist will come to your business and analyze the risks that your staff may face as well as see how safe your physical assets are. The specialist can also help you decide, based on advantages and risks, if you should implement new processes or technologies.
The specialist will review any losses you have had in the past to see if there are any trends in the source or nature of property damage and injuries. Once the specialist has analyzed and reviewed, he or she will make suggestions of things you can implement or change to make it a safer workplace.
Risk management specialists are located all over the country so they are conveniently on hand to help you personally. Utica National also offers safety tips and resources online. These may be tips for job safety or natural disaster information.
Republic-Franklin Insurance Company Special Coverage
One of the advantages of being a member of Utica National is that Republic-Franklin has access to special insurance coverage. Utica National specializes in certain niches of the market that not all insurance companies have access to.
Their errors & omissions coverage was designed for insurance agents. There are two programs especially formed for independent agents. One program is for agencies that sell mainly property and casualty products and the other is for agencies that sell mainly:
- Life products
One of Utica National’s specialty products is the ASAP Plus, which stands for Automobile Services Advantage Program Plus. This was designed specifically for vehicle and car repair shops. The ASAP Plus is a complete package that includes:
- Inland marine
- Commercial property
- Umbrella coverage
To help with different aspects of your business, Utica National offers a Bonds program. You may need a fidelity bond which helps protect your business profits, a contract bond to build something, or a surety bond for a permit. Utica National can underwrite any of these bonds for you.
Bonds can also be tailored for your special business needs. These include:
- Non-compensated officers
- Computer fraud
- Credit card
- Peak season coverage
Although many insurance companies offer workers comp insurance, Utica International takes it a step further by offering Uti-Care, which is a program that helps you control your costs while managing your workers comp cases.
Uti-Care consists of both cost containment and medical case management programs. The cost containment program includes:
- Discount pharmacy program
- Diagnostic network
- Preferred provider organization
- Program for medical bill review
The program for case management includes:
- Technological intervention
- Loss call center
- Nurse program
- Online network directory to help you find a provider
To find out more about any of these specialty programs just contact your local Utica representative.
To compare health insurance online, just enter your zip code on this page.