Servco Health Insurance Company
A Servco Health Insurance Company review leads to Servco Insurance Services. Servco Insurance Services is located in Hawaii and is one of the largest insurance providers in the state. Servco is locally owned and provides coverage throughout the state as well as for international marine and aviation businesses headquartered in Hawaii.
Servco works with a variety of subsidiaries to provide more coverage options for their clients. These subsidiaries include:
- Island Insurance Companies
- First Insurance Company of Hawaii, Ltd.
- Fireman’s Fund Insurance
Subsidiaries are one way that Servo Insurance Services can provide additional services to clients.
Servco Insurance Services Commercial and Personal Insurance
Servco Insurance Services commercial insurance options are numerous. They include:
- General liability
- Business auto
- Garage liability
- Workers compensation
- Inland marine
- Property insurance
- Crime coverage
- Umbrella coverage
Agents analyze each business and come up with an overall package that is specific to that particular company.
Commercial insurance is necessary for all businesses. Some insurance coverage is mandated by law, while other coverage is optional. Each company has different needs and a different budget, so Servco Insurance Services agents help match businesses to policies and do their best to make sure no one is over or under insured.
Personal insurance from Servco Insurance Services is meant to provide individuals with the tools they need to protect themselves and their families. Having the right coverage depends on many factors such as:
- State laws
- Personal need
- Required coverage for customers with home and auto insurance policies
Servco personal insurance policies include:
- Auto insurance
- Homeowners insurance
- Hurricane coverage
- Dwelling-fire insurance
- Personal effects rider
- Flood insurance
- Umbrella insurance
Each type of coverage provides a unique aspect of coverage needed to protect the assets of the individual seeking coverage. Personal insurance policies are handled by field agents to can provide one on one help to clients.
Servco Insurance Services Specialty Insurance
Some types of insurance are unique and are referred to as specialty insurance. This is because not everyone needs these types of policies. Specialty insurance is not offered by all insurance companies because there is added risk involved in taking on some of these policies, but Servco has developed several specialty insurance policies.
Specialty insurance policies offered by Servco Insurance Services include:
- Employment practices liability
- Directors and officers liability
- Professional liability
- Construction wrap-up insurance
- Captive formation coverage
- Aviation insurance
- Energy, fuel, and oil coverage
- Difference in conditions coverage
- Pollution liability
Some of these insurance policies are for non-profit organizations and others are for profit only companies. All of the policies are customized to meet the specified needs of the company seeking coverage. Specialty coverage is not for every company. For example, pollution liability is only for companies that have emissions. Servco agents are trained to write policies for specialized insurance policies as needed.
Servco Insurance Services Marine and Aviation Insurance
Being located in Hawaii, it makes sense that one of the Servco’s biggest categories of insurance is Marine and Aviation. Many companies that are involved in marine or aviation industries use Hawaii as a headquarters because of its coast and location. Servco offers insurance products that cover marine and aviation companies.
The marine business has many aspects that must be covered including operations, the ships themselves, and those who operate the ships. Whenever something is operated at sea, there is always risk involved. This inherent risk calls for specialized marine insurance such as if offered by Servco and several other insurance companies.
Likewise, the aviation industry also has a variety of aspects that must be covered by insurance both legally and practically. All aspects of aviation insurance are considered high risk and must be covered with specific aviation insurance that needs to be customized according to the type of aircraft used.
Servco products in the marine and aviation industry include:
- Hull and machinery insurance
- Protection and indemnity insurance
- Maritime employers’ liability
- Terminal operators’ liability
- Marine general liability
- Charterers’ legal liability
- Wharfingers’ legal liability
- Excess liability
- Ocean cargo insurance
- Excursion vessel operations
- Commercial marine operations
- Aviation insurance
Even though Servco does not provide personal health insurance plans, you can receive rates and quotes for personal health insurance from several companies by entering your zip code in the free box on this page.