Save 11 Percent on Workers Compensation Insurance

A great opportunity to invite companies to consider the benefits of joining the HBA

By Jeff DeHaan, Montgomery and Graham (CPCU)

SAIF Corporation announced that the discount for HBA members insured in the HBA group program would be 11 percent until July 1, 2012. The discount for HBA members who qualify is almost the highest it has been in over 10 years.

This is an outstanding opportunity for current members to invite a wide variety of businesses to consider joining the HBA. In the case of businesses with even a modest number of employees, the discount on insurance costs could easily cover the cost of joining the HBA.

Here are the requirements to receive the discount (SAIF Corporation underwriters have judgment authority to add the HBA group discount):

• Must have an annual standard premium greater than $2,500
• Must be a member in good standing with the HBA (dues paid current)
• Must have a record of worker safety

Listed below are the classes of business that qualify for the 11 percent discount if they are members of the HBA. Use this list to stimulate your thinking about who YOU could invite to join.

• Landscape Gardening
• Carpentry Shop
• Overhead Door Installer
• Fireplace Construction
• Plumbing
• Automatic Sprinkler Installation
• Electrical Wiring
• Concrete Construction
• Concrete Work/Private Residence Concrete Flatwork
• Swimming Pool Construction
• Tile/Stone/Mosaic/Terrazzo Carpentry/Industrial
• Carpentry/Finish Cabinetry
• Drywall Installation
• Glazier-Away from Shop
• Painting
• Carpet/Floor Layers
• Insulation Work
• Asphalt Laying
• AC/Heat/Refrigeration
• Roofing -all types
• Excavation
• Sewer Construction
• Fence Erection
• Burglar Alarm
• Building Material Dealer
• Surveyor -Architect
• Estimator/Outside Sales
• Appliance-House
• Electrical Install

If you would like to refer a business that fits one of the classes below to Montgomery & Graham, we will perform a free written analysis to determine how much the business would save in premium by joining the HBA. There is no obligation for this analysis, and the prospective member could keep their current insurance agent and make the final decision to join the HBA based on the amount of the projected insurance premium savings.For more information, contact me at 971-327-5793 or jdehaan@mg-pc.com

HBA Endorses Montgomery & Graham

Dave Nielsen,

Chief Executive Officer
HBA of Metro Portland, Oregon

Our partnership with Montgomery & Graham has proven to be one of the best and most valuable business benefits for the members of the HBA. In fact, in 2008 the partnership won a National Association Excellence Award for “Best Service Delivered to Members”!

As a Broker agency, Montgomery & Graham is able to research across multiple product lines and find our members the best product to meet their needs and still maximize value. In addition, they have access to some exclusive insurance programs that provide substantial discounts that are only available to HBA members. Workers Comp, Medical, Dental and Construction insurances have especially attractive programs and discounts which can provide savings that can exceed the cost of HBA membership.
Not only do our members save money by using Montgomery & Graham to meet their need for insurance products, they are also supporting the industry and the local HBA. As the HBA and Montgomery & Graham participate in joint marketing, Montgomery & Graham is able to support the HBA thru substantial marketing fees and participation in and sponsorship of various HBA events throughout the year. These revenues help support HBA and provide us with additional resources to serve our members and protect, promote and advance the industry.

We have been in partnership with Montgomery & Graham for several years now; they understand our members’ needs and the issues that contractors face on a daily basis as it relates to insurances. We are proud to be in partnership with them to offer our members a wide array of quality insurance products.