It's the most comprehensive plan ever put together for Guam businesses!

You can get coverage for property, liability and worker's compensation, plus other benefits, all in one plan.

This comprehensive program is 10% less expensive than buying many separate policies, and it eliminates the maintenance of having many separate policies.

1. Property
   Perils: All Risk Forms or Named Perils available, subject to standard exclusions
   Property Insured:
   
   • Building and related structures
   • Contents usual to occupancy of the insured's premises
2. Business Liability
   Insures against damages which the insured becomes legally liable to pay because of bodily injury, property damage or personal injury to third parties as the result of the occurrence to which this coverage applies.
   
   The following are included:
   
   • Premises and Operations
   • Independent Contractors
   • Products and Completed Operations
   • Personal Injury
   • Employers Non-owned Auto
3. Worker's Compensation and Employers' Liability
   Workers' Compensation provides coverage for all compensation and other benefits to employees required of the insured by the Worker's Compensation Law of Guam.

You can also include the following features:

Insures actual loss sustained by the insured to profits and continuing expenses resulting from interruption of business caused by damage to property insured as the direct result of an insured peril.

Broad coverage against loss or destruction of Money & Securities on or off the premises.

Covers the insured's liability to pay for damage to structures rented to or occupied by the insured if damage results in fire or explosion arising from the insured's negligence.

Covers reasonable medical expenses to third parties that require medical services because of an accident arising from business operations.

Covers loss of money and other business personal property caused by dishonesty or fraudulent acts of the insured's employees.

Provides All Risk Coverage for exterior grade floor and basement glass and is not subject to the limits provided for glass elsewhere in the policy.

Provides All Risk Coverage for exterior grade floor and basement glass and is not subject to the limits provided for glass elsewhere in the policy.

Under the Guam Worker's Compensation Law, anyone who employs workers is required to purchase Worker's Compensation Insurance.

1. Includes Worker's Compensation Insurance (Coverage A) and Employer's Liability Insurance (Coverage B) based on Guam Worker's Compensation Law.
2. One year coverage from the date of purchase.
3. Covers all work-related injury or occupational disease during policy period except those resulting from employee intoxication or willful intent to injure himself or others.
4. If an employee suffers from a loss of income due to injury, Moylan's Insurance will pay the "Temporary Total Disability" (TTD) until the employee returns to work.
5. Quick application process.
6. Easy end-of-the-year adjustment and renewal.
7. Prompt payment of compensation.

100% Medical Coverage

Medical and Surgical Services

Medicine

Supplies

Hospital Services

Crutches and Other Apparatus

100% Off-Island Care (when referred by a doctor)

airfare

Surgery

Medical Treatment

Temporary Total Disability compensation (66 2/3% of employee's average weekly wage)

Paid after the 3rd day of injury if injured for less than 14 days.

Paid from 1st day if injured for more than 14 days and paid until employee returns to work.

1. Temporary Total Disability (TTD)
   66 2/3% of the average weekly wage.
   Paid after the 3rd day of injury if injured for less than 14 days.
   Paid from 1st day if injured for more than 14 days until employee returns to work.
2. Temporary Partial Disability (TPD)
   When employee experiences a decrease in earnings due to injury.
   2/3 of the difference between the pre-injury earnings and post-injury earnings at the same or new place of employment.
3. Permanent Partial Disability (PPD)
   Results when an employee loses one part of his body
   66 2/3% of the average weekly wage until employee returns to work.
   Additional weekly compensation for the medically specific disability. Examples are listed:

100% coverage: $100,000 will be paid in a lump sum or bi-weekly to surviving dependents. Bi-weekly payments are computed as a percentage of the average weekly wage that will not be less than $225 or more than $375.

Funeral benefit of $3,600

1. A copy of your Business License
2. A total estimate of the payroll for the covered term
3. A list of employee classifications

Formula to calculate premium:
Payroll for Classification x the hazard rate = premium of classification.
All classification premiums are totaled to formulate the overall premium.
If at any time you hire a new employee, notify your insurance agent to ensure that he is covered in your policy.

1. Report the accident immediately to your employer.
2. Fill out Form 201, "Notice of Employee's Injury or Illness" and return it to your employer.
3. Obtain and fill out Form 101. Medical bills will be paid by Moylan's Insurance. If you have already received medical treatment, you will be reimbursed.
4. Temporary Total Disability will be paid to you 14 days after your injury only if work time was lost. Formula to calculate Temporary Total Disability:

Average Weekly Wage x 66 2/3% = Weekly Compensation
Note: Average Weekly Wage = 1/52 of annual income. According to Guam Law, minimum compensation will be no less than $150 and no greater than $250

1. Provide the employee with Form 101, "Authorization for Medical Examination or Treatment". Treatment will be paid through your Worker's Compensation Insurance policy.
2. Instruct employee to fill out Form 201, "Notice of Employee's Injury or Illness " and advise him of the Worker's Compensation benefits.
3. Complete Form 202, the "Employers Report of Occupational Injury or Illness.
4. If the employee's return date is not available when filing Form 202, complete Form 210, "Employer's Supplementary Report of Accident or Occupational Injury"

Form 101: "Authorization for Medical Examination or Treatment"
Form 201: "Notice of Employee's Injury or Illness"
Form 202: "Employers Report of Occupational Injury or Illness"
Form 210: "Employer's Supplementary Report of Accident or Occupational Injury"