Member Services
Workers Comp Alternative
Health Insurance - Choose from some of the best known providers and plans in the country. Select the carrier that YOU want for your health benefits. Pick from Kaiser Permanente, Blue Cross, Blue Shield, Aetna, Health Net, United HealthCare & Sharp. We also offer over 200 plan options including PPOs, HMOs & HSAs.
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Life and Disability Insurance - The Guardian Life Insurance Company gives our members life and disability insurance while you're on and off the job. The Guardian has been a proud sponsor since the inception of ConAPA, Inc. Their financial strength coupled with a no-hassle claims department provides ease of mind for all of our clients.
These three components replace the traditional workers compensation and enhance the benefits by providing 24/7 coverage to "key" members of a company. Our program not only enables people to get coverage on and off the job, but it also reduces turnover, increases employee loyalty, increases profits and creates an overall safer workplace.
Traditional Workers Comp
Coverage For Your Employees
Your corporation may have employees that have not been recognized as shareholders; whether this is because they are part-time, new hires, or not "key" players in the organization. ConAPA can accommodate these employees until they make the transition to shareholder or simply remain non-shareholder employees. These employees will be covered with workers compensation, coverage only while on the job, through one of our affiliate carriers.
Corporate Formation
One of the most important business decisions you can make is to become a corporation. The benefits of incorporating are:
- Limited Liability: Incorporating your business limits personal liability for business debt and court judgment.
- Lower Income Taxes: Splitting business income between employee-owners and corporation can reduce taxes.
- No Double Taxation:Electing S-Corp status allows corporate profits to pass through to shareholders as ordinary income, avoiding double taxation.
- Better Employees:Stock incentives improve employee loyalty, motivation and work quality. Employee owners can participate in corporate sponsored benefits programs:
- Medical Insurance Coverage
- Stock-option and Stock Bonus Plans
- Pension Plans
Furthermore, to take advantage of the ConAPA program, you must be a corporation, which allows "key" employees to become shareholders and officers. Our preferred attorneys can help you incorporate your business within 7-10 days. At this point, all shareholders will be exempt from worker compensation and be enrolled with the top insurance companies for life, disability, health, dental, vision, and chiropractic benefits 7 days and week, 24 hours a day.
General Liability
In today's litigious society, even small mishaps can result in large lawsuits. That's why general liability insurance is essential for most companies. General liability insurance policies protect the assets of a business when it is sued for something it did (or didn't do) to cause an injury or property damage. Under a general liability insurance policy, the insurance carrier is obligated to pay the legal costs of a business in a covered liability claim or lawsuit.
Supplemental Insurance
Dental Insurance is insurance designed to pay the costs associated with dental care. Dental insurance pays a portion of the bills from dentists, hospitals, and other providers of dental services. By doing so, dental insurance protects people from financial hardship caused by unexpected dental expenses.
Vision Insurance is a form of insurance that provides coverage for the services rendered by eye care professionals such as ophthalmologists and optometrists. There are many vision insurance companies. The typical vision insurance plan provides yearly coverage for eye examinations and partial or full coverage eyeglasses, sunglasses, and contact lenses, with or without copays, depending on the plan chosen.
Chiropractic Insurance covers practices that involve the manipulation and adjustment of the spine. Chiropractic services are performed by licensed practitioners who have graduated from their accredited colleges with clinical and academic training. There are typically no drugs or surgery used, although treatment utilizes procedures for diagnosis and therapy. This is combined with other therapies that may deal with nutritional issues, hot or cold treatments and exercise rehabilitation.
Commerical Auto
Commercial Auto Insurance can provide coverage for your individual or fleet of vehicles and drivers (for you and qualified employees) against injury, loss or damage to vehicles or cargo, plus damage to other property.
Commercial Auto Insurance policies generally offer convenient, unified billing, and a range of optional coverage's to meet your company's needs and vehicle characteristics.
- Coverage on your company's vehicles, whether just one, or an entire fleet
- Protection for your business against potentially devastating liability costs resulting from an accident involving your vehicles
- Quality coverage providing protection tailored to your needs
- Competitive Rates
- Low Downpayments
- Flexible Billing
- Convenient Installment Payments
- Superior Customer Service
- Excellent Claims Service
Bonding
ConAPA can also provide their members with bonding. All contractors are required to post a contractor's license bond to obtain and keep their license. There is a three-way agreement between a surety company, a contractor and the project owner. If the contractor does not fulfill the obligations of the contract, the surety party to the agreement assumes the responsibilities of the contractor and ensures that the project is completed.
In addition all responsible managing employees (RME) and some responsible managing officers (RMO) are also required to post a bond. This bond is for the benefit of the public to compensate them for actual damages if the contractor does not adhere to the Contractor's License Laws.
Employee Leasing
One of our affiliates is a temporary labor service that can provide tradesmen and unskilled laborers in most heavy industrial and construction fields. There are many benefits to utilizing a staffing company for your personnel needs. Some of the many advantages include:
- Eliminate time consuming interviews & telephone calls.
- Eliminate expensive recruitment ads.
- Enlarge your staff quickly for seasonal surges without the headaches.
- Eliminate lost productivity from high turn over positions. We can provide non-skilled employees with just two hours notice.
- Eliminate paid sick days, vacation time and benefit package costs.
- Allow them to cover the worker's compensation, liability and unemployment insurance as well as pay all wages including state and federal taxes.
- Allow them to handle the employer responsibilities such as reporting new employees to the state, garnishments, unemployment claims DE6's, DE88's, DE7's, 940's and 941's.
- Find and Test your new employees through their service prior to adding them onto your payroll, to avoid wrongful termination suits, unemployment claims and insurance increases.
If you find one of our affiliates' employees to be less than satisfactory for any reason (and you set the standard), just let us know within the first two hours of the start time. You may have the employee replaced and you will not be billed for the unsatisfactory work.
Payroll
E-chx, Inc. - Accurate, Effective, and Affordable Payroll Solution
Do your hired employees spend too much time on payroll? Are you tired of dealing with the hassle of processing payroll yourself? Now you can spend less to get the job done faster, cheaper, and more efficiently by outsourcing your payroll. ConAPA has established a payroll department which is headed by E-chx, Inc. The premier small business payroll outsourcing company, E-chx delivers tailored payroll solutions designed to meet the individual needs of every client. From complete payroll tax preparation and administration, to services like real-time internet payroll reporting, direct deposit, employee homepages, and specific reports for CPAs. With dedicated payroll support and user-friendly tools to simplify the process of managing payroll, we help your small business grow by letting you focus on what you do best. While you focus on running your business, E-chx focuses on your payroll and associated tax compliance. E-chx provides hassle-free payroll outsourcing solutions for any size business. These services are available to you:
- 2 hour call-back guarantee
- Simple reports that anyone can understand
- Employee Home Page (lets employees view their pay history through the web)
- Industry veterans in service and sales
- G/L Interface built for auto import to QuickBooks
- Very competitive pricing: 10% guarantee savings to any national company.
View a host of sample payroll products and services
Safety
Aspen Risk Management and The Pacific Safety Council
ConAPA has partnered with Aspen Risk Management Group, one of the top safety providers in the country to help ConAPA Members and business owners far exceed the minimum safety compliance standards set by state law and OSHA. In addition to helping ConAPA Members meet regulatory guidelines, we have a track record of helping to dramatically cut the incidence of injuries, minimize workplace hazards, and lower overall insurance costs.
How it Works:
ConAPA Members enjoy exceptional benefits! Working together, your employee-owned business will maintain a profitable, rewarding, and safe work environment. ConAPA provides a set of core safety and risk services - available to every Member:
- Free 2-hour Safety Program Orientation & Safety Updates
- Free Annual safety workshop refresher
- Comprehensive Safety Binder and all Safety Material on CD
- Company safety procedures
- Workplace Safety Program(s)
- Injury and Illness Prevention Program (IIPP)
- OSHA inspection information
- A-Z Safety "Tailgate" meeting topics & "how to"
- 24/7 toll-free safety & risk hotline with unlimited access
- Website resources for ConAPA Members only
- Membership to the Pacific Safety Council, which includes access to over 400 safety videos, discounted safety training through the Pacific Safety Council and monthly electronic safety newsletters
- Copy of the book entitled " Workplace Safety, a Guide for Small and Midsized Companies"
Financing
Mountain West Premium Financing
Mountain West Premium Finance works to provide customized insurance premium finance services.
- Over a decade of experience in providing top quality service in the premium finance industry
- Extremely competitive interest rates
- Customized software and/or internet quoting available
- Immediate funding after a finance agreement is processed
- Immediate response to fax and/or phone quotation requests
- Your agency can earn up to 3% commission on financing
- The highest level of flexibility available
- Cancellation Prevention Program (CPP)
- Hours of operation - 7:30am to 6:00pm Monday-Friday (PST)
Financial Planning
Preparing for the future is an essential business strategy. Business owners and shareholders should be educated about their present and future financial situations and how to effectively reach their goals. Below is a diagram illustrating how money management through the ConAPA program increases business and personal growth. This is achieved by off-setting workers compensation premiums with ConAPA's comprehensive benefits and investing the savings in revenue generating assets.
Sample of Financial Gain:
The graphs show how $165,000 annually in workers' comp cost and be redistributed with ConAPA's assistance to give you increased business success.
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