NRHA Insurance Programs (IN-KY-TN)

• NRHA Business Insurance
• NRHA Group Health Insurance

NRHA Business Insurance 
Coverage Highlights
The NRHA Business Insurance Program provides a wide array of coverages to meet the insurance needs of IN-KY-TN Region members. The property and liability program will provide building, contents, loss of income and liability coverages for the retailers at discounted group rates. Average rate discounts will vary by state. Coverages available will include:

• Package
     Property
  • Buildings
  • Contents
  • Loss of Income
     Liability
  • $1,000,000 Limit
• Business Automobile
• Workers Compensation
• Equipment Floater
• Umbrella Liability

Specially designed coverages for Hardware Stores have been included such as "Pollution Cleanup", "Sewer and Drain Backup", and "100% Peak Season" coverage. In addition, Flood and earthquake coverages are automatically included with a $25,000 limit with higher limits available.

The NRHA Business Insurance Program will respond to all your Property, Liability, Automobile, Workers Compensation, and Umbrella Liability needs under the broadest terms. In addition, premiums may be paid in monthly installments.

NRHA Group Health Insurance 
The Group Health Insurance Program provides essential life and health benefits to the owner and employees at competitive group rates. This protection offers the advantage of a life insurance program that provides security to employees and their families, and valuable coverage for medical expenses.

Plan Design Options:

1. Idemnity Medical Plan
2. Preferred Provider Organization (PPO)
3. Preferred Hospital Network
4. Scheduled Network