The Insurance Exchange, in conjunction with the American Society of Interior Designers, has developed an array of insurance products to protect ASID members. These coverages have been carefully designed to meet the unique needs of interior designers. ASID members gain exclusive access to the nation’s only insurance program tailored specifically for interior designers – offering the best product at an unmatchable price.
Business Owners Insurance
Our Business Owner’s Policy (BOP) for interior designers combines essential property & casualty coverage’s with general liability, providing affordable financial protection from a variety of risks, including accidents, property damage, and loss of income. Take advantage of:
A low $250 Deductible.
Very competitive premiums with renewal discounts.
Expand coverage to include Commercial Automobile, Commercial Umbrella, Workers’ Compensation, and Employment Practices Liability.
5% off your E&O premium when purchased through the same company
A Business Owner’s Policy does not provide the protection you need for Professional Liability, which stems from your work. An error in the materials used, failure to obtain a client’s consent to change the design or materials, or misconstrued advice could lead your client to take financial action against your business. Get Access to:
Discounted rates exclusively for ASID
Starting at $500
Contingent Bodily Injury coverage
Broad definition of what is covered, automatically includes limited architectural coverage
Automatic spouse, subsidiary and independent contractor coverage
Finding the right insurance is simple. The Insurance Exchange has partnered with EnhancedCareMD Smarter Choices to provide ASID members online resource for health insurance and healthcare services. EnhancedcareMD is an easy way to compare plans, estimate tax subsidies, and enroll in a plan that’s best for you and your family. By working with EnhancedcareMD you will receive a marketplace that has a support team that ensures extraordinary customer support and private exchange options.
EnhancedcareMD Smarter Choices Offers:
Health Insurance – Full service insurance marketplace to shop for the most affordable plans with our private exchange. Our health brokers assist in choosing a plan, providing a personal touch and peace of mind throughout the process.
Telemedicine – Call or Video Certified Board Physicians 24/7 for FREE (no Co-pay)
24/7 Nurse – Call or Chat Registered Nurses for the most appropriate level or care, resulting in a savings of both time and money and often avoiding a visit to the doctor, urgent care or ER entirely.
Medical Discounts – Network providers at Discount Rates, a Non-Insurance Solution
RX Savings – Exclusive Prescription Discounts
Alternative Medicine & Wellness – www.ecpathways.com is an interactive alternative health website to learn how to eat healthy, sleep better and manage stress with different techniques.
Protect your greatest asset – your ability to earn income! What if you were unable to work due to sickness or injury? How would you pay your bills? ASID’s disability insurance program, available exclusively to ASID members, offers the financial strength of Colonial Life, an industry leader in disability life insurance. Explore how low cost disability insurance policy can protect your income and give you peace of mind.
Cancer Indemnity Insurance – Maximum Difference Cancer insurance policy helps you focus on getting well instead of being distracted by the stress and costs of medical and personal bills. You will receive cash benefits directly, unless assigned-giving you the flexibility to help pay bills related to treatment like deductibles, copayments, and travel expenses. You can also help with everyday living expenses, such as car payments, mortgage or rent payments, child care, and utility bills.
Critical Care and Recovery – This benefit pays cash benefits directly to you, unless you choose otherwise. Critical Care and Recovery is designed to provide you with cash benefits if you experience a catastrophic event, such as a heart attack or stroke. This means that you will have added financial resources to help with expenses incurred due to a serious health event, to help with ongoing living expenses, or to help with any purpose you choose.
Accident Advantage Insurance – This benefit pays cash benefits for covered accidental injuries directly to you, unless assigned. Your own peace of mind and the assurance that your family will have help financially are powerful reasons to consider this benefit.
Protecting your family with life insurance is the cornerstone of any sound financial plan. ASID offers members a simple, low cost way to purchase term life insurance through our VOYA life insurance program. VOYA is a financial powerhouse with excellent ratings and financial strength. Getting approved is easy and rates are competitively priced exclusively for ASID.