Voluntary Insurance Programs
The BCSI Commercial Division offers voluntary purchase insurance programs that are an important benefit to employees or members of sponsoring organizations, which can include employers, schools, financial institutions and associations.

We offer, through approved broker administrators, a variety of voluntary insurance programs, including:
Accident Medical, Student Accident Insurance
Group Life
Group AD&D

Plus, various forms of
Indemnity Medical
Group Dental

Product Descriptions Accident Medical, Student Accident Insurance BCSI underwrites a wide variety of mandatory and voluntary participation student accident insurance programs. We also write special risk coverages including accident medical coverage required of groups using school or park facilities. For these programs, we partner with highly reputable broker/administrators. For more information about our student accident insurance, contact us at 952.513.1393.

Limited Benefit Programs for Hourly Workers
We underwrite and have created programs which are tailored for hourly and part-time employees--who historically, have not been offered benefits. The benefit package includes limited medical and dental as well as term life insurance, short-term disability and vision care. For more information, contact us at 952.513.1393.

Life, AD&D, Weekly Income and Dental Programs
We welcome the opportunity to discuss and review employer and affinity group-sponsored programs of term life insurance, various forms of AD&D coverage, weekly income and group dental plans. Please contact us at 952.513.1393.

Commercial Division Philosophy The Commercial Division works with a select number of broker administrators nationwide in the voluntary purchase market. Our approach is unique within the industry, in that we audit and approve our broker administrators on the front end, rather than just appointing administrators.

We view the broker administrator as our business partner in performing administration as well as claim and customer service functions in accordance with our procedures. BCSI functions as the underwriter, reviewer and auditor to assure that the business is being administered in a professional, consistent and compliant manner. Our partners perform the marketing function to both group policyholders and to the individual insureds.

The Division is extremely selective in its approach to the voluntary insurance market. We look for partners with a solid track record of professional administration. In addition, these administrators also must have proven experience in merchandising insurance for sponsoring organizations.

The BCSI Commercial Division helps broker administrators and third party administrators solve business problems by being a creative underwriter. It offers more than underwriting-it offers a long-term relationship with professionals who provide options on a number of underwriting issues.

The administrators who choose to do business with the Division are interested in partnering with a firm that is reputable, reliable and a consistent underwriter.

What sets us apart from our competition is that we are highly selective in choosing only a handful of broker administrators with whom we wish to work. Working with a limited number of administrators provides the benefit of allowing us to truly know and understand our business partners. Ultimately, this leads to a more creative and productive approach to problem solving for our clients.

The Commercial Division succeeds primarily because it approaches its business like no one else. In addition to looking for a strong match in business philosophies and vision to make sure that our relationships are mutually beneficial and will have lasting stability, we offer depth of expertise in the industry from a seasoned, talented staff.

Because our team is experienced, we bring a deep understanding of underwriting practices to the table. This allows us to offer consistent and flexible services at a price that is fair for both parties involved. We sit on the same side of the table as our clients, with the shared goal of success.

We aim to keep costs reasonable, both for our customers and ourselves, by reducing unnecessary overhead and keeping our underwriting process efficient.

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