BAR ASSOCIATIONS INSURANCE AGENCY

BAR ASSOCIATIONS INSURANCE AGENCY, INC.
FRANKLIN/ MORRIS ASSOCIATES, LLC • Coordinating Broker

The Bar Associations Agency, Inc. is the marketing arm of the Bar Associations Insurance Trust of 1990
and a joint venture of the Maryland State Bar Association and the Bar Association of Baltimore City.

Providing excellence and value in insurance and benefits services, selected and
endorsed by your Bar Associations— for you, for your family, for your practice.

MARYLAND STATE BAR ASSOCIATION AND
BAR ASSOCIATION OF BALTIMORE CITY

MEMBER INSURANCE BENEFITS AT A GLANCE

PRODUCT	CARRIER	MEMBER ADVANTAGE	FOR DETAILS
Disability Income Insurance	MassMutual	10% Premium discount Non-cancelable, guaranteed level premiums to age 65	Franklin/ Morris Associates, LLC 410-539-2320 or baragency@franklinmorris.Com
Disability Income Insurance	Guardian	10% Premium discount Non-cancelable, guaranteed level premiums to age 65	Franklin/ Morris Associates, LLC. 410-539-2320 or baragency@franklinmorris.Com
Business Overhead Expense Insurance	MassMutual	10% Premium discount	Franklin/ Morris Associates, LLC. 410-539-2320 or baragency@franklinmorris.Com
Group Life, Long-term and Short-term Disability Income Insurance	Standard Insurance Company	Premium discounts Guaranteed issue for groups of 2 or more	Franklin/ Morris Associates, LLC. 410-539-2320 or baragency@franklinmorris.Com
RetireGuard ^SM Disability Income Insurance Protection for Retirement Savings (Profit Sharing Plans, 401( k) Plans, IRA’s)	MassMutual	10% Premium discount Non-cancelable, guaranteed level premiums to age 65	Franklin/ Morris Associates, LLC. 410-539-2320 or baragency@franklinmorris.com
Term Life Insurance Accidental Death and Dismemberment (rider option)	ReliaStar	Group rates, volume discounts available to members, their spouses, children and employees	Bertholon-Rowland Corporation 1-800-727-2525
Group and Individual Dental Plans	DentaQuest	Premium discount No deductibles, maximums or claim forms	DentaQuest 1-800-879-0288

Long Term Care Insurance	MassMutual	Up to 15% Premium discount available to members, spouses, parents, and parents- in law⁽¹⁾	Franklin/ Morris Associates, LLC 410-539- 2320 or baragency@franklinmorris.com
Long Term Care Insurance	UNUM	5% Premium discount available to members, spouses, parents, and parents-in law⁽²⁾	Franklin/ Morris Associates, LLC 410-539-2320 or baragency@franklinmorris.com
Long Term Care Insurance	CNA	10% Premium discount available to members, spouses, parents and parents-in-law ⁽³⁾	Franklin/ Morris Associates, LLC 410-539-2320 or baragency@franklinmorris.com
Lawyers Professional Liability Insurance	CNA Chubb Executive Risk Kemper Legal Mutual St. Paul	Optimal combination of carrier and premium based on firm’s areas of practice, loss experience and management oversight	Mason & Carter, Inc. 410-539-6767 or chcarter@masoncarter.com
General Insurance Businessowners (Property and General Liability) Business Automobile Workers Compensation Court and Estate Bonds	CNA Chubb Fidelity & Deposit St. Paul Zurich	Customized coverage, optimal combination of carrier and premium based on analysis of firm’s property/ casualty exposures	Mason & Carter, Inc. 410-539-6767 or chcarter@masoncarter.com
SERVICE	DESCRIPTION	MEMBER ADVANTAGE	FOR DETAILS
Insurance and Benefit Consulting Services	Review and analysis of insurance products for benefit programs, estate planning and personal needs	Objective analysis of marketplace, on fee for service basis. Due care exercised in selection of consultant	Franklin/ Morris Consulting Services, Inc. 410-539-2320 or baragency@franklinmorris.com
General Brokerage Services	Negotiation and implementation of insurance and benefit programs for members and their firms.	Due care exercised in selection of experienced, professional broker	Franklin/ Morris Associates, LLC 410-539-2320 or baragency@franklinmorris.com

⁽¹⁾Additional discounts available, e. g., preferred health and spousal discounts.
⁽²⁾Additional discounts available, e. g., preferred health and spousal discounts. Maximum discount 30% per policy.
⁽³⁾Additional discounts available, e. g., preferred health and spousal discounts. Maximum discount 35% per policy.

THE BAR ASSOCIATIONS INSURANCE AGENCY, INC. analyzes and endorses insurance programs to ensure Bar members access to high quality insurance products they can purchase with confidence at discounted rates. In keeping with this goal, the Agency selected Franklin/ Morris Associates, LLC as exclusive coordinating broker to provide insurance services for members through the Agency.

The Agency, through Franklin/ Morris Associates, LLC, endorses a carefully selected group of financially secure and reputable insurance companies that offer you and your practice excellent coverage at competitive prices. Doing business with the Agency gives you the insurance coverage you need and provides financial support to your Bar Associations.

PROVIDING EXCELLENCE AND VALUE
IN INSURANCE AND BENEFIT SERVICES

Life insurance
Disability income insurance
Business overhead expense insurance
Group life insurance
Group long-term and short-term disability insurance

Group and individual dental plans
Individual and employer-sponsored long term care insurance
Lawyers professional liability insurance
General business owners insurance

Established in 1976, FRANKLIN/ MORRIS ASSOCIATES, LLC has a long tradition of working with attorneys and their firms and is a highly regarded insurance and employee benefit firm. Their commitment is to secure and maintain the highest standard of excellence in all that they do and to establish a relationship of trust with each of their clients.

For assistance in your insurance and benefit planning needs
or to obtain further information, please contact:

BAR ASSOCIATIONS INSURANCE AGENCY, INC.
FRANKLIN/ MORRIS ASSOCIATES, LLC • Coordinating Broker

One North Charles Street • Suite 2400 • Baltimore, Maryland 21201
(410) 539-2320 • baragency@franklinmorris.com • Fax: (410) 539-0456