Associate Member Focus: Powderhorn Agency

CEMA associate member, the Powderhorn Agency in Brookfield, CT, offers a wide variety of consumer programs which can be offered and sold through fuel retailers.

ProGuard offers residential oil heat customers protection for underground and aboveground oil storage tanks and lines. Their program for ASTs/USTs offers environmental cleanup limits of $50,000/$100,000 for AST/UST spills respectively; up to $1500 for pro-active tank replacement, and AST/UST deductibles of $500/$2500 respectively. Oil lines are covered. These limits apply to tanks outside New York. For details, please see here.

Pro-Sept is their septic tank program. The Pro-Sept Septic System Protection Plan covers repairs or replacement up to $25,000. Minor repairs are subject to a $500 deductible. A $2,500 deductible applies for repair or replacement of the leaching system. Up to $2,500 sublimit applies for repairs or replacement of the septic tank. Other terms and exclusions apply – please see here for details.

Septic Errors & Omissions Coverage: Powderhorn's errors and omissions program is underwritten by an A.M. Best rated "A (Excellent)" insurance provider. Designed for septic designers and inspectors, the errors and omissions product fills a void in the industry by offering affordable coverage with multiple limit options. Program Highlights Include: Limits of $250,000, $500,000 and $1,000,000 available. Defense Costs outside of the limits — and more: please see here for additional information.

Appliance Protection Plan: ProGuard Plus is an appliance service plan, that can, among others, provide up to $1500 in repairs of major appliances such as refrigerators and dishwashers, with a nominal deductible. For more information, please see here.

Again, some of these programs can be sold by fuel retailers to homeowners, as applicable, as an additional profit center and as a way to retain customers by offering them diversified services.