The Burnham & Flower Insurance Group was founded in 1966 by Homer J. Flower and the late Duane F. Burnham. The company was established primarily to provide retirement programs to Michigan Township Officials and Employees.

Since then, evolving from one agency into six separate corporations, and serving over 2,600 municipalities in Michigan, Ohio, Indiana & Illinois, Burnham & Flower has grown to be one of the largest municipal insurance organizations in the Midwest. We pride ourselves on public entity insurance being our expertise.

Building our broker network through our Broker/Partnership Program is one of our key corporate objectives. The municipal insurance market is one that is lucrative and offers a high level of prominence and influence within your community. As a local independent agent, you have insight and knowledge of the local market. We bring security, market expertise and access to a variety of specialized products and services that comes with over 35 years experience insuring public entities. By partnering together, we can offer your local public entity a program that is unmatched in quality, service and professionalism.

What follows is a brief overview of the products we offer in the states we serve.

To learn more about the products and services we offer or our Broker/Partnership Program and how we can help you write your local public entity business, call 800.748.0554 or click on the link above (request information) to send email. Please indicate the product(s) / services (including our Broker/Partnership Program) you are interested in, your organization's name, your name and title, phone number, city, state and zip code. A Burnham & Flower Representative will contact you within one business day.

MICHIGAN PUBLIC SECTOR SERVICES

Michigan Townships Association Endorsed Products:

Group Pension Program
Offered through John Hancock Insurance Company - www.jhancock.com

Deferred Compensation Program
Offered Through ING - www.ing-usa.com

Group Life Insurance Program
Offered Through American United Life - www.employeebenefits.aul.com

Volunteer Firefighter Accident and Sickness Program
Offered Through Provident - www.providentbenefits.com

Short/Long Term Disability (STD/LTD)
Offered Through UNUM - www.unum.com

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Other Michigan Public Entity Services:

Property & Liability Insurance
Offered Through
The Michigan Township Participating Plan (PAR Plan) - www.theparplan.com
The Alliance - www.municipalalliance.com
Travelers - www.travelers.com
The Hartford - www.thehartford.com

Workers Compensation Insurance
Offered Through
The Accident Fund - www.accidentfund.com

Public Officials Bonds
Offered Through
The Hartford - www.thehartford.com

Group Accident Insurance
Offered Through
American United Life - www.employeebenefits.aul.com

Health/Hospitalization Insurance
Offered Through
Blue Cross/Blue Shield of Michigan - www.bcbsm.com

Dental Insurance
Offered Through
Blue Cross/Blue Shield of Michigan - www.bcbsm.com/members/pg.shtml
Delta Dental - www.deltadentalmi.com/products/index.html

Vision Insurance
Offered Through
Blue Cross/Blue Shield of Michigan - www.bcbsm.com/members/pg.shtml
Vision Service Plan (VSP) - www.vsp.com/guests/htmls/guest_home.jsp

Long Term Care
Offered Through
UNUM - www.unum.com

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OHIO PUBLIC SECTOR SERVICES

Ohio Township Association Endorsed Products
OTARMA-Ohio Township Association Risk Management Authority
(Property & Liability Coverage Administered by: American Risk Pooling Consultants (ARPCO) - www.otarma.org

OTAHP-Ohio Township Association Health Program
Offered Through
Medical Mutual Insurance Company - www.mmoh.com e-Quote Kit

Group Life Insurance
Offered Through
American United Life- www.employeebenefits.aul.com
Fort Dearborn Life Insurance – www.fdl-life.com

Group Accident Insurance
Offered Through
American United Life- www.employeebenefits.aul.com

Volunteer Firefighter Accident and Sickness Program
Offered Through
Provident - www.providentbenefits.com

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Other Ohio Public Entity Services:

PEP-Public Entities Pool of Ohio (Property & Liability Coverage)
Administered by: American Risk Pooling Consultants (ARPCO) - www.pepohio.org

Group Health Insurance
Offered Through
Anthem Insurance - www.anthem.com
United Health Care - www.uhc.com
Medical Mutual of Ohio - www.medhealthinsurance.com/medicalmutual.htm

Dental Insurance
Offered Through
Delta Dental - www.deltadentaloh.com/products/index.html

Vision Insurance
Offered Through
Vision Service Plan (VSP) - www.vsp.com/guests/htmls/guest_home.jsp

Long Term Care Insurance (LTC)
Offered Through UNUM - www.unum.com

Critical Illness Insurance
Offered Through
American Community Insurance - www.american-community.com
Aflac - www.aflac.com

Public Officials Bonds
Offered Through
The Hartford - www.thehartford.com

Short/Long Term Disability (STD/LTD)
Offered Through
UNUM - www.unum.com
Woodmen Accident & Life - www.walco.com

Individual Medicare Supplements
Offered Through
Anthem - www.anthem.com
Golden Rule - www.goldenrule.com

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INDIANA PUBLIC SECTOR SERVICES

Property & Liability Insurance
Offered Through
Travelers - www.travelers.com
HCC - www.hcc.com

Workers Compensation Insurance
Offered Through
Indiana Public Entities Pool (IPEP)

Public Officials Bonds
Offered Through
The Hartford - www.thehartford.com

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ILLINOIS PUBLIC SECTOR SERVICES

Illinois Association of Park Districts (IAPD) Endorsed Product

Illinois Parks Association Risk Services (IPARKS)
(Property & Liability Coverage)
Administered by: American Risk Pooling Consultants - www.iparks.org

Other Illinois Public Entity Services:

Property & Liability Insurance
Offered Through
Travelers - www.travelers.com
HCC - www.hcc.com

Public Officials Bonds
Offered Through
The Hartford - www.thehartford.com

Notary Bonds
Offered Through
Western Surety - www.westernsurety.com

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