The Burnham & Flower Insurance Group was founded in 1966 by Homer J. Flower and 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.

What follows is a brief overview of the products we offer in the states we serve. We pride ourselves on public entity insurance being our expertise. To learn how we can help your public entity, please send e-mail or call 1.800.748.0554.

To request a no-obligation quote for any of the products listed, please click on the link above (request a quote) to send email. Please indicate the product(s) you are interested in, your public entity'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

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

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

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

Volunteer Firefighter Sickness and Accident 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
Medical Mutual Insurance Company - www.mmoh.com
American Community - www.american-community.com
Anthem Insurance - www.anthem.com
United Health Care - www.uhc.com

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

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

Workers Compensation Insurance
Indiana Public Entities Pool (IPEP)

Public Officials Bonds
Offered Through
AmWins - www.amwins.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

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

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

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