Full Service Now Represents Encompass Insurance

Encompass Insurance: A Simple Approach to Protection
Encompass…we've created protection around you.
Encompass may not be a household name, but we've been around for a long time. We work with more than 3,200 independent insurance agents who deliver quality products and services that can fit your needs. A few facts to get to know us better:

  • A national company with a local focus, serving more than 1.3 million customers
  • 1,750 employees dedicated to help meet your insurance needs
  • An all-time-high overall claims customer satisfaction rating, 95.6%*
    *Source: Encompass Customer Satisfaction and Loyalty tracking Survey, July 2009

Encompass gives you an advantage.
 Encompass delivers unique products and services designed to make your life simpler.

  • Innovative coverage options
  • Money saving discounts
  • Enhanced accident forgiveness
  • Safe driving bonus
  • Responsive, hassle-free claim service
  • Broader replacement coverage – replacement value is provided for your home whether or damage is repaired or replaced
  • Competitive, stable pricng
  • Locked-in rates for at least one full year
  • Guaranteed quality repairs if you choose one of our recommended vendors
  • Easy Pay options
    When it comes to insurance protection, we've thought through all the details…so you don't have to.
    Encompass is committed to claims and customer service excellence.
  • Prompt, fair a

    nd consistent claim service

  • 24/7/365 claim reporting capability and adjuster escalation
  • Vendor referral program for vehicle repairs and other services
  • Market Leader in catastrophe response and recovery

Simplify your life with our Universal Security Policy.
Over time, you've probably accumulated valuable assets – and you want to protect them. Encompass offers protection that can insure everything from your home to your car, recreational vehicle, boat and more under one policy. Our Universal Security Policy lets you combine your coverage needs, making your insurance experience simpler. You benefit by having: One policy, One insurance agent, One premium, One bill, One renewal date. Simple.
We stand behind our pledge of performance.
Encompass carries the Trusted Choice® designation by the Independent Insurance Agencies and Brokers of America. This designation means that we are:

  • Committed to treating you as a person – not a policy
  • Dedicated to proving you with excellent customer service
  • Committed to guiding you through the claims process

Make Encompass your insurance company.

Encompass is sold by independent agents who have the freedom to recommend a variety of insurance products and companies. We strive to provide more reasons to choose Encompass, including:

  • Simpler insurance experience
  • Innovative coverage options
  • Responsive, hassle-free claim service
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White House near accord on health care bill

The White House and congressional leaders are preparing a detailed health care proposal designed to win passage without Republican support if GOP lawmakers fail to embrace bipartisan compromises at President Barack Obama's summit next week.

A senior White House official said Thursday that Democratic negotiators are resolving final differences in House and Senate health bills that passed last year with virtually no Republican help. The White House plans to post the proposals online by Monday morning, three days ahead of the Feb. 25 summit, which GOP leaders are approaching warily.

The comments signal that Obama and Congress' Democratic leaders still plan to use assertive and sometimes controversial parliamentary powers to enact a far-reaching health care bill if no GOP lawmakers get on board. Republicans and conservative activists have denounced such a strategy, and it's unclear whether enough House and Senate Democrats would back it. Both parties have used the strategy, known as reconciliation, in the past.

Obama says he is open to Republican ideas for changing the health care legislation. But many Democrats seriously doubt GOP leaders will support compromises that could draw enough lawmakers from both parties to create a bipartisan majority.

The negotiations, led by Democratic leaders with White House input, are meant to determine what changes must be made to the Senate-passed bill for House Democrats to accept it, the administration official said. The goal is to craft a reconciled measure that Senate Democrats can pass, under rules barring GOP filibusters, unless Republicans offer acceptable changes at next week's summit.

Democrats lost their abil

buy research paper

ity to block filibusters when Massachusetts Republican Scott Brown won a Senate seat last month.

The White House official spoke on the condition of anonymity to discuss private negotiations.

Health and Human Services Secretary Kathleen Sebelius said Thursday that Obama plans to have a health care proposal that “will take some of the best ideas and put them into a framework” ahead of the Feb. 25 summit.

House Democrats insist on several changes to the bill the Senate passed on Christmas Eve. They include reducing or eliminating a proposed tax on generous employer-provider health plans, and eliminating a Medicaid subsidy aimed only at Nebraska.

Overall, the Democratic plans would provide health insurance to more than 30 million people now uninsured and end the industry practice of denying coverage to those with medical problems. Most Americans would be required to carry health coverage, with new government subsidies available to reduce the cost for many.

The main beneficiaries would be small businesses and people who now buy their own insurance. They now have few choices, and premium prices can spike unpredictably from year to year.

Under the Democrats' legislation, they would be able to pick a plan in a new insurance marketplace offering a range of choices similar to those available to federal employees.

The cost of the legislation — about $1 trillion over 10 years — would be paid for through Medicare cuts and a series of tax increases. In the short run, the nation would spend more on health care under the Democratic plans, since newly covered people would be able to get care they had previously put off. Over time, however, the rate of increase in medical costs would begin to slow.

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1 1/3 cups salted macadamia nuts

1 cup (1/2 lb. butter)

1 ¼ cups sugar

1 large egg

1 teaspoon vanilla

2 ½ cups all-purpose flour

1 teaspoon baking soda

Chop 1 cup of nuts; set aside.  With electric mixer, beat butter And 1 cup sugar until fluffy.  Add egg and vanilla.  Beat until Well combined.  In another bowl, stir together flour, baking Soda, and chopped nuts.  Add to butter mix

ture, stir together, Then beat to blend thoroughly.  Shape dough into 2 teaspoon Size balls.  Place balls 1 inch apart on ungreased baking sheet. With a flat bottom glass dipped in remaining sugar, press balls ¼ inch thick.  Press a whole nut or a chunk of nut into center of Each cookie. Bake in a 350 degrees oven until cookies are Golden brown, about 12 minutes.  Transfer to racks to cool.