12 South Third Street
Clearfield, Pennsylvania 16830
Phone: (800) 326-9635

Times are tough and you need all the advantages you can get. Helmbold & Stewart has a great team of insurance professionals, with diversified backgrounds and years of experience.

We apply a professional approach to your comprehensive, but essential, commercial insurance program. We customize policies to protect your physical assets, your liability exposures and your employees and their well-being.

Helmbold & Stewart Group is proud to be a strategic business partner of Unified Employer Solutions, formed to take the business of Risk management one step further. UES wants to help you reach your business goals while controlling your highest costs!	Preventing Loss.  Improving Profit.   www.uespros.com PHONE: 814-765-0199 TOLL FREE: 877-765-0199
How do the pieces fit together?
Human Resources Good employee relationships Good communication Hiring the right employees Access to the right HR Tools Employee handbooks FMLA, ADA compliance Policy development and interpretation	Employee Benefits The right health insurance plan to maximize discounts HRA, HSA, FSA, and options to reduce costs HIPAA, COBRA compliance Choosing the right Health Plan Administrator Educating employees to be smart healthcare consumers to improve use of the health insurance plan
Workers Compensation Injury management process that takes control Safety committees, incentives Experience Mod management and verification Audit Check program The right insurance carrier and rating plan Return to work -Transitional Duty programs Employee morale Accident repeater program Dedicated Claims Manager	Offering a full range of safety and industrial hygiene services conducted by qualified personnel with high standards of performance and professionalism. Click here to find out more...
Health & Wellness Healthy employees have less accidents Improve the utilization of the health insurance Preventing accidents, on or off the job Promoting healthy lifestyles Workplace wellness programs HIPAA compliance	Workplace Safety & Industrial Services Creating the safety culture Preventing accidents Keeping employees alert and fit for the job OSHA compliance Keeping employees healthy through hearing conservation, air quality and drug testing Motivational safety talks Safety program analysis and development
In-house claims management... Our job is to see that your claim is handled quickly and fairly and that you are never out of the loop. Practices and procedures vary somewhat depending on the type of insurance and the insurance company, but you let us worry about that. In most cases we can let you know well in advance what to expect and will be able to make sure that everything is on track. If you ever need us we're just a phone call away.