JD Fulwiler and Company Insurance

• Family business now led by second- and third-generation leadership.
• Consistently ranked as one of the top five independent insurance agencies by the Portland Business Journal.
• Staff of over sixty insurance professionals, with an average tenure of more than ten years.
• Focus on long-term relationships, personalized service and in-house claims support.

Service areas and licensing

• Headquartered in Portland, Oregon.
• Second office in Vancouver, Washington.
• Licensed in all fifty states and serves clients nationwide.

Office locations

Portland office 5727 S Macadam Ave Portland, OR 97239 Tel: 503.293.8325 Fax: 503.293.5418 Toll-free: 800.735.8325

Vancouver office 330 E Mill Plain Blvd., Ste 403 Vancouver, WA 98660

General email

info@jdfulwiler.com

Community involvement

JD Fulwiler started the "Chip In For Children" Charity Golf Tournament in 2012. Since then, the tournament has raised more than $205,000 for over 20 local nonprofits focused on youth in the Portland and Vancouver communities.

• Business insurance – Insurance solutions for a wide range of commercial clients, with departments dedicated to commercial lines and specialized industry programs.
• Individual insurance – Coverage options for individuals and families to help protect what is important to them.
• Employee benefits – Design and support of employee benefit plans for employers, including health benefits and related programs.
• Event insurance – Insurance solutions for special events.
• Court bonds – Surety bond solutions for probate, guardianship, conservatorship and litigation-related needs.

Specialized industry focus

JD Fulwiler has developed particular expertise in several industries, including:

• Entertainment and film
• Environmental contracting and consulting
• Financial institutions
• Hospitality
• Nonprofit corporations
• Property management
• Restaurants and bars
• Special events
• Transportation
• Wholesalers and distributors
• Wineries
• Work trucks (NTEA)
• Work trailers (NTDA)
• Court bonds and related services

The agency works with clients to understand their specific risks and match them with appropriate insurance and bond solutions.

The agency has been a go-to surety provider since 1988 and focuses on understanding court bonding and how it applies to various court cases. In-house underwriting allows many underwriting decisions to be made within the office, helping to provide quick turnaround times.

JD Fulwiler works with a variety of bonding companies and matches each bond need with an appropriate provider.

Types of court bond solutions

Court bond solutions include, but are not limited to:

• Attachment
• Claim and delivery
• Conservator
• Costs
• Fiduciary
• Guardian
• Indemnity to sheriff
• Injunction
• Lost securities
• Preliminary injunction
• Probate
• Receiver
• Release of lien
• Removal
• Replevin
• Temporary restraining order (TRO)
• Trustee

The agency can help advance or pre-approve a bond applicant before going to court. There is no cost or obligation for this part of the service, and it helps ensure the applicant is bondable ahead of time.

Court bonds contact

For court bond questions and applications, JD Fulwiler lists the following contact:

Court Bonds – Attn. Amanda Casteel 5727 S Macadam Ave. Portland, OR 97239 Email: acasteel@jdfulwiler.com Direct phone: 503.977.5701

Online and PDF application options are available for fiduciary and litigation-related bonds.

Flexible Spending Accounts (FSA)

Flexible Spending Accounts allow employees to use pre-tax dollars for eligible expenses such as medications, co-pays and deductibles.

Employer advantages

• FICA tax savings of 7.65% on every dollar the employee contributes to the plan
• Flexibility in budgeting for and controlling escalating benefit costs
• Flexibility in benefit choices
• Improved employee morale
• Competitive benefit plan that helps attract and retain employees

Employee advantages

• Tax savings from Federal, State and FICA
• Ability to budget for medical and child-care expenses
• Choice in selecting benefits
• Morale booster
• Use pre-tax dollars for out-of-pocket expenses they are already paying, such as daycare, insurance premiums, deductibles, co-pays and medications

Dependent Care FSA (DCFSA)

A Dependent Care FSA allows employees to pay dependent care expenses with pre-tax dollars. Married couples filing jointly and single filers may elect up to $5,000 annually pre-tax for dependent care, which can result in significant tax savings for both employee and employer.

Who is a qualifying dependent?

• A dependent under age 13 when care is provided and for whom the employee may claim a tax exemption
• A spouse who is physically or mentally challenged
• A dependent who is physically or mentally challenged and for whom the employee may claim an exemption (for example, an aging parent living with the employee)

Premium Only Plan (POP)

A Premium Only Plan allows an employee's share of eligible group insurance premiums to be deducted on a pre-tax basis, often used in conjunction with other plans such as an FSA.

Eligible premiums may include the employee portion of the employer's group health, dental, vision and disability insurance plans. POP plans can help reduce the impact of premium increases for both employer and employees.

JD Fulwiler assists employers in evaluating and implementing these flexible benefit options as part of a comprehensive employee benefits strategy.

Types of voluntary insurance plans

Individual voluntary plans can include:

• Short and long term disability coverage
• Accident coverage
• Dental coverage
• Term and whole life insurance
• Critical illness and cancer coverage
• Long term care coverage

JD Fulwiler works with employers to determine which voluntary insurance options best complement their existing employee benefits program.

Ask anyway — the agent will say plainly that it is not published rather than guess.