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Effective 6/1/2021

HRA is now offering membership into Breeden Benefit Group's

Felonious Assault Program

All HRA Members are automatically enrolled to receive this amazing benefit*

Statistically, there are over 35,000 convenience store robberies each year. Store owners face the horrible reality of a store employee being injured or killed. Workers’ Compensation pays expenses such as medical for injuries and a percentage of salary if an employee is killed. In most cases, Workers’ Compensation is not enough!!

HRA along with Breeden Benefit Group have created a Felonious Assault Program. The program will cover owners and employees. If death occurs during a Felonious Assault, the plan will pay the family $400,000. If an injury occurs during a Felonious Assault, the plan will pay $2,500 per month while in the hospital and $385 weekly while recovering.

This program was created for convenience store associations throughout the United States. Over $18,000,000 in financial relief has been paid to families. A family member cannot be replaced, however $400,000 will assist with future expenses.

Benefits to HRA Members

  • Felonious Assault Death: $400,000 (directed at member's business, property or while he/she is acting on behalf of the business)
  • Hospital Daily Benefit: $2,500 monthly (2 day minimum, Monthly benefit will be paid retroactive to the first day of confinement)
  • Weekly Disability: $385 weekly (7 day waiting period, maximum 26 weeks as long as the insured remains disabled due to injury)
  • Bereavement & Trauma: $150 per session (10 sessions within one year of the date of the incident)
  • Wheelchair Confinement: Up to $50,000 (for expenses incurred within one year of the date of incident)

FAQ's

How much is the premium?

  • $50 per quarter = $16.67 per month - lowest among all trade associations!

Is there a limit on how many employees are covered?

  • No, All part time and full time employees are covered (no cash employees). $400,000 coverage per employee with a per incident limit of $800,000. Example: If three employees are killed, the $800,000 would be divided by three.

How do I pay?

  • Premiums will be deducted through your rebate checks. You may set up a bank draft through Breeden Benefit Group.

When is this insurance effective?

  • June 1, 2021

Rate guarantee?

  • Yes, $15.25 is guaranteed not to change for two years. May 1, 2021 - April 30, 2023.

*May I opt my store out?

When does my Felonious Assault Policy end?

  • When you are no longer a member of Horizon. The policy will terminate at the end of the quarter.

What is my next step for opting in?

  • Do nothing. The premium will be subtracted from your quarterly rebate check.

If I missed the announcement, would I receive a refund if I want to opt my store out?

  • Yes. 100% refund during the 1st year.

Will I receive a Certificate of Coverage for my store?

  • Yes.

Will the owner/employee be covered if a felonious assault occurs while they are completing company business such as driving to deposit money at the bank?

  • Yes.

Have claims been paid?

  • Yes. This National Program membership has steadily grown. Over $18,000,000 in financial relief has been paid to families that have suffered from losing a loved one. A family member cannot be replaced, however $350,000 will assist in future expenses.

Who do I contact for questions?

Wellcard Savings Plan

In addition to the above coverages, HRA members can also get access to the Wellcard Savings plan separately.

Learn more at wellcardsavings.com

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Get more Information

Interested in saving money but would like more information?

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