AIR - Asheville  
"Ala Minute" Insurance  

Trout Insurance is happy to offer employees of  AIR member restaurant supplemental insurance coverage.  

These policies offer expanded protection beyond regular health insurance and the benefits are paid directly to you.​

"Ala Minute" Benefits Available ​
 -  Colonial Life 
  • Accident Coverage with all riders available 
  • Term life, Whole Life, Universal Life Coverage 
  • Cancer Coverage
  • Critical Illness Coverage
  • Medical Bridge Coverage

These plans would be " direct pay "  by the employee.

No payroll deduction by the restaurant itself required.  

The premiums for this insurance are the same as if payroll deduction.  We can offer this option if 10 or more employees of the restaurant where they are employed chose to take a  plan. 

Individual payment by employees is available  via bank draft, quarterly, semi-annual or annual pay. Coverage is available on employee spouse and children.  All plans are 
portable at the same rate if the employee  leaves employment.​

HealthCare 2016

Enroll & Renew in just 5 Minutes
Our Express Lane Enrollment  will allow you to review all the plans offered in your area and preview your 2016 premium discount tax credit.  We will enroll or renew your coverage thru our new software with ACA Express in just minutes.

HealthCare 2016 Checklist

Please complete the CHECKLIST and submit to us.  This will help us evaluate how you use health care and especially your doctors;  checking if they are ' In-Network' so we may choose the most effective plan.
Prior to the last 16 years as an insurance broker,  Dave Trout was a 25 year veteran of the restaurant and hotel business. Starting his career in Tampa, Fl, Dave trained as a classical European chef working Andre Touboul, now at the Cordon Bleu Culinary Institute. Dave has worked in mid size restaurants in Florida and Georgia; Executive chef at Saddlebrook Resort, Hilton, Sheraton and resort hotels. A restaurant owner himself for a time, locally Dave worked with Biltmore Farms at the old Criterion Grill, The Savoy and with Fine Friends which evolved into M7 Events.  Dave worked with forefather of AIR --  the Culinary Showcase, co chairing the event for it's last four years.  He has lived your life for years and understands the needs and values of folks in hospitality.