September 2011

What to do After Car Accident

Five Steps to Take After an Accident If you’re ever in an accident, it’s easy to forget what to do right away. Follow these five steps to ensure the safety of you, your passengers and everyone else involved: 1. Call the Police. Even for small accidents, call 911. Police will help redirect traffic and document the incident. 2. Avoid Additional Damage. Move… Read More »What to do After Car Accident

Data Breach Coverage For Small Businesses

While data breaches at large companies continue to dominate the headlines, breaches involving smaller businesses are also on the rise. According to a 2011 report from Verizon Business of more than 760 data breaches analyzed in 2010, nearly two-thirds involved businesses with fewer than 100 employees. The Hartford has expanded its portfolio of cyber risk coverage with data breach protection… Read More »Data Breach Coverage For Small Businesses

Car Dealer Title Washing Scheme

A federal jury in Texas has convicted a car dealer from Rowlett for ‘title washing,’ a fraudulent process through which a vehicle’s title is corruptly altered to conceal information that should normally be contained on the title, such as a previous salvaged title or a financial lienholder. Instant insurance quotes for car dealers A vehicle that has a ‘certificate of… Read More »Car Dealer Title Washing Scheme

Insurance for building

Travelers offers affordable protection for Building Owners. In addition to our Core coverages Building Owners Endorsement a valuable addition to any Building Owners Policy is offered.  With the addition Building Owners Endorsement you receive the following protection: • Debris Removal: Increased to $50,000 • Lessor’s Leasehold Interest Coverage: Up to $25,000 • Tenant Move Back Expense:  Increased to $100,000 per premises/$250,000 in any on occurrence… Read More »Insurance for building

Remote Work and Telecommuting Liability Exposures

Remote work arrangements, including telecommuting and working from satellite offices, have increased at nearly one-third of U.S. companies, according to a survey of chief financial officers released Wednesday. • Keep remote workers informed on the latest news from their departments and the company using regular calls and in-person meetings in addition to email. • Ensure that off-site employees have the… Read More »Remote Work and Telecommuting Liability Exposures

When your Employees Covered under USL&H

The U.S. Longshore and Harbor Workers’ Act covers “employees,” defined as “any person engaged in maritime employment, including any longshoreman or other person engaged in longshoring operations, and any harbor-worker including a ship repairman, shipbuilder, and ship-breaker,” exempting some specific jobs. 33 U.S.C. § 902(3). The original Longshore Act only covered injuries occurring on the navigable waters of the United… Read More »When your Employees Covered under USL&H

Electronic Audit of Insurance Premium

Business insurance premium is subject to audit: workers compensation audits payroll, product liability audits sales, payroll as well is under audit in the construction industry. And if you ever had business insurance and gone through the audit, I am sure you’d been wondering around confusing forms on multiple pages, that required you some calculations and even your accountant was raising… Read More »Electronic Audit of Insurance Premium

Fraud in Self-Insured Restaurant Group

The California Restaurant Mutual Benefit Corp., that provides insurance to Jack in the Box franchise fight against workers’ compensation fraud. An employee claiming stress injury in connection with a robbery was investigated after a suspicious behavior caught on security camera at one of the chain’s fast food restaurant. In the end of this saga, the suspect and boyfriend were arrested… Read More »Fraud in Self-Insured Restaurant Group

Changing Medicare Eligibility from 65 to 67

aising the Medicare eligibility age to 67 from 65 would save the federal government nearly $125 billion over 10 years and may be considered by a congressional committee charged with finding ways to reduce the massive deficit, according to a congressional document. But such change would mean a significant shift to employer plans of retirees’ health care costs now covered… Read More »Changing Medicare Eligibility from 65 to 67