October 2011

New Hybrid Pension Plan in California

New California state and local government employees would be covered under a hybrid pension program under a proposal announced by Gov.Brown. The proposal would create a pension plan with elements of defined benefit and defined contribution plans and would also raise to 67 the retirement age for new government employees. The normal retirement age for state and local government employees… Read More »New Hybrid Pension Plan in California

Workers Compensation Statute of Limitations Explained

A workers compensation statute of limitations is a regulation in a common law legal system that sets the maximum time after an event that legal proceedings based on that event may be initiated. For example, such legal proceedings may involve claim subrogation or premium collection. California’s statute of limitations for collecting unpaid insurance premiums begins once an insurer has sent… Read More »Workers Compensation Statute of Limitations Explained

Workers’ Comp Rate Increase in Florida is Approved

Employers in Florida will be paying more for workers’ compensation coverage next year following the state insurance chief’s approval of an 8.9 percent statewide average rate hike. Florida Insurance Commissioner Kevin McCarty said that he will approve the 8.9 percent rate bid filed by the insurers’ rating organization, the National Council on Compensation Insurance (NCCI). The new rates will apply… Read More »Workers’ Comp Rate Increase in Florida is Approved

Employment Decisions Based on Credit Prohibited in CA

California has become the seventh state to prohibit credit checks in making employment decisions with legislation governor signed into law. With the signing of A.B. 22, California joins Connecticut, Hawaii, Illinois, Maryland, Oregon and Washington state in barring credit checks of prospective employees, according to the Denver-based National Conference of State Legislatures. To date, 58 bills in 28 states and… Read More »Employment Decisions Based on Credit Prohibited in CA

California Pregnancy Disability Coverage

A new California law will require employers to extend health insurance coverage for up to 16 weeks to employees classified as disabled due to pregnancy, childbirth or related medical conditions. The measure, S.B. 299, which governor signed into law last week with the effective date of 01/01/2012, states that employers continue health care coverage for up to 16 weeks to… Read More »California Pregnancy Disability Coverage

Top Five Mistakes Drivers Make

For many drivers, getting behind the wheel is second nature, so it’s easy to make errors without realizing it. However, these errors can lead to serious accidents. Keep yourself and others safe on the road by avoiding these mistakes: 1. Tailgating Leave a three-second cushion between you and the vehicle in front of you. Leave even more time when road… Read More »Top Five Mistakes Drivers Make

Broad Form Auto Endorsement

If you are shopping for your business auto insurance consider getting quote from Hartford. With a broad form auto endorsement you are getting: Coverage Who Benefits Most Claim Scenario Loan Gap Coverage – When a financed vehicle is declared a total loss and your insured’s outstanding loan balance is greater than the actual cost value of the vehicle, The Hartford will… Read More »Broad Form Auto Endorsement

Personal Injury Insurance Coverage and Credit Cards

In general, oral or written publication, in any manner, of material that violates a person’s right of privacy would be considered as a personal injury. However, your credit card slip may show a few digits of the credit card you use for the transaction and such would NOT be considered as a personal injury, because the word “publication” would not… Read More »Personal Injury Insurance Coverage and Credit Cards