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April 2012

Good Laptop Ergonomics

You see them everywhere carrying their laptops. They are businesses’ “Road Warriors” with offices-on-the-go.  These offices on-the-go are allowing people to work all hours of the day and night. And from anywhere: their company; their homes; libraries; at customer sites; while traveling in planes, cars, trains, and buses; and even while taking in some sun on the beach! Laptops are increasingly becoming the equipment-of-choice for employees on the go. Improving Comfort when Using Laptops The main feature that makes laptops the equipment-of-choice is their compactness. While standard desktop computer units consist of three basic and separate components – the keyboard, the screen, and the… Read More »Good Laptop Ergonomics


     Inadequate due diligence and negligent hiring practices in the home health sector harms not only an organization, but its patients, as well. Indeed, poor hiring can be cited as a contributing factor in the rise of lawsuits, medical malpractice claims and multi-million dollar settlements. Employers in the home health care industry need to obtain a thorough understanding of a prospective employee’s history, particularly if that person will have access to patients, medications and confidential information. Moreover, liability for negligent hiring and retention can occur if the home health care organization fails to conduct a comprehensive background check on… Read More »LOSS CONTROL & BACKGROUND CHECKS

New Insurance Markets

OneBeacon forms group to focus on small to medium commercial business – OBPG will write business through select managing general agents, managing general underwriters and program administrators, the Minnetonka, Minn.-based insurer said. Dan Beaudette, previously senior vp at Arch Insurance Group Inc., was named president of OBPG. In addition to Beaudette, three other Arch veterans have joined OBPG. Greg Deville was named senior vp and chief underwriting office, Randy Worth was named senior vp and Bryan Wakefield was named claims vp of the new business. The team will be based in Denver. *** QBE North America expands employment practices liability… Read More »New Insurance Markets

Insuring Cloud Computing

While cloud computing may seem vague and confusing, the National Institute of Standards and Technologies recently completed a working definition for the term after years of work and 15 drafts. So what is Cloud Computing? According to the official NIST definition, “cloud computing is a model for enabling ubiquitous, convenient, on-demand network access to a shared pool of configurable computing resources (e.g., networks, servers, storage, applications and services) that can be rapidly provisioned and released with minimal management effort or service provider interaction”, with the following 5 characteristics: • On-demand self-service • Broad network access • Resource pooling • Rapid… Read More »Insuring Cloud Computing

Public Servant Wins Compensation Over Work Trip Sex Injury

An Australian public worker has won the workers comp. claim hearing, for the injury she got having sex in a motel during the business trip, according to ABC News. Now the federal government should pay not only the money spent on her treatment, but also cover the legal costs. The woman, whose name was not released, sued her employer back in 2007,  for the denied workers compensation claim for the injury done by a glass light fixture that fell off the wall above a bed as she was having sex. In addition, as she said later, after the injury she… Read More »Public Servant Wins Compensation Over Work Trip Sex Injury

Accountants Professional Liability Insurance

Paperless Insurance provides comprehensive Accountants Professional Liability (APL) Just complete a short application online at  and receive a formal quote the same or next day. Minimum premium $300/yr. Insurance for small and midsize local and regional firms at competitive premiums and with “A+” rated carriers Standard Coverage: • Extended Reported Period (EPR) includes options for death, disability and/or retirement • Broad Innocent Insured provision • 50% deductible credit for use of mediation or nonbinding arbitration • 10% additional limit for claims expense (up to $100,000 maximum) • State licensing board proceeding expe coverage • Loss of earnings coverage • Subpoena… Read More »Accountants Professional Liability Insurance

Zurich Insurance launches apps for risk managers

Zurich Insurance Co. Ltd. has launched two apps for risk managers, the insurer announced Wednesday at Risk & Insurance Management Society Inc.’s Annual Conference and Exhibition in Philadelphia. The Zurich Risk Room app is a limited version of the larger risk modeling software Zurich offers clients. The app shows scenarios for natural catastrophe and disaster management, supply chain disruption, regulatory imbalances, social value of insurance and economic value of insurance. Each has 10 to 12 preselected risks offering a comparison of different countries’ stability as well as modeling the interconnection among risks. New risks and scenarios will be added as… Read More »Zurich Insurance launches apps for risk managers

Travelers Introduces Express Pay

We are excited to announce the availability of Travelers Express Pay, an additional payment alternative for Business Insurance Direct Bill customers, coming on Monday, April 16th. Travelers Express Pay provides a convenient one-time online payment option for you. A one-time payment can be made by simply providing a policy/account number and zip code through the online tool. The entire transaction can be completed in 4 easy steps! 1. Enter the policy Account Number or Policy Number and the billing address zip code 2. Choose or enter the amount to be paid 3. Enter the insured’s payment information from your checking/savings account 4. Hit the ‘Agree’… Read More »Travelers Introduces Express Pay

Airport-related Property Risks Insurance

We are working with the industry leaders in  insuring airport-related property risks. We understand this industry and its many unique exposures: hangars, airport buildings, specialized mobile equipment and unique business interruption exposures. We are dedicated to providing the specialized coverages needed to address your unique airport needs, including: • Property • Inland marine • Ocean marine • Boiler and machinery • Auto Standard Coverage Includes: Special “Deluxe” Policy Form 100% Replacement Cost Coverage Flood Coverage Extra Expense Newly Acquired Property Co-Insurance Waived Back-up of Sewers & Drains Debris Removal Fine Arts Fire Department Service Charge Pollutant Clean-Up Theft Damage Accounts Receivable Valuable Papers… Read More »Airport-related Property Risks Insurance

Tax Time Tips

With taxes due soon and the IRS’ deadline looming, many consumers are scrambling to get their taxes filed in time. Scammers are also busy this time of year so it’s important to remain vigilant in the practices you use when filing. There are many email scams circulating. These emails, known as phishing, involve the scammers impersonating the IRS or a financial institution in order to gain the victim’s sensitive personal information. Keep these tips in mind as you square up with Uncle Sam this year: Any unsolicited email purporting to be from the IRS is likely a scam. If you… Read More »Tax Time Tips