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July 2012

CarFax Vehicle History Data Use in Insurance

Carfax Inc. reported that federal officials have approved its patent applications for its auto insurance underwriting and rating system based on vehicle history attributes. CarFax said it expects the patents to be issued by the U.S. Patent and Trademark Office within the next month. Insurance companies use CarFax reports in their underwriting and rating, claims prioritization, total loss valuations, and fraud investigations. CarFax’s systems that are being patented include the access to the vehicle history data and a method for insurers to follow in using that data. According to Carfax, its vehicle history database has more than 10 billion records… Read More »CarFax Vehicle History Data Use in Insurance

My Friends’ Weather with Travelers Insurance Company

The Weather Channel and Travelers announced that they are partnering to launch “My Friends’ Weather,” the first Facebook Open Graph application on The new tool will allow users to see whom among their friends and family may be affected by breaking weather news. Through Breaking Now weather alerts on, users can find out when major events happen – such as threatening tropical storms, disastrous tornado touchdowns and other news – and then be the first to share that information seamlessly via Facebook, directly to the people who may be impacted. At the same time, through the partnership with… Read More »My Friends’ Weather with Travelers Insurance Company

Earthquake Deductible Buyback in California

A few facts about earthquake insurance: Fact I:  Most residential insurance policies do not cover earthquake damage – a separate earthquake policy is required. Without earthquake insurance to help you cover the costs of repairs and other expenses that come with catastrophic damage, you will pay out-of-pocket to fix your home, to replace your personal property, and to live and eat elsewhere. Fact II:  Most earthquake insurance policies feature a high deductible, which makes this type of insurance useful if the entire home is destroyed, but not useful if the home is merely damaged. Rates depend on location and the… Read More »Earthquake Deductible Buyback in California

Longshoreman and Harbor Coverage

Are you involved in operations that are subject to the U.S. Longshore and Harbor Workers’ Compensation Act? This act, administered by the U.S. Department of Labor, provides medical benefits, compensation for lost wages and rehabilitation services to longshoremen, harbor workers and other maritime workers injured during the course of employment, or who suffer from diseases caused or worsened by employment conditions. Although finding the workers compensation coverage for such operations may not be easy and extra caution should be exercised we are confident we have enough resources to provide you with a competitive quote from multiple carriers.

Progressive Expands Commercial Auto Offerings, Introduces New Coverage

Progressive Insurance has expanded its commercial auto product with updated offerings and programs. The latest commercial package brings more coverage options and introduces a customer loyalty program. Highlights of the latest package include: Customer Loyalty Program: The new customer rewards program includes accident forgiveness, specialized claims service and minor violation forgiveness. Pet Injury Coverage: Progressive provides up to $1,000 to help pay the medical bills for a dog or cat if they’re injured while riding in a covered vehicle. Expanded Truck Cargo Coverage: Progressive has expanded acceptability to include owned goods, increased coverage limits up to $250,000 and added refrigeration… Read More »Progressive Expands Commercial Auto Offerings, Introduces New Coverage

Travelers Risk Control 2012

Do you know that the two fundamental aspects of managing business risks include preparing for emergencies that might lead to business interruptions and knowing how to assess those risks to accurately pinpoint your vulnerabilities? If you need help addressing your risks, the Risk Control web page – Protecting Your Business – has a number of topics to help you get started. Some of these resources include: · Preparing for the hurricane season · Planning ahead for wildfires · Managing heat stress and illness · Keeping your pool and spa safe · Minimizing damage from floods, tornadoes, and hail For additional… Read More »Travelers Risk Control 2012

Insurance for Adult Day Care Center

Paperless’ Health & Human Services Insurance Program includes coverages that are specifically designed to protect the unique needs of professional Adult Day Care Centers. As industry specialists, Paperless Insurance has the experience and expertise to cover Adult Day Care Centers as a special addition to its social services program. Adult Day Care Centers are facilities that provide meals and supervised care for senior citizens where they can interact with peers and engage in social activities in a community-based environment. Adult Day Care Centers usually act as an alternative to assisted living and nursing homes. Paperless’ Health & Human Services includes… Read More »Insurance for Adult Day Care Center

Small Business Safety Tips: Business Property

Possible accidents: Fire occurs due to outdated or old wiring damaging both the building your business owns and some of your equipment inside A roof leak causes significant damage to the goods in your warehouse Computers and media equipment are stolen from your place of business over the weekend How can I protect my building/premises, equipment, and materials from water damage and fires? The following questions point out basic building maintenance and fire prevention controls that should be in place: Is the building’s exterior structure, including all equipment, in good condition? Are drain pipes, signs, tanks, fences, canopies, etc. secured?… Read More »Small Business Safety Tips: Business Property

Laws Regarding the Recording of Phone Calls

Many businesses and other organizations record their phone calls so that they can document business transactions, train their employees, and improve customer service. It is extremely important to seek legal advice from an attorney if you are considering recording telephone calls or oral communication between parties. This article is not meant to serve as legal advice. However, we want to remind that there are federal and state laws regarding this practice. Florida, for example, is a “two-party consent” state, which requires that all parties of a conversation must give consent when one party wants to record a phone conversation. This includes the… Read More »Laws Regarding the Recording of Phone Calls