March 2013

Insurance for Alcohol and Drug Treatment Centers

Alcohol & Drug Rehabilitation facilities provide medical assistance and behavioral and nutritional counseling to individuals who are in need of substance abuse services. Eligible risks may include Outpatient Alcohol & Drug Counseling, Rehabilitation Centers, Halfway Houses Inpatient, Methadone, Early Release Prisoner Programs (Alcohol & Drug related offenses only) and Outpatient Detox. Clinics may also be included as an eligible class… Read More »Insurance for Alcohol and Drug Treatment Centers

Counterfeit Fire Sprinkler Heads

Underwriters Laboratory (UL) has notified distributors, contractors, regulatory agencies, fire departments, & jurisdictional authorities of recently discovered counterfeit sprinkler heads. The  thermal bulb activated sprinkler heads, mimicking Nanjing Fire Protection Technology Company’s Fire Sprinkler Model NX005, can be identified by the “NX” or “C-I” markings on the wrench boss of the fire sprinkler frame. It may also have “model NX005”… Read More »Counterfeit Fire Sprinkler Heads

NC: Agreement Reached on Homeowners Insurance Rates

On March 5, Insurance Commissioner Wayne Goodwin signed a settlement agreement with homeowners insurance companies allowing an overall statewide average rate increase of 7 percent, varying by territory and form, beginning July 1. The insurance companies, represented by the North Carolina Rate Bureau, had requested an overall statewide average rate increase of 17.7 percent on Oct. 1, 2012. The difference… Read More »NC: Agreement Reached on Homeowners Insurance Rates

Workers Comp. Requirements in North Carolina

Workers’ compensation insurance is required in all 50 states, and North Carolina law requires businesses with three or more employees to buy insurance to cover expenses related to workplace injuries. The North Carolina Industrial Commission is tasked with administering the Workers’ Compensation Act. Despite the statutory requirements, an April 2012 Raleigh News & Observer investigation revealed that at least 30,000 North… Read More »Workers Comp. Requirements in North Carolina

Insurance for Personal Trainers and Fitness Studios

Insurance for personal trainers and fitness studios is specifically designed to meet the unique insurance needs of Fitness Trainers, Group Fitness Instructors, Spinning Instructors, Dance Instructors, Martial Arts Teachers, Pilates Instructors, and many more categories of fitness instruction without any restriction of age or gender of your students.

The Fitness and Wellness Insurance program for Fitness Studios covers many types of studios including Aerobics, Exercise, Spinning, Fitness Training, Strength Training, and Pilates Studios with equipment. It also covers activities such as weightlifting, swimming, sauna, tanning booths, sport courts and group exercise. Dance Studios are eligible under Performing Arts.

Coverage available for:Read More »Insurance for Personal Trainers and Fitness Studios

What does a company really need to protect its reputation online

Experts agree that the most effective protection for a reputation is to consistently follow best practices in conducting business so that negative incidents are avoided. However, bad things can happen to good companies – especially when it comes to data integrity in an era of pervasive hacking, viruses, spyware and malware. Therefore, it is important to be prepared to defend… Read More »What does a company really need to protect its reputation online

Coming Soon: Assault Weapons Liability for Sellers and Owners

A 2005 federal law that protects gun makers and sellers from liability for crimes committed with their products. But Democratic Senate President John Morse said he crafted the legislation to avoid legal challenges by setting different standards of liability for shooters, gun makers and sellers. Liability would be stricter for a shooter because attorneys would not have to prove negligence,… Read More »Coming Soon: Assault Weapons Liability for Sellers and Owners