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All Insurance You Need For Your APU Waste Haulers Business Company
You shouldn’t have to wonder about the quality of coverage for your waste hauling business, or whether the program will be around the next time you need to renew. Our team has more than 30 years of experience in this segment. Serving the industry, this long-standing program is stable even as market availability, in general, may be decreasing.
Our waste haulers program incorporates comprehensive insurance coverage for companies engaged in almost any type of non-hazardous waste service activity, is available on admitted paper with excess coverage up to $10M, and offers competitive rates. Our carriers are A.M. Best Rated A+10 and American-owned.
Coverages:
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Nursing Home Liability
With ample capacity in a nursing home and long-term care liability insurance, competition remains strong among carriers. However, clouds have been gathering on the horizon, with the convergence of three separate events threatening to create a perfect storm in the marketplace.
Increasing Claims
Claim frequency and severity has been climbing for the past several years, with nursing home litigation being one of the fastest-growing areas of health care litigation. In a recently published report on an actuarial analysis of the long-term care sector, it was stated that long-term care frequency is increasing by 5% annually.
Severity is a concern as well. Consider a few mega-claims in the past few years:Read More »Nursing Home Liability
Cyber Deception Coverage
The Cyber Deception coverage extension provides coverage for the intentional misleading of the Applicant by means of a dishonest misrepresentation of a material fact contained or conveyed within an electronic or telephonic communication(s) and which is relied upon by the Applicant believing it to be genuine. This is commonly known as “spear-phishing”, CEO Fraud or “social engineering”, which is defined by Wikipedia as “psychological manipulation of people into performing actions or divulging confidential information.” In recent years, hackers and cyber-thieves have been developing new techniques to infiltrate insureds’ bank accounts. Early phishing scams were fairly easy to spot: a request from a Nigerian prince or a link purported to take you to your bank’s customer service center were tell-tale signs of suspicious email traffic. It was recommended to never click on the link and delete the email immediately. In response to the masses becoming more aware of these red flags, thieves have countered with more sophisticated attacks.
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11 tips for effective workplace housekeeping
To some people, the word “housekeeping” calls to mind cleaning floors and surfaces, removing dust, and organizing clutter.
But in a work setting, it means much more. Housekeeping is crucial to safe workplaces. It can help prevent injuries and improve productivity and morale, as well as make a good first impression on visitor. It also can help an employer avoid potential fines for non-compliance.
The practice extends from traditional offices to industrial workplaces, including factories, warehouses and manufacturing plants that present special challenges such as hazardous materials, combustible dust and other flammables. Experts agree that all workplace safety programs should incorporate housekeeping, and every worker should play a part. In addition, housekeeping should have management’s commitment so workers realize its importance. Here are 11 tips for effective workplace housekeeping.Read More »11 tips for effective workplace housekeeping
Product Recall Insurance for Manufacturers, Importers, Wholesalers
Licensed attorney and insurance broker Diana Motseniat talks about the product recall insurance. We offer Product Recall coverage in multiple states of the USA. To get a quote complete this application: https://www.paperless-insurance.com/insurance-application/product_recall_insurance_application.pdf Learn more about Product Recall: https://www.paperless-insurance.com/product-recall-insurance-explained/ [tvideo type=”youtube” clip_id=”5LTC5UdYQe0″]
Be Safe for Halloween
Get your sidewalk neat before they trick-or-treat – Walk the path from the street to your door and clear anything that trick-or-treaters could trip over or slip and injure themselves. This includes gardening equipment, hoses, toys, potted plants, lawn ornaments and even Halloween decorations that block the path to your front door. Make your yard spooky, not dangerous – Be sure to clean up before candy-fueled children charge through your yard. Remove dead branches, sticks and acorns, rake up the leaves, fill in holes and trim your hedges to prevent any injuries. A well-lit driveway can still be scary – There’s nothing scarier for… Read More »Be Safe for Halloween
Insurance for Fire Sprinkler Contractors
SprinklerPro® is a multi-line insurance program for fire sprinkler contractors engaged in the design, fabrication, installation, testing, service, and repair of fixed water-type and special hazard suppression systems.- Fire Sprinkler Contractors – Designing, Fabricating, Installing, Testing, Servicing and Repairing Sprinkler Suppression Systems including Pre-action or Deluge systems, and systems utilizing: Halon, Inergen, FM 200, Foam, or CO2
- Contractors performing some mechanical work with sprinkler installations
- General Liability
- Professional Liability
- Pollution Liability including microbial substance (mold / fungus) available
- Umbrella / Excess Liability
- Special Endorsements include Blanket Additional Insured, Blanket Waiver of Subrogation, and Per Project Aggregate Limit
- Primary and non-contributory provided for additional insureds with no premium charge
- No exclusion or limitation endorsement for residential work
Insurance for Multi-Family Real Estate
The real estate sector consists of many different types of premises-related accounts, including office buildings, shopping centers, malls, industrial warehouses, and apartments. Due to the frequency and severity of losses, habitational properties or apartment schedules are most commonly placed with E&S markets. This also applies to shopping centers and malls that are located in geographic areas where the crime scores are typically higher than the national average, or where the risk has a higher frequency of claims and is suitable for taking a retention and employing an aggressive third party administrator (TPA).
But the majority of real estate accounts placed in the E&S marketplace are multi-location apartment schedules. In recent years, many casualty markets have struggled with being profitable on these risks, and some have stopped underwriting this class entirely. What makes this class so difficult for carriers to be profitable, and why have so many markets either exited the space or tightened their guidelines?
Obviously, profitability is tied to thin rates and/or overly generous claims settling, but there are several other factors when it comes to this class:
1. Unique claims = general liability? Not always.
One factor is that there are so many more unique claims which ultimately get tagged to the general liability (GL) carrier. Just about anything that goes wrong – other than traditional property losses such as fire, wind, flood, etc. – is considered a GL claim. While it used to be that the owner or manager had to be negligent in order for a GL claim to be paid, that’s hardly the case anymore. Carriers have traditionally been the most concerned with “typical” GL claims including slip-and-falls, violent attacks, and sexual assaults; they now have to also deal with unique, obscure claims for which a GL carrier is ultimately held liable. This diminishes any chance of the account being profitable.Read More »Insurance for Multi-Family Real Estate
Florida Automobile Joint Underwriting Association
The Florida Automobile Joint Underwriting Association (FAJUA) was created pursuant Sections 627.311 and 627.351, Florida Statutes, by order of the Insurance Commissioner Dated February 9, 1973, for the purpose of establishing and carrying out a program for providing automobile insurance to qualified applicants unable to procure such insurance in the voluntary market at rates below the FAJUA. Every insurer authorized to write automobile liability insurance or automobile physical damage insurance in Florida shall be a member of the Association and shall subscribe and be bound by the Articles of Association of the FAJUA and by the rules and regulations adopted… Read More »Florida Automobile Joint Underwriting Association