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Travelers Introduces TravPay

TravPay Header BannerTravPay:

  • is a pay-as-you-go solution for your business to link your payroll directly to your workers compensation premiums, eliminating the guesswork of trying to estimate annual payrolls.
  • allows for real-time workers compensation premium calculations based on your reported payrolls.
  • requires no down payment and can help improve cash flow for your business.
  • is a FREE billing option available exclusively for Travelers business customers.

Frequently Asked Questions:
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Confident that your ocean cargo exposures are covered

At Paperless we have partnered up with leading insurance companies to provide extensive ocean cargo coverage for importers and exporters. With automatic “all risks”* coverage for new merchandise – and numerous policy extensions at no extra charge – Travelers Cargo Elite policy gives you the ability to buy and sell internationally with confidence. And when you combine ocean cargo with other lines of property and casualty coverage placed with Travelers, you’ll be better able to evaluate a wide range of transportation exposures and secure the streamlined insurance solutions you need. But as complexity increases, finding the right coverage can be a real… Read More »Confident that your ocean cargo exposures are covered

Faulty Workmanship Coverage Endorsement

What is the Faulty Workmanship Coverage Endorsement? Contractors Faulty Workmanship Coverage is a new and unique endorsement that provides a $10,000 limit to protect your clients against claims arising out of faulty workmanship, materials or products. These claims would otherwise be excluded by the “business risk” exclusions found in every standard ISO Commercial General Liability policy. In states that require a contractors license bond, claims arising out of faulty workmanship, materials or products may also be made against the contractor’s license bond. If the bonding company pays any such claim, the contractor must repay the bonding company. The contractor’s failure… Read More »Faulty Workmanship Coverage Endorsement

Private Choice Ovation – Comprehensive Insurance Protection

Today’s complex economic, regulatory and legal climate leaves little margin for error in running a business. Do you have the necessary comprehensive insurance protection needed to defend against all of the exposures you can face running a business in this environment? Paperless Insurance Services in partnership with A+ rated Hartford Insurance Company is excited to introduce Private Choice OvationSM (Ovation), a new and enhanced management liability coverage offering from The Hartford. Designed to help protect businesses from unforeseen loss, Ovation offers an exclusive suite of products with customizable coverage parts and limits to meet your client’s specific business needs. These coverages can help… Read More »Private Choice Ovation – Comprehensive Insurance Protection

FEMA National Preparedness Report 2013

Presidential Policy Directive 8: National Preparedness, requires an annual National Preparedness Report (NPR) that summarizes national progress in building, sustaining and delivering the 31 core capabilities outlined in the National Preparedness Goal. The 2012 NPR highlighted preparedness accomplishments in the decade since the September 11, 2001 attacks and the 2013 NPR focuses on accomplishments either achieved or reported on during 2012. The 2013 NPR presents an opportunity to reflect on the progress that whole community partners—including all levels of government, private and nonprofit sectors, faith-based organizations, communities and individuals—have made in strengthening national preparedness and to identify where preparedness gaps… Read More »FEMA National Preparedness Report 2013

Does Home Insurance Cover Fallen Trees?

Damage to your own or neighbors home resulting from a fallen tree most likely will be covered by homeowners (HO) policy. If this is your tree that has damaged your neighbors house or property, your should have personal liability coverage within your HO policy. Claims coming from fallen trees that as a result of fire, wind, lighting, hail are usually covered by an HO policy. The landscaping itself may be covered under Coverage C on your HO policy or under Tenants Betterments and Improvements coverage on your Business Personal Property coverage. There are certain exclusion to each insurance policy. Bad… Read More »Does Home Insurance Cover Fallen Trees?

What Insurance Do I Need For A Home Business?

The provision of your homeowners policy that covers business pursuits is applicable only when your main office is away from your home and you take work home. For example, a notary public working from a professional office, also can meet with clients at his home office (on weekends, or after hours). Other than that, your homeowners policy won’t cover business related claims. It may in some instances provide coverage for “sleep and fall” accidents and business personal property, but frankly, you must have a stand alone business insurance. Insurance coverage for your business will depend on your operations and other specifics. If… Read More »What Insurance Do I Need For A Home Business?

Patient Safety is Top Concern for Hospital Leaders

The lack of teamwork combined with a negative culture and poor communication in hospitals today presents a barrier when it comes to patient safety in the future, according to a new survey. The survey results revealed a tension between what hospital leaders perceive as their number one priority in 2013, patient safety (64% C-Suite and 62% risk managers), and their number one threat, failing to maximize financial sustainability (60% C-Suite and 62% Risk Managers). The survey, commissioned by American International Group (AIG) in consultation with patient safety expert, Dr. Marty Makary, MD, MPH, found that while nearly all respondents (96%… Read More »Patient Safety is Top Concern for Hospital Leaders

Expired insurance = no coverage

An insurance company does not have to cover a Rapid City woman for a crash because her policy expired 12 hours before she hit four boys on their bicycles, the South Dakota Supreme Court ruled.

Tamara Bradford pleaded guilty to two counts of vehicular battery for the September 2007 crash and was sentenced to eight years in prison. Authorities said her blood-alcohol level was three times the legal limit for driving when she hit and injured the boys, who were riding their bicycles or standing along the road.

After a lawsuit was filed on behalf of the boys, Alpha Property and Casualty Insurance Co. declined to cover Bradford for the crash. The Supreme Court said Bradford’s insurance policy had expired just after midnight on Sept. 23, 2007, about 12 hours before the crash, because she had failed to pay a premium due the day before the accident.

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No-Fault Auto Insurance Reform

According to a recent statewide poll commissioned by the Coalition for Auto Insurance Reform (CAIR), an overwhelming number of Michigan voters believe their auto insurance premiums are too high and support no-fault reform legislation that would lower their auto insurance costs. The poll revealed that voters are concerned about the high cost auto insurance – 70 percent said their auto insurance premiums were too high. The belief that auto insurance rates are too high is shared by voters across all age groups, political parties and beliefs, especially among the following demographics: 88 percent of Detroiters 75 percent blue collar workers… Read More »No-Fault Auto Insurance Reform