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Moving Scams in Texas

Texas officials say that illegal moving companies are operating statewide, putting consumers at risk for losing their belongings or paying a ransom for getting them back. To operate legally, a moving company must display a valid TxDMV or United States Department of Transportation (USDOT) license number on the truck. Movers should never be hired from free Internet advertising sites. In March, the Houston Police Department arrested two men suspected of using hostage tactics in Houston, San Antonio, Dallas and Austin. The pair ran an unlicensed moving operation that promised cheap moves, but held customers’ household goods hostage, demanding hundreds of… Read More »Moving Scams in Texas

April Bound Accounts

CALIFORNIA – Lessors Risk Package- Apartments and mercantile, Total premium $15,522.45 – Vacant building- squeaked under the x renewal price. $9,000 – Apartment with law and ordinance – $9,240 – Home health care – $3,000 – Large Electrical Contractor – $51,000 FLORIDA, GULF COAST & TEXAS – Supermarket – Hialeah, FL, multiple losses $40k package – Paving Contractor, FL – GL/ XS/IM $60,000 – FL – Excess Cargo – air freight carrier for gold and silver shipments – $38,000 – FL Panhandle- Wind Only – $19,000 – FL – Banquet Hall GL/LL – $19,000 – FL – Schedule of Vacant… Read More »April Bound Accounts

Paranormal Activity Insurance Coverage

One of the biggest stories in Toms River, N.J., in recent weeks involved an alleged haunted house in the neighborhood. According to local reports, M. and her fiance J. had moved into a home in Toms River in March and soon began to experience a range of paranormal activities. As a news report from ABC News shows, the distressed couple allegedly endured living room lights that turn on by themselves, a vase that falls over when no one is watching, a feeling of being tapped on the shoulder when no one is around, and a raspy voice that whispers, “Let… Read More »Paranormal Activity Insurance Coverage

Risk Control: Fire Safety Plan

Introduction

The development of a Fire Safety Plan (hereinafter referred to as the “Plan”) will help ensure the optimum use fire prevention and life safety features installed in a building. The complete plan will reflect all the resources available to the building occupants and identify the basic measures that will aid in an orderly and safe evacuation all occupants in an emergency. An effective Plan that enhances the life safety of staff and building occupants requires:
• a commitment by building management and staff to the safety of occupants;
• knowledge of the building and its fire safety protection equipment by supervisory staff;
• a clear understanding by supervisory staff of the fire safety procedures in the Plan and how to implement properly; and
• the cooperation and education of building occupants.

The following information discusses the preparation and implementation of a Fire Safety Plan.Read More »Risk Control: Fire Safety Plan

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

LOSS CONTROL & BACKGROUND CHECKS

     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