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Top 5 workplace injury causes

According to research released Tuesday by Liberty Mutual Group Inc the 5 leading causes of workplace injuries are: 1. Overexertion — or injuries caused by lifting, pushing, pulling, holding and carrying – 25% of all claims 2. Fall on same level — 15.8% of all claims 3.  Fall to lower level 4. Bodily Reaction — defined as injuries from bending, climbing, reaching, standing, sitting, and slipping or tripping without falling 5. Struck by an object We remind you, our dear business owners, that one’s life is the most precious thing in the world and it’s a good karma to protect it, not even mentioning… Read More »Top 5 workplace injury causes

California Department of Insurance Hotline

Whether you are not satisfied with how your policy was rated, claim paid or there were marketing or underwriting issues, and you are lucky resident of the great State of California, consider contacting CDI hotline, which handles the health claims, claims services, and rating and underwriting services. Their number is 800-927-HELP (800-927-4357). The California Department of Insurance recovered more than $54 million for consumers through consumer complaint investigations and market conduct examinations of insurance companies in 2011. The department’s consumer services and market conduct branch has two divisions. One division focuses on assisting consumers and the other focuses on examinations of insurance companies. The division consists… Read More »California Department of Insurance Hotline

Insurance for Tanning Salon

If you are operating a tanning salon, make sure the insurance carrier is aware of your operations, and you are not misclassified on the application as a beauty parlor or spa. The recent fire that destroyed 6 Washington businesses started in a tanning bed, where 15-year-old was in bed and saw a light bulb on fire. Altough she warned the staffers, the room was in flame once they got there. Thanks Lord no-one was injured but six businesses including coffee shop, cigar shop, travel agency, beauty supplies retail and hearing aids office were burned by the fire. Remember: any material… Read More »Insurance for Tanning Salon

Insurance for Homeless Shelters

 

General Liability premium generally starts from ~$350 per bed per year when no detox services are provided and ~$700 per year with detox services provided. Applicable tax and fees extra. To get started send the completed Application (PDF 0.8MB) to the email indicated on the first page of the application and include: 

• Copy of current General Liability and Professional Liability insurance Declarations Page
• 5-year previous carrier loss runs, valued within the last 45 days
• Copies of State Inspections, Complaint Investigations, and Facility License

Paperless Health & Human Services Program includes insurance designed for homeless shelters – those hard-to-place risks that serve the immediate needs of others by providing food, shelter, clothing, and safety. As the cold air encroaches and the icy season is in full swing, it is a good time to reflect on our own blessings and how we can help others in our communities.

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Federal Unemployment Insurance Cut in Half

The House of Representatives passed HR 3630. This is an omnibus measure that contains a variety of items. Among them are the following: It would reduce unemployment benefits by one half cutting them from 99 to 59 weeks. It would let the last leg of federal unemployment insurance extension, 13 to 20 weeks to expire. This would impact the states with the highest rates of unemployment. It would require means testing of workers based on income. There would be a $5.00 charge for each reemployment. Waivers would be granted for workforce programs. States would be allowed leeway in Non Reduction… Read More »Federal Unemployment Insurance Cut in Half

Congratulations Notary 94121

Our friends @ Notary 94121 have received 2011 San Francisco Award U.S. Commerce Association’s Award Plaque Honors the Achievement NEW YORK, NY, December 14, 2011 — Notary 94121 has been selected for the 2011 San Francisco Award in the Notary Public Services category by the U.S. Commerce Association (USCA). The USCA “Best of Local Business” Award Program recognizes outstanding local businesses throughout the country. Each year, the USCA identifies companies that they believe have achieved exceptional marketing success in their local community and business category. These are local companies that enhance the positive image of small business through service to… Read More »Congratulations Notary 94121

Climate Change Affects Insurance Costs for California Businesses

The Governor’s Conference on "Extreme Climate Change and California’s Future," convened by Gov. Jerry Brown, highlighted the urgency of developing technologies and policies that would curb greenhouse gas emissions. Gov. Brown emphasized that denying climate change is counter-productive since the world has recently experienced the deleterious effects of climate variability. Gov. Brown and other prominent participants suggest that resources should be channeled toward emission reduction by shifting to renewable energy sources and disaster preparation. In California, extreme high and low temperatures and severe storm systems are recent manifestations of climate change. California can expect more flooding and more dangerous wildfires… Read More »Climate Change Affects Insurance Costs for California Businesses

Michigan Drivers to Pay Less Fees

Michigan Gov. Rick Snyder has signed legislation that will eliminate some extra fees that are imposed on drivers for certain traffic offenses, effective October 2012. Senate Bill 166 repeals pieces of the state’s “driver responsibility” program that adds extra fees to some offenses that offenders already must pay fines for committing. The State of Michigan estimates a loss of ~ $20 million / year in fees, once the law becomes effective.

Distracted Driving

Using a cell phone while driving is not the only distraction leading to automobile crashes today, says a group of insurance carriers. While the U.S. National Transportation Safety Board’s (NTSB) call for a national ban on cell phone use while driving brings needed attention to the issue, the discussion should focus on how to reduce all forms of distracted driving, according to the Property Casualty Insurers Association of America (PCI). “Cell phone usage is only one of many bad habits that are distracting American drivers,” said Robert Passmore, senior director of personal lines for PCI . “Distracted driving is a… Read More »Distracted Driving