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California Pregnancy Disability Coverage

A new California law will require employers to extend health insurance coverage for up to 16 weeks to employees classified as disabled due to pregnancy, childbirth or related medical conditions. The measure, S.B. 299, which governor signed into law last week with the effective date of 01/01/2012, states that employers continue health care coverage for up to 16 weeks to disabled pregnant employees on the same basis as prior to the employee taking disability leave. In certain ways, the California law mirrors the 1993 U.S. Family and Medical Leave Act, but there are several key differences. The federal law mandates… Read More »California Pregnancy Disability Coverage

Top Five Mistakes Drivers Make

For many drivers, getting behind the wheel is second nature, so it’s easy to make errors without realizing it. However, these errors can lead to serious accidents. Keep yourself and others safe on the road by avoiding these mistakes: 1. Tailgating Leave a three-second cushion between you and the vehicle in front of you. Leave even more time when road conditions are bad or when you’re travelling at higher speeds. 2. Stopping Instead of Yielding Accidents can happen when drivers stop at a yield sign. “Yield” simply means to slow down and let the traffic on the road you are… Read More »Top Five Mistakes Drivers Make

Broad Form Auto Endorsement

If you are shopping for your business auto insurance consider getting quote from Hartford. With a broad form auto endorsement you are getting: Coverage Who Benefits Most Claim Scenario Loan Gap Coverage – When a financed vehicle is declared a total loss and your insured’s outstanding loan balance is greater than the actual cost value of the vehicle, The Hartford will pay the difference between the outstanding loan balance and the actual cash value of  the vehicle. This is a new coverage! Any small business owner that finances company vehicles Like many small business owners, Jane financed the Ford F350 truck… Read More »Broad Form Auto Endorsement

Personal Injury Insurance Coverage and Credit Cards

In general, oral or written publication, in any manner, of material that violates a person’s right of privacy would be considered as a personal injury. However, your credit card slip may show a few digits of the credit card you use for the transaction and such would NOT be considered as a personal injury, because the word “publication” would not apply to this example. Other examples of personal injury: libel and slander, publishing / disclosing personal related information (health records, financial, etc) to a public domain without prior approval, false arrest and trespassing.   Always consult with your insurance policy for a proper understanding on… Read More »Personal Injury Insurance Coverage and Credit Cards

Hands-On: Top 10 Excuses From Drivers Caught Using Phones

1. This is a bogus law. 2. It was my boss on the phone – I had to answer it. 3. I wasn’t using it – I just like to hold it. 4. Sorry officer, I didn’t see you trying to pull me over because I was on my phone. 5. But it was an emergency call to my wedding planner. 6. My Bluetooth died. 7. Driver: I’m using my speakerphone. Police officer: No, you’re holding your phone in one hand and steering with the other. 8. I’m not driving; I was stopped at a red light. 9. I wasn’t… Read More »Hands-On: Top 10 Excuses From Drivers Caught Using Phones

Special Event Insurance by Travelers

The Protector Plan for Events, underwritten by Travelers, has been expanded to go beyond weddings and deliver specific coverages for private special events including parties for anniversaries, birthdays, sweet sixteen celebrations, baby showers, holiday parties, retirements and many others. Consumers planning special events can now purchase the no-deductible Protector Plan for Events from Travelers starting at $160*. The Protector Plan for Events provides coverage for many problems such as certain severe weather causing event cancellation or postponement, transportation shutdowns, lost deposits, and other headaches that can ruin the anticipated celebration. Consumers may also have the option to add liability insurance… Read More »Special Event Insurance by Travelers

Risk Management: Preventing Commercial Auto Accidents

– Watch Your Speed: It’s easy to go too fast—especially when you are in a hurry. Remind yourself to slow down and keep it safe. – Mirror, Mirror: Properly adjust all mirrors before starting your trip. It is also important to check the side and rearview mirrors frequently while en route. This will allow you to constantly observe your surroundings. – Avoid Road Rage: Leave aggressive drivers to the police. Call 911 and report unsafe drivers — you could be doing them and everyone else on the road a favor in the long run. – Drinking = No Driving: If… Read More »Risk Management: Preventing Commercial Auto Accidents

New Underwriting Requirements for Technology Errors and Omissions Insurance Coverage through Travelers Insurance Company

Select Accounts and Global Technology have a close working relationship to provide competitive products and services for Select’s technology customers. With Select’s Master PacSM product and coverage offerings combined with Global Technology’s CyberFirst® E&O Liability product, coverage may be specifically tailored for today’s high tech companies. Select Accounts recently reviewed Master Pac business with an associated Technology CyberFirst E&O policy to determine the proper eligibility to maximize Select Accounts Technology E&O writings. As a result of the review, it has been determined that the best opportunity to write CyberFirst E&O coverage for Select business is when the account has at… Read More »New Underwriting Requirements for Technology Errors and Omissions Insurance Coverage through Travelers Insurance Company

New Auto Insurance Coverage for Hybrid Autos

Recently Hartford introduced Hybrid Payment Coverage – If a non-hybrid auto is a total loss, and if replaced by a hybrid auto, The Hartford will pay an additional 10% of the actual cash value, up to a maximum of $2,500. The damaged vehicle must be replaced within 60 days to qualify for the hybrid payment. Electronic Equipment Coverage – provides coverage for installed electronic equipment that is: – Permanently installed and powered by the vehicle’s electrical system – Necessary for the normal operations or monitoring of operating systems – Used to transmit or receive audio, visual or data signals. Rush… Read More »New Auto Insurance Coverage for Hybrid Autos