Business Owners Package Policy

Coverage options for your barber and beauty business

Coverage for barber and beauticians professional liability is automatically included for your “employees” under the commercial general liability coverage form. We have the ability to provide professional liability coverage for barbers and beauticians that are independent contractors – this optional coverage is available for $25 per independent operator under the Additional Insured-Independent Operators form -CG T567 (11-03).

The form does require each operator be scheduled. For additional information, contact us via email or call 877-239-0067

General Liability Isn’t Generally Enough

Owners of technology companies are often unaware of the difference between General Liability and Professional Liability insurance.

Watch video and learn more.

Insurance for Personal Trainers and Fitness Studios from $150/yr.

Insurance for personal trainers and fitness studios is specifically designed to meet the unique insurance needs of Fitness Trainers, Group Fitness Instructors, Spinning Instructors, Dance Instructors, Martial Arts Teachers, Pilates Instructors, and many more categories of fitness instruction without any restriction of age or gender of your students. Abuse and Molestation – INCLUDED!

The Fitness and Wellness Insurance program for Fitness Studios covers many types of studios including Aerobics, Exercise, Spinning, Fitness Training, Strength Training, and Pilates Studios with equipment. It also covers activities such as weightlifting, swimming, saunas, tanning booths, sport courts and group exercise. Dance Studios are eligible under Performing Arts.

Coverage available for:Read More »Insurance for Personal Trainers and Fitness Studios from $150/yr.

What insurance do dental labs really need?

What insurance do labs really need? In this short article we provide answers to some of the most common insurance related questions. Today dental lab owners and lab technicians can be sued. But it is never late to give your business insurance a check-up and determine the type of liability insurance you need to have and then to make sure you have it. The good place to begin with is to check the NADL (National Association of Dental Laboratories) or your state dental laboratory association. If you are a member of NADL than you can talk to their membership service… Read More »What insurance do dental labs really need?

Insurance For Auto Dealers

Business Owners Package Policy, CGL Commercial General Liability, Commerical Auto, Coverage, Garage Liability, Good Insurance News, Hired Auto, Insurance claim or case example, Insurance Coverage
February 7, 2013

We are happy to partner with an A rated admitted carrier to provide insurance for auto dealers including new and used franchised, non-franchised, with and without repair operations (as known as garagekeeper’s liability). The policy is written on a ISO Garage Coverage Form CA 00050306. Garage liability provides protection for bodily injury and property damage claims for which your dealership is held liable. Garage Liability is the foundation of any automobile dealer’s insurance program. Structured as a hybrid of automobile liability and premises liability, this essential protection is normally required by DMV to comply with license requirements. The following Covered… Read More »Insurance For Auto Dealers

California Relaxes Laws so Entrepreneurs Can Sell Homemade Food

Business Owners Package Policy, California, CGL Commercial General Liability, Coverage, Insurance Companies, Insurance Coverage
January 28, 2013

AB 1616 or the California Homemade Food Law relaxes the rules around community-based food production in private kitchens, provided certain regulations are met. California is taking its lead from 32 other states that have already passed similar legislation. If you want to sell you homemade food you most likely want to acquire an insurance policy that would cover such exposures (general and product liability) and operations (3rd party liability, kitchen coverage etc). Get instant insurance quotes online and compare coverage at https://www.paperless-insurance.com

Technology E&O coverage

Business Owners Package Policy, Coverage, Insurance Companies, Insured, Professional Liability / E&O, State
June 22, 2020

Computer Related Services. Miscellaneous E&O. $500 Minimum Premium. Classes We Consider: Data Processing Help Desk Services Network Management Services Software Development Systems Integrators Web Page Design Web Presence Consulting Database Administration Internet Access Provider Programming Application Service Provider System Analysis & Design Computer Skills Training Web Page Hosting …and many more! Call us 877-239-0067 for a competitive quote today!

Ensure Your Inventory is On Time

Business Owners Package Policy, Contingent Business Interruption Insurance, Coverage, Directors and Officers, Insurance Companies, Insurance Coverage, Interruption, paperless advise, Product Recall, Property, risk management, State, Travelers Insurance Company
November 18, 2012

1. Perfect your plan Every savvy shopper has a plan for buying the perfect gifts. Do you have a plan for making sure those must-have gifts are available on your shelves throughout the shopping season? Now is the time to know which products will be in big demand and plan your holiday sales strategy so those key items are available. Your plan should include: Identifying which products make up the largest portion of your sales Making arrangements with suppliers to have those products available before and during the start of the holiday shopping season Knowing your options or limitations for… Read More »Ensure Your Inventory is On Time

Protection for Water and Sewer Districts

Alabama, Alaska, Arizona, Building, Business Owners Package Policy, California, CGL Commercial General Liability, Cincinnati, Colorado, Connecticut, Coverage, Cyber Liability, D&O, Data Breach Coverage, Delaware, Directors and Officers, Earthquake, EPLI, Flood, Florida, Georgia, Hawaii, Hired Auto, Idaho, Illinois, Indiana, Insurance Companies, Insurance Coverage, Insurance News, Insurance Rates and Premium, Interruption, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Nebraska, Nevada, New York, Non-Owned Auto, North Carolina, North Dakota, Ohio, Paperless World, Personal Injury, Pollution Liability, Product Liability Insurance, Product Recall, Professional Liability / E&O, risk management, South Carolina, South Dakota, State, Technology, Tennessee, Texas, Umbrella, Unique Insurance Coverage, Virginia, Washington
June 22, 2020

Serving the public is a serious, round-the-clock responsibility. It’s your job to protect, plan for, and serve the needs of your community as it grows. And it’s our job to protect you with thoughtfully designed, tailored insurance coverages. Our dedicated underwriting, claims and risk control teams work specifically with water and sewer districts and can provide you with one source for your insurance and risk management needs.

WE UNDERSTAND YOUR GENERAL LIABILITY HAZARDS

• Training modules for unique risks such as flagging/traffic control
• Risk control specialists to assist in analyzing digging sites for pipe-laying hazards
• Coverage available for failure-to-supply services and sewer back-up liability
• Utilization of immunities and tort caps where applicable
• Coverage for members of boards, commissions and sewer authorities

WE HAVE AN INDUSTRY-LEADING WORKERS COMPENSATION PROGRAM

• Co-located medical and claims professionals promptly handle, thoroughly investigate and fairly resolve claims, with a focus on return-to-work
• Discounts and savings through carrier’s preferred medical provider network

WE KNOW YOUR MACHINES

• Specialized equipment breakdown coverage and certified boiler and machinery inspections and consultations through carrier’s Boiler & Machinery

WE PROVIDE SERVICES FOR EMPLOYMENT PRACTICES

• Complimentary EPL hotline provides access to EPL attorneys* to answer your questions
• Discounts for employee training to help protect against “failure to train” exposures

WE UNDERSTAND EMOTIONS ASSOCIATED WITH SEWER BACKUP

• Our dedicated Sewer Backup Claim Unit understands the importance of balancing residents’ emotional reactions to water backup events with prompt claim handling
• Specialists work with sewer backup adjusters for valuation of residents’ personal items, antiques, etc.

WE OFFER CYBER LIABILITY PROTECTION

• Coverage to protect against cyber and ID fraud for entities that store data electronically

CGL Independent Contractor Exclusion

Business Owners Package Policy, CGL Commercial General Liability, Coverage, Insurance Coverage, Personal Injury, Pollution Liability, Product Liability Insurance, Terminology, tips
September 25, 2012

Many insurance policies include the following standard provision: “This insurance does not apply to bodily injury, property damage, personal injury, advertising injury, or medical payments for operations performed for you by independent contractors or your acts or omissions in connection with your general supervision of such operations” (exclusion). Relying on this exclusion, your insurer may deny coverage for injuries sustained by subcontractors and decline to defend you in the underlying litigation or personal injury suit. A Massachusetts court recently ruled in favor of insurer Lloyd’s in a dispute over a general liability policy excluding coverage for independent contractors. The case is No.… Read More »CGL Independent Contractor Exclusion