California

Ridesharing Insurance Rules in California

California, CGL Commercial General Liability
July 3, 2015

A new law requiring that ridesharing drivers and companies have liability insurance coverage during all three periods in which they use the ride-sharing application went into effect 7/1/2015.
The rules are in effect under Assembly Bill 2293, which was signed into law in September 2014.

The law stipulated divides ridesharing activities into three periods.
[process_steps type=”horizontal” size=”small”] [process_step title=”Period one” icon=”mobile-phone” icon_color=”#ff0000″] App open and waiting for a match [/process_step] [process_step title=”Period two” icon=”map-marker” icon_color=”#beb509″] Match accepted, but passenger not yet picked up [/process_step] [process_step title=”Period three” icon=”car” icon_color=”#239c0a”] Passenger in the vehicle and until the passenger exits the vehicle [/process_step] [/process_steps]

AB 2293 requires:

Emergency Loans for Drought Available for Small Businesses in California

California, Fire, Flood, Life, Quote, risk management, social, State
May 19, 2015

Small businesses in a handful of counties in California are now eligible to apply for low interest federal loans to help offset the costs of prolonged drought.
The U.S. Small Business Administration announced that non-farm businesses may qualify for loans up to $2 million.
Agency director Tanya Garfield says eligibility will be determined on financial impact of the drought and not on any property damage.
Drought loans bear interest rates of 4% for businesses and roughly 2.6 percent for non-profit organizations.
Applicants may apply online at the Small Business Administration website.

State-specific Resources for Workers Compensation

Arizona, California, Cincinnati, Colorado, Connecticut, Georgia, Hawaii, Idaho, Illinois, Indiana, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Nebraska, Nevada, New York, San Francisco, Travelers Insurance Company, workers compensation
May 23, 2014

In this post we are providing some state specific Workers Comp. benefit overview.

National

Alabama

Workers Compensation Benefit Overview

Alaska

Workers Compensation Benefit Overview

Arizona

Workers Compensation Benefit Overview

Arkansas

Workers Compensation Benefit Overview

California

Travelers’ Response to California DOI Memoranda (8/2009) Travelers CSS
Senate Bill 863 – California Workers Compensation Reform 2013
Impact of WCAB En Banc Decisions on CA Employers (5/2009)       Travelers   CSS
> Update on WCAB En Banc Decisions on CA Employers (9/2009)  Travelers   CSS
> Update on WCAB En Banc Decisions on CA Employers (7/2011)  Travelers   CSS
Travelers Medical Provider Network Information for California Customers
California Medical Provider Network (MPN) Overview (4/2011)
Workers Compensation Benefit Overview
California State Claim Forms & Notices

Frozen 2

California, risk, social
April 7, 2014

The California 2nd District Court of Appeal overturned a lower court ruling that the lawsuit against White Memorial Hospital was filed too late, the ABC News reported on 4/3/2014. M.A. was declared dead in July 2010 after suffering a heart attack and was placed in a freezer at the Boyle Heights hospital. Morticians who received her body a few days later discovered that it was face down and the woman had a broken nose and disfiguring cuts and bruises to her face, according to court papers. One year later a pathologist concluded the woman had been frozen alive, “eventually woke up”… Read More »Frozen 2

General Liability in Liquor Cases

California, Law, Liquor Liability
March 6, 2014

General liability is a must have insurance coverage for business of any size, including commercial operations performed from a residence. However, even the most comprehensive insurance policy has gaps in coverage, for example most of the claims involving the alcohol sale or serving are excluded from coverage. And that my be a threat to your business, unless you request a Liquor Liability Insurance endorsement.
California’s high court has ruled that hosts who charge admission to parties may be held legally responsible if a drunken underage guest is hurt or injures someone else.
On March 4, 2014 the state Supreme Court said in the unanimous ruling that a cover charge amounts to a sale of alcohol, and state law creates liability for those who sell alcohol to clearly intoxicated youngsters.Read More »General Liability in Liquor Cases

California Lawmakers Approve School Planning For Abuse and Safety

California, Sexual Abuse and Molestation
August 30, 2022

UPDATE 08/30/2022: As of today we offer abuse and molestation coverage to all professions and services. Follow the link and answer only 2 questions to receive your accurate premium indication: Get Instant Abuse Insurance Indication Now

The California state Assembly has approved two bills that would require school districts to make detailed plans for reporting child abuse and prepare for violent incidents on campus.

AB135 by Democratic Assemblywoman Joan Buchanan of Alamo requires school districts to write a child abuse reporting policy that reflects current law and inform staff about it. Buchanan says abuse was reported to administrators at a So. Cal. elementary school where a teacher was charged with 23 counts of lewd conduct with students but was never reported to police. It passed Monday on a 74-0 vote.Read More »California Lawmakers Approve School Planning For Abuse and Safety

Commercial Kitchen Fire Safety

commercial grade kitchen equipment Operation of a commercial grade kitchen, many safety considerations should be addressed, including food safety, employee and volunteer safety, and fire safety. This blog post addresses the specific issues associated with providing adequate fire safety for your kitchen.

Commercial cooking operations are defined as kitchens that have cooking equipment that produce grease and grease laden vapors. This includes flat grills, char broilers and deep fat fryers. The typical residential range (electric or gas) would not be considered a grease producing appliance. Other equipment, such as ovens, microwaves and steam kettles also fall into the non-grease producing appliance category. The following is information regarding two of the most common types of equipment that produce grease and/or grease laden vapors.

Deep Fat Fryers

Deep fat fryers are a major cause of kitchen fires. Oil can splash and easily come into contact with an open flame from an adjacent piece of cooking equipment, such as a gas-fired range top. A 18-inch clearance must be maintained between the deep fat fryer and the open flame cooking equipment. If a 18-inch clearance is not possible, a vertical steel barrier extending 12 inches above the top of the deep fat fryer or open flame appliance(s) can be used as an alternative means of protection.Read More »Commercial Kitchen Fire Safety

Tips for avoiding slip, trip and fall accidents

Additional Insured, Building, Business Owners Package Policy, California, City, Claims, Coverage, Hartford, Home Business, Insurance claim or case example, Law, paperless advise, risk, risk management, tips, Travelers Insurance Company, workers compensation
December 6, 2013

Slips, trips and falls are a leading cause of injury for businesses and workplaces. Employees and other parties on your premises – visitors, customers, vendors, contractors and subcontractors – could be at risk for this type of accident or injury.

It is a common misconception that slip and fall injuries “just happen” and that there is little that can be done to prevent them. Years of experience show that proper slip, trip and fall prevention can help in reducing the number of injuries and in reducing loss costs.

California

Safe digging tips:Read More »April is National Safe Digging Month