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California

California Signs Electronic Proof Of Insurance Bill

Yes! It happens right now. We witness a great moment of the history! Gov. Jerry Brown made California the seventh state in the nation to allow drivers to show proof of insurance coverage using their smart phone. Brown on Friday signed Assembly Bill 1708, a bill authored by Assemblyman Gatto, which will give drivers the option to show proof of financial responsibility electronically using a mobile electronic device. “Governor Brown just brought proof of coverage into the 21st Century by signing AB 1708,” said Armand Feliciano, with the Association of California Insurance Companies. “California has long been known as ground zero… Read More »California Signs Electronic Proof Of Insurance Bill

Increases for Liability Insurance for Construction Firms

The commercial general liability market for the U.S. construction industry continues to firm with underwriters seeking rate increases of up to 15 percent, according to a report published by Marsh. Construction firms with poor loss histories are experiencing even larger liability rate increases and in some cases receiving non-renewal notices from their underwriters. After nearly a decade of rate declines, insurers also are typically seeking to raise rates on umbrella and excess liability insurance of between 8 and 10 percent, according to Marsh’s August 2012 Construction Market Update. According to the report, rates for project-specific general liability, general liability wraps,… Read More »Increases for Liability Insurance for Construction Firms

Sexual Abuse Awareness

No one ever wants a child or client to be harmed. Sometimes, however, we can miss child safety keys and best practices. We suggest that employer will educate himself on effective, efficient, and inexpensive tools one can use to reduce the risk of sexual abuse in his company. In particular, we want to bring your attention to the following topics: The definition of sexual abuse Common errors and misconceptions related to sexual abuse and sexual abusers Abuser characteristics Grooming process (grooming children and gatekeepers) Common grooming behaviors Peer on peer abuse Impact on children – long and short term Reporting responsibilities –… Read More »Sexual Abuse Awareness

Electronic Proof of Car Insurance

Have you ever got a ticket because you did’t have the proof your current insurance coverage (ID card) with you? Well, good news for residents of 7 U.S. states. As of today – August 6, 2012, 7 states have passed Electronic Proof of Insurance Laws. Alabama Arizona California Colorado Idaho Louisiana Minnesota Mississippi and Maryland have a version of these laws before their state Assemblies. A Great Step Forward for You These laws all make an electronic image of the paper copy of a Proof of Insurance card a legal proof of insurance.  Louisiania’s wording is typical… ” an image of… Read More »Electronic Proof of Car Insurance

What “Sunset clauses” in Insurance Policy Means?

The idea of limiting the reporting period for claims is old and relatively self-explanatory. You, as insured have a limited period in which to report a claim potentially covered under your liability policy. Any claim reported after a certain period of time may not be covered. The amount of time a claim may be reported differs between policies and carriers. The operative language is typically attached to a policy as an endorsement. However, a new “statutes of repose” related to residential construction defects was announced recently. These relatively new statutes, that took effect Jan. 1, 2003, provide the time in which… Read More »What “Sunset clauses” in Insurance Policy Means?

Laws Regarding the Recording of Phone Calls

Many businesses and other organizations record their phone calls so that they can document business transactions, train their employees, and improve customer service. It is extremely important to seek legal advice from an attorney if you are considering recording telephone calls or oral communication between parties. This article is not meant to serve as legal advice. However, we want to remind that there are federal and state laws regarding this practice. Florida, for example, is a “two-party consent” state, which requires that all parties of a conversation must give consent when one party wants to record a phone conversation. This includes the… Read More »Laws Regarding the Recording of Phone Calls

Top 10 States for State Farm Dog Bite Claims in 2011

State Number of claims Claims paid (estimated) 1. California 527 $20.3 million 2. Illinois 309 $10.0 million 3. Texas 219 $5.1 million 4. Ohio 215 $5.4 million 5. Pennsylvania 197 $4.9 million 6. Michigan 181 $7.0 million 7. Florida 157 $5.1 million 8. Indiana 139 $3.5 million 9. New York 133 $6.1 million 10. Minnesota 117 $3.5 million Want to get a quote for your Homeowners’ Insurance? Visit our website or call 877-239-0067.

Heat Exhaustion and Heat Stroke

When working outdoors in hot weather, workers who do not take precautions can suffer from heat exhaustion or heat stroke. Heat exhaustion is caused by prolonged exposure to high temperatures and Inadequate fluid replacement. Heat stroke is the most severe of heat-related problems. It is potentially life threatening because the body’s normal mechanisms for dealing with heat stress, such as sweating and temperature control are lost. The following are the symptoms of these diseases and the steps needed to help the victim. Heat Exhaustion Symptoms: The first signs of heat exhaustion are dizziness, weakness, headache, blurred vision, nausea, and staggering.… Read More »Heat Exhaustion and Heat Stroke

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

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