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?
A.M. Best Europe-Rating Services Ltd. has upgraded its issuer credit rating to a+ from a for several units of Hiscox. Citing the financial strength of the parent company, the insurance ratings firm upgraded the ratings of Bermuda-based Hiscox Insurance Co. (Bermuda) Ltd., U.K.-based Hiscox Insurance Co. Ltd. and Guernsey-based Hiscox Insurance Co. (Guernsey) Ltd. Moreover, AMBest credited Hiscox’s consolidated risk-adjusted capitalization and underwriting performance, noting that the group has an average five-year combined ratio of approximately 90%. The ratings firms also singled out Hiscox’s strength in the Lloyd’s of London market. What that means for you? It means that you… Read More »Best upgrades Hiscox issuer credit rating
Several California admitted insurance companies are going to file new rates with the California Department of Insurance for workers’ compensation policies effective in July 2020. To see a comparison of averages rates and to learn more about how these changes affect premium, go to www.paperless-insurance.com and click on “Get a Quote Now”. As you are shopping for the renewal, it is important to keep in mind that not all rates change uniformly. Rates for some policyholders will go up and some will go down. Knowing how much your renewal rates are changing could be valuable information to have as you… Read More »CA Work Comp Carriers Change Rates
Broadband and information technology are powerful factors in small businesses reaching new markets and increasing productivity and efficiency. However, businesses need cybersecurity tools and tactics to protect themselves, their customers, and their data from growing cyber threats. Here are ten key cybersecuritytips for businesses to protect themselves: 1. Train employees in security principles Establish basic security practices to protect sensitive business information and communicate them to all employees on a regular basis. Establish rules of behavior describing how to handle and protect customer information and other vital data. Clearly detail the penalties for violating business cybersecurity 2. Protect information, computers and… Read More »Eleven Cybersecurity Tips for Small Businesses
CNA’s Spa & Pool Contractors Program (SPLASH) has been expanded to the middle market segment in Texas. CNA’s SPLASH program offers coverages for an array of customers, including builders or installers of swimming pools, spas and hot tubs as well as pool plasterers; and for service, maintenance and repair work (i.e., cleaning, painting, resurfacing, winterizing, etc.) done exclusively for the swimming pool, spa and hot tub industry. Retail and wholesale operations which meet this criteria are also eligible within the Middle Market program. CNA recently earned the endorsement of the Northeast Spa and Pool Association (NESPA), an organization with more… Read More »SPA and Pool Insurance Coverage in Texas