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‘Right to Repair’ Statutes: the Fix to Construction Defect Litigation

“Right to Repair” In the United States More than thirty states have enacted legislation that requires homeowners to notify builders of claimed defects and to provide them with an opportunity to repair the defects before the owners initiate legal proceedings. These “right to repair” statutes are the legislatures’ response to the increased filing of time-consuming and expensive construction defect lawsuits. Right to repair statutes provide an avenue to avoid litigation whereby the builder can address the homeowner’s claimed defects and attempt to repair the defects and allow homeowners to seek repairs without having to file a lawsuit. In general, right… Read More »‘Right to Repair’ Statutes: the Fix to Construction Defect Litigation

Someone has to be responsible…

Butterfly EffectOften times our prospective clients tell: – “I wouldn’t worry about this…” or “I wouldn’t worry about that particular issue with my coverage… How likely people are going to sue me for something I should not be responsible for?”

Well, our answer is something most people are not going to like:

– In United States of America everyone with a slightest chance your operations/negligence/products have something to do with the accident or claim that occurred is to be found responsible.

For example,

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State-specific Resources for Workers Compensation

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

National

Alabama

Alaska

Arizona

Arkansas

California

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States Allowing Electronic Proof of Auto Insurance

According to the Property Casualty Insurers Association of America, the following are states that have adopted e-card laws and/or regulations are:

US Map

 

  1. Alaska
  2. Arkansas
  3. Colorado
  4. Florida
  5. Georgia
  6. Illinois
  7. Indiana
  8. Iowa
  9. Kansas
  10. Kentucky
  11. Maine
  12. Mississippi
  13. Missouri
  14. North Dakota
  15. Oklahoma
  16. Oregon
  17. Pennsylvania
  18. Tennessee
  19. Texas
  20. Utah
  21. Washington
  22. Wisconsin
  23. Wyoming

Florida is joining the ranks of other states and allow drivers to show law enforcement officers their proof of automobile insurance through their cell phone and other electronic means.

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2013 Hurricane Prediction

The Colorado State University team is predicting an above-average 2013 Atlantic basin hurricane season with 18 named storms and a 72 percent chance one will make landfall somewhere along the entire Eastern seaboard. Nine of those 18 named storms are expected to become hurricanes and four of those major hurricanes (Saffir/Simpson category 3-4-5) with sustained winds of 111 mph or greater. The activity will be due primarily to anomalous warming of the tropical Atlantic and expected lack of an El Nino event, the researchers said. The hurricane forecast team’s probabilities for a major hurricane making landfall on U.S. soil in… Read More »2013 Hurricane Prediction

Insurance for Alcohol and Drug Treatment Centers

Alcohol & Drug Rehabilitation facilities provide medical assistance and behavioral and nutritional counseling to individuals who are in need of substance abuse services. Eligible risks may include Outpatient Alcohol & Drug Counseling, Rehabilitation Centers, Halfway Houses Inpatient, Methadone, Early Release Prisoner Programs (Alcohol & Drug related offenses only) and Outpatient Detox. Clinics may also be included as an eligible class when the clinic is only a part of the facility’s overall services. Our program includes a Package, General & Professional Liability, Property, Umbrella, Auto (some restrictions may apply) and Abuse & Molestation. Our pro- gram also offers Coverage Endorsements &… Read More »Insurance for Alcohol and Drug Treatment Centers

Protection for Water and Sewer Districts

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

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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

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

New Enhancements to Real Estate E&O Program

We are proud to announce that we’re now offering an exclusive Real Estate Errors and Omissions Liability protection. Easy Way to Quote and Bind Online We offer an advanced and intuitive online application that allows to facilitate the quotation, binding and policy issuance process for our customers. For qualified applicants, a quote and policy may be processed in minutes. Coverage Features We’re confident that our program will bring you superior underwriting and service. That said, the policy’s coverage will remain packed with coveted features and include 2 free hours of access to a toll-free, confidential risk management hotline and, for qualifying risks, new coverage… Read More »New Enhancements to Real Estate E&O Program