Skip to content

Coverage

Travel Insurance for Thanksgiving 2013

Have you started planning your Thanksgiving weekend? Can’t wait to finally join your family at the festive dinner table? There are hundreds of circumstances that could cause you to cancel your holiday trip, return home early or force you to seek emergency medical treatment while traveling. Anything could go wrong: It’s 9:30 PM and you and your immediate family arrive at the airport for a connecting flight, only to find that your flight has been cancelled. Who can assist you with finding new flights to get everyone home? Your bag was lost with your medicine inside. You need help to… Read More »Travel Insurance for Thanksgiving 2013

Coverage options for your barber and beauty business

Beauty Salon Parlor InsuranceCoverage 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

Read More »Coverage options for your barber and beauty business

How to Prepare Your Home Before Your Vacation

Vacation is a time to escape for a little rest and relaxation, but it’s also the time thieves increasingly break into empty homes. According to recent claims data from insurance company Travelers, theft increases during the summer months largely because more people are away. But it’s not only criminals you have to worry about while you are kicking back, you also have to be concerned about…
Read More »How to Prepare Your Home Before Your Vacation

Travelers Introduces TravPay

TravPay Header BannerTravPay:

  • is a pay-as-you-go solution for your business to link your payroll directly to your workers compensation premiums, eliminating the guesswork of trying to estimate annual payrolls.
  • allows for real-time workers compensation premium calculations based on your reported payrolls.
  • requires no down payment and can help improve cash flow for your business.
  • is a FREE billing option available exclusively for Travelers business customers.

Frequently Asked Questions:
Read More »Travelers Introduces TravPay

Faulty Workmanship Coverage Endorsement

What is the Faulty Workmanship Coverage Endorsement? Contractors Faulty Workmanship Coverage is a new and unique endorsement that provides a $10,000 limit to protect your clients against claims arising out of faulty workmanship, materials or products. These claims would otherwise be excluded by the “business risk” exclusions found in every standard ISO Commercial General Liability policy. In states that require a contractors license bond, claims arising out of faulty workmanship, materials or products may also be made against the contractor’s license bond. If the bonding company pays any such claim, the contractor must repay the bonding company. The contractor’s failure… Read More »Faulty Workmanship Coverage Endorsement

Private Choice Ovation – Comprehensive Insurance Protection

Today’s complex economic, regulatory and legal climate leaves little margin for error in running a business. Do you have the necessary comprehensive insurance protection needed to defend against all of the exposures you can face running a business in this environment? Paperless Insurance Services in partnership with A+ rated Hartford Insurance Company is excited to introduce Private Choice OvationSM (Ovation), a new and enhanced management liability coverage offering from The Hartford. Designed to help protect businesses from unforeseen loss, Ovation offers an exclusive suite of products with customizable coverage parts and limits to meet your client’s specific business needs. These coverages can help… Read More »Private Choice Ovation – Comprehensive Insurance Protection

Patient Safety is Top Concern for Hospital Leaders

The lack of teamwork combined with a negative culture and poor communication in hospitals today presents a barrier when it comes to patient safety in the future, according to a new survey. The survey results revealed a tension between what hospital leaders perceive as their number one priority in 2013, patient safety (64% C-Suite and 62% risk managers), and their number one threat, failing to maximize financial sustainability (60% C-Suite and 62% Risk Managers). The survey, commissioned by American International Group (AIG) in consultation with patient safety expert, Dr. Marty Makary, MD, MPH, found that while nearly all respondents (96%… Read More »Patient Safety is Top Concern for Hospital Leaders

No-Fault Auto Insurance Reform

According to a recent statewide poll commissioned by the Coalition for Auto Insurance Reform (CAIR), an overwhelming number of Michigan voters believe their auto insurance premiums are too high and support no-fault reform legislation that would lower their auto insurance costs. The poll revealed that voters are concerned about the high cost auto insurance – 70 percent said their auto insurance premiums were too high. The belief that auto insurance rates are too high is shared by voters across all age groups, political parties and beliefs, especially among the following demographics: 88 percent of Detroiters 75 percent blue collar workers… Read More »No-Fault Auto Insurance Reform

Important Federal Fines Coverage for your Nonprofit Social Service Organizations

The Nonprofit D&O Liability Program includes Coverage for Specific Federal Fines and Penalties. A common exposure that social service organizations face that is not typically covered by most D&O programs are the federal fines and penalties that can be levied against 501(c)(3) entities for alleged violations of: IRS Code section 66652(C)(1)(a) for failure to file annual 990 tax returns Public law 108-187 (CAN-Spam Act of 2003) The 1976 Lobby Law or Lobbying Disclosures Act of 1995 regulating lobbying activities Our program can provide a specified amount to pay for these fines and associated defense costs. This is just one of… Read More »Important Federal Fines Coverage for your Nonprofit Social Service Organizations

Northern California Business Owner Sentenced For Premium Fraud

A Northern California business owner has been sentenced for workers’ compensation insurance premium fraud and pay over $2 million in restitution to insurers, the California Department of Insurance announced on Wednesday. Teresa R. of Redwood City, Calif., who originally plead no contest to eight felony counts, was sentenced in San Mateo County Superior Court to serve one year in jail, five years of probation as well as being ordered to pay over $2 million in restitution to the insurers that she defrauded. In 2011 R.f was president of Genesis Building Services Inc. which operated a janitorial and pest control company… Read More »Northern California Business Owner Sentenced For Premium Fraud