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Coverage

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

Counterfeit Fire Sprinkler Heads

Underwriters Laboratory (UL) has notified distributors, contractors, regulatory agencies, fire departments, & jurisdictional authorities of recently discovered counterfeit sprinkler heads. The  thermal bulb activated sprinkler heads, mimicking Nanjing Fire Protection Technology Company’s Fire Sprinkler Model NX005, can be identified by the “NX” or “C-I” markings on the wrench boss of the fire sprinkler frame. It may also have “model NX005” on the sprinkler deflector and bear the counterfeited UL Mark. Nanjing Fire Protection Technology Co Ltd do not have the “NX” or “C-I” markings on the wrench boss. As with all counterfeit products, the dependability of this sprinkler head is… Read More »Counterfeit Fire Sprinkler Heads

Workers Comp. Requirements in North Carolina

Workers’ compensation insurance is required in all 50 states, and North Carolina law requires businesses with three or more employees to buy insurance to cover expenses related to workplace injuries. The North Carolina Industrial Commission is tasked with administering the Workers’ Compensation Act. Despite the statutory requirements, an April 2012 Raleigh News & Observer investigation revealed that at least 30,000 North Carolina businesses are not providing the required workers’ comp coverage required. Employee misclassification and the misuse of workers’ comp ghost policies have become topics of concern among state regulators, government officials, the business community and the public. So-called “ghost” policies are… Read More »Workers Comp. Requirements in North Carolina

Insurance for Personal Trainers and Fitness Studios from $150/yr.

Insurance for personal trainers and fitness studios is specifically designed to meet the unique insurance needs of Fitness Trainers, Group Fitness Instructors, Spinning Instructors, Dance Instructors, Martial Arts Teachers, Pilates Instructors, and many more categories of fitness instruction without any restriction of age or gender of your students. Abuse and Molestation – INCLUDED!

The Fitness and Wellness Insurance program for Fitness Studios covers many types of studios including Aerobics, Exercise, Spinning, Fitness Training, Strength Training, and Pilates Studios with equipment. It also covers activities such as weightlifting, swimming, saunas, tanning booths, sport courts and group exercise. Dance Studios are eligible under Performing Arts.

Coverage available for:Read More »Insurance for Personal Trainers and Fitness Studios from $150/yr.

What insurance do dental labs really need?

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?

Coming Soon: Assault Weapons Liability for Sellers and Owners

A 2005 federal law that protects gun makers and sellers from liability for crimes committed with their products. But Democratic Senate President John Morse said he crafted the legislation to avoid legal challenges by setting different standards of liability for shooters, gun makers and sellers. Liability would be stricter for a shooter because attorneys would not have to prove negligence, according to summary of the language that will be included in the bill. Individuals would also be held liable if they were negligent and an assault weapon they owned was used in a crime. Sellers and manufacturers would be liable… Read More »Coming Soon: Assault Weapons Liability for Sellers and Owners

Insurance For Auto Dealers

We are happy to partner with an A rated admitted carrier to provide insurance for auto dealers including new and used franchised, non-franchised, with and without repair operations (as known as garagekeeper’s liability). The policy is written on a ISO Garage Coverage Form CA 00050306. Garage liability provides protection for bodily injury and property damage claims for which your dealership is held liable. Garage Liability is the foundation of any automobile dealer’s insurance program. Structured as a hybrid of automobile liability and premises liability, this essential protection is normally required by DMV to comply with license requirements. The following Covered… Read More »Insurance For Auto Dealers

The Next Insurance Storm is in The Cloud

Interesting article about cyber liability insurance and exposures on National Insurance Law Forum: The highest profile cyber incidents – such as major data breaches at Sony, Zappos, Global Payments, and Nationwide Insurance, and the disruption to Netflix’s service on Christmas Eve due to problems with Amazon’s cloud service – may dominate the news, but the bigger issue is just how pervasive such problems are. Every company that uses computing and networking technologies faces a variety of potential cyber liabilities, including: repair, restoration, or replacement of data or services; notification of affected customers of a data breach… Read full article

California Relaxes Laws so Entrepreneurs Can Sell Homemade Food

AB 1616 or the California Homemade Food Law relaxes the rules around community-based food production in private kitchens, provided certain regulations are met. California is taking its lead from 32 other states that have already passed similar legislation. If you want to sell you homemade food you most likely want to acquire an insurance policy that would cover such exposures (general and product liability) and operations (3rd party liability, kitchen coverage etc). Get instant insurance quotes online and compare coverage at https://www.paperless-insurance.com

Technology E&O coverage

Computer Related Services. Miscellaneous E&O. $500 Minimum Premium. Classes We Consider: Data Processing Help Desk Services Network Management Services Software Development Systems Integrators Web Page Design Web Presence Consulting Database Administration Internet Access Provider Programming Application Service Provider System Analysis & Design Computer Skills Training Web Page Hosting …and many more! Call us 877-239-0067 for a competitive quote today!