In today’s interconnected, digital world, cyber threats continue to grow and represent a serious challenge to organizations of all sizes. National Cyber Security Awareness Month is a timely and powerful opportunity learn more about this critical topic. Whether a small business, municipality, technology company or a large publicly traded corporation, if an organization uses technology, it is at risk of a data breach or cyber attack.
Coverage 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
Owners of technology companies are often unaware of the difference between General Liability and Professional Liability insurance.
Watch video and learn more.
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?
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.
• 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
• 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
• Specialized equipment breakdown coverage and certified boiler and machinery inspections and consultations through carrier’s Boiler & Machinery
• Complimentary EPL hotline provides access to EPL attorneys* to answer your questions
• Discounts for employee training to help protect against “failure to train” exposures
• 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.
• Coverage to protect against cyber and ID fraud for entities that store data electronically
Did you know that the average organizational cost for data breach in 2011 was $5.5 million and the average cost per compromised record was $194*? With a growing body of law directed at protecting personal information, our carriers are constantly looking for ways to improve cyber liability offerings so that our customers have the best coverage in place to protect their businesses. We are excited to introduce the enhanced version of The Hartford’s CyberChoice 1.0® Policy. Now known as The Hartford Data Privacy ~ Network Security Liability Insurance Policy, this policy builds industry leading terms onto one superior platform. Reliable… Read More »Enhanced Cyber Coverage
Protecting Against Consumer Identify Theft The use of credit and debit cards and electronic payments has become a way of life for public and private businesses and their customers. With this, vulnerabilities to credit card fraud and identity theft have increased. To help improve credit and debit card security, the credit card industry and federal and state governments have set standards and regulations. Fair and Accurate Credit Transactions Act and Receipt Requirements Congress passed the Fair and Accurate Credit Transactions Act of 2003 (FACTA), significantly amending the Fair Credit Reporting Act (FCRA). Effective Dec. 4, 2006, 15 U.S.C. §1681c amended the act to require any… Read More »What Every Business Owner Should Know About Credit Card Protections
The Internet provides a rich environment for creative communication. Used with care, it can assist in increasing product safety. But in their enthusiasm to capitalize on its power, some companies are increasing their liability potential. • A company president was not aware of a product on his company’s website. The marketing department put it there because it was a product they were thinking about developing. • A Vice President of Administration was unaware they even had a website. • Operator instructions normally in the manual provided with the product were posted on the website, but warning labels were left out.… Read More »Avoiding Liability on Your Website
The hardening insurance marketplace has led to a great deal of success for us in a variety of our niches recently. We continue to develop new products at the same time. Below are several items we wanted to highlight: 1) Apartments / Lessors Risk (Office Exposure – Real estate schedules that generate more than $100,000 in premium in the “better weather” states have been a good fit for us recently. We are interested in the properties that are built after 1980 and located in the western US for the most part. If it is large and we can write casualty… Read More »Business Insurance Market Update
While cloud computing may seem vague and confusing, the National Institute of Standards and Technologies recently completed a working definition for the term after years of work and 15 drafts. So what is Cloud Computing? According to the official NIST definition, “cloud computing is a model for enabling ubiquitous, convenient, on-demand network access to a shared pool of configurable computing resources (e.g., networks, servers, storage, applications and services) that can be rapidly provisioned and released with minimal management effort or service provider interaction”, with the following 5 characteristics: • On-demand self-service • Broad network access • Resource pooling • Rapid… Read More »Insuring Cloud Computing