Insurance in 10 years will look very different from today – faster, smarter, more responsive, and more customer-centric. But these changes aren’t waiting for the future. They’re already underway. Whether you’re a carrier, a policyholder, or a business partner, now is the time to understand these shifts and adapt.
Menorahs and Christmas trees light up Main Streets across America during the holidays, but there are risks associated with these decorations. Risk management professionals and insurance agents can help business owners understand how to keep their stores festive yet hazard free during the holidays.
The holidays usually bring several things to a small business – more foot traffic, celebratory decorations and additional staff to help with boosted sales. However, with added customers and distractions, slips and trips are never far away. So when getting into the holiday spirit, you should make safety a priority.Read More »Preparing your business for potential holiday hazards
The Hartford has enhanced its FailSafe suite of professional liability offerings to address the evolving needs of technology companies with expanded coverage for data, systems and networks. “Professional liability is one of the most significant risks for technology companies today,” said Joe Coray, vice president of The Hartford’s Technology & Life Science Practice. “An alleged failure of a product or service that causes economic loss to a client’s business can result in a costly lawsuit and reputational damage.” According to The Hartford’s data, professional liability claims against technology companies average more than $200,000*. Most of these claims include allegations of… Read More »The Hartford Broadens Professional Liability Offerings for Tech Companies
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.
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
Each year, millions of Americans become victims of a car crash that causes mess on their day (and often their body and vehicle.) Auto accidents are stressful situations that can lead us to reveal more of our personal information to strangers than necessary. Even small fender benders can cause long-term pain if a friendly exchange of info leads to a compromise of one’s most sensitive personally-identifying data. A recent survey taken by the National Association of Insurance Commissioners (NAIC) revealed that many of us don’t know the proper steps to take after an accident, and most of us share too… Read More »Identity Theft Risks After an Auto Accident
Yes! It happens right now. We witness a great moment of the history! Gov. Jerry Brown made California the seventh state in the nation to allow drivers to show proof of insurance coverage using their smart phone. Brown on Friday signed Assembly Bill 1708, a bill authored by Assemblyman Gatto, which will give drivers the option to show proof of financial responsibility electronically using a mobile electronic device. “Governor Brown just brought proof of coverage into the 21st Century by signing AB 1708,” said Armand Feliciano, with the Association of California Insurance Companies. “California has long been known as ground zero… Read More »California Signs Electronic Proof Of Insurance Bill
Initiative To Make Health Insurance Companies Publicly Justify Their Rates Qualifies for the California Ballot – Excessive Rates Could End In 2012 Santa Monica, CA – The California Secretary of State announced on 08/24/2012 that a ballot initiative to require health insurance companies to publicly justify and get approval for rate increases before they take effect has qualified for the 2014 ballot. The Insurance Rate Public Justification and Accountability Act made the ballot after county registrars of voters certified that more than 549,380 valid signatures from California voters were submitted by Consumer Watchdog Campaign. The initiative would require health insurance… Read More »Ballot Health Insurance Companies Must Justify Their Rates
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
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