Hired Auto

Truck Brokers’ Contingent Liability

Designed to protect truck brokers in the event one of their contracted truckers has a coverage issue. Truck and freight brokerage operations need coverage for the exposures presented when their clients’ policies fail to respond. Our Truck Broker Contingent Liability product helps to service this segment of the industry. Coverages Contingent auto Contingent cargo E&O General liability Limits Truck Brokers… Read More »Truck Brokers’ Contingent Liability

Managing use of Non-Owned Personal Vehicles

Managing use of Non-Owned Personal VehiclesMany small businesses and other organizations furnish company owned vehicles for transportation needs including trucks, vans, buses and automobiles. However, it is not uncommon for staff and volunteers to drive their own personal vehicles for business-related transportation.

It is important to recognize that your business can be held liable for damages by allowing the use of non-owned personal vehicles for business purposes. In an effort to keep everyone safe, and to protect the organization from claims arising from the use of personal vehicles, the following safety precautions should be followed:

  • Restrict who is allowed to drive. Studies show that accident rates are higher for drivers under he age of 25 and over 70; therefore, drivers of personal vehicles should be between 25 and 70 years of age.
  • Require proof of automobile liability insurance. This should be obtained annually and kept on file. The following minimum auto liability limits should be required:
    • Bodily Injury Liability – $100,000 each person / $300,000 per occurrence and;
    • Property Damage Liability – $100,000 per occurrence.
  • Inform drivers that their personal automobile insurance is the primary coverage for any and all accidents and injuries that occur during the transport. They should contact their insurance company and inform them that they will be using their personal vehicle for business purposes.Read More »Managing use of Non-Owned Personal Vehicles

Commercial Kitchen Fire Safety

commercial grade kitchen equipmentOperation of a commercial grade kitchen, many safety considerations should be addressed, including food safety, employee and volunteer safety, and fire safety. This blog post addresses the specific issues associated with providing adequate fire safety for your kitchen.

Commercial cooking operations are defined as kitchens that have cooking equipment that produce grease and grease laden vapors. This includes flat grills, char broilers and deep fat fryers. The typical residential range (electric or gas) would not be considered a grease producing appliance. Other equipment, such as ovens, microwaves and steam kettles also fall into the non-grease producing appliance category. The following is information regarding two of the most common types of equipment that produce grease and/or grease laden vapors.

Deep Fat Fryers

Deep fat fryers are a major cause of kitchen fires. Oil can splash and easily come into contact with an open flame from an adjacent piece of cooking equipment, such as a gas-fired range top. A 18-inch clearance must be maintained between the deep fat fryer and the open flame cooking equipment. If a 18-inch clearance is not possible, a vertical steel barrier extending 12 inches above the top of the deep fat fryer or open flame appliance(s) can be used as an alternative means of protection.Read More »Commercial Kitchen Fire Safety

Driving safely in winter weather

driving in winter weatherFalling snow can be picturesque, but it can also wreak havoc on the roads. While no one enjoys driving in snowy or slippery conditions, there are steps you can take to help improve your safety.

Here are some guidelines that can help you stay safe when driving in adverse winter conditions:

  • Make sure your car is prepared for cold temperatures and winter conditions like snow and ice. Keep your equipment properly maintained and include a winter survival kit in your vehicle: an ice scraper, snow shovel and sand/salt. Jumper cables are also a good idea since batteries are prone to failure during cold weather.Read More »Driving safely in winter weather

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… Read More »No-Fault Auto Insurance Reform

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… Read More »Insurance For Auto Dealers

Identity Theft Risks After an Auto Accident

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… Read More »Identity Theft Risks After an Auto Accident

The Danger of Distracted Walking

Okay, we have said enough about the distracted driving. The cell phone use laws being adopted by the U.S. states are describing how and when the mobile phones can be used while driving. But what about pedestrians distracted with their smartphones? Can we blame them for major increase of fatal accidents involving pedestrians? Apparently yes. According to a recent report from the U.S. Department… Read More »The Danger of Distracted Walking

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

Read More »Protection for Water and Sewer Districts