Illinois

Florida is joining the ranks of other states and allow drivers to show law enforcement officers their proof of automobile insurance through their cell phone and other electronic means.

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

Protection for Water and Sewer Districts

Alabama, Alaska, Arizona, Building, Business Owners Package Policy, California, CGL Commercial General Liability, Cincinnati, Colorado, Connecticut, Coverage, Cyber Liability, D&O, Data Breach Coverage, Delaware, Directors and Officers, Earthquake, EPLI, Flood, Florida, Georgia, Hawaii, Hired Auto, Idaho, Illinois, Indiana, Insurance Companies, Insurance Coverage, Insurance News, Insurance Rates and Premium, Interruption, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Nebraska, Nevada, New York, Non-Owned Auto, North Carolina, North Dakota, Ohio, Paperless World, Personal Injury, Pollution Liability, Product Liability Insurance, Product Recall, Professional Liability / E&O, risk management, South Carolina, South Dakota, State, Technology, Tennessee, Texas, Umbrella, Unique Insurance Coverage, Virginia, Washington
June 22, 2020

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

Increases for Liability Insurance for Construction Firms

The commercial general liability market for the U.S. construction industry continues to firm with underwriters seeking rate increases of up to 15 percent, according to a report published by Marsh. Construction firms with poor loss histories are experiencing even larger liability rate increases and in some cases receiving non-renewal notices from their underwriters. After nearly a decade of rate declines, insurers also are typically seeking to raise rates on umbrella and excess liability insurance of between 8 and 10 percent, according to Marsh’s August 2012 Construction Market Update. According to the report, rates for project-specific general liability, general liability wraps,… Read More »Increases for Liability Insurance for Construction Firms

Laws Regarding the Recording of Phone Calls

California, Connecticut, Florida, Illinois, Insurance Companies, Insurance Coverage, Insurance News, Insured, Law, Maryland, Michigan, Nevada, paperless advise, risk management, Study, Terminology, tips, Washington
July 2, 2012

Many businesses and other organizations record their phone calls so that they can document business transactions, train their employees, and improve customer service. It is extremely important to seek legal advice from an attorney if you are considering recording telephone calls or oral communication between parties. This article is not meant to serve as legal advice. However, we want to remind that there are federal and state laws regarding this practice. Florida, for example, is a “two-party consent” state, which requires that all parties of a conversation must give consent when one party wants to record a phone conversation. This includes the… Read More »Laws Regarding the Recording of Phone Calls

New Enhancements to Real Estate E&O Program

We are proud to announce that we’re now offering an exclusive Real Estate Errors and Omissions Liability protection. Easy Way to Quote and Bind Online We offer an advanced and intuitive online application that allows to facilitate the quotation, binding and policy issuance process for our customers. For qualified applicants, a quote and policy may be processed in minutes. Coverage Features We’re confident that our program will bring you superior underwriting and service. That said, the policy’s coverage will remain packed with coveted features and include 2 free hours of access to a toll-free, confidential risk management hotline and, for qualifying risks, new coverage… Read More »New Enhancements to Real Estate E&O Program

Workers Compensation System in Illinois is Uncertain

Illinois, workers compensation
June 1, 2011

Illinois lawmakers continued to grapple Tuesday with legislation that would change the state’s workers compensation system, including the possibility of abolishing the system. The Illinois House on Sunday failed to pass H.B. 1698 on a 55-39 vote, with the bill needing 60 votes to win approval of the measure that would have made sweeping changes in the state’s workers comp system. The bill had passed the Illinois Senate on a 46-8 vote on Saturday. Proponents of the reform said it would have cut between $500 million to $700 million a year from the program’s cost by reducing medical provider rates by… Read More »Workers Compensation System in Illinois is Uncertain