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In-land Marine

Preparing your business for potential holiday hazards

prepare businessMenorahs 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

September is National Preparedness Month

A recent Travelers survey found that 48% of small business owners do not have a written business continuity plan. That’s especially troublesome considering that The American Red Cross estimates as many as 40% of small businesses do not reopen after a major disaster. We have partnered with Travelers Insurance Company to offer Business Continuity tools that help business owners plan for the unexpected so they do not become part of a statistic. You can start building your plan today using resources on Small Business Safety, Protecting Your Business, Plan Ahead, at travelers.com pages. Should you have any questions, please feel… Read More »September is National Preparedness Month

Earthquake Deductible Buyback in California

A few facts about earthquake insurance: Fact I:  Most residential insurance policies do not cover earthquake damage – a separate earthquake policy is required. Without earthquake insurance to help you cover the costs of repairs and other expenses that come with catastrophic damage, you will pay out-of-pocket to fix your home, to replace your personal property, and to live and eat elsewhere. Fact II:  Most earthquake insurance policies feature a high deductible, which makes this type of insurance useful if the entire home is destroyed, but not useful if the home is merely damaged. Rates depend on location and the… Read More »Earthquake Deductible Buyback in California

Small Business Safety Tips: Business Property

Possible accidents: Fire occurs due to outdated or old wiring damaging both the building your business owns and some of your equipment inside A roof leak causes significant damage to the goods in your warehouse Computers and media equipment are stolen from your place of business over the weekend How can I protect my building/premises, equipment, and materials from water damage and fires? The following questions point out basic building maintenance and fire prevention controls that should be in place: Is the building’s exterior structure, including all equipment, in good condition? Are drain pipes, signs, tanks, fences, canopies, etc. secured?… Read More »Small Business Safety Tips: Business Property

Our March Success List

NEW YORK – Restaurant Supply Store – Metal Goods Manufacturing for Restaurants/Bars/Hotels – Very large slip and fall loss 2 yrs prior – $20,000 Premium – NY – Household goods mover MTC account – Trucker’s GL also separately placed – $800 Premium – NY CALIFORNIA – Large Pallet MFG for $13K in premium in CA. – Large Used Car Dealership in CA for $35K. – Large ($50 Million) TIV Vacant Building – 25 Rental Dwellings to “flip” – CA – $10,500 Premium – Door and Window MFG – CA – $4,000 Premium – Excess added for $750 to Premium FLORIDA,… Read More »Our March Success List

Most Cargo Theft Risk Countries

Mexico, Brazil and South Africa are most at risk for cargo theft, FreightWatch International (USA) Inc. said Monday in a report. Total cargo thefts in Mexico increased 13% in 2011, with more than 10,000 hijackings occurring on roads and highways reaching an estimated value of losses of $9 billion, according to the Austin, Texas-based logistics security agency. 21% of all theft incidents targeted the food and drink industry. The overall average loss value per theft incident increased 23%, to $189,510 from $154,000, during the 2010-2011 reporting period. Paperless Advise: your ocean marine and inland marine cargo insurance policy will provide… Read More »Most Cargo Theft Risk Countries

Cargo Elite by Travelers – Simply the Best

Travelers Cargo Elite® policy provides outstanding coverage for importers and exporters, including automatic “all risk”* coverage for international shipments of new merchandise – even for goods your client has never shipped before. Benefit from a policy that offers an extensive range of coverage features, streamlined reporting and the ability to issue online special policies anywhere, anytime. Cargo Elite Coverage Highlights: Policyholders have full rights to the possession and control of all damaged goods. If a loss is not immediately apparent at the time of delivery, Travelers coverage applies to the discovered loss up to 60 days after arrival to the… Read More »Cargo Elite by Travelers – Simply the Best

A Big Success with Ocean Express

Below is a small sample of some new Ocean Cargo accounts. Goods Shipped State Premium Auto Parts FL $5,000 Clothing UT $2,324 Computers & Hardware CA $2,686 Furniture NC $2,033 Machinery Parts IA $2,239 Office Equipment PA $1,968 Plumbing Supplies NC $3,383 Promotional Items IL $2,100

Make Sure to Insure Your Cargo in California

Very surprising news we got today from the Golden State:  California led the nation in cargo thefts last year, with 247 of 747 thefts in the U.S. that were estimated at $171 million, according to a report released last week by the National Insurance Crime Bureau. Texas was the next most-targeted state for cargo thefts, with 91 in 2010. There also were 66 in Florida, 56 in Illinois, 40 in Tennessee and 39 in Georgia, according to the Des Plaines, Ill.-based NICB’s ForeCAST Report.  Electronics were most often the target of cargo theft, with 139 incidents. There were 108 cases… Read More »Make Sure to Insure Your Cargo in California