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Hartford Insurance Company Expands Coverage For Healthcare Providers

As the aging population and advances in medical technology fuel the healthcare industry’s rapid expansion, providers face new growth opportunities and specialized protection needs. To help healthcare administrators address these needs, The Hartford Financial Services Group, Inc., has expanded its portfolio of insurance products and services for healthcare providers with tailored coverage designed specifically for healthcare facilities. “Healthcare service providers have a broad range of insurance and risk management needs, from protecting their property, medical equipment and computer records to ensuring patient and staff safety,” said Lisa Morgan, senior vice president of The Hartford’s Middle Market commercial insurance business. The… Read More »Hartford Insurance Company Expands Coverage For Healthcare Providers

You’ve Been Served, Brazoria County, TX

The Texas Supreme Court has determined that a lawsuit filed against a “governmental unit” within six months of an incident can be regarded as sufficient notice under the Texas Tort Claims Act. The high court’s ruling reverses the dismissal by the Court of Appeals for the 14th District of Texas of a suit against a Texas county. The case was remanded back to the trial court. In Glenn Colquitt v. Brazoria County, NO. 09-0369, the Texas Supreme Court found that because all of the pertinent details that are required in notice to a governmental unit in Texas when filing a claim… Read More »You’ve Been Served, Brazoria County, TX

Zurich Settles Half a Billion Claim

Zurich Financial Services Ltd. and its Farmers Group Inc. subsidiary are paying $455 million to settle a class-action lawsuit challenging management service fees paid to Farmers, Zurich said Thursday. Law suite details you can read on your own – Google is your friend. We just want to point to your attention that Zurich and Farmers Group “do not accept that there is any basis” for the claims regarding the management fees, but Zurich said it decided to settle “in order to provide certainty to its shareholders and clarity to customers as well as to avoid the risks and significant exposure of… Read More »Zurich Settles Half a Billion Claim

Ban of Texting While Driving Didn’t Reduce Crashes

As for me – it’s too early to judge… As for me, it’s too complicated to prosecute. As far as I can see – people still use their cellphones while driving. They talk and text, and get in trouble. How many time have you noted someone, whose driving style was insulting least to say… and then you noticed that person was on the phone? Although, it’s believed that talking on speakerphone is okay and safer, still road hazards are there, waiting for us to happen. However, a study released Tuesday by the Highway Loss Data Institute found no reductions in… Read More »Ban of Texting While Driving Didn’t Reduce Crashes

Poor Service Leads to Fraudulent Insurance Claims: Survey

More than half of U.S. consumers say poor service from an insurance company is more likely to cause an individual to commit fraud against that company, according to a survey by Accenture. The survey also reveals a significant increase in claims filed, with nearly half of U.S. adults saying they had filed property/casualty insurance claims at some time, up from less than one-third in a similar survey conducted in 2003. The proportion of individuals who have filed an insurance claim increases with age and income the survey shows. For example, among people over 55, more than 60% have filed a… Read More »Poor Service Leads to Fraudulent Insurance Claims: Survey

Workers’ Comp Fraud and You: Don’t Get Cheated

Fraud can take several forms in workers’ comp, but the bottom line is the same: >>>>>>>>>>>>>>Someone is trying to cheat the system to gain an unfair advantage. • Employees may commit claimant fraud by attempting to obtain workers’ compensation benefits to which they’re not entitled. • Employers may commit premium fraud by intentionally misrepresenting their payroll, the nature of their work, or their number of employees. • Medical practitioners and other service providers may commit provider fraud through falsified or unwarranted billing practices. As an employer, you can make a difference in  preventing fraud: 1. Educate your employees about workers’… Read More »Workers’ Comp Fraud and You: Don’t Get Cheated

Pregnancy Discrimination

As reported by WorkForce.com (full article: http://www.workforce.com/section/00/article/27/30/48.php_ A pregnant welder who was transferred from her job can pursue pregnancy discrimination and Americans   with Disabilities Act claims, a divided (2-1) federal appeals court has ruled in largely overturning a lower   court decision. However, a panel of the 6th U.S. Circuit Court of Appeals in Cincinnati upheld the lower court’s ruling in   Heather Spees v. James Marine Inc. and JamesBuilt L.L.C. that dismissed Spees’ claim that her subsequent   termination also constituted pregnancy discrimination. According to the ruling, Spees was hired in 2007 to work as a welder at… Read More »Pregnancy Discrimination

Low Cost Liability Insurance for Consultants

The Hartford Financial Services Group, Inc. now offers a miscellaneous professional liability policy with premiums beginning at less than $1,000. The Hartford offers miscellaneous professional liability coverage through its Hartford Financial Products (HFP) unit. The coverage is available as a stand-alone policy or as part of the company’s Private Choice Encore!! Policy. The miscellaneous professional liability policy is designed for small firms that provide advice or services requiring specialized knowledge. Generally, these firms generate less than $1 million in revenue and have fewer than 10 employees. They represent a range of industries, including marketing or management consultants, executive coaches, career… Read More »Low Cost Liability Insurance for Consultants

“Your Work” Exclusion on CGL Policy

Insurance isn’t a warranty. It doesn’t replace faulty work or products, but it does cover the Bodily Injury (BI) and Property Damage (PD) caused by the faulty work or product. The exclusion of faulty work often referred to as “your work”. One of the most contested provisions of the commercial general liability (CGL) policy is the provision excluding coverage for property damage to the insured’s completed work. In 1986 Insurance Services Office, Inc. (ISO), revised the standard CGL policy form to include an exception to this exclusion if a subcontractor performed the work for the insured. This revision has become… Read More »“Your Work” Exclusion on CGL Policy