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Insurance for Personal Trainers and Fitness Studios from $150/yr.

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.

The Growing Problem of Medical Identity Theft

The growing problem of medical identity theft and the havoc it wreaks with its victims is highlighted in a recent Bloomberg article. Medical identity theft victims are usually reticent to share the details of the crime since the theft is felt as such a personal violation. Details of the theft are shared here, as well as ID Experts’ investigative and restoration efforts on the victim’s behalf, including the challenges to unraveling the tangled web of medical identity theft. “Arnold Salinas knows a lot about the person who stole his identity. He’s 5-foot-9, 190 pounds. He pays for pizzas with forged… Read More »The Growing Problem of Medical Identity Theft

U.S. Releases New Health Insurance Reform Rules

The U.S. administration proposed new health insurance rules aimed at ending discrimination against the sick and guaranteeing minimum benefits for millions of Americans who are expected to obtain coverage under President Barack Obama’s healthcare reform law. The rules, unveiled by Health and Human Services Secretary Kathleen Sebelius, provide states and insurers with details about how the Obama administration intends to achieve its long-stated goals of guaranteeing access to those with preexisting conditions and making affordable coverage available to families through new online health insurance exchanges. The administration also proposed rules laying out new consumer protections for wellness and other preventive… Read More »U.S. Releases New Health Insurance Reform Rules

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

Top 10 Car Technologies

According to researchers at The Hartford and MIT, smart headlights, emergency response systems and reverse monitoring features rank highest in car technologies. As more and more of these features are incorporated into vehicles, we believe that it’s important for drivers to be knowledgeable of and use those technologies that can enhance safe driving capacity, comfort, and confidence. Smart headlights: adjust the range and intensity of light based on the distance of traffic and to reduce glare and improve night vision Emergency response systems: offer quick assistance to drivers in the case of a medical emergency or collision, often allowing emergency… Read More »Top 10 Car Technologies

Avoiding Liability on Your Website

The Internet provides a rich environment for creative communication. Used with care, it can assist in increasing product safety. But in their enthusiasm to capitalize on its power, some companies are increasing their liability potential. • A company president was not aware of a product on his company’s website. The marketing department put it there because it was a product they were thinking about developing. • A Vice President of Administration was unaware they even had a website. • Operator instructions normally in the manual provided with the product were posted on the website, but warning labels were left out.… Read More »Avoiding Liability on Your Website

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

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

Smartphone App for Workers’ Compensation

With this blog post we decided to start posting reviews about mobile applications related to insurance industry. Google wants to make our world digital – to have a soft copy of pretty much anything around us (and even inside us too). Insurance industry is barely catching up with the technology. And each small achievement in that area deserves cheers and signifies the progress we all make. Today we will look at a new workers comp. application from the University of Alabama at Birmingham. But there is a catch: the workers’ comp app isn’t really an app — it’s more app-like… Read More »Smartphone App for Workers’ Compensation

Ballot Health Insurance Companies Must Justify Their Rates

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