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Private Choice Ovation – Comprehensive Insurance Protection

Today’s complex economic, regulatory and legal climate leaves little margin for error in running a business. Do you have the necessary comprehensive insurance protection needed to defend against all of the exposures you can face running a business in this environment? Paperless Insurance Services in partnership with A+ rated Hartford Insurance Company is excited to introduce Private Choice OvationSM (Ovation), a new and enhanced management liability coverage offering from The Hartford. Designed to help protect businesses from unforeseen loss, Ovation offers an exclusive suite of products with customizable coverage parts and limits to meet your client’s specific business needs. These coverages can help… Read More »Private Choice Ovation – Comprehensive Insurance Protection

Expired insurance = no coverage

An insurance company does not have to cover a Rapid City woman for a crash because her policy expired 12 hours before she hit four boys on their bicycles, the South Dakota Supreme Court ruled.

Tamara Bradford pleaded guilty to two counts of vehicular battery for the September 2007 crash and was sentenced to eight years in prison. Authorities said her blood-alcohol level was three times the legal limit for driving when she hit and injured the boys, who were riding their bicycles or standing along the road.

After a lawsuit was filed on behalf of the boys, Alpha Property and Casualty Insurance Co. declined to cover Bradford for the crash. The Supreme Court said Bradford’s insurance policy had expired just after midnight on Sept. 23, 2007, about 12 hours before the crash, because she had failed to pay a premium due the day before the accident.

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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 insurance premiums were too high. The belief that auto insurance rates are too high is shared by voters across all age groups, political parties and beliefs, especially among the following demographics: 88 percent of Detroiters 75 percent blue collar workers… Read More »No-Fault Auto Insurance Reform

Northern California Business Owner Sentenced For Premium Fraud

A Northern California business owner has been sentenced for workers’ compensation insurance premium fraud and pay over $2 million in restitution to insurers, the California Department of Insurance announced on Wednesday. Teresa R. of Redwood City, Calif., who originally plead no contest to eight felony counts, was sentenced in San Mateo County Superior Court to serve one year in jail, five years of probation as well as being ordered to pay over $2 million in restitution to the insurers that she defrauded. In 2011 R.f was president of Genesis Building Services Inc. which operated a janitorial and pest control company… Read More »Northern California Business Owner Sentenced For Premium Fraud

Workers Comp. Requirements in North Carolina

Workers’ compensation insurance is required in all 50 states, and North Carolina law requires businesses with three or more employees to buy insurance to cover expenses related to workplace injuries. The North Carolina Industrial Commission is tasked with administering the Workers’ Compensation Act. Despite the statutory requirements, an April 2012 Raleigh News & Observer investigation revealed that at least 30,000 North Carolina businesses are not providing the required workers’ comp coverage required. Employee misclassification and the misuse of workers’ comp ghost policies have become topics of concern among state regulators, government officials, the business community and the public. So-called “ghost” policies are… Read More »Workers Comp. Requirements in North Carolina

What insurance do dental labs really need?

What insurance do labs really need? In this short article we provide answers to some of the most common insurance related questions. Today dental lab owners and lab technicians can be sued. But it is never late to give your business insurance a check-up and determine the type of liability insurance you need to have and then to make sure you have it. The good place to begin with is to check the NADL (National Association of Dental Laboratories) or your state dental laboratory association. If you are a member of NADL than you can talk to their membership service… Read More »What insurance do dental labs really need?

Coming Soon: Assault Weapons Liability for Sellers and Owners

A 2005 federal law that protects gun makers and sellers from liability for crimes committed with their products. But Democratic Senate President John Morse said he crafted the legislation to avoid legal challenges by setting different standards of liability for shooters, gun makers and sellers. Liability would be stricter for a shooter because attorneys would not have to prove negligence, according to summary of the language that will be included in the bill. Individuals would also be held liable if they were negligent and an assault weapon they owned was used in a crime. Sellers and manufacturers would be liable… Read More »Coming Soon: Assault Weapons Liability for Sellers and Owners

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

What Every Business Owner Should Know About Credit Card Protections

Protecting Against Consumer Identify Theft The use of credit and debit cards and electronic payments has become a way of  life for public and private businesses and their customers. With this, vulnerabilities to credit card fraud and identity theft have increased. To help improve credit and debit card security, the credit card industry and federal and state governments have set standards and regulations. Fair and Accurate Credit Transactions Act and Receipt Requirements Congress passed the Fair and Accurate Credit Transactions Act of 2003 (FACTA), significantly amending the Fair Credit Reporting Act (FCRA). Effective Dec. 4, 2006, 15 U.S.C. §1681c amended the act to require any… Read More »What Every Business Owner Should Know About Credit Card Protections

What is “Manifestation Provision” in Insurance Policy Means

The “first manifestation” provision may significantly modify or deviate from the most recent ISO Commercial General Liability policy form, CG 00 01 12/07, commonly referred to as an “occurrence” form. The principle difference between the ISO “occurrence” form and a manifestation form is what is being referred to as “trigger of coverage.” The trigger of coverage is the event or circumstances that activate the insurer’s defense and indemnity obligations under the policy. According to ISO rules the standard ISO form is intended to provide coverage for an injury that occurs during the policy period, regardless of when the injury becomes… Read More »What is “Manifestation Provision” in Insurance Policy Means