Applicants may apply online using the Electronic Loan Application (ELA) via SBA’s secure website at https://disasterloan.sba.gov/ela.
Disaster loan information and application forms are also available from SBA’s Customer Service Center by calling (800) 659-2955 or emailing disastercustomerservice@sba.gov. Individuals who are deaf or hard‑of‑hearing may call (800) 877-8339. For more information about SBA’s disaster assistance programs, visit http://www.sba.gov/disaster.
The deadline to apply for these loans is December 8, 2015.

Some of the other emerging risks examined in the SONAR report includes the following:

• Cloud computing security
• Contagious emerging market crisis
• Eurozone crisis leading to deflation
• Short-termism of macro-policy measures
• Air pollution as mortality driver
• Concussion crisis in sports
• Democratisation of genetic testing
• Digital slander
• E-cigarettes
• Financial consumer protection regulation
• From closed to open business models
• Food and water safety: trade-offs with growth
• Secession risks in Europe
• “One size fits all” regulation
• Plant pathogen threatens rubber production
• Aluminium health risks
• Smart cities
• Demographic inclusion at the workplace
• Urban farming
• Action cam liability
• Epigenetics
• From 3D to 4D printing
• Missing aircrafts triggers technological change
• Collapse of oceanic ecosystems
• Enhanced humans
• Methane hydrate – an upcoming energy source?

Want to read full report? Click this link (PDF 1.54 MB): http://media.swissre.com/documents/SONAR_2014.pdf

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PIS INC will be using their website as the marketing and underwriting base in the State if New York CFO Diana Motseniat said in her announcement.

Paperless Insurance also announced that it is in the process of starting operations in the State of Texas.

“Starting operations in New York is vital to the continued expansion of our U.S. platform to complement our strong position and build a truly unified small business insurance platform,” said Mrs. Motseniat in a statement. “Our San Francisco office is continuing primarily be a production center, led by CEO Dimitri Glazer. However, it is also designed to be a hub for all our markets, and any staff or clients who want to use the facilities will be made very welcome.”

Paperless Insurance Services, Inc has been providing small businesses general liability, workers compensation, and product liability insurance coverage since 2005. The beginning of operations in New York state totals to 23 states of Paperless Insurance coverage.

• We have ___ smoke alarms in our home.
• The last time we replaced the battery in our smoke alarm was __/__/__.  It must be replaced once a year.
• We test our smoke alarms monthly.
• We never use the batteries in the smoke alarms for toys or anything else.
• We have a home escape plan. Our plan includes two ways out of every room.
• Our family has a special place to meet outside if there is a fire.
• Our family practices our escape plan __ times a year.
• All electrical cords in my home are in good condition. All frayed or damaged wires are replaced.
• There are no electrical cords underneath carpets, rugs or furniture.
• There is no more than one electrical item for each outlet.
• All fuses being used are the proper rating.
• Space heaters in our home are kept at least three feet away from the wall and other items, such as drapes, furniture and papers that might catch fire.
• Garbage, such as old newspapers or boxes, is not placed near heat-producing equipment such as furnaces.
• Children and flammable items (such as potholders, curtains and towels) are kept away from the stove.
• All room exits are clear including windows.
• Whenever there is an open flame in our house, it is well guarded. The fireplace has a screen, the candles have sturdy holders, and the matches and lighters are kept away from small children.
• All gasoline and flammable liquids are kept away from heat sources and flames.
• We make sure the temperature setting on our hot water heater is 120 degrees Fahrenheit or below to avoid burns.
• We bought and learned how to use a fire extinguisher.
• Fireplaces in the home are inspected annually and cleaned by a professional.  Each fireplace has a metal fire screen or heat tempered glass doors.

Want to get a quote for your Homeowners’ Insurance? Visit our website or call 877-239-0067.