Maryland

Alcohol & Drug Rehabilitation facilities provide medical assistance and behavioral and nutritional counseling to individuals who are in need of substance abuse services. Eligible risks may include Outpatient Alcohol & Drug Counseling, Rehabilitation Centers, Halfway Houses Inpatient, Methadone, Early Release Prisoner Programs (Alcohol & Drug related offenses only) and Outpatient Detox. Clinics may also be included as an eligible class… Read More »Insurance for Alcohol and Drug Treatment Centers

Protection for Water and Sewer Districts

Alabama, Alaska, Arizona, Building, Business Owners Package Policy, California, CGL Commercial General Liability, Cincinnati, Colorado, Connecticut, Coverage, Cyber Liability, D&O, Data Breach Coverage, Delaware, Directors and Officers, Earthquake, EPLI, Flood, Florida, Georgia, Hawaii, Hired Auto, Idaho, Illinois, Indiana, Insurance Companies, Insurance Coverage, Insurance News, Insurance Rates and Premium, Interruption, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Nebraska, Nevada, New York, Non-Owned Auto, North Carolina, North Dakota, Ohio, Paperless World, Personal Injury, Pollution Liability, Product Liability Insurance, Product Recall, Professional Liability / E&O, risk management, South Carolina, South Dakota, State, Technology, Tennessee, Texas, Umbrella, Unique Insurance Coverage, Virginia, Washington
October 1, 2012June 22, 2020

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

Increases for Liability Insurance for Construction Firms

Alabama, Alaska, Arizona, Bad Insurance News, Building, Business Owners Package Policy, California, CGL Commercial General Liability, Cincinnati, Colorado, Connecticut, Coverage, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Insurance Coverage, Insurance News, Insurance Rates and Premium, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Nebraska, Nevada, New York, North Carolina, North Dakota, Ohio, South Carolina, South Dakota, State, Surplus Lines, Tennessee, Texas, Virginia, Washington
September 5, 2012December 14, 2013

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,… Read More »Increases for Liability Insurance for Construction Firms

Laws Regarding the Recording of Phone Calls

California, Connecticut, Florida, Illinois, Insurance Companies, Insurance Coverage, Insurance News, Insured, Law, Maryland, Michigan, Nevada, paperless advise, risk management, Study, Terminology, tips, Washington
July 2, 2012

Many businesses and other organizations record their phone calls so that they can document business transactions, train their employees, and improve customer service. It is extremely important to seek legal advice from an attorney if you are considering recording telephone calls or oral communication between parties. This article is not meant to serve as legal advice. However, we want to… Read More »Laws Regarding the Recording of Phone Calls

Paperless Proof Insurance

Arizona, California, Good Insurance News, Idaho, Law, Maryland, Mississippi, Paperless World, Technology
April 3, 2012December 14, 2013

Arizona motorists will be able to use their smart phones to prove to a police officer that they have insurance for their vehicles. Gov. Jan Brewer has signed into law a bill to have Arizona join Idaho in permitting motorists to use a wireless communication device to show proof of auto insurance. Arizona was the second state to approve such… Read More »Paperless Proof Insurance