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New York

Insurance for Alcohol and Drug Treatment Centers

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 when the clinic is only a part of the facility’s overall services. Our program includes a Package, General & Professional Liability, Property, Umbrella, Auto (some restrictions may apply) and Abuse & Molestation. Our pro- gram also offers Coverage Endorsements &… Read More »Insurance for Alcohol and Drug Treatment Centers

The Danger of Distracted Walking

Okay, we have said enough about the distracted driving. The cell phone use laws being adopted by the U.S. states are describing how and when the mobile phones can be used while driving. But what about pedestrians distracted with their smartphones? Can we blame them for major increase of fatal accidents involving pedestrians? Apparently yes. According to a recent report from the U.S. Department of Transportation, 4,280 pedestrians were killed and an estimated 70,000 were injured in traffic crashes in the United States in 2010 — a 4% rise from the number reported in 2009. On average, a pedestrian was killed every two hours… Read More »The Danger of Distracted Walking

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

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

Hurricane Shelter Plan

The creation of new public faculties across Florida has contributed to a significant increase in the number of storm shelter spaces, according to a plan approved this. The Division of Emergency Management presented its updated statewide crisis plan to the cabinet at a meeting held at a Florida Keys elementary school. A combination of hurricane shelter surveys, retrofitting existing schools and building new schools to meet shelter design criteria has created more than 939,000 public shelter spaces over the last 12 years, emergency management officials said. More than half of those spaces were created through the construction of new public… Read More »Hurricane Shelter Plan

Workers Comp. Electronic Claims Reporting in New York

The New York State Workers’ Compensation Board is transitioning from a paper to an electronic employer report of injury system. The board will adopt the IAIABC (International Association of Industrial Accident Boards and Commissions) Claims Electronic Data Interchange (EDI) Standard Release 3.0. Currently, the board accepts New York-specific claims information from employers and insurance carriers through paper submission. But beginning in early 2013, these submissions will be required to match the IAIABC standard and be made electronically. Read More

Workers comp assessments 5 times higher for N.Y. state employers

New York state employers pay nearly five times more in workers compensation insurance premium assessments than the average in other states, according to a Workers’ Compensation Policy Institute report. Most states impose similar surcharges on employers to fund their workers comp systems, according to the Latham, N.Y.-based research affiliate of the Public Employer Risk Management Assn. But the average premium assessment among 32 states that impose the taxes is 4.2%. In contrast, New York state employers pay assessments totaling 20.2% of their premiums, according to the report, “Workers’ Compensation Assessments: The Hidden Tax Confronting Employers and Taxpayers.” In Minnesota, the… Read More »Workers comp assessments 5 times higher for N.Y. state employers

New Enhancements to Real Estate E&O Program

We are proud to announce that we’re now offering an exclusive Real Estate Errors and Omissions Liability protection. Easy Way to Quote and Bind Online We offer an advanced and intuitive online application that allows to facilitate the quotation, binding and policy issuance process for our customers. For qualified applicants, a quote and policy may be processed in minutes. Coverage Features We’re confident that our program will bring you superior underwriting and service. That said, the policy’s coverage will remain packed with coveted features and include 2 free hours of access to a toll-free, confidential risk management hotline and, for qualifying risks, new coverage… Read More »New Enhancements to Real Estate E&O Program

New York Labor Law Section 240 Explained

As a result of New York Labor Law Section 240, you may be liable for injuries to contractors you hire to do work at or on your property. Learn more about this law and what you can do to reduce your risk. As a New York property owner or a tenant who hires contractors to repair, alter, paint, erect, demolish, clean or point a building or structure, you may be liable, under New York Law Section 240, for injuries sustained by the contractor’s workers who fall from heights or who are struck by falling objects. Read more

Paperless Insurance Now Offers Coverage in New York

SAN FRANCISCO-based independent insurance brokerage Paperless Insurance Services (PIS INC), Inc. has started offering business insurance products in the State of New York, PIS INC announced Thursday. 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,”… Read More »Paperless Insurance Now Offers Coverage in New York