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Non-Owned Auto

Driving safely in winter weather

driving in winter weatherFalling snow can be picturesque, but it can also wreak havoc on the roads. While no one enjoys driving in snowy or slippery conditions, there are steps you can take to help improve your safety.

Here are some guidelines that can help you stay safe when driving in adverse winter conditions:

  • Make sure your car is prepared for cold temperatures and winter conditions like snow and ice. Keep your equipment properly maintained and include a winter survival kit in your vehicle: an ice scraper, snow shovel and sand/salt. Jumper cables are also a good idea since batteries are prone to failure during cold weather.Read More »Driving safely in winter weather

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?

Identity Theft Risks After an Auto Accident

Each year, millions of Americans become victims of a car crash that causes mess on their day (and often their body and vehicle.) Auto accidents are stressful situations that can lead us to reveal more of our personal information to strangers than necessary. Even small fender benders can cause long-term pain if a friendly exchange of info leads to a compromise of one’s most sensitive personally-identifying data. A recent survey taken by the National Association of Insurance Commissioners (NAIC) revealed that many of us don’t know the proper steps to take after an accident, and most of us share too… Read More »Identity Theft Risks After an Auto Accident

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

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

California Signs Electronic Proof Of Insurance Bill

Yes! It happens right now. We witness a great moment of the history! Gov. Jerry Brown made California the seventh state in the nation to allow drivers to show proof of insurance coverage using their smart phone. Brown on Friday signed Assembly Bill 1708, a bill authored by Assemblyman Gatto, which will give drivers the option to show proof of financial responsibility electronically using a mobile electronic device. “Governor Brown just brought proof of coverage into the 21st Century by signing AB 1708,” said Armand Feliciano, with the Association of California Insurance Companies. “California has long been known as ground zero… Read More »California Signs Electronic Proof Of Insurance Bill

Business Insurance Market Update

The hardening insurance marketplace has led to a great deal of success for us in a variety of our niches recently. We continue to develop new products at the same time. Below are several items we wanted to highlight: 1) Apartments / Lessors Risk (Office Exposure – Real estate schedules that generate more than $100,000 in premium in the “better weather” states have been a good fit for us recently. We are interested in the properties that are built after 1980 and located in the western US for the most part. If it is large and we can write casualty… Read More »Business Insurance Market Update

Top 10 States Vehicle Theft List

The National Insurance Crime Bureau reported 2011 is on track for another consecutive year of declining vehicle thefts, but California still dominates the top 10 list for areas highest auto theft rates. Seven of the top 10 areas were in California, mostly in the central and northern portion of the state. The report is a reflection of vehicle thefts on a per capita basis, and the authors of the report note that an area with a much smaller population and a moderate number of thefts can, and often does, have a higher theft rate than an area with a much… Read More »Top 10 States Vehicle Theft List

California – New Auto Insurance Rates Now Available

Our new California Auto Product delivers more than just rating changes…  In addition to providing a wider range of pricing tiers, we have made other changes to our Auto Product to become the total account solution for your small business customers. We’ve introduced a 10% account credit on Auto when there is an in force Spectrum policy (includes property only policies) – reinforcing our desire to become the total account solution. Only available in California! We have lowered the threshold for schedule rating from 10 vehicles to 1 – providing greater pricing flexibility when warranted. Automatic reporting proof of coverage… Read More »California – New Auto Insurance Rates Now Available