North Carolina

Travel Insurance for Thanksgiving 2013

Have you started planning your Thanksgiving weekend? Can’t wait to finally join your family at the festive dinner table? There are hundreds of circumstances that could cause you to cancel your holiday trip, return home early or force you to seek emergency medical treatment while traveling. Anything could go wrong: It’s 9:30 PM and you and your immediate family arrive… Read More »Travel Insurance for Thanksgiving 2013

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… Read More »Insurance for Alcohol and Drug Treatment Centers

NC: Agreement Reached on Homeowners Insurance Rates

On March 5, Insurance Commissioner Wayne Goodwin signed a settlement agreement with homeowners insurance companies allowing an overall statewide average rate increase of 7 percent, varying by territory and form, beginning July 1. The insurance companies, represented by the North Carolina Rate Bureau, had requested an overall statewide average rate increase of 17.7 percent on Oct. 1, 2012. The difference… Read More »NC: Agreement Reached on Homeowners Insurance Rates

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… Read More »Workers Comp. Requirements in North Carolina

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,… 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… Read More »Hurricane Shelter Plan

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… Read More »New Enhancements to Real Estate E&O Program

NC Senate Reviews Workers Comp Reform Bills

A comprehensive workers compensation reform package is headed to North Carolina’s Senate after receiving final approval in the state House. The House’s adoption Wednesday of H.B. 709 is “a huge win for the business community,” the Raleigh-based North Carolina Chamber said in a statement. The bill, sponsored by state Rep. R. Dale Folwell, R-Winston-Salem, resulted from extensive negotiations involving labor,… Read More »NC Senate Reviews Workers Comp Reform Bills