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Candle Safety

candle with smokeAccording to Underwriters Laboratories (UL): “Fire statistics show that one out of every three candle fires occurred when candles were left unattended or were inadequately controlled. One out of four fires occurred when a combustible material, such as curtains or a pillow, came too close to the candle.”

As part of your organization’s risk management program, the first duty is to eliminate possible exposures. This includes the use of candles. Unless your traditions require the use of candles, it is recommended that they not be used, or that flameless candles be substituted. Flameless candles are very realistic, battery operated, widely available, and some even come with timers. As with all electrically powered devices, ensure that electric candles are UL listed, so not to trade one fire hazard for another.Read More »Candle Safety

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

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.


• 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


• 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


• Specialized equipment breakdown  coverage and certified boiler and machinery inspections and consultations through carrier’s Boiler & Machinery


• Complimentary EPL hotline provides access to EPL attorneys* to answer your questions
• Discounts for employee training to help protect against “failure to train” exposures


• 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.


• 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

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

Workers’ Comp Rates for Ohio Marine Industry Employers Decrease 20%

The Ohio Bureau of Workers’ Compensation (BWC) has reduced its rates for marine industry employers by 20 percent, effective July 1, the BWC said. The change lowers the rates for employers conducting business on Ohio waterways that subscribe to the Marine Industry Fund. Ohio ranks 7th among the 50 states in longshore and harbor worker activity based on total tons of waterborne domestic cargo handled through a state’s ports. The Marine Industry Fund provides coverage for injuries, disease and death resulting from longshore and harbor worker duties for Ohio employers with employees who work on or about navigable waters, as… Read More »Workers’ Comp Rates for Ohio Marine Industry Employers Decrease 20%

New Premium Comparisons for Personal Auto Insurance

…at this time in the State of Ohio only… Ohio Department of Insurance Director Mary Jo Hudson announced a new online tool designed to educate and assist Ohioans in finding auto insurance that fits their needs. The Auto Insurance Sample Premium Calculator, available at, can be used to compare sample premium quotes voluntarily provided by participating insurance companies as well as obtain contact information for these companies. It was developed through the combined efforts of the insurance department and members of the auto insurance industry in Ohio. Here is how the Auto Insurance Sample Premium Calculator works: The consumer is… Read More »New Premium Comparisons for Personal Auto Insurance