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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

What does a company really need to protect its reputation online

Experts agree that the most effective protection for a reputation is to consistently follow best practices in conducting business so that negative incidents are avoided. However, bad things can happen to good companies – especially when it comes to data integrity in an era of pervasive hacking, viruses, spyware and malware. Therefore, it is important to be prepared to defend your company’s image. The following five steps proposed by Travelers Insurance Company address both proactive and reactive measures for maintaining your reputation. 1. Assessment. Understand the risks to reputation that your company faces, whether it is from data breaches, product… Read More »What does a company really need to protect its reputation online

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?

The Next Insurance Storm is in The Cloud

Interesting article about cyber liability insurance and exposures on National Insurance Law Forum: The highest profile cyber incidents – such as major data breaches at Sony, Zappos, Global Payments, and Nationwide Insurance, and the disruption to Netflix’s service on Christmas Eve due to problems with Amazon’s cloud service – may dominate the news, but the bigger issue is just how pervasive such problems are. Every company that uses computing and networking technologies faces a variety of potential cyber liabilities, including: repair, restoration, or replacement of data or services; notification of affected customers of a data breach… Read full article

The Growing Problem of Medical Identity Theft

The growing problem of medical identity theft and the havoc it wreaks with its victims is highlighted in a recent Bloomberg article. Medical identity theft victims are usually reticent to share the details of the crime since the theft is felt as such a personal violation. Details of the theft are shared here, as well as ID Experts’ investigative and restoration efforts on the victim’s behalf, including the challenges to unraveling the tangled web of medical identity theft. “Arnold Salinas knows a lot about the person who stole his identity. He’s 5-foot-9, 190 pounds. He pays for pizzas with forged… Read More »The Growing Problem of Medical Identity Theft

Ensure Your Inventory is On Time

1. Perfect your plan Every savvy shopper has a plan for buying the perfect gifts. Do you have a plan for making sure those must-have gifts are available on your shelves throughout the shopping season? Now is the time to know which products will be in big demand and plan your holiday sales strategy so those key items are available. Your plan should include: Identifying which products make up the largest portion of your sales Making arrangements with suppliers to have those products available before and during the start of the holiday shopping season Knowing your options or limitations for… Read More »Ensure Your Inventory is On Time

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

Reduce the Chances of Dog Biting

With dog bite claims accounting for over one-third of all homeowners insurance liability claim dollars in 2011, we remind dog owners to take preventative measures to protect themselves from the potentially serious financial consequences of aggressive canine behavior. • Consult with a professional (e.g., veterinarian, animal behaviorist, or responsible breeder) to learn about suitable breeds of dogs for the insured’s household and neighborhood. • Spend time with a dog before buying or adopting it. Use caution when bringing a dog into a home with an infant or toddler. A dog with a history of aggression is inappropriate in a household… Read More »Reduce the Chances of Dog Biting

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

How to Ease the Insurance Claims Process

Here are some simple things you and your loved ones can do now to ease the insurance claims process should you suffer property damage or loss. Review your insurance policies. When a disaster hits, a lot of people realize they aren’t familiar with the terms of their policies. You might think you have more coverage than you actually do. Reviewing your insurance policies now gives you the chance to make adjustments and have those adjustments take effect before a storm comes our way. Also, remember that flooding is not covered under your homeowners insurance policy; you need to buy a separate flood insurance policy.… Read More »How to Ease the Insurance Claims Process