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CONTRACTS: TURN PAIN TO GAIN

Use contracts to effectively manage working relationships and protect your business interests. If hearing the word “contracts” makes you groan, you’re not alone. Many small business owners – particularly Specialty Trade Contractors – have told us that contracts and their impact on insurance are, to put it bluntly, a pain. But, having contracts in place with customers, subcontractors and suppliers can actually be a relief when questions pop. TOP 5  CONTRACT TIPS CHECKLIST Keep these important tips in mind before you enter into a contract: 1. ALWAYS READ A CONTRACT CAREFULLY – never skip the “fine print” because it may… Read More »CONTRACTS: TURN PAIN TO GAIN

Trust thy agent as thyself?

Do you trust your insurance agent? A new study reveals that most small business owners do trust their insurance agents more than other financial services businesses. The study, under the commission of The Hanover Insurance Group Inc., proved that the trust is the only most important consideration for business owners when choosing an insurance provider. The study showed that small business owners have a higher level of trust in independent agents than they do with professionals in other financial services industries. The majority of small business owners reported that they consider independent agents as being trustworthy. We, at Paperless Insurance Services, are… Read More »Trust thy agent as thyself?

Cargo Elite by Travelers – Simply the Best

Travelers Cargo Elite® policy provides outstanding coverage for importers and exporters, including automatic “all risk”* coverage for international shipments of new merchandise – even for goods your client has never shipped before. Benefit from a policy that offers an extensive range of coverage features, streamlined reporting and the ability to issue online special policies anywhere, anytime. Cargo Elite Coverage Highlights: Policyholders have full rights to the possession and control of all damaged goods. If a loss is not immediately apparent at the time of delivery, Travelers coverage applies to the discovered loss up to 60 days after arrival to the… Read More »Cargo Elite by Travelers – Simply the Best

Top Five Mistakes Drivers Make

For many drivers, getting behind the wheel is second nature, so it’s easy to make errors without realizing it. However, these errors can lead to serious accidents. Keep yourself and others safe on the road by avoiding these mistakes: 1. Tailgating Leave a three-second cushion between you and the vehicle in front of you. Leave even more time when road conditions are bad or when you’re travelling at higher speeds. 2. Stopping Instead of Yielding Accidents can happen when drivers stop at a yield sign. “Yield” simply means to slow down and let the traffic on the road you are… Read More »Top Five Mistakes Drivers Make

Personal Injury Insurance Coverage and Credit Cards

In general, oral or written publication, in any manner, of material that violates a person’s right of privacy would be considered as a personal injury. However, your credit card slip may show a few digits of the credit card you use for the transaction and such would NOT be considered as a personal injury, because the word “publication” would not apply to this example. Other examples of personal injury: libel and slander, publishing / disclosing personal related information (health records, financial, etc) to a public domain without prior approval, false arrest and trespassing.   Always consult with your insurance policy for a proper understanding on… Read More »Personal Injury Insurance Coverage and Credit Cards

What to do After Car Accident

Five Steps to Take After an Accident If you’re ever in an accident, it’s easy to forget what to do right away. Follow these five steps to ensure the safety of you, your passengers and everyone else involved: 1. Call the Police. Even for small accidents, call 911. Police will help redirect traffic and document the incident. 2. Avoid Additional Damage. Move your car from the roadway as soon as possible to prevent additional collisions. 3. Get the Right Information for the Insurance Process. You’ll need the other driver’s name, license, phone number, insurance information and license plate number. 4. Document the Accident. From… Read More »What to do After Car Accident

Insurance for building

Travelers offers affordable protection for Building Owners. In addition to our Core coverages Building Owners Endorsement a valuable addition to any Building Owners Policy is offered.  With the addition Building Owners Endorsement you receive the following protection: • Debris Removal: Increased to $50,000 • Lessor’s Leasehold Interest Coverage: Up to $25,000 • Tenant Move Back Expense:  Increased to $100,000 per premises/$250,000 in any on occurrence • Utility Services Direct Damage: Up to $10,000 • Ordinance or Law: Increased to $100,000 per premises/$250,000 in any one occurrence • Ordinance or Law: Increased Period of Restoration – Increased by $50,000 Get instant insurance Quote now from us today and… Read More »Insurance for building

Remote Work and Telecommuting Liability Exposures

Remote work arrangements, including telecommuting and working from satellite offices, have increased at nearly one-third of U.S. companies, according to a survey of chief financial officers released Wednesday. • Keep remote workers informed on the latest news from their departments and the company using regular calls and in-person meetings in addition to email. • Ensure that off-site employees have the necessary resources, including appropriate network access. • Establish expectations and guidelines at the beginning, and monitor the arrangement and adjust as necessary. • Establish and follow appropriate security protocols. • Include remote workers in team activities and recognize their accomplishments… Read More »Remote Work and Telecommuting Liability Exposures

Back to School: Driving Safety Tips

Avoid Cramming, Pack Right. Even though your son or daughter will try to fit every last piece of dorm room equipment into the car, make sure whoever is driving is able to see out of the rearview mirror despite a fully packed car. Nothing should be packed above seat level in order to avoid projectile movement of objects if the need to stop short arises. Pack right by making two trips or shipping what will not fit safely in the car. Take a Break. Whether you or child is driving, make sure to plan to take stops and break up your drive… Read More »Back to School: Driving Safety Tips