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risk management

The Hartford Broadens Professional Liability Offerings for Tech Companies

The Hartford has enhanced its FailSafe suite of professional liability offerings to address the evolving needs of technology companies with expanded coverage for data, systems and networks. “Professional liability is one of the most significant risks for technology companies today,” said Joe Coray, vice president of The Hartford’s Technology & Life Science Practice.  “An alleged failure of a product or service that causes economic loss to a client’s business can result in a costly lawsuit and reputational damage.” According to The Hartford’s data, professional liability claims against technology companies average more than $200,000*. Most of these claims include allegations of… Read More »The Hartford Broadens Professional Liability Offerings for Tech Companies

Coverage options for your barber and beauty business

Beauty Salon Parlor InsuranceCoverage for barber and beauticians professional liability is automatically included for your “employees” under the commercial general liability coverage form. We have the ability to provide professional liability coverage for barbers and beauticians that are independent contractors – this optional coverage is available for $25 per independent operator under the Additional Insured-Independent Operators form -CG T567 (11-03).

The form does require each operator be scheduled. For additional information, contact us via email or call 877-239-0067

Read More »Coverage options for your barber and beauty business

Webinar: Ergonomic Controls – Don’t Design for the Average

ergonomic workstationRISK CONTROL WEBINAR
Are there job tasks at your company that create ergonomic risk for your employees?
Ergonomic assessments can be instrumental in identifying risk factors in the jobs or tasks that your employees are performing. But simply conducting an assessment of the job or task is not enough. Determining the root cause and implementing solutions to control identified musculoskeletal risk factors should be the focus of your improvement process. Solutions can take many forms — adding a mechanical device to help the worker, redesigning the layout of the work space or implementing a best practice or technique to improve how a task is done.
Read More »Webinar: Ergonomic Controls – Don’t Design for the Average

How to Choose Insurance for Every Life Stage

In this article, insurance experts, including Travelers Personal Insurance Vice President Elaine Baisden, recommend reviewing your policies annually and whenever you experience a life event, such as attending college, making a major purchase like a car or new home, getting married, having a child, changing jobs, renovating a home, or caring for an elderly parent. Download this article

Private Choice Ovation – Comprehensive Insurance Protection

Today’s complex economic, regulatory and legal climate leaves little margin for error in running a business. Do you have the necessary comprehensive insurance protection needed to defend against all of the exposures you can face running a business in this environment? Paperless Insurance Services in partnership with A+ rated Hartford Insurance Company is excited to introduce Private Choice OvationSM (Ovation), a new and enhanced management liability coverage offering from The Hartford. Designed to help protect businesses from unforeseen loss, Ovation offers an exclusive suite of products with customizable coverage parts and limits to meet your client’s specific business needs. These coverages can help… Read More »Private Choice Ovation – Comprehensive Insurance Protection

FEMA National Preparedness Report 2013

Presidential Policy Directive 8: National Preparedness, requires an annual National Preparedness Report (NPR) that summarizes national progress in building, sustaining and delivering the 31 core capabilities outlined in the National Preparedness Goal. The 2012 NPR highlighted preparedness accomplishments in the decade since the September 11, 2001 attacks and the 2013 NPR focuses on accomplishments either achieved or reported on during 2012. The 2013 NPR presents an opportunity to reflect on the progress that whole community partners—including all levels of government, private and nonprofit sectors, faith-based organizations, communities and individuals—have made in strengthening national preparedness and to identify where preparedness gaps… Read More »FEMA National Preparedness Report 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 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

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 Carolina businesses are not providing the required workers’ comp coverage required. Employee misclassification and the misuse of workers’ comp ghost policies have become topics of concern among state regulators, government officials, the business community and the public. So-called “ghost” policies are… Read More »Workers Comp. Requirements in North Carolina

Insurance for Personal Trainers and Fitness Studios from $150/yr.

Insurance for personal trainers and fitness studios is specifically designed to meet the unique insurance needs of Fitness Trainers, Group Fitness Instructors, Spinning Instructors, Dance Instructors, Martial Arts Teachers, Pilates Instructors, and many more categories of fitness instruction without any restriction of age or gender of your students. Abuse and Molestation – INCLUDED!

The Fitness and Wellness Insurance program for Fitness Studios covers many types of studios including Aerobics, Exercise, Spinning, Fitness Training, Strength Training, and Pilates Studios with equipment. It also covers activities such as weightlifting, swimming, saunas, tanning booths, sport courts and group exercise. Dance Studios are eligible under Performing Arts.

Coverage available for:Read More »Insurance for Personal Trainers and Fitness Studios from $150/yr.