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Paperless Insurance Now Offers Coverage in New York

SAN FRANCISCO-based independent insurance brokerage Paperless Insurance Services (PIS INC), Inc. has started offering business insurance products in the State of New York, PIS INC announced Thursday. PIS INC will be using their website as the marketing and underwriting base in the State if New York CFO Diana Motseniat said in her announcement. Paperless Insurance also announced that it is in the process of starting operations in the State of Texas. “Starting operations in New York is vital to the continued expansion of our U.S. platform to complement our strong position and build a truly unified small business insurance platform,”… Read More »Paperless Insurance Now Offers Coverage in New York

Fire Safety Checklist

This inspection sheet should be completed at home by the entire family.  Inspect each area of your home to make sure no fire hazards exist. We have ___ smoke alarms in our home. The last time we replaced the battery in our smoke alarm was __/__/__.  It must be replaced once a year. We test our smoke alarms monthly. We never use the batteries in the smoke alarms for toys or anything else. We have a home escape plan. Our plan includes two ways out of every room. Our family has a special place to meet outside if there is… Read More »Fire Safety Checklist

D&O Liability for Non-Profits

Did you know that Paperless Insurance offers Directors’ & Officers’ Liability coverage for Nonprofit Organizations? Designed specifically to meet the unique needs of Nonprofits including, but not limited to, social service agencies, associations, museums and foundations, this program is offered through a special program administrator, and endorsed by a number of prestigious organizations such as United Way Worldwide, the American Association of Museums and the American Society of Association Executives. Coverages Tailored to Each Specific Class of Nonprofit Full Limit Anti-trust coverage for Associations, IRS Fines and Penalties coverage for Foundations, and Provenance Sublimits for Museums are just a few… Read More »D&O Liability for Non-Profits

Turn Flash mob Fun into Holiday Crime

Flash mob — a group organized through social media to suddenly assemble in a public place. This holiday season retailers should be alerted for a potential risks posed by criminal “flash mobs” that might suddenly swarm stores to steal merchandise during the shopping season. In a statement, Marsh (NY) noted that thieves that take advantage of flash mob techniques to organize and overwhelm stores present a risk: 10% of retailers surveyed by the National Retail Federation this summer reported being victimized by at least one criminal flash mob event over the previous 12 months, with the occurrences often resulting in… Read More »Turn Flash mob Fun into Holiday Crime

Eleven Cybersecurity Tips for Small Businesses

Broadband and information technology are powerful factors in small businesses reaching new markets and increasing productivity and efficiency. However, businesses need cybersecurity tools and tactics to protect themselves, their customers, and their data from growing cyber threats. Here are ten key cybersecuritytips for businesses to protect themselves: 1. Train employees in security principles Establish basic security practices to protect sensitive business information and communicate them to all employees on a regular basis. Establish rules of behavior describing how to handle and protect customer information and other vital data. Clearly detail the penalties for violating business cybersecurity 2. Protect information, computers and… Read More »Eleven Cybersecurity Tips for Small Businesses

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

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

Halloween Safe-Driving Tips

According to Safe Kids USA, children are twice as likely to be killed by a vehicle on Halloween compared to other days of the year. Take extra caution behind the wheel on Halloween and use the following driving tips to keep trick-or-treaters safe. – Yield to Trick-or-Treaters: Be prepared for children to run into the street at anytime. – Refrain From Passing Idle Vehicles: You never know when the driver in front of you has stopped to drop children off. Be patient and take extra caution when traveling near other vehicles. – Park Your Mobile Phone: With children crowding the… Read More »Halloween Safe-Driving Tips

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

Risk Management: Preventing Commercial Auto Accidents

– Watch Your Speed: It’s easy to go too fast—especially when you are in a hurry. Remind yourself to slow down and keep it safe. – Mirror, Mirror: Properly adjust all mirrors before starting your trip. It is also important to check the side and rearview mirrors frequently while en route. This will allow you to constantly observe your surroundings. – Avoid Road Rage: Leave aggressive drivers to the police. Call 911 and report unsafe drivers — you could be doing them and everyone else on the road a favor in the long run. – Drinking = No Driving: If… Read More »Risk Management: Preventing Commercial Auto Accidents