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California Woman Sues McDonald’s Over Coffee Burns. She says she suffered second-degree burns when she spilled hot coffee on her lap at the drive-up window of a McDonald’s has filed suit against the fast-food chain. The Fresno Bee reported she seeks more than $2 million in damages. If a settlement isn’t reached, her lawyer said they plan to present their case to a Fresno jury. In 1992, a similar case made national headlines. A New Mexico woman who said she was burned by McDonald’s coffee was awarded $2.9 million.

Travel Insurance for Thanksgiving 2013

Have you started planning your Thanksgiving weekend? Can’t wait to finally join your family at the festive dinner table? There are hundreds of circumstances that could cause you to cancel your holiday trip, return home early or force you to seek emergency medical treatment while traveling. Anything could go wrong: It’s 9:30 PM and you and your immediate family arrive at the airport for a connecting flight, only to find that your flight has been cancelled. Who can assist you with finding new flights to get everyone home? Your bag was lost with your medicine inside. You need help to… Read More »Travel Insurance for Thanksgiving 2013

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

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How to Prepare Your Home Before Your Vacation

Vacation is a time to escape for a little rest and relaxation, but it’s also the time thieves increasingly break into empty homes. According to recent claims data from insurance company Travelers, theft increases during the summer months largely because more people are away. But it’s not only criminals you have to worry about while you are kicking back, you also have to be concerned about…
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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

No-Fault Auto Insurance Reform

According to a recent statewide poll commissioned by the Coalition for Auto Insurance Reform (CAIR), an overwhelming number of Michigan voters believe their auto insurance premiums are too high and support no-fault reform legislation that would lower their auto insurance costs. The poll revealed that voters are concerned about the high cost auto insurance – 70 percent said their auto insurance premiums were too high. The belief that auto insurance rates are too high is shared by voters across all age groups, political parties and beliefs, especially among the following demographics: 88 percent of Detroiters 75 percent blue collar workers… Read More »No-Fault Auto Insurance Reform

100-Car Naturalistic Driving

A 100-car “naturalistic” driving study conducted by the Virginia Tech Transportation Institute (VTTI) says that fatigue is a cause of 20% of car crashes, rather than the 2%-3% previously estimated based on surveys, simulator studies and test tracks. Plus, the study found, 18- to 20-year-olds account for significantly more fatigue-related crashes than any other age group. Adolescents’ sleep patterns shift to later hours; however, the school day still tends to start early, resulting in daytime sleepiness. Older drivers can face similar issues with late nights and early work times, but have more experience coping with moderate fatigue – although, not… Read More »100-Car Naturalistic Driving

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