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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

Broad Form Auto Endorsement

If you are shopping for your business auto insurance consider getting quote from Hartford. With a broad form auto endorsement you are getting: Coverage Who Benefits Most Claim Scenario Loan Gap Coverage – When a financed vehicle is declared a total loss and your insured’s outstanding loan balance is greater than the actual cost value of the vehicle, The Hartford will pay the difference between the outstanding loan balance and the actual cash value of  the vehicle. This is a new coverage! Any small business owner that finances company vehicles Like many small business owners, Jane financed the Ford F350 truck… Read More »Broad Form Auto Endorsement

Payroll billing – pay as you go – workers compensation insurance

Not a long while ago, the payroll billing premium was available only through a state compensation insurance company, for a large premium account or sometimes through a payroll company like Paycheck that was calculating the premium as they calculate your monthly payroll. Lucky us, Hartford Insurance Company has introduced: Here’s how it works Purchase a Hartford Workers’ Compensation policy through us and let them know that you’re interested in XactPAY Xpress. Register your XactPAY Xpress account online and receive email reminders when it’s time to enter your payroll information through carriers’s fast, easy and secure website. The Hartford will use the payroll information… Read More »Payroll billing – pay as you go – workers compensation insurance

Colorado Workers’ Comp Reforms

Colorado Gov. John Hickenlooper has signed legislation approving state workers’ compensation reforms. Senate Bill 11-199, sponsored in the House by James Riesberg, D, and sponsored in the Senate by Lois Tochtrop, D: Requires an employer to admit liability for reasonable and necessary medical benefits in claims in which an authorized treating physician recommends medical benefits after maximum medical improvement if there is no contrary medical opinion in the record. Permit parties in connection with case hearings, as long as they have attorney representation to engage in discovery without need for permission. Require the employer to provide advance payments to claimants,… Read More »Colorado Workers’ Comp Reforms

How to verify Employers Insurance in California

The California Office of Administrative Law has approved new regulations for creating a Web site that will allow people to verify employers have workers’ compensation insurance coverage, and for employers to dispute with the rating organization or the employer’s insurance company incorrect information displayed on the Web site. Policy numbers will not be disclosed on the Web site. The Workers’ Compensation Insurance Rating Bureau will create the Web site. The regulations will take effect on March 12. Check back later for the website address.  

You Would Have to Be High Not to Buy This Coverage

Medical cannabis dispensaries, collectives, cooperatives, cultivators and caregivers  operating within state guidelines have a new option to protect themselves. Coverage for medical marijuana operations is now available. In addition to working with one of the largest, A+ rated, international insurance carriers to develop the raid coverage program, the programs specifically designed to meet the evolving insurance needs of the medical cannabis community to protect legally operating medical cannabis businesses. The coverage provides relief to cannabis operations raided by state or local law enforcement agencies provided the operations have adhered to all specified state and local cannabis-related guidelines and are found innocent… Read More »You Would Have to Be High Not to Buy This Coverage

New: Zurich Fleet Intelligence

Global driver risk management company has partnered with Zurich on its new, integrated fleet risk management system called Zurich Fleet Intelligence (ZFI), offering its telematics services to Zurich’s insurance customers seeking ways to minimize their fleet’s operating costs and reduce crashes, all while keeping their vehicles up-and-running and drivers safe. ZFI works by combining the data from telematics services or data from other leading vehicle telematic providers with Zurich’s extensive analytical tools to turn the data into insights that can help fleet managers reduce their fleet operating costs, as well as: Optimize vehicle journey planning and deployment; Reduce vehicle running… Read More »New: Zurich Fleet Intelligence

Motor Vehicle Service Agreements in Florida

What is a Motor Vehicle Service Contract? Talk to any auto dealer. Most auto dealers will explain the merits of, and offer you the opportunity to buy, a service contract at the same time you purchase your vehicle or within a limited time following that purchase. Many of these contracts are provided by the manufacturer of the vehicle you have purchased. Most service contract companies offer a wide range of options available within each of their contracts. As an example, some of the contracts offer a choice as to the number of miles covered by the agreement. Contracts may protect… Read More »Motor Vehicle Service Agreements in Florida

Lower X-Mode for California Businesses

California employers saw lower experience modifications in 2010, thanks to changes to the experience rating formula. On Nov. 9, 2009, California Insurance Commissioner Steve Poizner issued a decision approving several changes to the experience rating formula including updated credibility values (“B” and “W” values) and a revised mechanism for segregating claims into their primary and excess components. These changes were proposed by the WCIRB at the recommendation of the Experience Rating Task Force and are intended to simplify the experience rating system and improve its predictive accuracy. The WCIRB conducted an analysis of the approximately 115,000 2010 experience modifications that were… Read More »Lower X-Mode for California Businesses