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Texas

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

Protection for Water and Sewer Districts

Serving the public is a serious, round-the-clock responsibility. It’s your job to protect, plan for, and serve the needs of your community as it grows. And it’s our job to protect you with thoughtfully designed, tailored insurance coverages. Our dedicated underwriting, claims and risk control teams work specifically with water and sewer districts and can provide you with one source for your insurance and risk management needs.

WE UNDERSTAND YOUR GENERAL LIABILITY HAZARDS

• Training modules for unique risks such as flagging/traffic control
• Risk control specialists to assist in analyzing digging sites for pipe-laying hazards
• Coverage available for failure-to-supply services and sewer back-up liability
• Utilization of immunities and tort caps where applicable
• Coverage for members of boards, commissions and sewer authorities

WE HAVE AN INDUSTRY-LEADING WORKERS COMPENSATION PROGRAM

• Co-located medical and claims professionals promptly handle, thoroughly investigate and fairly resolve claims, with a focus on return-to-work
• Discounts and savings through carrier’s preferred medical provider network

WE KNOW YOUR MACHINES

• Specialized equipment breakdown  coverage and certified boiler and machinery inspections and consultations through carrier’s Boiler & Machinery

WE PROVIDE SERVICES FOR EMPLOYMENT PRACTICES

• Complimentary EPL hotline provides access to EPL attorneys* to answer your questions
• Discounts for employee training to help protect against “failure to train” exposures

WE UNDERSTAND EMOTIONS ASSOCIATED WITH SEWER BACKUP

• Our dedicated Sewer Backup Claim Unit  understands the importance of balancing residents’ emotional reactions to water backup events with prompt claim handling
• Specialists work with sewer backup adjusters for valuation of residents’ personal items, antiques, etc.

WE OFFER CYBER LIABILITY PROTECTION

• Coverage to protect against cyber and ID fraud for entities that store data electronically

Read More »Protection for Water and Sewer Districts

Increases for Liability Insurance for Construction Firms

The commercial general liability market for the U.S. construction industry continues to firm with underwriters seeking rate increases of up to 15 percent, according to a report published by Marsh. Construction firms with poor loss histories are experiencing even larger liability rate increases and in some cases receiving non-renewal notices from their underwriters. After nearly a decade of rate declines, insurers also are typically seeking to raise rates on umbrella and excess liability insurance of between 8 and 10 percent, according to Marsh’s August 2012 Construction Market Update. According to the report, rates for project-specific general liability, general liability wraps,… Read More »Increases for Liability Insurance for Construction Firms

Hurricane Shelter Plan

The creation of new public faculties across Florida has contributed to a significant increase in the number of storm shelter spaces, according to a plan approved this. The Division of Emergency Management presented its updated statewide crisis plan to the cabinet at a meeting held at a Florida Keys elementary school. A combination of hurricane shelter surveys, retrofitting existing schools and building new schools to meet shelter design criteria has created more than 939,000 public shelter spaces over the last 12 years, emergency management officials said. More than half of those spaces were created through the construction of new public… Read More »Hurricane Shelter Plan

Moving Scams in Texas

Texas officials say that illegal moving companies are operating statewide, putting consumers at risk for losing their belongings or paying a ransom for getting them back. To operate legally, a moving company must display a valid TxDMV or United States Department of Transportation (USDOT) license number on the truck. Movers should never be hired from free Internet advertising sites. In March, the Houston Police Department arrested two men suspected of using hostage tactics in Houston, San Antonio, Dallas and Austin. The pair ran an unlicensed moving operation that promised cheap moves, but held customers’ household goods hostage, demanding hundreds of… Read More »Moving Scams in Texas

April Bound Accounts

CALIFORNIA – Lessors Risk Package- Apartments and mercantile, Total premium $15,522.45 – Vacant building- squeaked under the x renewal price. $9,000 – Apartment with law and ordinance – $9,240 – Home health care – $3,000 – Large Electrical Contractor – $51,000 FLORIDA, GULF COAST & TEXAS – Supermarket – Hialeah, FL, multiple losses $40k package – Paving Contractor, FL – GL/ XS/IM $60,000 – FL – Excess Cargo – air freight carrier for gold and silver shipments – $38,000 – FL Panhandle- Wind Only – $19,000 – FL – Banquet Hall GL/LL – $19,000 – FL – Schedule of Vacant… Read More »April Bound Accounts

New Enhancements to Real Estate E&O Program

We are proud to announce that we’re now offering an exclusive Real Estate Errors and Omissions Liability protection. Easy Way to Quote and Bind Online We offer an advanced and intuitive online application that allows to facilitate the quotation, binding and policy issuance process for our customers. For qualified applicants, a quote and policy may be processed in minutes. Coverage Features We’re confident that our program will bring you superior underwriting and service. That said, the policy’s coverage will remain packed with coveted features and include 2 free hours of access to a toll-free, confidential risk management hotline and, for qualifying risks, new coverage… Read More »New Enhancements to Real Estate E&O Program

1 Sentence News Kaleidoscop

– License Plates Proposed for NYC Bike Messengers – The bill is being proposed by Councilman of Brooklyn, who says license plates would help to quickly identify those cyclists who break traffic rules. – Use of Credit-based Insurance Scores Upheld in Texas – TX Supreme Court has made it clear Texas law requires that factors used in credit scoring to price insurance be race neutral, or not based on race. – Driver of Car Hit by Train is Billed for Damage – Metro-North plans to bill a 40-year-old woman for the damage one of its trains suffered when it struck… Read More »1 Sentence News Kaleidoscop

Texas Votes for Certificates of Insurance

A measure recently passed in Texas will require regulatory approval of p&c certificate of insurance forms provided to insureds as evidence of coverage.  Bill 425 in particular regulate how certificate of insurance should be issued and can not be ammended. Should the agent or company violate the rule, the penalty could be up to $100.

SPA and Pool Insurance Coverage in Texas

CNA’s Spa & Pool Contractors Program (SPLASH) has been expanded to the middle market segment in Texas. CNA’s SPLASH program offers coverages for an array of customers, including builders or installers of swimming pools, spas and hot tubs as well as pool plasterers; and for service, maintenance and repair work (i.e., cleaning, painting, resurfacing, winterizing, etc.) done exclusively for the swimming pool, spa and hot tub industry. Retail and wholesale operations which meet this criteria are also eligible within the Middle Market program. CNA recently earned the endorsement of the Northeast Spa and Pool Association (NESPA), an organization with more… Read More »SPA and Pool Insurance Coverage in Texas