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Simple Ways to Protect Private Information

Use different passwords for your login accounts. Hackers know that it’s very common for people to use one password consistently. So, make sure your password varies. Also, avoid including words or information in your passwords that someone could easily derive. For example, don’t combine the name of the street you live on with your birthday. Recognize “phishing” attempts, avoid them and report them. “Phishing” is when you’re on the web and someone poses as something legitimate—friend, family member, government entity, bank or other trusted organization—in order to draw personal data from an unsuspecting person. Phishing can occur via text messages,… Read More »Simple Ways to Protect Private Information

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

Hard Market – Should you wait for it?

If you have active business insurance policy, do your best to keep it, and have no cancellation, especially for non-payment’ otherwise, your policy underwriter can say that future “rewrites” after midterm cancellation may be problematic. This means that another rewrite may need to go through brokerage where rates on your class most likely will be higher and forms more restrictive, probably Claims Made. Most “experts” feel we are on the cusp (

Riot Damage Coverage – What you should know

As many as 50 storefronts were damaged or destroyed in rioting and looting in Vancouver Wednesday night following the Vancouver Canucks Stanley Cup Finals loss, though not all of the riot damage will be covered by insurance. While Business Owners Policy would cover for things like theft and vandalism, and fire related losses, storefront windows are usually covered under a special contract with glass companies, and often exlude riots, criminal acts and terrorism.

World Health Organization and Dangerous Mobile Phone

“Using a mobile phone may increase the risk of developing certain types of brain tumors and consumers should consider ways of reducing their exposure, World Health Organization cancer experts said Tuesday” – news  information. Hey, are you guys insane over at WHO? Is this something you want to brag about after the swine flue failure? Don’t you think we are grown up alright to understand that a cell phone may possess risks? A few years ago I came accross this youtube home video: Making popcord using the power of cell phone signal   After watching this video I got me… Read More »World Health Organization and Dangerous Mobile Phone

Record Losses from Weather

Devastating tornadoes, floods, earthquakes overseas and a busier-than-usual hurricane season have U.S. insurance companies bracing for record losses in 2011. Globally — including the major earthquakes in New Zealand and Japan — U.S. and overseas insurers could post up to $55 billion in losses, EQECAT projects. In the United States, billions of dollars in damage were the result of a rare violent weather hitting densely populated areas. Paperless advise: Check your insurance for the following coverage 1. Drain back up 2. Debris Removal 3. Flood 4.  Consequentual loss 5.  Loss of business income 6. Exterior Sign Coverage 7. Earth movement… Read More »Record Losses from Weather

Fighting Insurance Fraud

Insurance is no different than any other field of human endeavor; there are those who try to cut corners and seek unfair advantage. Everyone—employers, employees, medical providers, and insurance carriers—has an important role to play in identifying those who cheat. Fighting fraud is a big job, but you can take some simple steps to prevent fraud from affecting your workplace and wallet. Educate your employees about workers’ compensation. he law requires you to inform your employees about their workers’ compensation rights. They should understand the workers’ benefits for legitimate claims and the penalties for fraudulent ones. Don’t be afraid that,… Read More »Fighting Insurance Fraud

E&O Coverage for Small Law Firms

When it comes to the legal profession, there are two known facts: claims against lawyers tend to increase in an economic downturn; and small firms (with fewer than five attorneys) are extremely vulnerable to legal malpractice and damaging lawsuits. To address these issues, we offer a professional liability insurance program specifically tailored to the needs of small law firms. Rates are competitive because the underwriting guidelines exclude writing large firms that tend to have higher risk and greater claims severity. According to the American Bar Association, over 70% of professional liability claims are driven by firms of less than five… Read More »E&O Coverage for Small Law Firms

Watch Your Car This New Year’s Day

You’ve got your plans for New Year’s? The list of commitments is ready, the fridge is stocked for the party. You’re ready to have the best ever yet New Year’s Celebration. And so are millions of people. Everyone is ready to relax, but vehicle thieves. New Year’s Day was once again the leading holiday for reported vehicle thefts in 2009, while Christmas Day repeated as the holiday with the fewest reported vehicle thefts. For the 11 holidays reviewed in 2009, a total of 22,991 vehicles were reported stolen compared to a total of 24,676 reported for those same days in 2008,… Read More »Watch Your Car This New Year’s Day

Top 5 Holiday Insurance Claims

According to Rocky Mountain Insurance Information Association among the top holiday mishaps are: – Stolen holiday decorations from the front yard. Under a standard homeowners insurance policy, decorations are generally covered, but subject to the out-of-pocket deductible and policy limits. Holiday trappings are also generally covered under a standard renter’s or condo policy. – Gifts stolen from the car while it’s parked at the mall. Coverage to replace these items falls under a homeowners or renter’s insurance policy. But, that’s minus the deductible and up to policy limits, so it’s a good idea to keep gifts and valuables hidden. This… Read More »Top 5 Holiday Insurance Claims