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general liability

All Insurance You Need For Your APU Waste Haulers Business Company

You shouldn’t have to wonder about the quality of coverage for your waste hauling business, or whether the program will be around the next time you need to renew. Our team has more than 30  years of experience in this segment. Serving the industry, this long-standing program is stable even as market availability, in general, may be decreasing.

Our waste haulers program incorporates comprehensive insurance coverage for companies engaged in almost any type of non-hazardous waste service activity, is available on admitted paper with excess coverage up to $10M, and offers competitive rates. Our carriers are A.M. Best Rated A+10 and American-owned.

Coverages:
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Nursing Home Liability

With ample capacity in a nursing home and long-term care liability insurance, competition remains strong among carriers. However, clouds have been gathering on the horizon, with the convergence of three separate events threatening to create a perfect storm in the marketplace.

Increasing Claims

Claim frequency and severity has been climbing for the past several years, with nursing home litigation being one of the fastest-growing areas of health care litigation. In a recently published report on an actuarial analysis of the long-term care sector, it was stated that long-term care frequency is increasing by 5% annually.

Severity is a concern as well. Consider a few mega-claims in the past few years:Read More »Nursing Home Liability

Product Recall Insurance for Manufacturers, Importers, Wholesalers

Licensed attorney and insurance broker Diana Motseniat talks about the product recall insurance. We offer Product Recall coverage in multiple states of the USA. To get a quote complete this application: https://www.paperless-insurance.com/insurance-application/product_recall_insurance_application.pdf Learn more about Product Recall: https://www.paperless-insurance.com/product-recall-insurance-explained/ [tvideo type=”youtube” clip_id=”5LTC5UdYQe0″]      

Insurance for Fire Sprinkler Contractors

fire-sprinkler-contractorsSprinklerPro® is a multi-line insurance program for fire sprinkler contractors engaged in the design, fabrication, installation, testing, service, and repair of fixed water-type and special hazard suppression systems.
Target clients are as follows
  • Fire Sprinkler Contractors – Designing, Fabricating, Installing, Testing, Servicing and Repairing Sprinkler Suppression Systems including Pre-action or Deluge systems, and systems utilizing: Halon, Inergen, FM 200, Foam, or CO2
  • Contractors performing some mechanical work with sprinkler installations
Coverages
  • General Liability
  • Professional Liability
  • Pollution Liability including microbial substance (mold / fungus)  available
  • Umbrella / Excess Liability
Features
  • Special Endorsements include Blanket Additional Insured, Blanket Waiver of Subrogation, and Per Project Aggregate Limit
  • Primary and non-contributory provided for additional insureds with no premium charge
  • No exclusion or limitation endorsement for residential work
Availability: Nationwide

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Fleet Safety Program

For organizations that operate vehicle fleets, it’s important to have a formal, effective safety program. It establishes the policies and procedures that are needed to ensure a safe work environment for your employees. It can also help protect against liability for vehicle accidents – a significant exposure for most fleets – and helps control accident costs. To be effective, a formal fleet safety program should address a range of activities related to employee selection, management and training; vehicle operation; maintenance; and accident management. Although not every fleet is the same, here are some key components and best practices your program should… Read More »Fleet Safety Program

Insurance for Cities and Counties

Our Public Sector Services department serves local cities and counties right in your backyard, offering products and services designed specifically for public entities. We partner with leading providers of property casualty insurance for public entities, with the financial strength and stability you can rely on. We have developed unmatched expertise serving cities and counties. Consider our breadth of coverages, which we tailor to the unique needs of cities and counties: General liability Umbrella Auto Property Workers compensation Law enforcement liability Public entity management liability Employment practices liability Cyber liability But that’s not all – our in-house licensed legal adviser can… Read More »Insurance for Cities and Counties