February, 2014

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Two Tips to Help You Find the Right Coverage for Your Classic Car

classic collector car insurance

classic collector car insurance

If you are a passionate collector of vehicles, you may be wondering if you need to carry insurance that is tailored specifically for your hobby. Fortunately, it is easy to find an insurance company that offers products and services designed for enthusiasts such as yourself. Below are two important tips to help you find the right classic collector car insurance.

1. Understand the Definition of Classic Collector


First, it is important to define exactly what a classic collector vehicle really is. This comprehensive category includes vehicles that are at a minimum of 15 to 20 years old. This category contains cars, motorcycles and trucks that are completely original as well as vehicles that have been changed or improved.


As insurance companies may differ, be sure to ask about your specific vehicle in order to obtain the right insurance policy.


2. Review the History of the Insurance Company


One way to ensure that you obtain the right coverage for your classic car is to review the company’s service history. Have they been in business for a number of years? Do they offer customer testimonials on their website and have a good history of excellent customer service? These are all questions you should ask yourself when looking for the right insurance for your vehicle.


By following these two tips, you will be able to find the right classic collector car insurance.

Staffing Industry Insurance Solutions

temporary staffing insurance

temporary staffing insurance

The staffing industry occupies a unique niche in the business world, and insurance carriers don’t always know how to approach it. That’s why it’s important to find specialists who deal extensively in the temporary staffing insurance niche. Having temporary employees is common in the 21st century, but the industry continues to evolve. Globalization and new contract expectations ensure that staffing is not what it used to be. Between temporary employees and direct hires, as well as dealing with multiple firms, potential insurance issues get complex.


Who Needs Temporary Staffing Insurance


Some companies engage in direct hiring out of temporary staffing positions, which creates a unique insurance position. Great temporary staffing insurance can help bridge that gap. Direct hire policies cover the wrongful actions of the insured while they are working in the capacity of a direct hire or replacement position. It protects against claims by both the potential employee and employer. This fits companies that use personnel consulting and direct hires against claims of discrimination or retaliation for whistleblowing. This might include people in some of the following positions:


  • Career counseling
  • Human resources consulting
  • Resume consultation


Coverage Polices in the Temporary Staffing Workplace


There are many ways a workplace can require insurance for its employees and employers. When you have different categories of employees, things get even trickier. Start with general liability, and add auto policies if any driving happens on the job. Other temporary staffing insurance policies might include the following:


  • Employee benefits liability , covering negligence in the management of benefits plans
  • Employment practices liability, covering allegations of various types of discrimination
  • Worker’s compensation, covering lost wages and medical fees from job related accidents


Working with temporary staffing experts ensures that you will get the right combination of policies for your situation.

Exposures Requiring Commercial Property Buildings Insurance

As a commercial property owner, you need insurance that will aid you in paying to repair or replace buildings, structures and any other assets that are destroyed or damaged in events covered by your policy. A commercial property buildings insurance policy is designed to protect your company from many property and liability exposures, including pollution risks that are commonly excluded from standard policies.


Building owners are responsible for the safety of the building and its occupants


This is an area that is particularly important because, as a property owner, you may also be held liable for a number of environmental risks, including mold, lead, and asbestos, and other indoor air quality exposures that can cause ailments among occupants of the building. Improper or inadequate storage/disposal of waste materials can also present liability issues. You need to have a policy in place to provide the protection required.


Speak to an agent about the types of policies available and the inherent risks, such as fire, theft, and natural disasters, which you will likely want to insure against. Policy terms and premiums vary and are often dependent on different factors depending upon what kind of business you are in as well as where you are located. Coverage is available to business owners who own, rent or lease the property they operate their business from.


It is important to consider the fact that businesses operating in different regions are subject to different risks. For example, companies operating in the state of Florida have major storms that can create a large amount of damage, causing extended periods of business interruption. Therefore it is advisable to work with an insurance provider who understands this and will help you choose a policy that will be appropriate.


No matter what sort of business you are in or where you are located there are appropriate commercial property buildings insurance policies available for you.

Protecting Your Assets with Connecticut High Net Worth Insurance

Connecticut High Net Worth Insurance

Connecticut High Net Worth Insurance

Individuals all throughout Connecticut may have a high net worth. It may be fun and exciting, but the important thing to remember is that if you have a high net worth, you are also at a high risk for things going wrong. You have worked hard to obtain the things that you have, and you deserve the protection that comes with Connecticut high net worth insurance.


What is Protected?


As an individual with high net worth, there may be many things that put you in that category. Connecticut high net worth insurance protects a variety of different high priced assets including:


  • A fine art collection, or even a single piece of fine art
  • Antiques
  • A luxury home with costly fixtures
  • Precious jewels or jewelry pieces
  • The highest quality wine collection
  • A yacht or other highly valuable recreational vehicle


Life Changes


As you experience changes in your life, your insurance agent can discuss with you the different options that you have. It is important that there are no gaps in your Connecticut high net worth insurance coverage, and keeping in touch with an agent is the best way to ensure that.


Whether you recently came upon a load of wealth, or if you are looking to further protect your assets, speak to an agent today about the possibilities you have regarding insurance.

Infographic for Staffing Insurance

We’ve broken down common risks that the staffing industry might face and provided a staffing insurance solution to reduce that risk in this staffing insurance infographic.
Staffing Insurance

Efficiency, Connectivity Are the Key for Linking Industry Members

Unless you’ve literally been trapped in a distant cave somewhere for years, you have probably noticed the concept of complete, 24-/7 mobile connectivity has seemingly taken over just about everywhere. Take a look around, and the plethora of on-the-move connective devices—smart phones, tablets, laptops, Google glasses, and other electronic items—is staggering, not to mention the fact that people young, old and everything in between are on these devices constantly while they are in motion, from morning to night. This phenomenon has not been lost on the insurance industry, as carriers continue to work to develop automated insurance rating system technology that enhances fast and furious connectivity across all the segments in the chain of distribution, from the underwriters who analyze risks down to the policyholder who has peace of mind knowing that he is protected from financial disaster in the event of a catastrophic loss.

A steady state of process improvements

Managing general agents, program administrators, and insurance carriers alike are finding that their jobs are made all the more simple with the technological developments that continue to revolutionize the industry. Take commercial lines rating systems, for example. The best providers of these systems have designed them to interact seamlessly with a variety of independent administration systems, so that wholesalers and agents can ditch the dreaded, old-fashioned duplicate entry in favor of modules that let them accomplish everything from obtaining data to quote an account through processing the final policy. Even better, many of these systems are now accessible on mobile devices!

Accuracy is affected for the better

As a byproduct of reduced levels of duplicate entry, the accuracy of the databases that are used by an automated insurance rating system is vastly improved. Because the industry relies on the accuracy of this information to perform basic functions and complete all manner of transactions, the quality (or lack thereof) of the content can have a direct impact and thus, affect the efficiency (and ultimately impact costs) of everyone that accesses the information along the way.

Food Insurance and Transportation Concerns for CT

If you are a food distributor, odds are likely that you are required to transport food items to retailers that are some distance from your plant or distribution center in Connecticut. You therefore need food insurance in CT that covers the transporting of goods that could be damaged or tainted as a result of improper handling. There are Federal regulations in place that stipulate that food products be protected against physical, chemical and microbial contamination during transportation and holding.


Some ways in which food becomes tainted during shipping


  • Lack of security


  • Improper holding practices for food products awaiting shipment or inspection


  • Improper temperature control


  • Cross-contamination, and


  • Improper loading practices, conditions, or equipment.


Factor analysis suggests that “in-transit” and “organizational” risk factors might explain the relationships among the various food safety hazards. Raw seafood, raw meat and poultry, and refrigerated raw and ready-to-eat foods have the highest overall risk.


Security issues                      


Without proper security measures, an unguarded truck could be broken into, and the contents could possibly become contaminated, either purposely, or due to changing conditions (such as a loss of temperature control).


Improper holding practices       


Delays, due to inspections, or quarantines can cause foods to become tainted. This could be due to you not having proper documentation, or there may be other concerns, such as product recalls.


Improper temperature control


A malfunctioning thermal system can cause spoilage and render your products no longer fit for consumption.




This could include improper sanitation, backhauling hazardous materials, failure to maintain tanker wash records, improper disposal of wastewater, and aluminum phosphide fumigation methods in railcar transit.


Improper loading practices       


Improper sanitation of loading equipment, failure to use dedicated units where appropriate, and transporting of mixed loads can all lead to cross-contamination.


Food insurance in CT provides you with the protection you need against many risks and hazards that you may face as a food distributor.