There are two different kinds of liability policies on the market today. The difference between the two forms can best be described by giving an illustration. The occurrence policy provides protection through the insurance company that insured you at the time of the incident and must defend you and pay any judgment against you, up … Read more
Business Income insurance pays for the actual loss of business income that you sustain due to suspension of your business operations as a result of damage or destruction to your property. This suspension must be due to a direct physical loss at the premises that is described in the policy and result from a covered … Read more
Builders’ risk insurance is a form of property insurance that covers property owners and builders for projects under construction, renovation or repair. This insurance is similar to Building and Personal Property coverage; the difference being, this coverage is used to cover buildings during the course of construction. Builder’s risk provides coverage on an “all risk” … Read more
As a human service organization you are involved with providing direct care services to individuals. As such automobile insurance requirements are more stringent. As a result the following items are typically required by the insurance companies providing this coverage: Obtain a Motor Vehicle Report for all new hires and all employees and volunteers on … Read more
A Checklist Use this checklist to ensure that your organization is ready to respond to allegations of sexual abuse or misconduct: A written policy prohibiting abuse was distributed to all staff and volunteers; The staff and volunteers who received the policy signed an acknowledgement of receipt; Client complaints do not have to … Read more
In order for us to customize protection for your organization, we will need the following: 1. Annual Report, if available. 2. Annual projected payroll for the upcoming year. 3. Most recent audited financial statement and copy of the organization’s by-laws. 4. Vehicle information including Make, Model, VIN # and Usage and Seating Capacity of any … Read more