Have a business and want to get insurance coverage with Liberty Mutual Insurance? As an independent commercial insurance broker, I have appointments with numerous insurance carriers in both the standard and surplus lines insurance market. One of our primary carriers is Liberty Mutual Insurance Company.
From commercial property to specialty risk to workers compensation, Liberty Mutual Insurance provides products and services to solve your ever-changing business needs.
Here’s a sample of what Liberty Mutual is writing in California:
- Appliances & Accessories-Install, Servicing or Repair- Commercial
- Beverage Stores – Liquor and Wine
- Car Washes – Other Than Self Service
- Carpentry – Interior
- Coffee or Espresso House – no cooking
- Communication Equipment Installation – Industrial Or Commercial
- Concrete Construction
- Convenience Stores w/o Gas (limited grocery – no fresh meats)
- Delicatessens – no frying on premises
- Distributors – Food Or Drink
- Distributors – No Food Or Drink
- Electrical Work – Within Buildings
- Floor Covering Installation – Not Ceramic Tile Or Stone
- Glass Dealers And Glaziers
- Ice Cream or Yogurt Stores
- Janitorial Services
- Landscape Gardening
- Meat, Fish, Poultry Or Seafood – Distributors
- Medical Offices
- Office Buildings
- Optometrists Office
- Plastic Or Rubber Goods Mfg. – Other Than Household NOC
- Plumbing – Commercial And Industrial
- Real Estate Property Managed
- Tile/Stone/Marble/Mosaic/Terrazzo Work-Interior Construction
Contact me today about insuring your California business with Liberty Mutual Insurance Company.
During Sunday’s baseball game at AT&T Park in San Francisco (7/12/15), a 10-year-old boy saved his dad from taking a foul ball in the side of the head off the bat of Brandon Crawford.
I’m going to drop a little metaphor here. Pretend I am the kid in this video and YOUR company/business is the Dad.
It’s what I do for a living. Save your business from potential disaster 😉
According to IBM’s 2014 Cyber Security Intelligence Index, over 75 percent of the cyber attacks the company monitored in 2013 targeted the following five industries:
1. Finance and insurance (23.8 percent)
2. Manufacturing (21.7 percent)
3. Information and communication (18.6 percent)
4. Retail and wholesale (6.2 percent)
5. Health and social services (5.8 percent)
Every day, more than 1 million people become victims of cyber crime. Cyber criminals look for the weak spots and then attack, no matter how large or small the organization. Cyber attacks can result directly from deliberate actions of hackers, or attacks can be unintentionally facilitated by employees—for example, if they click on a malicious link.
Check out these 3 reasons why hackers love your small business:
Here’s a good news story: Recently in Fresno, California an unidentified man wearing a Dodgers baseball cap was captured on video rescuing a stranger from a house fire. His name turned out to be Tom Artiaga. Jimmy invited him on the show to reward his good deeds with the help of legendary Dodgers Manager Tommy Lasorda.
Right on Jimmy Kimmel! And even better, the story involved my Dodgers 🙂
The Occupational Safety and Health Administration (OSHA) recently unveiled its top 10 most frequently cited violations at the annual National Safety Council Congress and Expo. The agency reports the leading causes of workplace injuries during its fiscal year (October through September).
The 2014 top 10 list of most frequently cited standards did not change significantly from 2013, with fall protection violations remaining at the top of the list. In fact, the top four most cited violations remained the same. The 2014 top 10 most frequently cited standards are as follows:
- Fall Protection (29 CFR 1926.501)
- Hazard Communication (29 CFR 1910.1200)
- Scaffolding (29 CFR 1926.501)
- Respiratory Protection (29 CFR 1910.134)
- Lockout/Tag out (29 CFR 1910.147)
- Powered Industrial Trucks (29 CFR 1910.178)
- Electrical – Wiring Methods (29 CFR 1910.305)
- Ladders (29 CFR 1926.1053)
- Machine Guarding (29 CFR 1910.212)
- Electrical – General Requirements (29 CFR1910.303)
This is kind of the abbreviated version. If you’re interested in seeing the definitions/explanations of these violations, you can contact me direct and I’ll send.
Travelers Insurance Company has joined the ranks of other major carriers such as The Hartford in writing coverage for technology companies. Travelers Global Technology President Ronda Wescott and Chief Underwriting Officer Mike Thoma provide their perspective:
If you have a Life Science or Software and Information Technology Company and would like a review of your current insurance portfolio, feel free to contact me anytime. I can help market your coverage’s with all the major carriers specializing in this sector.
Some of the most common insurance coverage’s important to the Life Science or Software and Information Technology industry are:
- Commercial General Liability
- Professional Liability (Errors & Omissions)
- Workers’ Compensation
- Commercial Automobile
- Commercial Umbrella/ Excess Liability
- Cyber Liability & First Party Data Privacy Expense
- Directors and Officers Liability (D&O)
- Employment Practices Liability
- Fiduciary Liability
- Kidnap and Ransom
- Group Medical Insurance
- Group Life and Disability
Consumer advice website NerdWallet recently compiled a list of the 10 worst cities to drive in, based off five different criteria:
- number of days of precipitation
- annual hours of delay per commuter
- gas prices
- population density
- average city car insurance rates.
Here are the results:
- New York City, NY
- Detroit, MI
- San Francisco, CA
- Chicago, IL
- Washington, DC
- Seattle, WA
- Boston, MA
- Miami, FL
- Honolulu, HI
- Oakland, CA
I’m absolutely shocked that Los Angeles nor Orange County, CA is on this list. As the most dense city in America, New York City takes the top spot. While many of the others on this list are very dense cities as well, large
public transportation systems can be found in each and offer a less stressful option for getting around (Not true for LA or OC!)
One of the various reasons we see Workers Compensation Insurance rates on the rise are due in part to deadbeats like this. Not only in aiding of the robbery of her on bank branch of $565,500, Aurora Barrera, 33, later filed a claim for post-traumatic stress disorder. “The bank’s insurance company subsequently paid her more than $35,000 in disability benefits and covered more than $9,000 in medical bills associated with the alleged workplace injury.”
See the full story from the Los Angeles Times. More than happy to see her locked up for 9 years. Honest employers pay the price for frauds like Aurora Barrera.
Some doctors are saying that sitting is the new smoking. According to the Mayo Clinic, sitting, like smoking, is a pervasive problem that harms your health. Approximately 80% of Americans work a non-active job, making all-day sitting a common occurrence.
Lengthy, uninterrupted periods of sitting cause poor circulation and low calorie burn and are linked to various health problems, including obesity, hypertension, diabetes and cardiovascular disease, as well as stiffness, headaches and sluggishness.
Your job may require you to spend a considerable amount of time at a desk, or maybe you’re fond of all-day movie marathons. Try these tips to sit less, move more and improve your health:
- Stand while talking on the phone or watching television.
- Have a walking or standing meeting at work.
- Stand up and stretch at least every hour.
- Wear a pedometer and find ways to add steps into your daily routine.
- Take the stairs when possible.
- Consider walking or biking when commuting to work or running errands.
Source: Zywave, Inc.
According to the new Aflac Workforces Report, 49% of employers agree that controlling costs is the top business issue facing companies today. In 2013, as a result of Affordable Care Act (ACA) implementation and rising costs, businesses:
- Eliminated or delayed raises (32%)
- Eliminated or cut back on benefits (22%)
- Changed some full-time workers to part-time workers (21%)
- Reduced the number of major medical plan options (14%)