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New Rules for Ecigarettes May Affect Your Insurance Rates

Tue, 05/06/2014 - 22:05 -- stateco

Ecigarettes came into us market 7 years ago. People have had different opinions about them ever since. Some love e-cigarettes which deliver a vapour with nicotine, but no tobacco for helping traditional smokers to quit. Others are concerned that they will promote nicotine addiction and reduce the stigma of smoking, which in America now ranks somewhere between theft and public indecency.

E-Cigarettes Boost in Europe and Insurance Liability Questions

Thu, 04/24/2014 - 09:49 -- stateco

In 2014 world wide sales of e-cigarettes will reach $5 billion and will shake up the $600 billion tobacco market. Some new market entrants like Siegfried, with a market valuation of 602 million francs, produces more than half the world’s pure nicotine, used in products such as patches, gums and lozenges designed to help smokers quit.

Flood Insurance

Sat, 12/28/2013 - 20:46 -- stateco

Flooding can happen anywhere in the United States. The Federal Emergency Management Agency (FEMA) conducts studies and compiles statistical data using storm tides, river flow, rainfall and topographic surveys to determine what areas of the country are most at risk for flooding. The resulting data is collected and flood maps are produced that identify the areas most at risk. These flood maps can be viewed here: FEMA Map Service Center

How to Read Flood Maps

Insurance Tide of Big Data

Sat, 11/16/2013 - 12:35 -- stateco

Recent comments by Eric Schmidt one of Google's executives were that new technologies help companies analyze vast amounts of digital information. According to Mr Schmidt this has the power to bring change to the insurance, health-care and energy industries.

“Insurance is the most obvious” industry “about to explode” with uses for big data, said Schmidt, who spoke today at The Year Ahead: 2014, a conference in Chicago hosted by Bloomberg LP. Better cost controls and more efficient delivery of services are two ways data can transform industries, he said.

Truck Insurance Policy - Tip 1

Mon, 07/15/2013 - 11:39 -- stateco

As strange as it may seem, your biggest problem might be your current agent or broker. If they do not handle truck insurance on a daily basis, they are out of touch with our market! Keeping up with the truck insurance market is a full time job. If your broker is not independent or if they don’t specialize in truck insurance they may not have the tools available to do a good job. You may be losing out in better protection and lower premiums.

Hotel Insurance Programs

Mon, 07/01/2013 - 13:37 -- stateco

What is preparedness and why is it important? Preparedness is something different for everyone. When we think of preparedness, we think of looking ahead and looking at various scenarios that can take place, and how they would affect our business.

When you think preparedness, our first thought usually goes to a “major event”. That may be a tornado, hail storm, snow storm or a multitude of other events of a catastrophic nature. However there are many other incidents that arise that a risk management plan could prevent or minimize.

Insuring Your One Person or At Home Business

Wed, 06/26/2013 - 14:45 -- stateco

If you run a home-based or one-person business do not assume that your homeowners or renters insurance policy will cover the professional equipment in your home or your liability needs. Most homeowners and renters policies specifically exclude coverage for property used in a business.

If your home-based business involves products, inventory or walk-in customers, you will need a business insurance policy. A business policy will insure you separately with property and liability coverage as though you were renting space for your business.

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