tag:blogger.com,1999:blog-9829310116216594632024-03-14T09:09:24.917-07:00Apogee Insurance GroupBlog for Apogee Insurance Group, your specialty lines professional and management liability wholesaler.Anonymoushttp://www.blogger.com/profile/04319621706136927855noreply@blogger.comBlogger15125tag:blogger.com,1999:blog-982931011621659463.post-23638186825338374172014-10-31T13:01:00.000-07:002014-10-31T13:01:38.152-07:00Insurance Doesn't Have to be Scary<div class="separator" style="clear: both; text-align: center;">
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Here at Apogee Insurance Group, we take insurance very seriously, but we definitely know how to have a good time too. Today we celebrated Halloween with a company wide costume contest. Continue reading to see some of our costumes and learn how Apogee can help you!<div>
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We are here to assist you in covering your professional liability risks. You could say our account managers are “Top Guns.” And for them, the sky is the limit.</div>
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Any business has a risk of a claim, whether it is negligence or faulty equipment and much more. But with the right insurance, your business can be given a chance to grow and TRANSFORM!<div>
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<iframe allowfullscreen='allowfullscreen' webkitallowfullscreen='webkitallowfullscreen' mozallowfullscreen='mozallowfullscreen' width='320' height='266' src='https://www.blogger.com/video.g?token=AD6v5dzboTwmo0DsYfnYmzgTHMvkBSKaTts--YAfC5upHMZnvLCXJ4i-Egg4v8CoUa-u1R5tRX0MF-efFNm6KmM9PQ' class='b-hbp-video b-uploaded' frameborder='0'></iframe></div>
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<br /> Whether it is <a href="http://www.apogeeinsgroup.com/alliedhealth.html" target="_blank">Allied Healthcare</a>, <a href="http://www.apogeeinsgroup.com/Architects-Engineers.html" target="_blank">Architects and Engineers</a>,<a href="http://www.apogeeinsgroup.com/Environmental-Pollution-Liability.html" target="_blank"> Environmental Liability</a>, or almost anything else, we have you covered! Even if your company has a risk of a data breach, don’t be unprepared. Those sneaky hackers have ways of getting around anything so it pays to be <a href="http://www.apogeeinsgroup.com/SecurityAndPrivacy-CyberLiability.html" target="_blank">protected</a>! </div>
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<br /><br /> If a claim occurs, you will need more than a formal apology. You will need to pay for your defense and to fix the problem. A claim could occur at any time, in any place no matter what you do to prevent it. So don’t let that risk rain on your day, cover it with <a href="http://www.apogeeinsgroup.com/" target="_blank">Apogee Insurance Group</a>!</div>
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You’ll be a big fan of our <a href="http://www.apogeeinsgroup.com/about-us.html" target="_blank">excellent service and expertise</a>!</div>
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Anonymoushttp://www.blogger.com/profile/04319621706136927855noreply@blogger.comtag:blogger.com,1999:blog-982931011621659463.post-69567066293361497132014-09-22T07:33:00.001-07:002014-09-22T07:44:33.762-07:00Apogee Insurance: Dedicated to Continuing Education<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.apogeeinsgroup.com/" target="_blank"><img alt="Dedicated to Continuing Education - Header" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhMpA_WHK0KxS3NfNfgpueLBsxmCBXl2TiCOeCWaZtJ82qr5aLfyLtZN7q6cQxmE6WhIfhQAFpFnmEOxGhaRssm6dBiIHKHmKUPC9fw7QNE_Ly-_SVZur3iMlHcVmoPpCts3kkRvqWI7nA/s1600/Blog-Header-Continuing-Education.jpg" height="85" title="Dedicated to Continuing Education" width="450" /></a></div>
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For many, September signifies back to school season. From grade-school children to college students, many are getting back to the classrooms, hitting the books, and resuming the task of expanding their knowledge. Here at Apogee Insurance Group, there is no summer break from learning. We are dedicated to continually expanding our knowledge and expertise in the insurance industry to better serve our customers.<br />
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Every member of the Apogee team is constantly studying and working towards new designations and licenses. In the past month, we have had two Apogee team members achieve the RPLU designation, numerous P&C licenses, and a Senior Account Manager who traveled to London, England for a very exclusive educational experience.<br />
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The RPLU, or Registered Professional Liability Underwriter designation, is the only professional designation exclusively for those in the professional liability industry. To achieve this designation, candidates must complete a rigorous self-study course which includes reading 13 curriculum modules published by the Professional Liability Underwriting Society (PLUS) and passing an exam for each. In the last month, Brian Creech (Apogee's Vice President of Sales) and Chris Bradley (one of our Senior Account Managers) both achieved this difficult and time consuming designation.<br />
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In addition to the two RPLU designations, numerous members of the Apogee team have passed the Pennsylvania Property and Casualty Insurance Agent's License exam. Recently, Alicia Maa (a Customer Service Rep) and many of Apogee's college interns passed the exam and earned their P&C licenses. Like most continuing education, this exam is a commitment that takes a lot of time and dedication outside the normal 8-5 work day.<br />
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Finally, Management and Employment Practices Liability product expert, Chris Hoxie, was invited to the prestigious Andrew Beazley Broker Academy in London, England. The Academy nominates and accepts specialty brokers from around the globe to participate in a week long accelerated training program in the Lloyd's of London Marketplace. To read more about Chris' trip overseas, <a href="https://www.linkedin.com/pulse/article/20140908150250-25307898-apogee-arrives-in-london?trk=prof-post" target="_blank">click here</a>.<br />
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At Apogee, we strive
to set ourselves apart from other insurance wholesalers with our product
expertise, service, and focus on our customer. We pride ourselves with
dedication to continuing education in the insurance industry and using this
knowledge to provide you the very best in placing your professional and
management liability. Send us a professional or management liability submission
today to feel the Apogee difference.<o:p></o:p></div>
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Send submissions to <a href="mailto:submissions@apogeeinsgroup.com">submissions@apogeeinsgroup.com</a>.
And for more information on our products, please visit our product pages <a href="http://www.apogeeinsgroup.com/products.html" target="_blank">Here</a>.<span style="color: #1f497d; font-family: 'Calibri','sans-serif'; font-size: 11pt;"><o:p></o:p></span></div>
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<br />Anonymoushttp://www.blogger.com/profile/04319621706136927855noreply@blogger.comtag:blogger.com,1999:blog-982931011621659463.post-90258111018666232362014-08-06T11:36:00.004-07:002014-08-06T11:36:50.470-07:00The Increasing Threat of a Data Breach<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjAU9RuwaP-6B3xWI5PLJMv_TmVHPVThOATtwp02ODMVjvZPfpETyL8IVSniXOkrE7dJtuPIx4fWs9D6OnTjTiFFVHMO-d4vHDvB_ugJv6hyDetOGN2UIrqo-MjKPUJhV9SXOD-T8_2bE4/s1600/dreamstime_xl_36330463.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjAU9RuwaP-6B3xWI5PLJMv_TmVHPVThOATtwp02ODMVjvZPfpETyL8IVSniXOkrE7dJtuPIx4fWs9D6OnTjTiFFVHMO-d4vHDvB_ugJv6hyDetOGN2UIrqo-MjKPUJhV9SXOD-T8_2bE4/s1600/dreamstime_xl_36330463.jpg" height="128" width="200" /></a></div>
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<span style="font-size: 12.0pt; line-height: 200%;"> We all
remember what happened to Target last year when hackers broke into their
computer systems and stole valuable information from millions of customers.
This information included credit and debit card information as well as names,
mailing information and passwords. The company has lost hundreds of millions of
dollars, with a $148 million loss in the last quarter alone. Target has, and
continues, to take steps to help those affected and to eliminate the risk of
this occurring in the future. Sadly, this is but one breach in an ongoing and
worsening trend. <o:p></o:p></span></div>
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<span style="font-size: 12.0pt; line-height: 200%;"> Recently Hold
Security, a security firm in Milwaukee uncovered a data breach that puts the
Target hackers to shame. A group of Russian hackers have collected 1.2 billion
user names and password combinations from 420,000 different websites (Perloth).
This ongoing problem with security breaches stems from the widespread use of a
system of usernames and passwords by companies and websites that store customer
information. Most people will use the same, or a slight variation of a name and
password combination of every website that they use. This makes it very easy
for hackers to steal information. Once they get a name and a password, they can
find your information on many different websites. Any company with a customer database could be
affected by a data breach. Even restaurants are vulnerable. Recently the
restaurant chain P.F. Chang’s had consumer information stolen in 33 separate locations
all across the country. <o:p></o:p></span></div>
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<span style="font-size: 12.0pt; line-height: 200%;"> Any business
with a customer database is susceptible to a breach. Even with the best
firewalls and protection software, these things can still occur. As breaches
continue to get worse (the average cost of a data breach has increased 15%,
from $3.1 to $3.5 million in the last year (Perloth)), businesses are searching
for new ways to protect and cope with them and unfortunately, the losses they
create. There are a few ways to protect yourself from a data breach, but even
the best guards can fail. Sometimes, despite the best efforts, the only way to
manage a data breach is to insure against it. This is why Cyber Liability
Insurance is a great choice and there is no better place to start than filling
out our online application at <a href="http://www.apogeeinsgroup.com/quote.html">http://www.apogeeinsgroup.com/quote.html</a>
today. <o:p></o:p></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgYmlDbongLdi9w0_g8daZZj3ij7RhiBbIEV-7FCxtkDghze0WlaxrcW-iUNDIq4dmNd7jXN5bqgHSTr56mUMRJ6_WbB-yGZ5aZqGe7pPowsgmBXibcMLREk7ht6ZZDMiXeMR4c1HXxiC4/s1600/dreamstime_xl_19792600.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgYmlDbongLdi9w0_g8daZZj3ij7RhiBbIEV-7FCxtkDghze0WlaxrcW-iUNDIq4dmNd7jXN5bqgHSTr56mUMRJ6_WbB-yGZ5aZqGe7pPowsgmBXibcMLREk7ht6ZZDMiXeMR4c1HXxiC4/s1600/dreamstime_xl_19792600.jpg" height="240" width="320" /></a><span style="font-size: 12.0pt; line-height: 200%;"> </span></div>
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<div class="MsoNormal" style="line-height: 200%;">
<span class="apple-converted-space"> </span>Perlroth,
Nicole, and David Gelles. "Russian Gang Amasses Over a Billion Internet
Passwords."<span class="apple-converted-space"> </span><i style="box-sizing: border-box;">The New York Times</i><span style="background-color: rgba(255, 255, 255, 0.0980392);">.
The New York Times, 05 Aug. 2014. Web. 06 Aug. 2014.</span><span style="font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
Anonymoushttp://www.blogger.com/profile/04319621706136927855noreply@blogger.comtag:blogger.com,1999:blog-982931011621659463.post-55490970247773923782014-05-02T12:01:00.002-07:002014-05-09T13:25:55.243-07:00The Coverage Many Pharmacies Don't Know they Need: Allied Health and Data Breach<div class="MsoNormal">
300,000 pharmacists employed
in the <st1:country-region w:st="on">USA</st1:country-region>
face immense amounts of risk everyday. While handling and giving advice
regarding medications, pharmacists hold the vitality of their customers lives in
their hands. Given the state of today’s litigious society and the long,
difficult hours many pharmacists work, mistakes are occasionally going to
happen and lawsuits are bound to occur.</div>
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It is imperative that pharmacists get the best coverage
available to them. However, coverage options
and insurance language is often confusing and sometimes misleading, resulting
in many pharmacies receiving less than ideal coverage. Pharmacists must educate themselves on the range of coverage they<i> really</i> need. </div>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgqXZUWFOpr22yHadtsc7tREphzoiK1X7U67VTkGqCcKukfU3YwKBYOksYb3E64TT7i6dDU0vqAWS4nh5AP_vnXvYBugYqcAGDjLePfeLfj1KiS7lRRywP-02B0xd4-lgJkRjPUBNfABYc/s1600/dreamstime_m_18354201.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgqXZUWFOpr22yHadtsc7tREphzoiK1X7U67VTkGqCcKukfU3YwKBYOksYb3E64TT7i6dDU0vqAWS4nh5AP_vnXvYBugYqcAGDjLePfeLfj1KiS7lRRywP-02B0xd4-lgJkRjPUBNfABYc/s1600/dreamstime_m_18354201.jpg" height="213" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-size: small;"><a href="http://www.apogeeinsgroup.com/alliedhealth.html" target="_blank">Learn More </a><br /><a href="http://www.apogeeinsgroup.com/ProfessionalLiability/AlliedHealthcareAPP_Pharmacy.pdf" target="_blank">Apply Now</a><br /><b>Send all applications to:</b><br />submissions@apogeeinsgroup.com</span></td></tr>
</tbody></table>
<h3>
<b>Professional Allied
Health Coverage for Pharmacies</b></h3>
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Professional liability is vital in protecting against
malpractice or negligence lawsuits. One small mistake can quickly escalate into
a claim resulting in loss of professional credibility and personal assets. </div>
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<i><b>Claim Example</b></i></div>
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In October of last year, a family of a young girl filed a
$750,000 lawsuit against a local pharmacy alleging that the pharmacist professionals negligently labeled a prescription with incorrect directions resulting in the child consuming a dosage five times larger than what was
prescribed. The prescription was called into the pharmacy in 2008. When the
child was given the dose as instructed on the bottle, she suffered a
serious seizure, required immediate hospitalization and faced years of resultant suffering. Although the pharmacy insists they filled the prescription as it was
phoned it, fingers have been pointed. The local pharmacy now faces the possibility of more than a million dollars in defense and damages.</div>
<h3>
<b>Data Breach Coverage
for Pharmacies</b></h3>
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The average cost for resolving a single case of medical
identity theft averages $20,600. And that’s just for one person. In 2010,
nearly 1.5 million Americans and a equally staggering number of pharmacies fell
victim to medical identify theft. The right data breach coverage plan can not
only protect pharmacies against these exposures but also help to prevent
crippling data infringements.</div>
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<b><i>Claim Example</i></b></div>
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A pharmacist was recently sentenced to 25 months in prison
for patient identity theft when she exposed private prescription data of one
patients to her husband. Additionally, the patient awarded <b>$1.44 million </b>in damages. The pharmacy and pharmacist faced immense
financial and emotional costs as a result of a momentary lapse in judgment.</div>
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<b>Apogee Advantage</b></h3>
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At Apogee, with our industry expertise and service promises,
we commit ourselves to taking advantage of these market conditions and bringing
you the most competitive coverage for your pharmacy needs. We will work closely
with you to ensure full, personalized coverage and a painless application
process. With in-house coverage specialists and market access to over 50
"A" rated or better markets, Apogee is your solution for professional and
data breach pharmacy entity coverage.</div>
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<i><b>We can also entertain compounding pharmacies.</b></i></div>
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<b>To learn more please visit our website:</b></div>
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<a href="http://apogeeinsgroup.com/" target="_blank">Apogee Insurance Group</a></div>
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<a href="http://www.apogeeinsgroup.com/alliedhealth.html" target="_blank">Allied Health Coverage</a></div>
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<a href="http://www.apogeeinsgroup.com/SecurityAndPrivacy-CyberLiability.html" target="_blank">Data Breach Coverage</a></div>
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<a href="http://www.apogeeinsgroup.com/ProfessionalLiability/AlliedHealthcareAPP_Pharmacy.pdf" target="_blank">APPLY NOW </a>and receive a quick, personalized quote</div>
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Send all applications to <a href="mailto:submissions@apogeeinsgroup.com">submissions@apogeeinsgroup.com</a></div>
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<b>Contact Information</b></div>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhSKM-4QFzPKaHuYWpODiM5luzwos94KB50Y_crvgYv5QtlnUoKreYS73pP2AcGUkJspLy1EZH3FeUgRW_FLTmSJQbltNVmAXt5rNXgFJdeBUJwWFEY77u9XiKTfOapHFjkP-zgvvd8h30/s1600/CharlesSturm75.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhSKM-4QFzPKaHuYWpODiM5luzwos94KB50Y_crvgYv5QtlnUoKreYS73pP2AcGUkJspLy1EZH3FeUgRW_FLTmSJQbltNVmAXt5rNXgFJdeBUJwWFEY77u9XiKTfOapHFjkP-zgvvd8h30/s1600/CharlesSturm75.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-size: small; text-align: start;">Charlie Strum</span><br />
<span style="font-size: small; text-align: start;">Account Manager</span><br />
<span style="font-size: small; text-align: start;">(610) 337 3200</span><br />
<span style="font-size: small; text-align: start;">Ext. 7036</span></td></tr>
</tbody></table>
Anonymoushttp://www.blogger.com/profile/04319621706136927855noreply@blogger.comtag:blogger.com,1999:blog-982931011621659463.post-59435015332864938932014-05-02T10:07:00.000-07:002014-05-02T10:07:38.405-07:00Community Association Directors and Officers Infographic<h3>
Today's spotlight in on Community Association D&O.</h3>
<div>
At Apogee, we can provide directors and officers of community associations with the coverage they need to protect their personal assets from the risk associated with their highly public positions, including access to unique features such as Lifetime Occurrence Reporting Provisions. We can also quote EPLI with D&O and crime coverage for community associations. </div>
<div>
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEizcBIv-BkZ0KeehaPyQEDLn3Wf5UX485Xasx3Qh5uP5Qhbrof277mSMq_eh4NwVHdYsHEGZHdKV6pJ4BBTET4YbTjn4d-eiT01Djn0mdwkv9nIzIgncbHImFVgbUV8XLYF89Se3Vxtoso/s1600/Community.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEizcBIv-BkZ0KeehaPyQEDLn3Wf5UX485Xasx3Qh5uP5Qhbrof277mSMq_eh4NwVHdYsHEGZHdKV6pJ4BBTET4YbTjn4d-eiT01Djn0mdwkv9nIzIgncbHImFVgbUV8XLYF89Se3Vxtoso/s1600/Community.jpg" height="212" width="320" /></a></div>
<div>
<br /></div>
<div>
<b><a href="http://www.apogeeinsgroup.com/Management-Liability-D&O.html">Learn More Here</a> <br /><a href="http://www.apogeeinsgroup.com/ProfessionalLiability/nonprofit-nppla.pdf">Apply Here</a> </b></div>
<div>
<b><br /></b></div>
<div>
<b>Contact Information</b><br />Chris Hoxie<br />(610-337-3200) <br /> Ext 7027<br /><div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-size: 13.5pt;"><br /></span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-size: 13.5pt;"><br /></span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<br /></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<br /></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<b>Send all applications to submissions@apogeeinsgroup.com</b></div>
<h2>
See the Infographic Below to Learn More! <o:p></o:p></h2>
</div>
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</script>Anonymoushttp://www.blogger.com/profile/04319621706136927855noreply@blogger.comtag:blogger.com,1999:blog-982931011621659463.post-80664632380845969272014-04-22T13:16:00.000-07:002014-04-22T14:00:31.184-07:00Understanding Fair Labor Coverage <div class="MsoNormal">
The Fair Labor Standards Act, often referred to as FLSA or
the Wage and Hours Bill, has been the backbone of ethical employment in the <st1:country-region w:st="on">United States</st1:country-region>
for decades. First introduced in 1938, FLSA has traveled a long road of
amendments and scrutiny in becoming what it is today. <b>Generally,
employers who produce $500,000 or more in gross sales are subject to FLSA
requirements</b> on minimum wage, hours, overtime and working with children. If
you fall below this revenue line and are a<b>
hospital, school or public agency, you are likely still subject to these
regulations</b>. An issue consistently under debate, the FLSA is still changing
with proposed amendment in April 2014 that would bring the federal minimum wage
for employees to $10.10. </div>
<div class="MsoNormal">
<br /></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg0x61NGIrNVwGmaWvXL_Hq7-e_ECJWWtyvTEk4hEfKH24s4_pmDOkeOWGsw4gIU-Wp3XXbaj3ATyeynb0SoaxUuPjfAVKOCY1AcNPInON6FeUe0r2TKrCvIdtbkVIGt2lqhqJESXR9XPU/s1600/labor+laws.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg0x61NGIrNVwGmaWvXL_Hq7-e_ECJWWtyvTEk4hEfKH24s4_pmDOkeOWGsw4gIU-Wp3XXbaj3ATyeynb0SoaxUuPjfAVKOCY1AcNPInON6FeUe0r2TKrCvIdtbkVIGt2lqhqJESXR9XPU/s1600/labor+laws.jpg" height="207" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-size: small;"><a href="http://www.apogeeinsgroup.com/Employment-Practices-Liability.html" target="_blank">FLSA Coverage at Apogee</a><br /><a href="http://www.apogeeinsgroup.com/professionalliability/EPL-(12-12)-Update3-31.pdf" target="_blank">Application</a><br />Submit Applications <a href="mailto:submissions@apogeeinsgroup.com" target="_blank">Here</a></span></td></tr>
</tbody></table>
<div class="MsoNormal">
Employers have been blurring the lines of FLSA for years. Even
those with good intentions can fall into FLSA related issues. While large
corporations are highly publicized for FLSA lawsuits, it is smaller companies
that are hit harder when claims occur. As not all EPL insurance covers FLSA
related claims, many small companies are unprotected and don’t even know it! In
fact, the U.S. Department of Labor estimates that as many as 70 percent
of employers are not in compliance with the FLSA in some material way.</div>
<a href="https://www.blogger.com/null" name="offenses"> </a>
<br />
<h4>
Most Common FLSA Offenses for Small Businesses</h4>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal">Not
paying overtime for time worked over 40 hours in a week</li>
<ol start="1" style="margin-top: 0in;" type="a">
<li class="MsoNormal">Four
<b>Janitors </b>that were not paid for overtime worked won $103,736 for
overtime pay and liquidated damages</li>
</ol>
<li class="MsoNormal">Misclassifying
managers and assistant managers as exempt</li>
<ol start="1" style="margin-top: 0in;" type="a">
<li class="MsoNormal">Retail
<b>Clothing Store Manager </b>was misclassified as exempt as he spent
more than half of his time engaged in non-exempt,non-managerial
activities. Plaintiff awarded $38,000 in back overtime pay and $62,000 in
attorney’s fees</li>
</ol>
<li class="MsoNormal">Paying
Lump Sum amounts for overtime hours worked vs. paying 1.5 times the normal
hourly rate</li>
<ol start="1" style="margin-top: 0in;" type="a">
<li class="MsoNormal">Small
<b>Concrete Company </b>paid a $12,900 settlement and $20,000 in attorney
fees for paying non-exempt workers a lump sum amount for overtime rather
than time and a half for hours worked over 40</li>
</ol>
</ol>
<div class="MsoNormal">
Two additional common FLSA offenses for small businesses
include not paying for overtime since it had not been pre-approved and allowing
employees to “waive” their rights under the FLSA</div>
<a href="https://www.blogger.com/null" name="claims"> </a>
<br />
<div class="MsoNormal">
<o:p> </o:p> </div>
<h3>
More FLSA Claims Examples</h3>
<div class="MsoNormal">
Between January 2006 and September 2013 FLSA cases totaled
$2.95 billion in settlement dollars.</div>
<h4>
Misunderstanding of Regulations</h4>
<div class="MsoNormal">
A mortgage company was sued by 54 of its loan officers for over
$220,000 in unpaid overtime. The owner was under the impression that FLSA did
not apply to highly compensated employees. Many of his staff members earned
well over 150k per year with the average compensation being $105,000. There is
an exception to the FLSA law for highly compensated individuals earning at
$100,000 per year or more but the exception also stipulates that a minimum of $455
per week must be paid. These employees were not paid during weeks where they
did not close loans.</div>
<h4>
Exempt Employee Confusion</h4>
<div class="MsoNormal">
A laser machining plant was sued for unpaid overtime after firing
an employee for what the company described as tardiness and an uncooperative
attitude. The administrative assistant was listed as exempt although many of
her job responsibilities are considered to be traits of a non-exempt classification.
Her lawyer argued that she could not have been an exempt employee since she was
docked pay for every hour that she did not work that was less than 38 in a week.
The lawsuit settled for $73,000 in liquidated damages for intentional misclassification.</div>
<h4>
Underage Employees</h4>
<div class="MsoNormal">
A grocery store was directed to pay over $52,000 in
restitution to thirteen employees all under the age of sixteen for willful
violations of the Fair Labor Standards Acts (FLSA) youth employment provisions.
The market had minors working six consecutive hour shifts as well as performing
such tasks as cleaning a meat slicer, loading a paper baler and operating the
power driven baking machine. The FLSA’s youth employment provisions identify
hazardous orders that prohibit these specific activities for workers under
eighteen and limits the number of hours that minors can work on school
days/weeks.</div>
<a href="https://www.blogger.com/null" name="apogee"> </a>
<br />
<div class="MsoNormal">
<br /></div>
<h3>
FLSA Coverage at Apogee</h3>
<div class="MsoNormal">
At Apogee we can work with you to insure that your small
business is insured under federal labor regulations. Access to top markets and
years of expertise allow us to provide high quality, competitive quotes when
you need them. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Learn more about FLSA and EPL coverage at Apogee <a href="http://www.apogeeinsgroup.com/Employment-Practices-Liability.html" target="_blank">here</a></div>
<div class="MsoNormal">
<a href="http://www.apogeeinsgroup.com/professionalliability/EPL-(12-12)-Update3-31.pdf" target="_blank">Application for coverage</a></div>
<div class="MsoNormal">
Submit completed applications <a href="mailto:submissions@apogeeinsgroup.com" target="_blank">here</a></div>
<div class="MsoNormal">
<br /></div>
<h4>
Application Requirements</h4>
<ul>
<li>Application</li>
<li>Loss runs, if applicable</li>
<li>Copy of current declarations page</li>
</ul>
<br />
<h4>
Contact Information</h4>
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj4R0Oi-brd4WtSbkUh9F6FjMuAOoTXiHXw7H4lg34b0rs724fxDfujyqNtsUavKVNDWbvXiyp4qDRBGcJTqru7A9Fr9jBZ_q5CzJ-BuO9PAKidPQ7Q8U2-eCDpB77akZd4-10VXmSDVOU/s1600/ChrisHoxie.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj4R0Oi-brd4WtSbkUh9F6FjMuAOoTXiHXw7H4lg34b0rs724fxDfujyqNtsUavKVNDWbvXiyp4qDRBGcJTqru7A9Fr9jBZ_q5CzJ-BuO9PAKidPQ7Q8U2-eCDpB77akZd4-10VXmSDVOU/s1600/ChrisHoxie.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Chris Hoxie<br />
Senior Account Manager<br />
(610) 337-3200 Ext. 7027<br />
choxie@apogeeinsgroup.com</td></tr>
</tbody></table>
<div>
<br /></div>
Anonymoushttp://www.blogger.com/profile/04319621706136927855noreply@blogger.comtag:blogger.com,1999:blog-982931011621659463.post-86779790404673689792014-04-22T11:57:00.000-07:002014-04-22T13:52:41.676-07:00Commercial Pollution Coverage: Could your Local Dry Cleaner be in Trouble? <br />
Commercial Pollution Coverage for dry-cleaners is one of the largest untapped markets for insurance agencies across the country. A business that is universal to all communities, thousands of dry cleaners operate daily without Commercial Pollution Coverage and are thus leaving themselves exposed to huge risks. Are your local dry cleaners covered? Would they be able to afford a multi-million dollar claim from a simple environmental mistake? To understand what an environmental liability claim can mean for a dry cleaner, take a look at some examples below.<br />
<div>
<br /></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEho8JQ0deSCxrEgQ3lNdjOGKdjIOF7aRzJp9kysVWJzr_XIZ1QS6ME86mRbeMZReaYMEMdMNzqVo0qB4s1BJArNrsvnYEhvj7cmTMkYcmBQUxW5iLXnyLLfvXEoVNAfgzm6oI_prm2P1D4/s1600/Dry+Cleaning.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEho8JQ0deSCxrEgQ3lNdjOGKdjIOF7aRzJp9kysVWJzr_XIZ1QS6ME86mRbeMZReaYMEMdMNzqVo0qB4s1BJArNrsvnYEhvj7cmTMkYcmBQUxW5iLXnyLLfvXEoVNAfgzm6oI_prm2P1D4/s1600/Dry+Cleaning.jpg" height="266" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><a href="http://www.apogeeinsgroup.com/Environmental-Pollution-Liability.html" target="_blank">Environmental Pollution Insurance at Apogee</a><br />
<a href="http://www.apogeeinsgroup.com/ProfessionalLiability/Environmental-Impairment-Liability-Markel-Apogee.pdf" target="_blank">Environmental Liability Application</a><br />
<a href="mailto:submissions@apogeeinsgroup.com" target="_blank">Submit Applications Here</a></td></tr>
</tbody></table>
<div>
<br />
<br />
<a href="https://www.blogger.com/null" name="claims"> </a>
<br />
<h2>
Claims Examples</h2>
<div>
<h4>
Contaminating Operations</h4>
Three local dry cleaners found themselves in quite a mess when groundwater samples in the area brought contaminated water to nearly 30,000 people. Following an investigation, operations at these dry cleaners were found to contribute to the groundwater contamination with floor drains that flowed into inadequate private sewage systems and storage tanks that leaked solvents. The launders faced immense clean up costs, which included site excavation, and claims of property damage and bodily injury. Inadequate systems brought claims total to $40 million for these three dry cleaners. <br />
<h4>
Inadequate Septic System</h4>
Following reports of foaming water in homes, apartments, schools and community centers, a county health department conducted an investigation on a local dry cleaner’s septic and sewage system. The system was ultimately found to be the source of volatile organic compound contamination in the groundwater. The laundry facility was required to install entirely new systems and dispose of all spent cleaning fluids off site. The entire community was affected with all residences advised to use bottled water. Penalties, claims and legal fees totaled a staggering $100 million for the local dry cleaner.<br />
<h4>
Release of Solvents</h4>
A decision made by a dry cleaning service prior to 1975 to discharge dry cleaning solvents and laundry wastes into a seepage lagoon came back to bite them ten years later when citizens began complaining about water quality. The dry cleaning owner ended up negotiating a settlement with the state in which he was required to construct a deeper well and face penalties. The total cost claims and cleanup totaled $4.5 million. <br />
<br />
<h2>
Capitalizing on the Dry Cleaning Market</h2>
At Apogee, we are happy to help you provide the tools and information necessary to sell coverage to your local dry cleaner and other businesses exposed to environmental liability. With specialized experience and access to the highest rated markets, we can help you to capitalize on these opportunities with expertise and fast, competitive quotes. <br />
<h3>
Additional Environmental Liability Opportunities</h3>
Looking for more ways to profit from the green movement? In addition to commercial pollution liability, Apogee can provide coverage for site pollution, tanks and commercial pollution liability to include transit coverage. <br />
<h3>
<a href="https://www.blogger.com/null" name="apogee"> </a>
Apogee Coverage</h3>
</div>
<div>
Learn more about Environmental Pollution Liability Insurance at Apogee <a href="http://www.apogeeinsgroup.com/Environmental-Pollution-Liability.html" target="_blank">here </a></div>
<div>
<br /></div>
<div>
<a href="http://www.apogeeinsgroup.com/ProfessionalLiability/Environmental-Impairment-Liability-Markel-Apogee.pdf" target="_blank">Environmental Liability Application</a><br />
<a href="http://www.apogeeinsgroup.com/ProfessionalLiability/TankSafeApp.pdf" target="_blank">Storage Tank Application</a></div>
<div>
<a href="http://www.apogeeinsgroup.com/ProfessionalLiability/ENVapp_SmallConsultantsContractorsELF_Markel.doc" target="_blank">Contractors Application</a></div>
<div>
<br /></div>
<div>
<b>Submit Completed Applications <a href="mailto:submissions@apogeeinsgroup.com" target="_blank">Here</a></b></div>
<div>
<b><br /></b></div>
<div>
<b>Submission Requirements: </b></div>
Application<br />
Loss runs, if applicable<br />
Resumes of key personnel<br />
Sample customer contract<br />
Copy of current dec page<br />
3 years of financials</div>
<div>
<br /></div>
<div>
<h3>
Contact Information</h3>
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjD59OFYbkoc4ZfXOBW2sY3mwhjbf00MMJDvhakRSoZaetk5ukPYRFEc9A9uKhRqlfqnOiK17tOBboz0moG6exe3m3R3c6_PfgyxbWyxzjYfjSM8KFPmskNEh1KqGLI3wYPybSn-z7osEA/s1600/ChrisBradley75.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjD59OFYbkoc4ZfXOBW2sY3mwhjbf00MMJDvhakRSoZaetk5ukPYRFEc9A9uKhRqlfqnOiK17tOBboz0moG6exe3m3R3c6_PfgyxbWyxzjYfjSM8KFPmskNEh1KqGLI3wYPybSn-z7osEA/s1600/ChrisBradley75.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-size: small;">Chris Bradley<br />Senior Account Manager<br />(610) 337-3200 Ext. 7021<br />cbradley@apogeeinsgroup.com</span></td></tr>
</tbody></table>
<div>
<br /></div>
<div>
<b><br /></b></div>
</div>
Anonymoushttp://www.blogger.com/profile/04319621706136927855noreply@blogger.comtag:blogger.com,1999:blog-982931011621659463.post-62259839503366850002014-04-15T13:51:00.003-07:002014-04-22T13:43:28.739-07:00Understanding Real Estate Errors and Omissions <o:p></o:p>A real estate purchase or sale is one of the single most important financial decisions an individual can make. Not only does this decision have significant impact on financial health, it also sets gears in motion for numerous subsequent decisions and opportunities related to quality of life. Most individuals who look to purchase real estate realize the implications of their decision on all aspects of their life. As so, most individuals look to outside sources for guidance. If a real estate purchase goes bad and you were involved in the decision making process, you may face as many, if not more, negative consequences as the purchaser themselves.<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjU2IuV_WTc79G5nauwU64b7GNoQYqTvy2w4tHeeLcos2GgPR__vvn_XB89yvcLjd-ecvjFe3ZEEaMD1przi2qHBsueT9iHiPt_TmC_3khx1BO_JgaQcE5nJz13vjat7p74NIseBx9uabM/s1600/real+estate.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjU2IuV_WTc79G5nauwU64b7GNoQYqTvy2w4tHeeLcos2GgPR__vvn_XB89yvcLjd-ecvjFe3ZEEaMD1przi2qHBsueT9iHiPt_TmC_3khx1BO_JgaQcE5nJz13vjat7p74NIseBx9uabM/s1600/real+estate.jpg" height="213" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-size: small;"><b><a href="http://www.apogeeinsgroup.com/ProfessionalLiability/Dapp_Professional_Real_Estate_EO_IQ.pdf" target="_blank">Real Estate E&O Application</a><br /><a href="mailto:submissions@apogeeinsgroup.com" target="_blank">Submit Applications Here</a></b></span></td></tr>
</tbody></table>
<div>
As guides to these life changing decisions, real estate agents and property managers are exposed to errors and omissions risks everyday, no matter how meticulously they conduct their business. In short, Real Estate E&O coverage protects against financial losses from lawsuits filed due to error, omission, or negligence in regard real estate agency duties. Increasing complexities of the real estate market have only intensified the need for errors and omissions coverage when it comes to marketing property.<br />
<a name="claims" > </a>
<h2>
Real Estate Claims </h2>
According to a recent article Realtor Magazine and The National Association of Realtors, the biggest legal liabilities for businesses in the real estate industry are currently highlighted as:<br />
<ol>
<li><b>Social Media:</b> inaccurate information posted, failure to comply with licensing regulations and laws, libel/defamation </li>
<li><b>Short Sales & Foreclosures Laws and Regulations: </b>forcing agents to understand and interpret complex legal documents from banks and client communication </li>
<li><b>Their Own Words:</b> Discrimination and perceived bias or misstatement/misrepresentation</li>
</ol>
<h3>
Recent Claim: Sexual Escapades and Real Estate?</h3>
<div class="MsoNormal">
A New Jersey real estate agent was brought to court in December of 2013 after being accused of purposely deterring buyers from visiting a house on the market so he could use it for his own “sexual escapades.” The agent in question allegedly kept the home above market value to ensure buyers would stay away. Hidden cameras placed inside the house caught him engaging in sexual activities on ten different occasions inside the New Jersey home. The homeowners are currently seeking compensatory damages for breach of contract, trespassing, invasion of privacy, infliction of emotion distress and other civil counts. <br />
<br />
Since the late 2000’s implosion of the US housing market, professional liability lawsuits brought against real estate brokers and agents have skyrocketed. It has never been more important to review the coverage that your real estate risks have in place with Apogee today!</div>
<a name="apogee" > </a>
<h2>
Real Estate E&O and Apogee </h2>
At Apogee we can offer coverage for residential real estate sales, property management, commercial real estate sales and real estate appraisers. We offer extremely competitive rates for the value we can bring to clients with access to over 50 "A" rated or better markets, expertise and quick turnaround times.<br />
<div class="MsoNormal">
<br />
To better understand the value Apogee can bring to real estate professionals, take a look at some recently bound coverage and available markets <span style="font-family: Arial; font-size: 10.0pt;"><a href="http://www.apogeeinsgroup.com/Real-Estate-Errors-and-Omissions.html">here</a>.</span></div>
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<span style="font-family: Arial; font-size: 10.0pt;"><br /></span></div>
Put Apogee to work for you on your next real estate submission. We look forward to working with you!<br />
<h3>
Ready to Fill out an Application?</h3>
<div class="MsoNormal">
<span style="font-family: Arial; font-size: 10.0pt;"><a href="http://www.apogeeinsgroup.com/ProfessionalLiability/Dapp_Professional_Real_Estate_EO_IQ.pdf" target="_blank">Real Estate E&O Application</a><o:p></o:p></span></div>
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<br /></div>
<div class="MsoNormal">
Please submit all completed applications, in addition to application loss runs and current declaration pages to <span style="font-family: Arial; font-size: 10.0pt;"><a href="mailto:submissions@apogeeinsgroup.com">submissions@apogeeinsgroup.com</a></span><span style="font-family: Arial; font-size: 10pt;"> </span></div>
<div class="MsoNormal">
<span style="font-family: Arial; font-size: 10pt;"><br /></span></div>
<br />
<h4>
Contact Info</h4>
</div>
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: 0px; margin-right: auto; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgdzGEx9XXZqIDb1bR2tg1V_xLpd0ZIAKPIKrTeiuSeDkCdHR68YrO3Nz1qx9IIkOqgmMjheu2u8bVA_tVLvdfi9bxzvyZg6xaLhNZVg_FZMz6VfTHl7nbFLyEEedPxb-O0bESPPDcwtsI/s1600/MikeCavanaugh1.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgdzGEx9XXZqIDb1bR2tg1V_xLpd0ZIAKPIKrTeiuSeDkCdHR68YrO3Nz1qx9IIkOqgmMjheu2u8bVA_tVLvdfi9bxzvyZg6xaLhNZVg_FZMz6VfTHl7nbFLyEEedPxb-O0bESPPDcwtsI/s1600/MikeCavanaugh1.JPG" /></a></td></tr>
<tr><td class="tr-caption"><span style="font-size: small;"><b>Michael Cavanaugh<br />Assistant VP<br />610-337-3200<br />Ext. 7029</b></span></td></tr>
</tbody></table>
<div>
<br /></div>
<br />
<div>
<br /></div>
Anonymoushttp://www.blogger.com/profile/04319621706136927855noreply@blogger.comtag:blogger.com,1999:blog-982931011621659463.post-9326865876009282892014-04-10T12:30:00.001-07:002014-05-09T13:41:32.049-07:00Small Business: The backbone of your company, made easy<div class="MsoNormal">
In the <st1:place w:st="on">United
States</st1:place>, small business employs over half of
the country's workforce. While many people think that the industrial giants drive our economy, its small business that's really top dog. Small business in <st1:place w:st="on">America</st1:place> is the stabilizer of our economy. Entrepreneurs are the backbone of creativity and
production. Small business is what stimulates economic growth. With over 60% of
all private sectors, non-farm jobs coming from small business, it is a proven
fact that small businesses are critical to the <st1:place w:st="on">United States</st1:place> economy. Thus, it is
critical that our small businesses are fully protected.<br />
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgN3-9Q3ydZWib5OiHUxw58oTB3TmS0ll0MsInJ3gT-wltWw-VBVThwtsvxvEP7p4SDY3IZeiXiVzh_ETIzJI635_p_UYAZlmZ603Mqk4Axgp3U_NcPs_SSWcriRS0TFY-xE7Gct8-FMpQ/s1600/small+business.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgN3-9Q3ydZWib5OiHUxw58oTB3TmS0ll0MsInJ3gT-wltWw-VBVThwtsvxvEP7p4SDY3IZeiXiVzh_ETIzJI635_p_UYAZlmZ603Mqk4Axgp3U_NcPs_SSWcriRS0TFY-xE7Gct8-FMpQ/s1600/small+business.jpg" height="213" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><a href="http://www.apogeeinsgroup.com/small-business-unit.html" target="_blank"><span style="font-size: small;"><b>Apply for Small Business Coverage Here</b></span></a><br />
<a href="mailto:submissions@apogeeinsgroup.com" target="_blank"><span style="font-size: small;"><b>Send Applications Here</b></span></a></td></tr>
</tbody></table>
<br /></div>
<h4>
Small Business at Apogee </h4>
<div class="MsoNormal">
Insurance coverage is just as essential, if not more so, for
small businesses as it is for large corporations. At Apogee we have a team
prepared to provide you with what these companies need. Our Small Business Team
realizes the pressure these companies are under to obtain coverage and dedicate
themselves to making the quoting process quick and easy. We have access to
online tools to provide you with multiple quotes within 24 hours from the
highest rated insurance markets. Our online rating systems require minimal
information from the insured and help us get quotes out fast while still
offering personalized coverage. Our expertise of the industry and dedication to
small business needs is unmatched. We can quote all types of risk; including <a href="http://www.apogeeinsgroup.com/Errors-and-Omissions.html">Errors &Omissions</a>, <a href="http://www.apogeeinsgroup.com/Management-Liability-D&O.html">Directors & Officers</a>, <a href="http://www.apogeeinsgroup.com/ProfessionalLiability/nonprofit-nppla.pdf">Non Profit Directors & Officers</a>, <a href="http://www.apogeeinsgroup.com/SecurityAndPrivacy-CyberLiability.html">Cyber Liability</a>, and <a href="http://www.apogeeinsgroup.com/Employment-Practices-Liability.html">Employment Practices Liability</a>. Follow these links to be directed to our website and applications. Send all completed applications to <a href="mailto:submissions@apogeeinsgroup.com">submissions@apogeeinsgroup.com</a> and receive multiple quote options within 24 hours. </div>
<div class="MsoNormal">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi6TVErTOLZgDIRDwxqhL_jls1yDfvpX1BhqPUH7PNycE1FbRmJIqSHMUScvuIgVOZAK7kE1UeyqYyFGnDuSger6TTVXuSvzM6TAZlSR8m0u-zCZdmHp39FwKtLCDZoap7myur2A8XzC34/s1600/Spine.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi6TVErTOLZgDIRDwxqhL_jls1yDfvpX1BhqPUH7PNycE1FbRmJIqSHMUScvuIgVOZAK7kE1UeyqYyFGnDuSger6TTVXuSvzM6TAZlSR8m0u-zCZdmHp39FwKtLCDZoap7myur2A8XzC34/s1600/Spine.jpg" /></a></div>
<div class="MsoNormal">
While these are not the only risks we can write, our Small
Business Team often works closely with: </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Real Estate – Commercial/Residential</div>
<div class="MsoNormal">
Property Managers</div>
<div class="MsoNormal">
Bookkeepers</div>
<div class="MsoNormal">
Event Planners</div>
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Interior Designers</div>
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Consultants</div>
<div class="MsoNormal">
Travel Agents</div>
<div class="MsoNormal">
Non Profits</div>
<div class="MsoNormal">
Restaurants</div>
<div class="MsoNormal">
Construction Managers</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<o:p><br /></o:p></div>
<div class="MsoNormal">
<a href="https://www.blogger.com/null" name="contacts"> </a>
<b><i>If you have any questions please visit our Small Business
Team at <a href="http://www.apogeeinsgroup.com/small-business-unit.html">http://www.apogeeinsgroup.com/small-business-unit.html</a>
or contact: </i></b></div>
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<br /></div>
<div class="MsoNormal">
<br /></div>
<div>
<br /></div>
<div>
<img alt="Steven Finkelstein" src="http://www.apogeeinsgroup.com/ProfessionalLiability/Steve-Finkelstein.jpg" /></div>
<div>
Steve Finkelstein </div>
<div>
610-337-3200</div>
<div>
Ext. 7043</div>
<div>
<a href="mailto:sfinkelstein@apogeeinsgroup.com">Email</a><br />
<br />
<div class="MsoNormal">
<br /></div>
</div>
Anonymoushttp://www.blogger.com/profile/04319621706136927855noreply@blogger.comtag:blogger.com,1999:blog-982931011621659463.post-89792552957708715492014-04-10T12:13:00.001-07:002014-04-22T13:50:42.590-07:00Medical Spas: Lasers, Botox and Plenty of Risk<div class="MsoNormal">
Medical spas have
been proliferating across the country. These day spa-medical clinic hybrids
locations seek to treat conditions that cannot be effectively treated by traditional
estheticians. Under the supervision of a medical doctor, patients can receive a
range of treatments including laser hair removal, Botox, aggressive chemical
peels, acupuncture and skin grafts. While these services can offer improved
quality of life and stress reduction for many patients, they also create <b>huge risk exposures </b>for the health
professionals who conduct and oversee them. No matter how careful a medical spa
is at keeping its patients informed and realistic about their procedures, unsatisfactory
or painful results, which are bound to occur, can drive any patient to court. </div>
<div class="MsoNormal">
<br /></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh7KUhDHb3SxCkh8lPt1sHQLzYsNvGeHwe7MF2JttdCDURfoXq8-73yDgDw-2-F-LBTyI9Abe3hSxoSPpbQcWG-wm2YHNH5IQQpTOqoQK_Uygkpf6eMHsVpNGuSJuKJeL6QCF5WPS6842U/s1600/Spa.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh7KUhDHb3SxCkh8lPt1sHQLzYsNvGeHwe7MF2JttdCDURfoXq8-73yDgDw-2-F-LBTyI9Abe3hSxoSPpbQcWG-wm2YHNH5IQQpTOqoQK_Uygkpf6eMHsVpNGuSJuKJeL6QCF5WPS6842U/s1600/Spa.jpg" height="212" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><a href="http://www.apogeeinsgroup.com/ProfessionalLiability/AlliedHealthcareAPP_MedicalSpas_Admiral.pdf" target="_blank"><span style="font-size: small;"><b>Apply for Medical Spa Coverage Here</b></span></a><br />
<a href="mailto:submissions@apogeeinsgroup.com" target="_blank"><span style="font-size: small;"><b>Send Completed Applications Here</b></span></a></td></tr>
</tbody></table>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Services that may affect the health and safety of customers
are, by nature, incredibly risky. Depending on menu of services, location and
personnel, every medical spa has unique wide-range risk exposures. Even the
most experienced and careful allied health professionals can come under fire
from an unhappy patient. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<a href="https://www.blogger.com/null" name="claims"> </a>
<b>A Bad Day at the
(Medical) Spa: Claim Examples <o:p></o:p></b></div>
<div class="MsoNormal">
<br /></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal">A
patient is claiming negligence and advertising injury after suffering from
gangrene following a mesotherapy treatment performed by an unsupervised
nurse. The patient cited the spa’s website that described the service as a
"nonsurgical technique for spot weight reduction with minimal side
effects and minimal bruising." Suffering from painful side effects of
this non-FDA approved treatment, this patient is up in arms seeking
significant compensation. </li>
<li class="MsoNormal">A
patient brought Pure Med Spa, now bankrupt, to court for scarring on her
neck caused by laser treatment to remove age sports. She was awarded
$100,000 for her pain and suffering.</li>
<li class="MsoNormal">A
Chicago-based medical spa was sued by an Attorney General for “using
high-pressure sales tactics based on deceptive marketing claims to induce
consumers into purchasing a series of medical and beauty treatments” that
resulted in unwanted side effects and less than satisfactory results. The
plaintiff was ordered to pay civil penalties upwards of $100,000. </li>
</ol>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<a href="https://www.blogger.com/null" name="apogee"> </a>
<br />
<div class="MsoNormal">
<b><span style="font-size: 14.0pt;"> Allied Health and Apogee <o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Demand of coverage and increased trendiness of these services
have made medical spas an incredibly competitive area for insurance providers.
At Apogee, with our industry expertise and service promises, we commit
ourselves to taking advantage of these market conditions and bringing you the <b>most competitive </b>coverage for your medical
spa needs. We will work closely with you to ensure full, personalized coverage
and a painless application process. With in-house coverage specialists and
market access to over 50 "A" rated or better markets, Apogee is your
solution for your medical spa and allied healthcare entity needs.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Beyond medical spas, our allied health coverage can provide
protection services for:</div>
<div class="MsoNormal">
<br /></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal"><a href="http://www.apogeeinsgroup.com/ProfessionalLiability/AlliedHealthcareAPP_HomeHealthcareAgencyNurseRegistryStaffing.pdf" target="_blank">Home Healthcare</a></li>
<li class="MsoNormal"><a href="http://www.apogeeinsgroup.com/ProfessionalLiability/AlliedHealthcareAPP_AdultDayCare.pdf" target="_blank">Companion Care</a></li>
<li class="MsoNormal"><a href="http://www.apogeeinsgroup.com/ProfessionalLiability/AlliedHealthcareAPP_Pharmacy.pdf" target="_blank">Pharmacies</a></li>
<li class="MsoNormal"><a href="http://www.apogeeinsgroup.com/ProfessionalLiability/AlliedHealthcareAPP_HomeHealthcareAgencyNurseRegistryStaffing.pdf" target="_blank">Nursing Homes</a></li>
<li class="MsoNormal"><a href="http://www.apogeeinsgroup.com/ProfessionalLiability/AlliedHealthcare%20APPAmbulanceServices.pdf" target="_blank">Ambulances and Medical Transport</a></li>
<li class="MsoNormal"><a href="http://www.apogeeinsgroup.com/ProfessionalLiability/AlliedHealthcareAPP_EMTParamedic_Admiral.pdf" target="_blank">EMT Paramedics</a></li>
<li class="MsoNormal"><a href="http://www.apogeeinsgroup.com/ProfessionalLiability/AlliedHealthcareAPP_AmbulatorySurgeryCenters.pdf" target="_blank">Surgery Centers</a></li>
<li class="MsoNormal">And
more….</li>
</ul>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Are your medical spa risks properly covered? Apply today and
send your submissions to <span style="font-family: Arial; font-size: 10.0pt;"><a href="mailto:submissions@apogeeinsgroup.com" title="mailto:submissions@apogeeinsgroup.com">submissions@apogeeinsgroup.com</a><o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: Arial;"><b><span style="font-size: x-small;">Application: </span><a href="https://www.blogger.com/goog_1120197372"> <o:p></o:p></a></b></span><span style="font-family: Arial;"><a href="http://www.apogeeinsgroup.com/ProfessionalLiability/AlliedHealthcareAPP_MedicalSpas_Admiral.pdf">Medical Spa Coverage</a></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: Arial; font-size: 10.0pt;">To learn
more about allied health coverage at Apogee please click <a href="http://www.apogeeinsgroup.com/alliedhealth.html">here</a> or contact
Charlie Sturm<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<img alt="Charles Sturm" src="http://www.apogeeinsgroup.com/ProfessionalLiability/CharlesSturm.jpg" /></div>
<div class="MsoNormal">
<b>Charlie Strum</b></div>
<div class="MsoNormal">
Account Manager</div>
<div class="MsoNormal">
(610) 337 3200</div>
<div class="MsoNormal">
Ext. 7036</div>
<div class="MsoNormal">
<br /></div>
Anonymoushttp://www.blogger.com/profile/04319621706136927855noreply@blogger.comtag:blogger.com,1999:blog-982931011621659463.post-29650845502814722882014-04-04T13:32:00.002-07:002014-04-22T13:46:18.610-07:00Celebrate Architecture Week with A&E Coverage<br />
Did you know that April 6-12th is National Architecture Week? It is celebrated every year over the birthday week of our nation’s first president architect, Thomas Jefferson. We're ready to celebrate at Apogee!<br />
<div>
<br />
The goal of National Architecture Week (NAW) is to create awareness and bring attention to the important role that architects play in positive change for our communities. Through the week, award-winning architects will share personal stories and inspirations on Facebook and Twitter and designers and fans alike will upload images of their favorite local architectural sites on Instagram for the “Architecture is Awesome” contest. You can follow in real-time on Twitter and Instagram with the hashtag #archweek14. For several America Institute of Architects chapters, the festivities will be brought offline with receptions, lectures, film screenings, award ceremonies and open houses. </div>
<div>
<br />
<b>To celebrate Architecture Week 2014 and show our gratitude we are offering a free form comparison on your next A&E submission to us! </b><br />
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiHzeZmS9LiMAPVdpxvpNk-fhBuE_urnbe_0-KpPxrvw2AgWieXV8TvAkk8mp62RgUHP1VrsGkMkEstBk1E4B9TrAOoUpfrBPjRhoOAohuZCFomyGKuPLgCXNPSrr3sHAdhFAV42jEc28M/s1600/Architect.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiHzeZmS9LiMAPVdpxvpNk-fhBuE_urnbe_0-KpPxrvw2AgWieXV8TvAkk8mp62RgUHP1VrsGkMkEstBk1E4B9TrAOoUpfrBPjRhoOAohuZCFomyGKuPLgCXNPSrr3sHAdhFAV42jEc28M/s1600/Architect.jpg" height="213" width="320" /></a></td></tr>
<tr><td class="tr-caption"><a href="http://www.apogeeinsgroup.com/ProfessionalLiability/Architects-Engineers_Apogee.pdf" target="_blank"><span style="font-size: small;"><b>Apply for A&E Coverage Here</b></span></a><br />
<a href="mailto:submissions@apogeeinsgroup.com" target="_blank"><span style="font-size: small;"><b>Send Applications Here</b></span></a></td></tr>
</tbody></table>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<br />
Our A&E coverage can provide clients with the tools to defend and indemnify against claims alleging negligence of errors and omissions in job performance. This includes, and it not limited to, bodily injury, property damage, slander, libel, punitive damages, pollution, and defense costs. <br />
<h4>
<a name="claims"></a>
Recent A&E Claims:</h4>
<b>Lebanon PA:</b> The borough of Lebanon sued the A&E Firm and everyone associated with project renovations at Borough Hall. The claim stated that the contractors did not follow directions and produced a final product with design flaws. The requested value of this claim is $2.5 M<br />
<br />
<b>General Motors: </b>GM was recently sued for negligence in the design/testing of ignitions in their vehicles. This claim stated that GM did not follow national highway safety rules and that its ignition design caused motor-vehicle accidents, injuries and deaths. This Class Action Suit is likely to see payouts excess of $5M</div>
<div>
<h3> <a name="apogeecoverage" > </a>
A&E Coverage at Apogee</h3>
Apogee is dedicated and focused on earning the role of your "go to" outlet for your architect and engineer submissions. As you may know, we have a dedicated team within Apogee committed to the architect and engineering industry as well as the A&E insurance marketplace. We strive to use our expertise as a way to be a resource for you- whether it be to grow your book with A&E business or to market your existing book to ensure you have the right coverage in place.</div>
<div>
<br />
Our Architects and Engineers products will protect insureds from similar situations and are available with admitted and non-admitted markets with ratings of A and higher throughout all 50 U.S. states.<br />
<br />
<i>Celebrate Architecture Week with Apogee and take advantage of expertise and market access by sending us an A&E submission today!</i><br />
<a name="apps"></a>
<br />
<a href="http://www.apogeeinsgroup.com/Architects-Engineers.html">Learn More</a></div>
<div>
<br /></div>
<div>
<a href="http://www.apogeeinsgroup.com/ProfessionalLiability/Architects-Engineers_Apogee.pdf" target="_blank">Apply Here</a><br />
<br />
<a href="mailto:submissions@apogeeinsgroup.com" target="_blank">Send Applications Here</a><br />
<br />
<h3>
Contact Information</h3>
</div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhJEd09Zlv4vKqJMXLRSv2PQt4WKyeQF5FSvIJ9Y2qidvPPBXhqrmSHWFy33chjcsRHmzFgbw4d3PAYDKizSf1XlsJ6dDJ7pZtwODUsOcorp3gPtnglSAhuYMdS-Je0yNpaAjBpMJ-DZgk/s1600/ChrisBradley75+(1).jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhJEd09Zlv4vKqJMXLRSv2PQt4WKyeQF5FSvIJ9Y2qidvPPBXhqrmSHWFy33chjcsRHmzFgbw4d3PAYDKizSf1XlsJ6dDJ7pZtwODUsOcorp3gPtnglSAhuYMdS-Je0yNpaAjBpMJ-DZgk/s1600/ChrisBradley75+(1).jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Chris Bradley<br />
Sr. Account Manager<br />
(610) 337-3200<br />
Ext. 7021</td></tr>
</tbody></table>
<div>
<br /></div>
Anonymoushttp://www.blogger.com/profile/04319621706136927855noreply@blogger.comtag:blogger.com,1999:blog-982931011621659463.post-63334130416029655332014-04-03T13:53:00.002-07:002014-04-22T13:51:14.279-07:00Spotlight on Data Breach<br />
In 2013 alone, Americans reported 47,000 data breach incidents totaling a staggering 44 million compromised records. As technology explodes, so does our exposure to technology related claims. Information is everywhere we look and more accessible than ever. Exposures never used to exist are now at the forefront of many companies’ liabilities. <br />
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiVRq02nEaA7OD2FzqzgnMWD_xyD18TB1ua31s7xXr2nuTIUxMXOMo0_4FMuehJfr_f7X5PHLUqRP2DEj1xEyUcPo7L5zQtK1sjrUne30WdDbPa5zQ8evacKnEcgQYbQ-vaFdhHSmrr15A/s1600/hacker+on+laptop.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiVRq02nEaA7OD2FzqzgnMWD_xyD18TB1ua31s7xXr2nuTIUxMXOMo0_4FMuehJfr_f7X5PHLUqRP2DEj1xEyUcPo7L5zQtK1sjrUne30WdDbPa5zQ8evacKnEcgQYbQ-vaFdhHSmrr15A/s1600/hacker+on+laptop.jpg" height="198" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><a href="http://www.apogeeinsgroup.com/Technology-Errors-and-Omissions.html" target="_blank"><span style="font-size: small;"><b>Apply for Technology E&O Here</b></span></a><br />
<a href="mailto:submissions@apogeeinsgroup.com" target="_blank"><span style="font-size: small;"><b>Send Applications Here</b></span></a></td></tr>
</tbody></table>
<br />
The business functions that are most at risk include E-commerce, credit card processing, website design, consulting, data storage and technical support. This list doesn’t stop there. Everyday, hundreds of businesses are exposed to cyber liability. A security breach could result in losses of hundreds of thousands or even millions of dollars, not to mention an incalculable loss of reputation. What many businesses don’t realize is that even the most costly risk exposures are often the result of simple mistakes and oversights or out of your control completely. Cyber Liability policies can give you the protection you need. Additionally, many of these policies will also help you to prevent these careless mistakes through risk management services and, in certain cases, a “Breach Coach” to help contain costs in the event of a loss.<br />
<h3>
How is Data Breach Defined?</h3>
<div>
One of the most complicated aspects of Data Breach liability is that is defined differently everywhere you go. All but four states have enacted data security and breach notification laws with individual definitions of personal information, notices required and appropriate coverage. When it comes to Cyber Liability, every customer’s needs are unique and may fall under a number of different coverage options.</div>
<div>
<h3>
Data Breach in the News</h3>
In 2013, US experienced the highest total cost of data breach worldwide with payouts averaging $5.4 million per breach. Small and medium company data breaches in particular have skyrocketed. Take a look at some high profile data breach stories that have been making recent headlines. <br />
<a href="https://www.blogger.com/null" name="maryland"></a>
<br />
<h4>
University of Maryland</h4>
The University of Maryland College Park reported two data breaches within two weeks for the month of March following an unrelated massive breach of 288,000 individual’s personal information on February 18th, 2014. Twice within a short period of time, someone was able to hack into the school’s computer network and obtain personal information. February’s breach was even worse, compromising social security numbers and birth dates of all those who received university IDs since 1998. Since, the school has taken action to remove a number of university websites and beef up their security. The FBI and U.S. Secret Service became involved to address the issue. In a letter to University of Maryland Administrators, Ann Wylie, chair of the President’s Task Force on Cybersecurity, announced plans for the University IT staff to invest massive financial and personnel resources to better protect the University’s information. <br />
<a href="http://washington.cbslocal.com/2014/03/20/maryland-hacked-again-2nd-data-breach-in-4-weeks/">Maryland Source 1</a><br />
<a href="http://www.diamondbackonline.com/news/article_b8236dea-99b6-11e3-92eb-0017a43b2370.html">Maryland Source 2</a><br />
<a href="https://www.blogger.com/null" name="delaware"></a>
<br />
<h4>
University of Delaware</h4>
In July of 2013, hackers launched a cyber attach on a University of Delaware computer system, exposing as many as 72,000 personal records. The hackers were able to exploit a flaw in the schools software and steal names and addresses in addition to Social Security and university identification numbers. The University of Delaware is currently looking at $13 million to $19 million in costs as a result of this breach. <br />
<a href="http://www.usatoday.com/story/tech/2013/07/31/identity-theft-university-of-delaware/2602229/">Delaware Source 1</a><br />
<a href="https://www.blogger.com/null" name="bank"></a>
<br />
<h4>
First American Bank</h4>
In February of this year, customers at First American Bank were advised not to use debit cards, or any other cards, in local taxis following 500 reported fraudulent chargers totaling $62,000. The bank alleges the breach occurred after customers used cards Chicago taxis. National Cyber Security Task Force members believe the breach itself occurred while credit card information was transitioning through outsourced processing systems. Currently this incident is under investigation and all parties involved face serious financial losses. <br />
<a href="http://www.nytimes.com/2014/03/08/your-money/after-debit-card-fraud-a-small-bank-feels-customers-frustration.html?_r=0">First American Source</a><br />
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<div>
<a href="https://www.blogger.com/null" name="apps"></a> </div>
<div>
<a href="https://apogee.webex.com/mw0401l/mywebex/default.do?nomenu=true&siteurl=apogee&service=6&rnd=0.04255993413203463&main_url=https%3A%2F%2Fapogee.webex.com%2Fec0701l%2Feventcenter%2Fevent%2FeventAction.do%3FtheAction%3Ddetail%26confViewID%3D1690844924%26%26%26%26siteurl%3Dapogee"></a><a href="https://apogee.webex.com/mw0401l/mywebex/default.do?nomenu=true&siteurl=apogee&service=6&rnd=0.04255993413203463&main_url=https%3A%2F%2Fapogee.webex.com%2Fec0701l%2Feventcenter%2Fevent%2FeventAction.do%3FtheAction%3Ddetail%26confViewID%3D1690844924%26%26%26%26siteurl%3Dapogee"> </a><span style="font-size: large;"><a href="http://www.apogeeinsgroup.com/SecurityAndPrivacy-CyberLiability.html">Cyber Liability Apogee Information</a><br /><a href="http://www.apogeeinsgroup.com/ProfessionalLiability/Beazley-Cyber.doc">Basic Cyber Liability Application </a><br /><a href="http://www.apogeeinsgroup.com/ProfessionalLiability/DataBreachEditableApp-Markel.pdf">Complex Cyber Liability Application</a><br /><a href="http://www.apogeeinsgroup.com/ProfessionalLiability/Apogee-Security-And-Privacy-Application.pdf">Indication Application</a></span></div>
Anonymoushttp://www.blogger.com/profile/04319621706136927855noreply@blogger.comtag:blogger.com,1999:blog-982931011621659463.post-45712364827933564542014-03-28T11:34:00.000-07:002014-04-22T13:49:36.349-07:00What you Need to Know about Technology E&OOne of the biggest fundamental errors a firm can make is
assuming that their programming, systems installation, hardware maintenance or
technology consulting is covered by their General Liability policy. When data,
especially that containing personal information, becomes involved, firms become
exposed to a plethora of new risk exposures. Allegations of copyright
infringement, transmission of a virus, or unauthorized access to a client’s
system due to technology error, regardless of fault, can result in losses in
excess of $100,000. According to <a href="http://www.hiscoxbroker.com/professional-insurance/technology/">Hiscox
Ltd</a>., a leading provider of specialized professional liability coverage,
80% of their tech related claims are filled under breach of contract and
intellectual property.<span style="mso-spacerun: yes;"> </span>A general
Professional Errors and Omissions policy offers negligence coverage only.
Without Technology or Professional E&O, companies remain exposed to contract
and intellectual property lawsuits but also to fraud, negligence and misrepresentation
claims. <br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgklLEnVESPWl5Lr2Ky0pcV4tzmCErbYBVIIIudQ1YnQPmcG_JBi3BlI7yPI8-iD3OAznHI9QE6JrtvQJLe9cnQk_Q3xtuXYfMMQSsXOSemeto-bhAReC32mW8zPLh71OUzQpeTVwDUPtc/s1600/Tech.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgklLEnVESPWl5Lr2Ky0pcV4tzmCErbYBVIIIudQ1YnQPmcG_JBi3BlI7yPI8-iD3OAznHI9QE6JrtvQJLe9cnQk_Q3xtuXYfMMQSsXOSemeto-bhAReC32mW8zPLh71OUzQpeTVwDUPtc/s1600/Tech.jpg" height="286" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><a href="http://www.apogeeinsgroup.com/Technology-Errors-and-Omissions.html" target="_blank"><span style="font-size: small;"><b>Apply for Technology E&O Here</b></span></a><br />
<a href="mailto:submissions@apogeeinsgroup.com" target="_blank"><span style="font-size: small;"><b>Send Completed Applications Here</b></span></a></td></tr>
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<h4>
<a name="techclaim1"> </a> Technology Negligence Claim </h4>
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Plenty of companies can attest to the necessity of Technology Errors and Omissions coverage. One of these organizations in particular <span lang="EN" style="mso-ansi-language: EN;">provided hardware,
software hosting, planning, networking and online data backup through automated
software monitoring services. One particular customer, a local plumbing
company, was running their business through an old and corrupted server that
left the automated software monitoring service they purchases useless. <span style="mso-spacerun: yes;"> </span>After six months of the technology company
providing a service that, unbeknownst to them, was not working, the server at
the plumbing company finally failed. Without the automated system, the plumbing
data was unrecoverable. As a result of this inattention by both companies involved,
the technology company was brought to court by their plumbing customers for
expenses incurred as a result of the failed server. This one incident cost the
technology company over $100,000. </span></div>
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<h4>
<a name="techclaim2"> </a> Data Breach Claims</h4>
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<span lang="EN" style="mso-ansi-language: EN;">Technology
companies are not the only ones at risk. According to <a href="http://www.scmagazine.com/the-data-breach-blog/archive/10503/">SC Magazine's data breach archive</a>, Just in the past month, there have
been there have been multiple hospitals that have reported their patient
databases as compromised. The San Francisco Department of Public Health has
recently released a warmed that more than 50,000 patients’ personal information
may be in jeopardy after multiple computers containing client information were
stolen. Incidents like this happen all too often. </span></div>
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<h4>
<b style="mso-bidi-font-weight: normal;">Why Shop at Apogee?</b></h4>
</div>
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Our product expertise and dedication to customer
satisfaction will ensure that you receive a competitive, personally tailored
quote and our close relationships with insurance providers allows us to offer
coverage from <b style="mso-bidi-font-weight: normal;">top markets </b>such as
USLI, Beazley, Chubb, Hiscox and many more<b style="mso-bidi-font-weight: normal;">.
</b>For Technology E&O, we accept applications for companies with revenues
bellow five million with <a href="http://apogeeinsgroup.com/ProfessionalLiability/Tech-App.pdf">basic risks</a>
and companies with revenues over 5 million with more <a href="http://apogeeinsgroup.com/ProfessionalLiability/Tech-App-Markel.pdf">complex
risk coverage.</a> To learn more or talk to an account manager about what we
can do for you please visit our <a href="https://www.blogger.com/apogeeinsgroup.com/Technology-Errors-and-Omissions.html">website</a> or
contact us at 610.337.3200</div>
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<h3>
Applications</h3>
</div>
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<a href="https://www.blogger.com/goog_1708388414">http://apogeeinsgroup.com/ProfessionalLiability/Tech-App-Markel.pdf</a></div>
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<a href="https://www.blogger.com/goog_1708388414"><br /></a></div>
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<a href="https://www.blogger.com/goog_1708388414">http://apogeeinsgroup.com/ProfessionalLiability/Tech-App.pdf
</a></div>
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<a href="https://www.blogger.com/goog_1708388414"><br /></a></div>
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<a href="http://apogeeinsgroup.com/Technology-Errors-and-Omissions.html">http://apogeeinsgroup.com/Technology-Errors-and-Omissions.html</a></div>
<a href="https://www.blogger.com/null" name="bottom"> </a>Anonymoushttp://www.blogger.com/profile/04319621706136927855noreply@blogger.comtag:blogger.com,1999:blog-982931011621659463.post-84741223204208463022014-03-20T12:51:00.002-07:002014-05-09T13:23:45.063-07:00The Truth About Employment Practices Liability Did you know 3 out of 5 employers are sued by former
employees? From 2001 to 2011, the occurrence of EPL discrimination cases nationwide
rose 123%. Private companies are more likely to have an Employment
Practices claim rather than a General Liability or property claim.<span style="mso-spacerun: yes;"> </span>For reference, a company with $1 million in
sales and 50 employees can get an EPLI policy for about $7,000 a year. <br />
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One of the most common mistakes small companies make is not making
this investment and protecting themselves with Employment Practices Liability Insurance. Over 40% of all employment claims are brought against firms with
less than 100 employees. Many Federal and State employment laws apply to
employers of all sizes. The median award for EPL claims is over $325,000,
this is one risk employers cannot afford to not protect themselves against. </div>
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<tr><td style="text-align: center;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhMjLhyphenhyphenQdilfRVBGQIGDm_kV6i1mNCuMjhpE9Wg36HmjUgFX5SRScSsbq6H4AevE_V3zNKA2IvHktTZNMTaMneyeQE3NZBSSrulONBz6iRUzzapk-28heNmp4cVY69meplNms1YWKS4qto/s1600/dreamstime_m_37076448.jpg" height="315" style="margin-left: auto; margin-right: auto;" width="400" /></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><u><a href="http://www.apogeeinsgroup.com/professionalliability/EPL-%2812-12%29-Update3-31.pdf" target="_blank"><span style="font-size: small;"><b>Apply for EPL Coverage Here</b></span></a></u><br />
<a href="mailto:submissions@apogeeinsgroup.com" target="_blank"><span style="font-size: small;"><b>Send Completed Applications Here</b></span></a></td></tr>
</tbody></table>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhMjLhyphenhyphenQdilfRVBGQIGDm_kV6i1mNCuMjhpE9Wg36HmjUgFX5SRScSsbq6H4AevE_V3zNKA2IvHktTZNMTaMneyeQE3NZBSSrulONBz6iRUzzapk-28heNmp4cVY69meplNms1YWKS4qto/s1600/dreamstime_m_37076448.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"> </a> </div>
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Despite what many people assume; Employee Practices Liability
is <b style="mso-bidi-font-weight: normal;">NOT </b>covered in other insurance
policies such as General Liability. At <i><b>Apogee Insurance Group</b></i>, we offer a wide
range of EPLI markets and brokers with years of EPL expertise. To understand exactly
what kind of protection we can offer, take a look at five of the most common
types of EPL claims and examples. </div>
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<h3>
<a href="http://www.apogeeinsgroup.com/employment-practices-Liability-claim-examples.html" name="claims">EPLI Claim Examples</a></h3>
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</h4>
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<h4>
<b style="mso-bidi-font-weight: normal;">Discrimination</b></h4>
Just
this month, a Houston
manufacturer violated federal law by enforcing a retirement policy they
thought to be reasonable. The policy, which required employees to retire
at the age of 70, was put under legal scrutiny when an employee was let go on his 70<sup>th</sup> birthday. This policy violated
the Age Discrimination in Employment Act and employees rights to compete
fairly in the workplace regardless of age. Discrimination applies to any
protected group of individuals including, and not limited to, disability,
race, religion, sex, national origin, pregnancy and even “genetic
information.” Gender and age discrimination claims are particularly on
the rise.<br />
<br />
<h4>
<b>Wrongful Termination</b></h4>
An
employee was recently awarded $3.5 million by a federal jury after he was
wrongfully terminated for reporting illegal conduct. When the employee suspected a fellow project
manager of fraud; he decided to write a letter to the company's CEO. When the
project manager in question heard about the letter, he threatened to lay
the employee off. The following week, the whistle-blower was let go and told he
was terminated to save money. The corporation had the right idea by encouraging
employees to step forward when they suspected dishonest practices.
However, one poor decision by a dishonest employee resulted in a
crippling lawsuit.<br />
<br />
<h4>
<b>Sexual Harassment </b></h4>
<ol start="1" style="margin-top: 0in;" type="1"><ol start="1" style="margin-top: 0in;" type="a">
</ol>
</ol>
In
February of this year, JPMorgan shelled out $1.5 million for a sexual
harassment lawsuit. The money was divided among 16 female employees who
worked at the bank’s call centers and endured sexually charged behavior
and comments from supervisory staff. Sexual harassment education is
important in maintaining a safe work environment, but sometimes all it
takes is one ill advised comment to bring your company to court.<br />
<br />
<h4>
<b>Wage and Hour Violations </b></h4>
<ol start="1" style="margin-top: 0in;" type="1"><ol start="1" style="margin-top: 0in;" type="a">
</ol>
</ol>
In
one of the most high profile EPL cases in the country, the Federal Court
settled a $35 million lawsuit against Walmart in July of 2009 on behalf of
workers who alleged they were deprived of meal and rest breaks and forced
to work off the clock at Walmart stores. This particular case not only
was a huge financial loss but also permanently damaged Walmart’s
reputation.<br />
<br />
<h4>
<b>Emotional Distress </b></h4>
<ol start="1" style="margin-top: 0in;" type="1"><ol start="1" style="margin-top: 0in;" type="a">
</ol>
<ol start="1" style="margin-top: 0in;" type="a">
</ol>
</ol>
In
2007, a woman who worked in a bank had an encounter with a bank robber.
The robber was armed with a weapon created an extremely traumatic
situation for the employee. In the months following the incident, the
employee suffered from PTSD including symptoms of anxiety, irritability,
sleeplessness and panic attacks. Supervisors at the bank made the
situation worse for her by bringing up the incident on a consistent basis
and teasing her for her PTSD symptoms. She was eventually compensated for
months of emotional distress.<br />
<ol start="1" style="margin-top: 0in;" type="1"><ol start="1" style="margin-top: 0in;" type="a">
</ol>
</ol>
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EPL claims can happen to anyone. Don’t let employers go
unprotected, fill out an <b>EPLI application</b> today. </div>
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<a href="http://www.apogeeinsgroup.com/Employment-Practices-Liability.html">Employment Practices Liability Products</a> </div>
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<a href="http://www.apogeeinsgroup.com/professionalliability/EPL-application.pdf">Employment Practices Liability Application</a><br />
<br />
<h3>
<a href="https://www.blogger.com/null" name="documents">Documents</a></h3>
<br />
<br />
<a href="http://www.apogeeinsgroup.com/ProfessionalLiability/What-is-EPLI.pdf">What is EPLI</a> <br />
<br />
<a href="http://www.apogeeinsgroup.com/professionalliability/NR-Why-Buy-Top-10-List-NR.pdf">Top 10 List of Reasons Why To Buy EPLI </a><br />
<br />
<a href="http://www.apogeeinsgroup.com/professionalliability/EPL-BOP-POS.pdf">EPLI Versus BOP Coverage Comparison</a><br />
<br />
<br /></div>
Anonymoushttp://www.blogger.com/profile/04319621706136927855noreply@blogger.comtag:blogger.com,1999:blog-982931011621659463.post-9662626294196248742014-03-14T11:00:00.003-07:002014-04-22T12:06:49.443-07:00Directors and Officers Liability Coverage: No Longer a Non Profit Luxury<br />
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<span style="font-family: Georgia,"Times New Roman",serif;">Less than half of America’s 2.3 million nonprofit
organizations have the proper liability insurance coverage. With such tight
budget restraints and socially desirable goals, many nonprofit board members
dismiss director and officers coverage as an unnecessary investment; <a href="http://www.apogeeinsgroup.com/professionalliability/questions-directors-and-officers.pdf" target="_blank">who would really sue the directors of a nonprofit?</a></span></div>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjDjjYJjXf0_4KfxlzK2aUZr0NmtlYW-Tc9r3Z6UcfIDUEhIXBFT04YMVNxQdqrVOUMN89bq6UbTCbwQzERUMq_vesNIzZTlzk0azYBlXq2xM4BNoC9O2zJf8zC-_6VlTF2IJDgwWLxXi8/s1600/dreamstime_m_12078833.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjDjjYJjXf0_4KfxlzK2aUZr0NmtlYW-Tc9r3Z6UcfIDUEhIXBFT04YMVNxQdqrVOUMN89bq6UbTCbwQzERUMq_vesNIzZTlzk0azYBlXq2xM4BNoC9O2zJf8zC-_6VlTF2IJDgwWLxXi8/s1600/dreamstime_m_12078833.jpg" height="382" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><a href="http://www.apogeeinsgroup.com/professionalliability/what-is-a-nonprofit.pdf" target="_blank"><span style="font-size: small;"><b>How do we define a nonprofit?</b></span></a><br />
<a href="http://www.apogeeinsgroup.com/ProfessionalLiability/nonprofit-nppla.pdf" target="_blank"><span style="font-size: small;"><b>Apply for Nonprofit D&O Here</b></span></a><br />
<a href="mailto:submissions@apogeeinsgroup.com" target="_blank"><span style="font-size: small;"><b>Send Completed Applications Here </b></span></a></td></tr>
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<span style="font-family: Georgia,"Times New Roman",serif;"> <span style="font-family: Georgia,"Times New Roman",serif;">In actuality, <b>63% of nonprofits have reported a D&O
claim in the past ten years.</b> Non profit organizations are now more likely than
ever to be sued by its employees, members, volunteers and donors. Even if a
director or officer has done nothing wrong, it only takes one lawsuit to shut
down a nonprofit organization for good.</span></span><br />
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<span style="font-family: Georgia,"Times New Roman",serif;">Beyond
this, directors and officers are in serious risk of
losing personal assets such as retirement savings, investments and even
homes. These board members can be held personally liable for any
decisions that are made within an organization. Directors and
officers are expected to act with care, loyalty and obedience. It is
their duty
to act for the benefit of the organization, avoid any conflicts of
interest and
exercise the utmost skill and care in decision making. Any perceived
breach of
these duties and members of non profit boards are in serious risk of
being sued. Take a
look at some of the more common claimants and real life examples played
out. </span></div>
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<span style="font-family: Georgia,"Times New Roman",serif;"><b style="mso-bidi-font-weight: normal;">Real Life D&O
Claims: <a href="http://www.apogeeinsgroup.com/professionalliability/directors-and-officers-who-sues.pdf" target="_blank">Most Common Claimants</a></b></span></h3>
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<span style="font-family: Georgia,"Times New Roman",serif;"><b style="mso-bidi-font-weight: normal;"> <a href="https://www.blogger.com/null" name="donor"> 1. Donor Claim </a> </b></span><b><span style="font-family: Georgia,"Times New Roman",serif;"></span></b></h4>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZwQCVciairS6gtazLnhK5zrFZpeyrrNi7jtp40wARgx4sh1IDsNUT3TcupkCzOa_4hp1_QkY-2RHvan-X4swKY2MV53KHKV9TlNSZK31TP7aO_klGbyRgLVp2EhnZt9odDQbcq_IHVOg/s1600/untitled.bmp" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZwQCVciairS6gtazLnhK5zrFZpeyrrNi7jtp40wARgx4sh1IDsNUT3TcupkCzOa_4hp1_QkY-2RHvan-X4swKY2MV53KHKV9TlNSZK31TP7aO_klGbyRgLVp2EhnZt9odDQbcq_IHVOg/s1600/untitled.bmp" height="320" width="314" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><a href="http://www.apogeeinsgroup.com/professionalliability/duties-directors-and-officers.pdf" target="_blank">D&O Duties Clarified </a></td></tr>
</tbody></table>
<span style="font-family: Georgia,"Times New Roman",serif;">The
Board of Directors of <a href="https://www.blogger.com/null" name="donors">church</a> was sued by a number of their donors, alleging
misrepresentation of the financial status of the organization. Three members
brought separate suits for repayment of the money lent to the church. The first
case settled for $240,000 of which $117,000 accounted for expense. The second
case settled for $75,000 and incurred $86,000 in defense costs. The last case
paid nothing to the claimant, but incurred $13,000 in defense costs. The total
loss including defense costs exceeded $530,000. </span><br />
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<span style="font-family: Georgia,"Times New Roman",serif;"><b style="mso-bidi-font-weight: normal;"> <a href="https://www.blogger.com/null" name="thirdparty"> 2. Third Party Claim </a> </b></span></h4>
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<span style="font-family: Georgia,"Times New Roman",serif;"><span style="color: #231f20;">An organization filed a suit against a foundation and its
Board of Directors for improperly infringing upon the claimants intellectual
property rights. The claimant filed suit seeking injunctive and monetary relief
for the Foundation’s alleged improper use of trademarked property while
promoting their fundraiser. The claim settled and the total loss including
defense was over $400,000.</span></span></div>
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<span style="font-family: Georgia,"Times New Roman",serif;"><b style="mso-bidi-font-weight: normal;"> <a href="https://www.blogger.com/null" name="employee"> 3. Employee Claim </a> </b></span></h4>
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<span style="font-family: Georgia,"Times New Roman",serif;"><span style="color: #231f20;">After 10 years of employment, an employee was fired for poor work
performance. This employee brought a discrimination suit against their employer
under the Americans with Disabilities Act (ADA). The individual alleged lack of
work place accommodation and constructive discharge. The claim was closed for a
total loss of over $80,000, including more than $20,000 in defense costs. <b>85% of all nonprofit D&O claims are employee related.</b></span></span></div>
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<span style="font-family: Georgia,"Times New Roman",serif;"><b style="mso-bidi-font-weight: normal;">4. Governmental Agency
Claim</b></span></h4>
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<span style="font-family: Georgia,"Times New Roman",serif;"><b style="mso-bidi-font-weight: normal;"> </b>The United States Department of Justice brought suit, alleging
misappropriation of funds and failure to revert unused money back to the
government. The insured received federal grant money and allegedly used
leftover grant money to renovate office space instead of return it to the
government. The case closed for a total loss of over $60,000, including $21,000
for defense costs.</span></div>
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<span style="font-family: Georgia,"Times New Roman",serif;"><b style="mso-bidi-font-weight: normal;">5. Volunteer Claim</b></span></h4>
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<span style="font-family: Georgia,"Times New Roman",serif;">A
volunteer claimed the denial of a full time position was due to her sex, race
and pregnant condition. She filed a lawsuit claiming discrimination. The claim
is pending further litigation and defense costs paid to date total over $10,000
with an outstanding loss reserve of $65,000.</span></div>
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<span style="font-family: Georgia,"Times New Roman",serif;"><b style="mso-bidi-font-weight: normal;">6. Member Claim</b></span></h4>
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<span style="font-family: Georgia,"Times New Roman",serif;">A
law enforcement fraternity began proceedings to have a member removed from the
organization. This member then sued the organization in order to have the
proceedings halted. While there was no monetary settlement, the defense costs
were $15,000.</span></div>
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<span style="font-family: Georgia,"Times New Roman",serif;"><b style="mso-bidi-font-weight: normal;">7. Beneficiaries Claim</b></span></h4>
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<span style="font-family: Georgia,"Times New Roman",serif;">A
discrimination suit was filed against the Board of Directors when the claimant
requested a transfer within the housing complex and was denied. The claimant
alleged discrimination based on national origin, religion and sex. The claimant
was a resident at a drug and alcohol rehabilitation center. The court dismissed
the case due to a lack of evidence. More then $10,000 was paid in defense
costs.</span></div>
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_____________________________________</h3>
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<span style="font-family: Georgia,"Times New Roman",serif;">
</span><br />
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<span style="font-family: Georgia,"Times New Roman",serif;">D&O insurance is essential in protecting board members
beyond what general liability coverage can offer. With the average cost of a
Directors and Officers premium under $1,000 with a zero retention and the
average D&O claim being well over $100,000, there is no reason not to
invest in this essential liability coverage.</span></div>
<br />
<span style="font-family: Georgia,"Times New Roman",serif;">Apogee is here to provide specialized coverage for nonprofits around the country.
With access to large markets and a team of D&O specialists, Apogee can help
insureds acquire the necessary coverage with competitive rates. </span><br />
<br />
<a href="http://www.apogeeinsgroup.com/ProfessionalLiability/nonprofit-nppla.pdf" target="_blank">NONPROFIT D&O APPLICATION</a><br />
<br />
<a href="http://www.apogeeinsgroup.com/ProfessionalLiability/chubb13780.pdf" target="_blank">PRIVATE D&O APPLICATION</a><br />
<br />
<h3>
<a href="https://www.blogger.com/null" name="documents">Documents</a></h3>
<a href="http://www.apogeeinsgroup.com/professionalliability/whybuy-directors-and-officers.pdf" target="_blank">See more reasons all nonprofits should have D&O coverage</a><br />
<br />
<a href="http://www.apogeeinsgroup.com/Management-Liability-D&O.html" target="_blank">Learn more about D&O coverage at Apogee</a><br />
<br />
<a href="http://www.apogeeinsgroup.com/professionalliability/questions-directors-and-officers.pdf" target="_blank">Nonprofit FAQs</a><br />
<br />
<a href="http://www.apogeeinsgroup.com/professionalliability/what-is-a-nonprofit.pdf" target="_blank">What Defines a Nonprofit? </a><br />
<br />
<a href="http://www.apogeeinsgroup.com/professionalliability/directors-and-officers-who-sues.pdf" target="_blank">Who Sues Nonprofits?</a><br />
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<a href="http://www.apogeeinsgroup.com/professionalliability/duties-directors-and-officers.pdf" target="_blank">Nonprofit D&O Duties and Responsibilities</a>Anonymoushttp://www.blogger.com/profile/04319621706136927855noreply@blogger.com