Be sure to check in with your clients as we approach the fall to make sure that their home is covered, but also that their college students have the coverage that they need as they go off to school. What is renters insurance? Renters insurance coverage protects your client’s personal property against damage or loss, and protects them in case someone is injured while on their property. Why should my client Purchase Renters Insurance? College students living in off-campus rental housing or dorm housing are ideal candidates for needing renters insurance, since many students bring thousands of dollars worth of personal items along with them. Students typically bring electronics, a computer, textbooks, clothes, furniture, and a bicycle to school with them. The value of those items all together is high, and would be hard for a student to replace in the event that it is stolen or damaged as a result of a fire, theft or other unexpected circumstances. In a renter/landlord relationship, it is the renter’s responsibility to provide coverage for these valuable items. In school dorms, personal property is typically not covered- however checking the school [...]

Protect What You Connect with Philadelphia Insurance Companies.  Cyber Security Liability Insurance is a hot topic in the industry right now due to the increasing use of online tools and data being passed within organizations. Cyber crime in 2018 generated revenues of over $1.5 Trillion in ransom, data selling and more. The average cost of a data breach is $204 per lost record, with more than half of such costs due to lost customers and the associated public relations expenses to rebuild an organization’s reputation. It is becoming more essential to protect the data and cyber information of a business. Don’t let your clients be unprotected! Why Cyber Security Liability? Cyber crime scenarios for businesses saw a 600% spike in 2018. Of all the insurance types we sell, cyber security may be the most important for a modern business. In the event of an attack on data, all digital systems can go down. With most employees working online, a loss of this tool can stop business operations and result in operations issues, client privacy loss, and hefty costs. In an ever-evolving digital world, we can’t afford to leave [...]

Events are expensive. Life is unpredictable. With all of the time, effort, planning and funding that goes into special events, aren't they worth protecting? As wedding season and summer event time approaches, be sure to ask your clients if this is a coverage that they need. Special Event Insurance can help to cover all sorts of events. We have a wide range of acceptable classes of business including: Social Events Weddings, banquets, reunions, retreats, dances, baptisms, bar mitzvahs, ect. Sporting Events and Competitions Races, Dance Teams, Golf Tournaments, ect. Musical Events and Entertainment Awards Shows, Carnivals, Dance Competitions, Comedy Shows, Circus, ect. Trade Shows/ Business Events Auctions, Antique Shows, Business Conferences, Speaking Engagements, Toy Drives, ect. Educational Events Conferences, Educational Seminars, Lectures, ect. Fairs & Festivals Fireworks Shows, Festivals, Ect. Key Features: General Liability • Comprehensive General Liability - limits available such as $1M per occurrence/$3M aggregate • Premises Liability • Personal Injury Liability • Abuse & Molestation coverage available • Liquor Liability coverage available Umbrella/Excess Liability • Large Excess Limits available Automobile • Owned/Non-Owned/Hired Auto Event Cancellation • Available for certain Social/Life Events. Must be written with [...]

Don't forget to protect Temporary Staffing Agencies! An often overlooked entity, temporary staffing agencies need protection too. Philadelphia Insurance Companies offer coverage solutions specifically tailored to these agencies: Clerical Computer/IT Hospitality Janitorial Light Industrial Unskilled Manufacturing Warehouse Courier Service Heavy Equipment Operator Home Health Care Nanny Service 100% Construction Staffing (incidental exposure acceptable) 100% Medical Staffing (incidental exposure acceptable) Coverage is available for: General Liability Umbrella/Excess Liability Automobile Employment Practices Liability Crime Errors & Omissions Risk Management Services Risk Management Hotline PHLY has partnered with Wilson, Elser, Moskowitz, Edelman & Dicker LLP (WEMED), a nationally-recognized law firm, to offer a Risk Management Hotline that is available to all PHLY Management and Professional Liability Division insureds Provides policyholders with two free hours of legal consultation with knowledgeable attorneys on any matter that could potentially result in a claim under a PHLY policy Employment Liability Risk Management Services PHLY has partnered with in2vate to offer web-enabled Employment Practices Liability (EPLI) risk management services Provides training and management tools Courses provided: Abuse Prevention, Sexual Harassment, Discrimination, Smart Hiring, and more. Safety Training-PureSafety Online Training and Incident Management [...]