All Risks Launches New Earthquake Insurance Program – Learn More

All Risks, Ltd. Blog

Occupational Accident & Workers' Comp....What's the difference?

Posted by admin on Apr 24, 2018 3:05:59 PM

Workers' Compensation or Occupational Accident Coverage - which is the right product for your client?

  Workers' Compensation Occupational Accident
Type of Coverage State Regulated Optional
What Does It Cover? Pays medical bills, death benefits and replaces certain lost wages Pays medical bills, death benefits and replaces certain lost wages
Who Does It Cover? Employees injured on the job Independent Contractors injured on the job
Benefits Unlimited  Subject to limits
Admitted vs. Non-Admitted Admitted Admitted & Non-Admitted
Type of Policies One policy for the entire company

Policy written on a group basis. Group size is dependent upon industry.

Who Pays? The Employer The Independent Contractor

Why Purchase Occupational Accident Insurance?

  • Business owners can protect themselves from expensive lawsuits and costs by Independent Contractors seeking reclassification to employee status
  • Limits in coverage allow employers to manage costs
  • Zero deductible and competitive monthly premiums
  • Independent Contractors have peace of mind that they are protected

Learn more about Occupational Accident! »

*Occupational Accident is not a substitution for Workers' Compensation and does not satisfy statutory requirements for Workers' Compensation.

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Tags: Workers' Compensation

Jeff Gumaer Joins All Risks, Ltd.'s Richmond, VA Office as Assistant Vice President and Team Leader

Posted by admin on Apr 10, 2018 4:57:56 PM

RICHMOND, VA (April 10, 2018) – All Risks, Ltd., the nation’s largest independent wholesale insurance broker, is pleased to announce that Jeff Gumaer has joined the Richmond, VA office as Assistant Vice President and Team Leader.  In this role, Jeff will manage the Virginia Property and Casualty binding team.  He will also actively produce binding and contract business for risks in the following industries: construction and contractors, manufacturing, wholesale and distribution, real estate and habitational, retail business and small business.

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Tags: Commercial Lines

ALL RISKS ARCHITECTS & ENGINEERS PROFESSIONAL LIABILITY NEWSLETTER

Posted by admin on Mar 26, 2018 11:50:14 AM

 

IT'S 2018 AND GUESS WHAT...

THE CONTRACT STILL MATTERS

WHY ARCHITECTS & ENGINEERS MUST REALIZE THE SIGNIFICANCE OF THEIR CONTRACTS

FEATURE ARTICLE COURTESY OF MEGAN LIBER, ESQ. & BRIAN STEWART, ESQ.

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Tags: architects and engineers, professional liability

Trucking Insurance is Now Available in All Risks, Ltd.'s Workers' Compensation Unit

Posted by admin on Mar 22, 2018 11:29:34 AM

RICHMOND, VA (March 22, 2018) – All Risks, Ltd., the nation’s largest independent wholesale insurance brokerage firm, now offers competitive Workers’ Compensation (WC) insurance to trucking operations in its dedicated WC unit. Coverage is available through multiple A.M. Best A or better rated carriers in most states. Minimum premiums vary by distance driven, state, and carrier selected but can go as low as $10,000.

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Tags: Workers' Compensation

All Risks, Ltd. Hires Larry Allen as Senior Workers' Compensation Underwriter in National Programs Unit

Posted by admin on Feb 16, 2018 12:11:23 PM

HUNT VALLEY, MD (February 16, 2018) – All Risks, Ltd., the nation’s largest independent wholesale insurance broker, is proud to announce that Larry Allen has joined the firm as a Senior Underwriter in California.  As a part of the National Specialty Programs unit, he will be responsible for underwriting large Workers’ Compensation accounts in the healthcare industry.  

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Tags: National Programs

All Risks, Ltd. Welcomes Farrah Butcher & Shadi Lang as Workers' Compensation Underwriters in CA

Posted by admin on Feb 15, 2018 1:04:00 PM

SAN FRANCISCO, CA (February 15, 2018) – All Risks, Ltd., the nation’s largest independent wholesale insurance broker, is pleased to announce that Farrah Butcher and Shadi Lang have joined the Workers’ Compensation (WC) unit.  

Butcher, Farrah.jpg       Lang, Shadi.jpg
   Farrah Butcher             Shadi Lang  

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Tags: Commercial Lines

All Risks, Ltd. Welcomes Paul Pelt as Healthcare Broker in Atlanta, GA

Posted by admin on Feb 6, 2018 2:02:32 PM

 

ATLANTA, GA (February 6, 2018) – All Risks, Ltd., the nation’s largest independent wholesale insurance broker, is pleased to announce that Paul Pelt has joined the Atlanta, GA office as a Healthcare Broker. In this role, Paul will be responsible for providing Professional Liability and General Liability for healthcare risks such as long-term care, hospitals, physicians, and allied health.

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Tags: Commercial Lines

Brandon Aasen Joins All Risks, Ltd. as Property Broker

Posted by admin on Jan 11, 2018 5:54:37 PM

SAN FRANCISCO, CA (January 11, 2018) – All Risks, Ltd., the nation’s largest independent wholesale insurance broker, is pleased to announce that Brandon Aasen has joined the San Francisco, CA office as a Property Broker.  In this role, Brandon will be responsible for producing new Property business for the West Coast.  He will also specialize in Commercial Property coverages including DIC (Difference in Conditions), ‘All Risk,’ Builders’ Risk, Stock Throughput, and various other Property related coverages with an emphasis on CAT-exposed placements for Earthquake, Wind or Flood.  Brandon will bring expertise in classes such as large office and retail schedules, habitational, construction, municipalities and auto dealers, among others.

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Tags: Property

There’s Nothing Magic about Preventing Cybercrime

Posted by Kim Stone-Vilim, CPA on Sep 15, 2017 12:25:49 PM

Every little thing you do is magic, to paraphrase a song by The Police. Well, maybe not exactly magic, but the little things you do sure can save you headaches and maybe even a lawsuit.

Almost daily we hear news of computers and e-mails being hacked, credit card numbers and identities stolen, and all sorts of fraud. CPAs are generally more in tune with this news than perhaps some other professions, and usually take steps to protect themselves and their clients.

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Tags: National Programs

Cyber Liability Insurance

Posted by Dean Hussey, RPLU, CPCU on Jun 28, 2017 11:15:20 AM

The quicker the response time, the stronger the Cyber Liability insurance

Cyber attacks are something you hear about every day and are shaping the world we live in. These attacks range from politically backed hacking groups, like the WannaCry worm that affected hundreds of thousands of victims in 150 countries, to hundreds of less high profile breaches.
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Tags: Commercial Lines

All Risks, Ltd. was formed as an excess and surplus lines facility in 1964. Employing over 900 professionals in 27 locations, we deliver comprehensive commercial and personal insurance solutions exclusively to retail agents and brokers. As brokers or underwriters, we are our agents’ licensed navigators in the specialty insurance market. All Risks provides a full-service platform of brokerage, contract binding and program capability.

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