<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"><channel><title><![CDATA[Capital Providers Insurance Services, Inc. ]]></title><description><![CDATA[Pages]]></description><link>http://www.capitalprovidersins.com/</link><copyright><![CDATA[Copyright Capital Providers Insurance Services, Inc. ]]></copyright><generator>sNews CMS</generator><item><title><![CDATA[Personal Insurance Lines]]></title><description><![CDATA[Homeowners (HO3)  
Renters (HO4)  
Condos (HO6)  
Fire & Dwelling (DP1 & DP2)  
Earthquake  
Flood  
Personal Umbrella  
Personal Auto  
Motorcycle  
Boats  
Mobile Homes  
Motorhomes/RV’s  
Jet Skis  
Classic Cars  
]]></description><pubDate>Thu, 02 Apr 2009 19:30:14 +0000</pubDate><link>http://www.capitalprovidersins.com/home/personal-insurance-lines/</link><guid>http://www.capitalprovidersins.com/home/personal-insurance-lines/</guid></item><item><title><![CDATA[EPLI insurance]]></title><description><![CDATA[With so many cases of sexual harassment and discrimination in the news, it's not surprising that more companies have purchased employment practices liability insurance (EPLI). EPLI protects employers from damages resulting from workplace-liability claims.     
EPLI covers defense costs, judgments and settlements (up to the policy limits) for the corporate entity, former and current employees, directors, and officers. It covers a variety of workplace-related legal actions, including:
    
*  Discrimination  
* Sexual harassment  
* Wrongful termination  
* Breach of employment contract  
* Negligent evaluation  
* Failure to employ or promote  
* Wrongful discipline  
* Deprivation of career opportunity  
* Wrongful infliction of emotional distress  
* Mismanagement of employee-benefits plans  
    
EPLI policies do not cover workers' compensation, bodily injury or property-damage cases, nor do they cover cases that another insurance policy specifically covers. 
    
EPLI rates vary from state to state and from company to company. Generally an insurer calculates premiums by determining the amount of coverage a business needs and its perceived risk. An insurer will base rates on several risk factors, including the number of employees at a company, the turnover ratio, whether or not the business has a human resources department, and any past harassment or bias suits against the company. Businesses with 10 to 20 employees that have good HR practices and a clean record can expect to pay approximately $1,500 a year for EPLI coverage.
    
Employers can lower their company's liability exposure and keep insurance rates down by taking certain precautions:
    
* Don't hire workers with histories of drug or alcohol abuse.  
* Institute zero-tolerance policies toward workplace harassment, discrimination, and alcohol and drug abuse.  
* Develop an employee-standards handbook that defines the skills and performance you expect for each position.  
* Measure your employees' performance on a regular basis.  
* Discuss workplace liability with your insurer to see if your company should consider an EPLI policy.  
    
Businesses that purchase EPLI coverage may actually reduce the likelihood of workplace harassment and discrimination. Insurers generally review a company to check for workplace liability before they issue a policy. And since insurers hate risk, they'll usually recommend changes that reduce a business's exposure to lawsuits. Many of the steps you can take to ward off harassment claims and meet the demands of insurers begin with basic education and setting up the right environment. ]]></description><pubDate>Thu, 02 Apr 2009 19:20:35 +0000</pubDate><link>http://www.capitalprovidersins.com/home/epli-insurance/</link><guid>http://www.capitalprovidersins.com/home/epli-insurance/</guid></item><item><title><![CDATA[Directors And Officers]]></title><description><![CDATA[Directors' and Officers' Insurance is commonly referred to as "D&O Insurance." The goal of D&O Insurance is to protect directors and officers of a corporation from liability in the event of a claim or lawsuit against them asserting wrongdoing in connection with the company's business.  
Directors & Officers Liability Insurance can usually include Employment Practices Liability and sometimes Fiduciary Liability. The former involves harassment and discrimination suits, and is where the majority of your exposure will be.
    
Directors and Officers Insurance is often confused with Errors & Omissions Liability. The two are not synonymous; Errors & Omissions is concerned with performance failures and negligence with respect to your products and services, not the performance and duties of management. Generally it is a good idea to carry both Directors and Officers Liability Insurance and Errors and Omissions Liability Insurance.]]></description><pubDate>Thu, 02 Apr 2009 19:11:49 +0000</pubDate><link>http://www.capitalprovidersins.com/home/directors-and-officers/</link><guid>http://www.capitalprovidersins.com/home/directors-and-officers/</guid></item><item><title><![CDATA[Professional E &amp; O]]></title><description><![CDATA[  Professional Liability Insurance   (Malpractice, Errors & Omissions Insurance policy) protects your company from claims if your client holds you responsible for errors, or the failure of your work to perform as promised in your contract.
    
In other words, it indemnifies professionals, doctors, lawyers, architects, etc. for the loss or expense resulting from malpractice, error or mistake committed or alleged to have been committed by the insured in his profession.
    
Coverage includes legal defense costs - no matter how baseless the allegations. Professional Liability insurance will pay for any resulting judgments against you, including court costs, up to the coverage limits on your policy.
    
Professional Liability Insurance coverage extends to both W2 employees and 1099 subcontractors, and can be worldwide in scope.
    
It is important to know that Professional Liability Insurance - Errors & Omissions - coverage is not provided by a Commercial General Liability policy. Commercial General Liability does NOT provide coverage for errors, contract performance disputes or any other Professional Liability issues. Companies who have General Liability without Professional Liability Insurance - Errors and Omissions - coverage are taking a serious risk. It’s like a doctor practicing medicine without Malpractice Insurance.
    
Professional Liability (Errors and Omissions) coverage insures not only your mistakes, but also the mistakes of the employees and Independent Contractors you hire.]]></description><pubDate>Thu, 02 Apr 2009 19:03:21 +0000</pubDate><link>http://www.capitalprovidersins.com/home/professional-e-o/</link><guid>http://www.capitalprovidersins.com/home/professional-e-o/</guid></item><item><title><![CDATA[Garagekeepers]]></title><description><![CDATA[Garage Keeper's Legal Liability coverage is an optional coverage designed for business owners who offer towing services or operate service stations. It protects a customer's vehicle when you are keeping it at a covered location for parking or storing, or to perform service.
    
Garage Keeper's Legal Liability insurance provides protection in case a vehicle is damaged by fire, theft, vandalism or collision.
    
  Who Needs Garage Keeper's Legal Liability Coverage?  
    
If your business offers towing or service station services, Garage Keeper's Legal Liability coverage is for you because it protects you when you are storing customers' vehicles.
Limits, Deductibles and Other Details
    
You must select limits for Garage Keeper's Legal Liability coverage, which will determine the maximum amount of coverage available to you on a per-occurrence basis.
    
Whether one car or a garage full of cars is damaged while in your care, the total amount covered by Garage Keeper's insurance is based on the limit you choose. You can select from a variety of options depending on your state, but the typical maximum available limit is $2,500 per occurrence.
    
You also must select a per-vehicle deductible, which is typically $500. This means you would pay the first $500 to repair or replace each vehicle, and your insurance company would pay the remainder.]]></description><pubDate>Thu, 02 Apr 2009 18:55:06 +0000</pubDate><link>http://www.capitalprovidersins.com/home/garagekeepers/</link><guid>http://www.capitalprovidersins.com/home/garagekeepers/</guid></item></channel></rss>