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Here are some featured markets we thought you might be interested in taking advantage of: Dry Cleaners Insurance, Wood Products, Guardian Program, Assisted Living Insurance, Recreational Marine - Commercial Insurance, Nightclub Insurance, Workers Compensation Insurance and Contractors Insurance

...e long-term care at their homes, hospitals and communities that provide servic...

Here at MAXIMUM we understand the intricacies and requirements of the Professional Liability sector, which is why we have spent the time to create a Professional Solutions Insurance package that provides full service to your client’s needs. Our MAX team can not only perform a rigorous form analysis but they can tailor the appropriate insurance terms to fit what your client needs.

Across the nation, utility lines, tunnels, and structures run under our feet, Each year, excavators strike approximately 700,000 of these underground lines, often triggering potentially fatal accident (from steam, gas, propane, or electricity). A single strike might easily cost a contractor hundreds of thousands, or millions, if the accident leads to an interruption of service that shuts down a factory, hospital, telecommunication lines– even a missile silo. In most cases, insurance will not cover these losses. To deal with this threat, the Common Ground Alliance coordinates 811 --Call before You Dig, a nationwide phone and online system that contractors can use to notify local utilities so they can "mark out" their facilities before excavation of anything from to a sewer to a subway. These markouts are required under state law. When you use the call 811.com system, bear in mind that: It doesn't matter where you are - downtown, in the middle of a suburban street, or building a private home. Call even if you're confident that you know where something is buried (for example, if you installed the line); many contractors dig up lines that have just put in. Instead of marking the area with wooden stakes - which are all too easy to drive through gas lines - use white paint or "feathers;" even the most shallow excavation can be hazardous. Remember, failing to contact 811.com before every excavation violates the law - and leaves you wide open to huge liability losses. Don't take a chance your odds of losing in the Underground Damage Casino! To learn more, just get in touch with the Construction Insurance Specialists at our agency.

... behalf of institutions, such as hospitals, some of which self-insure, that ar...

WATSONVILLE -- A 10-year-old Watsonville boy on a scooter was seriously injured Wednesday after he was struck by a driver of a Chrysler PT Cruiser in a crosswalk on Main Street. About 3:25 p.m., a 19-year-old Prunedale woman was driving a purple PT Cruiser north on Riverside Drive toward Main Street when she accelerated to try to make a yellow light, said Watsonville police Sgt. Brian Ridgway. A 10-year-old boy was riding a scooter behind his family in the crosswalk, and she struck him with the car, police said. The front bumper of the car hit the boy on his right side, and the boy was forced on to the hood and then the ground, Ridgway said. Officers were near the crash and treated the boy. He was taken by helicopter to a San Francisco Bay Area hospital where he was in critical condition Wednesday night, authorities said. The woman, whose name has not been released, has cooperated in the police investigation and has not been arrested. Alcohol use was not a factor in the crash, police said. "This investigation in ongoing," said Ridgway. Watsonville police ask anyone with information to call investigations at 831-768-3350 or leave an anonymous tip on the tipline at 831-728-3544 or by texting WATSPD to 888777. Content provided by http://www.santacruzsentinel.com/copsandcourts/ci_25337290/driver-collides-boy-scooter-watsonville

Laughing appears to bring health benefits, but not always — for some, a fit of giggles can have serious consequences, according to a new study that reviewed the effects of laughter. The researchers reviewed studies on laughter published between 1946 and 2013. They found much evidence that laughing really is good for you. For example, laughing has been shown to improve blood-vessel function and reduce stiffness of the arteries, which is a risk factor for heart problems such as heart attacks. One study found that people who laugh easily have a reduced risk of coronary heart disease. Laughing may also be good for your waistline. A 2006 study suggested that 10 to 15 minutes of genuine laughter a day may burn up to 40 calories. Another study, published in 2011, found that laughing increases a person's tolerance to pain, which the authors suggest is due to the release of endorphins. But in rare cases, laughing can be risky, the review found. One woman with a condition that causes a hole in the heart experienced a stroke after laughing uproariously for three minutes, the researcher said. And some people have accidentally breathed in foreign objects while trying to catch their breath during laughter. Laughing can even dislocate the jaw, studies show. And just like a cough or a sneeze, laughter has the potential to spread infectious diseases, the researchers said. "Laughter is no joke," the researchers wrote today (Dec. 12) in a special Christmas issue of the British Medical Journal (BMJ) — a lighthearted edition of the journal that includes real research. While laughter carries a low risk of harm, "our review refutes the proposition that laughter can only be beneficial," said the researchers, from City Hospital Birmingham in the United Kingdom. Still, it remains to be seen whether "sick jokes make you ill, dry wit causes dehydration or jokes in bad taste [cause] dysgeusia (distortion of sense of taste)," the researchers joked. Content provided by http://www.huffingtonpost.com/2013/12/13/laughter-health-risks_n_4440214.html  

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