BLF Law - Cobourg
203 Durham St
2nd Floor, Unit 3
Cobourg, ON K9A 3H7
(800) 941-0846
https://blflaw.ca/cobourg-personal-injury-lawyer.html
Fighting for the rights of injury victims at every level of court in the province of Ontario and recovering substantial amounts of compensation for victims and their families has earned us the respect of colleagues in the profession and members of the local community. Having trial experience gives your local Cobourg personal injury lawyers an edge over the competition. We have a reputation and a proven track record of winning even the most complex cases and have consulted other legal representatives on their most challenging matters.
BLF Law - Cobourg
203 Durham St
2nd Floor, Unit 3
Cobourg, ON K9A 3H7
(800) 941-0846
https://blflaw.ca/cobourg-personal-injury-lawyer.html
Fighting for the rights of injury victims at every level of court in the province of Ontario and recovering substantial amounts of compensation for victims and their families has earned us the respect of colleagues in the profession and members of the local community. Having trial experience gives your local Cobourg personal injury lawyers an edge over the competition. We have a reputation and a proven track record of winning even the most complex cases and have consulted other legal representatives on their most challenging matters.
India is a beautiful country and There are various travel and adventurous place. Which attract to national and international people. India tourism is economically growing and it generates the high revenue. Every year international tourists coming to India and this percentage is increasing continuously. India Heritage make strong to Indian Culture and keep away from discrimination and creating a path to spreading love.
India Tour Packages are following:
1.Karnataka Heritage
2. Leh-Ladakh Adventure
3.South Indian Temple
4.Incredible India
5.Mini Rajasthan
6.North India Culture
7. Frost and Tigers
8.Classic Golden Triangle
For More Information: South India Tour Packages | North India Tour Packages
GOAL to Organize the Global Litigation Conference and Exhibition in NYC this October to discuss the Challenges and Strategies to gain Favourable Outcomes in Litigations
The Incredible Saga of Naga... (authors: Philippe Echelle, Chrissi Serini and...Trimaran Enthusiasts
The 11.5 m trimaran whose story we're going to recount is a living legend! A single-
handed racing boat from the 1980s, it is now being used by its builder – owner
and his partner as a cruising – expedition support around the world, a permanent
residence and the headquarters of the couple's professional activities. Who said
that Newick's multihulls were spartan and fragile?
Text: Philippe ECHELLE - Chrissi SERINI and Jack PETITH
NAGA web site: www.trimaran-naga.com
Applications close Friday May 31, 2013! Apply now: http://fast50.ca
The Deloitte Technology Fast 50™ is a ranking of the country's 50 fastest-growing technology companies based on percentage revenue growth over five years.
The Technology Fast 50™ program celebrates technological innovation, entrepreneurship, rapid growth and leadership in Canadian technology companies. And to recognize a wider variety of companies, the program has grown over the last 15 years to include the Companies-to-Watch and the Technology Green 15™ categories. Be they small or large, public or private, Technology Fast 50™ companies are industry leaders in emerging clean technologies as well as hardware, software, telecom and digital media.
India is a beautiful country and There are various travel and adventurous place. Which attract to national and international people. India tourism is economically growing and it generates the high revenue. Every year international tourists coming to India and this percentage is increasing continuously. India Heritage make strong to Indian Culture and keep away from discrimination and creating a path to spreading love.
India Tour Packages are following:
1.Karnataka Heritage
2. Leh-Ladakh Adventure
3.South Indian Temple
4.Incredible India
5.Mini Rajasthan
6.North India Culture
7. Frost and Tigers
8.Classic Golden Triangle
For More Information: South India Tour Packages | North India Tour Packages
GOAL to Organize the Global Litigation Conference and Exhibition in NYC this October to discuss the Challenges and Strategies to gain Favourable Outcomes in Litigations
The Incredible Saga of Naga... (authors: Philippe Echelle, Chrissi Serini and...Trimaran Enthusiasts
The 11.5 m trimaran whose story we're going to recount is a living legend! A single-
handed racing boat from the 1980s, it is now being used by its builder – owner
and his partner as a cruising – expedition support around the world, a permanent
residence and the headquarters of the couple's professional activities. Who said
that Newick's multihulls were spartan and fragile?
Text: Philippe ECHELLE - Chrissi SERINI and Jack PETITH
NAGA web site: www.trimaran-naga.com
Applications close Friday May 31, 2013! Apply now: http://fast50.ca
The Deloitte Technology Fast 50™ is a ranking of the country's 50 fastest-growing technology companies based on percentage revenue growth over five years.
The Technology Fast 50™ program celebrates technological innovation, entrepreneurship, rapid growth and leadership in Canadian technology companies. And to recognize a wider variety of companies, the program has grown over the last 15 years to include the Companies-to-Watch and the Technology Green 15™ categories. Be they small or large, public or private, Technology Fast 50™ companies are industry leaders in emerging clean technologies as well as hardware, software, telecom and digital media.
Expert Series Feb. 2012: Globalex Insurance Considerations for StartupsLead To Win
Insurance Considerations for Startups covers why and when starups need insurance, and what types of insurance they should be looing for.
This is a Lead to Win Expert Series Presentation, held on Feb 29, 2012 in Ottawa, ON.
2. HCC Overview
HCC Specialty, a division of HCC Insurance Holdings Inc., is comprised of HCC Specialty Underwriters, Inc., Professional Indemnity
Agency, Inc., G.B. Kenrick & Associates, Inc. (DBA Kenrick Corporation), InsPro Corporation and HCC Public Risk.
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3. HCC Specialty
Our Carriers Financial Strength:
HCC Insurance Holdings and its member companies:
• Houston Casualty Company-AM Best A+ (Superior); AA (Very Strong) S&P
• Avemco Insurance Company-AM Best A+ (Superior); AA (Very Strong) S&P
• U.S. Specialty Insurance Company-AM Best A+ (Superior); AA (Very Strong) S&P
• HCC Specialty Insurance Company-AM Best A+ (Superior); AA (Very Strong) S&P
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4. HCC Specialty Product List
Prestige – Athletes, Executives, Entertainers TotalEvent® – Online Quote & Bind System Programs Division
• key person disability • weather • lumber products & wood materials
• buy sell disability • special event liability • musical instruments
• critical asset protection (CAP) • event cancellation • bowling centers
• accidental death & dismemberment • prize indemnity (skill only)
• permanent total disability Public Risk
• temporary total disability Crisis Management – Wealthy Individuals, • general liability
• team stop-loss Corporations • public officials liability
• contractual bonus • kidnap / ransom, extortion & detention • police professional liability
• malicious product tampering / recall • employment practices liability
Events • food borne illness – restaurant recovery • medical professional services
• event cancellation insurance • employee benefits liability
• event weather insurance Employment Practices Liability • cemetery professional
• special event liability insurance • employment practices liability for • host liquor liability
affinity/franchise groups • auto liability
Prize & Promotion • employment practices liability commercial risks • special municipal liability coverages
• insta-bond game of chance surety bonds • special events liability
• over-redemption insurance Miscellaneous Professional Liability (E&O) • property
• promotion agency E&O insurance • miscellaneous professional commercial • umbrella
• weather contingent promotions • architects & engineers professional liability
• games of chance • environmental consultants & analytical testing Criminal Justice Service Operations
• games of skill labs • general liability
• professional liability
Film/TV Production Package – Studios
• weather insurance
• film & television production insurance
• critical asset protection (CAP)
• essential element protection
• transmission interruption
• contingent buy-back coverage
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8. Prestige Disability Insurance
Coverage
• Disability Insurance
• Key Person Insurance
• Buy-Sell Insurance
• Critical Asset Protection (CAP)
• Accidental Death & Dismemberment (AD&D)
Sample Risk Classes
• Business Owners
• Executives
• Shareholders
• Hedge-fund Managers
• Entertainers
• Financial Advisors
Limits
• Up to $100 million in house capacity
• 3 year policy periods
• 5 year benefit periods
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9. Key Person Insurance
Coverage
• Key employees are essential to the growth and prosperity of a corporation and their
ingenuity cannot be easily replaced
• This policy helps to insure the company’s bottom line, provide stability and continue
growth while a suitable replacement is found for the disabled key person
Sample Risk Classes
• Business Owners
• Executives
• Chairmen
• Shareholders
• Hedge-fund Managers
Limits
• Up to $100 million in house capacity
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10. Buy Sell
Disability Insurance
Coverage
• The Buy Sell Disability policy protects the continuity of the business in the event one of
the partners becomes disabled.
• The policy allows one partner to buy the shares from the disabled partner.
Sample Risk Classes
• Business Owners
• Shareholders
• Business Partners
Limits
• The value of the owner’s shares under the agreement
• Up to $100 million in house capacity
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11. Critical Asset Protection (CAP)
Coverage
• A CAP policy provides coverage in the event of death by any cause.
• CAP covers a wide range of perils, including: death from any cause, loss of use of a
hand or foot, quadriplegia, loss of limb, paraplegia, brain damage and loss of sight.
Sample Risk Classes
• Actors • Lawyers
• Entertainers • Doctors
• Athletes • Scientists
• Executives • Politicians
Limits
• Up to $100 million in house capacity
• Policy period is anywhere between one day and up to one year
• Policy must be purchased by 3rd party
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12. Sports Disability
Coverage
• Temporary Total Disability (TTD)
• Permanent Total Disability (PTD)
• Team Stop-Loss
• Contractual Bonus
Sample Risk Classes
• Professional Athletes
• Exceptional Collegiate Athletes
• Coaches
• Teams
Limits
• Up to $100 million in house capacity
• 3 year policy periods
• 5 year benefit periods
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14. TotalEvent® Product Suite
Online Quote and Bind
HCC Specialty integrated online quoting system
Special Event Liability
• Bodily injury and property damage coverage for a variety of events including but not limited to: mobile marketing
tours, product sampling events, sporting events, fairs, festivals, consumer trade shows and live entertainment
events.
• We can also provide liability protection on an annual basis for event / meeting planners and short-term or annual
coverage for exhibitors.
Event Cancellation
• Provides protection for tradeshows / conferences / conventions for event expenses or gross revenue against
cancellation, abandonment, relocation, postponement for causes beyond the organizer’s control.
Prize Indemnity
• This product can be used as a promotional tool for consumer promotions and to drive event attendance and
visibility. A promotion can create a buzz and draw a crowd – driving early registrations or traffic during an event.
• Sporting related contests only are available, including: football, basketball, hockey and golf.
Weather
• Protects against adverse weather conditions that reduces attendance and revenue. It is designed to offset not only
the revenue lost due to reduced attendance but other revenue such as concessions and parking.
• Rain is the only peril currently available online.
• Golf Tournament Cancellation and Big Day Umbrella are also available online.
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15. Special Event Liability Insurance
Coverage
This coverage is for third party bodily injury and third party property damage that
may occur at an event.
Sample Risk Classes
Animal Shows Exhibitions Picnics
Arts & Crafts Festivals Fairs Receptions
Auctions Festivals Religious Ceremonies
Beauty Pageants Fundraisers Road Races (bicycles, running)
Fashion Shows Graduations Seminars
Concerts* Luncheons Sporting Events*
Consumer Shows Marathons Walk-a-thons
Conventions Meetings Weddings
Dances Parties * = subject to exclusions
Limits
Up to $11 million in house capacity
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16. Event Cancellation
Coverage
Protects revenues & expenses if the insured event should be cancelled, postponed,
relocated, curtailed or abandoned due to reasons beyond the control of the organizer,
subject to coverage exclusions.
Sample Risk Classes
• Tradeshows / Conventions
• Conferences
• Fairs / Festivals
• Major Sporting Events
• Concerts
Limits
• Based on the projected gross revenues or expenses of the event
• Up to $85 million in house capacity
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17. Weather Insurance
Income Stabilization Cost Containment
Coverage Coverage
A business interruption tool in a simplified format specific to a CC is a tool designed to contain costs associated with abnormal
reduction in sales/revenue tied solely to weather. weather conditions; (i.e. snow removal).
Sample Risk Classes Sample Risk Classes
• Restaurants • Hospitals
• Pay-for-Play Golf Course • Schools
• Car Washes • Malls
Limits • Condo Association/Management companies
Limits are based on the expected lost revenue. Limits
Limits are based on the extra expenses incurred due to the abnormal
weather conditions.
Event Weather Weather Contingent Promotions
Coverage Coverage
Protects against adverse weather conditions that reduce Coverage is designed to stimulate sales for retailers and
attendance and revenue. Insurable perils include rain, snow, manufacturers of many products. If a certain weather event occurs
temperature, wind, lightning and severe weather. on a predetermined day, consumers receive a full or partial refund
Sample Risk Classes on all purchases made during the promotion period.
• Sporting events Sample Risk Classes
• Fairs/Festivals • Jewelers
• Outdoor concerts • Home Furnishings Stores
Limits • Auto Dealerships
Limits are based on the expected lost revenue or expenses. Limits
Based on expected sales
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18. Additional
Weather Products
Golf Tournament Cancellation Big Day Umbrella Insurance
Insurance
Coverage
Coverage If it rains, snows or particular temperature of a
If the golf tournament is cancelled due to preselected amount is reached during the
adverse weather conditions within the 12 hours insured hours on the date of the consumer’s
leading up to the start time then the policy pays wedding, the policy pays out to the couple.
out the pre-determined amount to the insured.
Policy Period
Policy Period A pre-determined 3 or 6 hour interval during the
Date, Start time, Sum Insured and Event afternoon or evening of the wedding.
location must be reported at least 7 days prior to
the event day in order to qualify. Limits
Up to $10 million in house capacity
Limits
Up to $25,000 in house capacity Premium
• Pricing is specific to date, hours and location
Premium of claim verification
• 3.5% of the amount insured • Minimum premium of $150
• Minimum premium of $150
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19. Prize & Promotion Insurance
Coverage
Supports integrated marketing campaigns including sweepstakes, games and contests.
• Insta-Bond Game of Chance Surety Bonds
• Over-Redemption Insurance
• Promotion Agency E&O Insurance
• Weather Contingent Promotions
• Games of Chance – such as dice roll, spin the wheel, match & win, etc.
• Games of Skill – such as hole-in-one, half court shot, sporting related promotions, etc.
Sample Risk Classes
• Integrated Marketing Agencies
• Retailers
• Restaurants
• Athletic Organizations
Limits
• Up to $10 million in house capacity
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20. Film and TV Production
Insurance
Coverage Sample Risk Classes
• Extended Pre-production • Film Studios
• Cast Insurance • Production Firms
• Negative Film and Videotape Insurance • Film Budgets of +$10 million
• Faulty Stock, Camera and Processing
• Props, Sets and Wardrobe Limits
• Miscellaneous Equipment • Up to $100 million in house capacity
• Extra Expense
• Third Party Property Damage (TPPD)
• Post Production Cast Insurance
• Office Contents
• Commercial Vehicle Physical Damage
• Money and Securities
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22. Kidnap & Ransom Insurance
Coverage
• Kidnap and Ransom – including hijacking and express kidnapping
• Extortion Bodily Injury
• Detention
• Extortion Property Damage – including pollution, contamination, trade secrets and
computer virus
• Crisis Response – unlimited fees and expenses for Kroll
Sample Risk Classes
• Expatriates
• Executives and Business Owners
• Politicians
• Entertainers
• Athletes
Limits
• Up to $50 million in house capacity
• Worldwide coverage
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23. Malicious Product
Tampering Insurance
Coverage
• Product recall related expenses
• Loss of Gross Profit for up to 12 months
• Rehabilitation Expenses
• Crisis Response / Consultant Expenses including public relations and recall expenses
Acceptable Risk Classes
• Food and Beverage Industries
• Manufacturers
• Retailers
• Wholesalers
• Distributors
Limits
• Up to $5 million primary limit in house capacity
• Up to $10 million excess
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24. Restaurant Recovery
Coverage
• Business Interruption coverage from a covered incident
• Accidental Contamination
• Crisis Management
• Adverse Publicity – including baseless incidents
• Brand Rehabilitation Expenses
• Recall Costs
• Supplier Contamination
• Product Extortion – full policy limit
• 24 hour crisis hotline
Sample Risk Classes
• Restaurants
• Franchises
Limits
• Up to $50 million in house capacity
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26. Employment Practices Liability
Coverage
• For claims brought by employees against their employers for discrimination, harassment, wrongful termination
and any employment related act.
• HR Pilot Management Services included at no additional cost to policyholders
Available Coverage
• Third Party Discrimination and Harassment
• Wage and Hour
• Immigration Coverage
• Punitive Damages
• Defense Outside the Limit
Sample Risk Classes
• Accountants
• Architects & Engineers
• Auto Dealers
• Contractors
• Hi-tech
• Manufacturers
• Non-franchised restaurants
• Retailers
• Wholesalers / Distributors
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27. Employment Practices Liability
Available Terms
• Retentions as low as $2,500
• Low minimum premiums
• Limit options up to $5,000,000
HR Pilot Risk Management Services
• Unlimited Telephone Support and Email
• State Specific Online Content for All 50 States
• Step by Step Procedures for Common HR Issues
• An Employee Handbook
• Online Training
• Monthly Manager Training Bulletins
• Podcast / Webcasts
• Accountants
• Audio Conferences
• Employment Law Updates by Email
• Toll Free Employee Complaint Hotline
Coverage available in all 50 states
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28. Coverage
• Protects architects & engineers against claims arising in the performance of their
professional services.
• Coverage addresses issues such as personal injury, which may involve mental or
emotional anguish or distress, false arrest, invasion of privacy, harassment, libel,
slander or defamation of character.
Sample Risk Classes
• Architects & Engineers
• Land Surveyors
• Geotechnical Engineers
• Design & Building Firms
• Construction Managers
• Environmental Consultants
• Testing Laboratories
Limits
• Up to $5 million in house capacity
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29. Miscellaneous Professional Liability
Coverage
• Protection for the negligent acts, errors or omissions, or breach of duty
committed or alleged to have been committed, or for failure to render
professional services.
• Policy covers the professional services rendered by the Insured as described in
policy declarations.
Sample Risk Classes
• HCC Specialty will consider many types of risk classes, (see chart).
Limits
• Up to $5 million in house capacity
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30. MPL Accepted Risk Classes
Advertising Agencies Call Centers Field Services Management Consultants Premium Auditors Tax Preparers (non-CPA)
Cell Tow er Acquisition
Aircraft Brokers Food Service Consultants Marine Surveyors Printers Technology Consultants
Consultants
Telephone Answ ering
Analytical Testing Labs Claims Adjusters Forensic Analysts Market Researchers Process Surveyors
Services
Property Managers -
Appraisals - Machinery Collection Agents Foresters Medical Billing Services Title Agents
Commercial
Appraisals - Personal Property Managers -
Communication Consultants Franchisors Medical Claims Processors Theater Management
Property Industrial
Property Managers -
Appraisals - Real Estate Convention Managers Graphic Designers Meeting Planners Third Party Administrators
Residential
Mergers & Acquisitions
Arbitration Services Court Reporters Home Inspectors Property Tax Consultant Translators
Consultants
Arborists Custom Brokers Human Resource Consultants Miscellaneous Consultants Public Relations Travel Agents
Archeological Consultants Data Processors Insurance Consultants Mortgage Brokers/Bankers Real Estate Brokers Trustees
Document Destruction
Auctioneers - Estate Insurance Inspection Notaries Records Copying Services Turnaround Management
Services
Auctioneers - Personal Insurance Premium Finance
Drug Testing Services Career Transition Services Right of Way Services Tutoring Services
Property Companies
Employee Benefits Risk Management
Auctioneers - Real Estate Interim Managers Patient Advocate Vessel Documentation
Consultants Consultants
Billing Services Environmental Consultants Interpreter Photographers Seedsmen Wetlands Delineation
Bookkeepers Executive Recruiters Literary Agents Polygraph Examiners Social Security Reps Yacht Brokers
Business Services Expert Witnesses Lobbyists Pre-Employment Screening Talent/Sports Agents
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32. Public Risk Insurance
Municipal Liability Property
• General Liability • Special Peril Coverage for Buildings
• Public Officials Liability and Contents
• Police Professional Liability • Blanket Agreed Amount
• Employment Practices Liability • Valuable Papers and Records
• Medical Professional Services • Extra Expense
• Employee Benefits Liability • Glass Coverage
• Cemetery Professional • Loss of Rents
• Host Liquor Liability • Flood
• Auto Liability • Earthquake
• Umbrella Liability • Electronic Data Processing
• Special Municipal Liability Coverages • Inland Marine for Contractor’s Equipment,
• Special Events Liability Rescue Equipment and Misc Special
Property
Limits • Fire Truck Replacement Cost
• Up to $5 million in house capacity • Boiler and Equipment Breakdown
• Special Emergency Automobile Equipment
Endorsement
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33. Criminal Justice
Service Operations
Coverage
• General Liability
• Professional Liability
• Property Insurance
• Law Enforcement Liability
• Med Mal for Prison Physicians
• Med Mal for Prison Nurses
Sample Risk Classes
• Public & Private Prisons & Jails • Adult & Juvenile Boot camps
• Community Correction Centers • Other Staff Secure Juvenile Facilities
• Pre-Release Centers • Electronic Monitoring Companies
• Work Release Centers • Prisoner Transportation Companies
• Drug & Alcohol Treatment Centers • Court Ordered Counseling
• Restitution Centers • Offender Rehabilitation Classes
• Halfway Houses • Probation Services
Limits
• Up to $5 million in house capacity
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34. Difference in Conditions
Coverage
• Buildings
• Business personal property and/or stock
• Loss of business income, rental income or extra expense
• Tenant improvements and betterments
Sample Risk Classes
• Apartment buildings
• Homeowners associations
• Hotels
• Light manufacturing
• Office buildings
• Retail
Limits
• Up to $15 million per risk zone other than critical zones of A and B
• Up to $10 million in zones A and B
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36. Lumber Industry &
Wood Products Insurance
Coverage Sample Risk Classes
• Property • Lumberyards & building materials dealers
• General Liability • Furniture, cabinet makers & carpentry shops
• Auto • Truss manufacturers
• Umbrella • Box and barrel manufacturers
• Boiler & Machinery • Sawmills & kilns
• Crime, BII and Mobile Equipment • Fence manufacturers
• Inland Marine • Planning mills
• EPLI • Log homes manufacturers
• Pallet manufacturers (new & used)
Limits • Plywood, particle, chip of fiber board
• Up to $50 million in house capacity • Flooring, door or window manufacturers
• Property limits based on property values • Millwork shops
• Auto standard limits / combined single limits • Building material dealers
of $1 million • Wood treaters
• Umbrella limits up to $5 million
• Available in all US states; except HI
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37. Musical Instrument
Insurance
Summary of Coverage
• Damage or theft of covered instruments
• Business income and extra expense coverage
• Borrowed instrument coverage
• Newly acquired property coverage
• Inflation guard
• Replacement instrument coverage
Target Insureds
• Symphonies
• Orchestras
• High-end musical instrument owners
Standard Limits
• Up to $250,000 per instrument
• Higher Limits Available
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38. Bowling Center
Insurance
ASG Bowl, an HCC Specialty underwriting partner, offers comprehensive insurance coverage for bowling centers across the United States.
Summary of Coverage
• Package policy (general liability / property / equipment breakdown)
• Employment practices liability coverage, which offers 24-hour HR-Pilot (our
premiere risk management service)
• Mono-line general liability for states that do not fit program property guidelines
Target Insureds
• Bowling lanes / centers
Available Limits
• Package: $10 million (exceptions may apply)
• General liability: $1 million per occurrence / $2 million aggregate
• Umbrella / excess liability available upon request
• Crime: $25,000
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39. HCC Specialty Office Locations
Scottsdale, AZ
Concord, CA
Los Angeles, CA
San Diego, CA
San Francisco, CA
Chicago, IL
Wakefield, MA
Waltham, MA
Auburn Hills, MI
Mount Kisco, NY
(London, U.K.)
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40. Business Development Team
Glenn Dorr – Sr. Vice President of Prestige
gdorr@hcc.com
(781) 994 6053
Mark Barry – Sr. Vice President of Sales & Marketing
mbarry@hcc.com
(781) 994 6251
Gerard Colistra – Agency Development Manager
gcolistra@hcc.com
(804) 323 6400 x 1124
Nick Coveney – Business Development Associate
ncoveney@hcc.com
(781) 994 6295
Tracy Lin – Marketing Specialist
tlin@hcc.com
(781) 994 6157
Melissa Matheson – Manager of Sales & Marketing
mmatheson@hcc.com
(781) 994 6150
HCC Specialty 401 Edgewater Place, Suite 400, Wakefield, MA 01880 www.hccspecialty.com
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