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Liquor Liability Coverage Essential for Hospitality
Businesses
Liquor
liability insurance is a stumbling block for many in the
hospitality industry. Some insurance experts say as many as
half of the businesses that should have liquor liability
coverage don't have it, often because they don't understand
the extent of their legal exposure.
Depending on the laws in your
state, your clients who serve alcohol may be held liable for
the actions of intoxicated or ...more>

New Property Market
Combined Group is pleased to announce that we are
now partnered with an AM Best "A" rated property carrier in AR, NM, OK, and
TX. This carrier will offer competitive rates on properties with values of
up to $2 Million per location and $5 Million per policy with a minimum
premium as low as $750. The carrier offers wind and hail coverage in Tier
2, including Harris county, and is available online through
E&SExpress ...more>

How to
Investigate Occupational Injury Claims
Occupational
injury claims usually fall into one of two categories -
benefits claims or negligence claims. Each requires
investigation, but there are differences you must be aware
of.
If your clients are using a third party ...more>

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Introducing
TWO New E&S General Lines Carriers!
Thanks to you, Combined
Group's brokerage division has already experienced 61%
growth in 2009, and the year isn't over!
That has attracted more agents, which has resulted in demand
for even more top quality commercial insurance products and
services.
You have asked for additional, high-quality E&S markets and
we have responded!
Catlin Group Limited
is a leading global specialty insurer and reinsurer that
writes more than $3.4 billion annually in gross premiums and
is rated "A" by A. M. Best ...more>

5 Ways to
Close More Accounts and Make More Money
Combined
Group's Premium Finance department can be a real difference
maker when it comes to placing business. If your clients
prefer not to pay an annual premium, let us break it down
into monthly payments, with extremely competitive rates.
Here are five great reasons - some brand new - you should be
having our Premium Finance department help your clients.
1. Financing is now available for risks with premiums less
than $1,000.
2. Premium Finance quotes are provided with all
nonsubscription and E&S quotes, for your convenience. ...more>
 Real Time -
Make it Your Business - www.getrealtime.org
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ERISA -
What It Is and Why It's Important
The
Employee Retirement Income Security Act of 1974 (ERISA) is
federal law that sets minimum standards and provides
protection for people enrolled in most voluntarily
established pension and health plans in private industry.
Subsequent amendments and court cases have established ...more>

Combined Group Celebrates 20 Years of Nonsubscriber
Leadership
Last
month we celebrated Combined Group's 20th anniversary of providing Texas
employers nonsubscriber programs as a smart alternative to the state workers'
compensation system.
Twenty years is a milestone which we're pleased to share with you. And it's you,
our most trusted agency partners, we wish to thank first and foremost. We strive
year-in and year-out to earn your confidence ...more>

What Is a Safe Vehicle Following Distance?
From
the Rockies and across the Great Plains and into the
Northeast cold, snowy weather has started well in advance of
winter's official start.
Winter driving challenges the best of drivers, and ...more>

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