Express Service Insurance

Insurance for your Business Plan

Wed, 10 Apr 2013 19:09:51 -0400

When starting a new business and punching out your first business plan, make sure that you are adding your fixed insurance costs to the equation.

Depending on the business, you will have to acquire adequate coverage for the type of risk your business has to all elements. Whether it be for unforeseen natural losses; a fire at your building. Or even those that are more specific to your type of service or product. Make sure that you are getting the correct advice from an experienced and licensed insurance agent that understands the risks in your business to insure none of those risks are left hovering over you without proper protection.

Hopefully you never have to make a claim on your insurance policy, but that is uncertainty that needs to be addressed.

Give us a call or even email us so that we can get you an accurate quote that will help you figure out the costs of going into a new business.

We offer the following business insurance products:

General Liability
Product Liability
Professional Liability
Workers Compensation
Cyber Liability
Media Liability
Group Health
Disability
Life
and more

Express Service Insurance…your one stop shop for all insurance needs.

eInsuranceCalifornia.com

info@calstateinsure.com

LIC#0G83954

We are now proud to offer insurance with CIBA

Tue, 02 Apr 2013 14:29:07 -0400

Technology Companies need a solid Insurance package.

Fri, 29 Mar 2013 14:47:50 -0400

As a technology startup or even a well established company it is imperative to have the right insurance to protect your growing company.

Business Owners policies are important, but this may not be the only insurance you need. A business owners policy will cover your general liability and property coverage. If you are in a Technology consulting business or a company that can cause financial harm to your clients based on your services; you should consider getting a professional liability policy.

Technology E&O or professional liability protects your business from claims if your client holds you responsible for programming errors, software, or breach of contract. These are typical claims that can happen and you need to be prepared and protected if it ever does come about.

Another imperative insurance to have is Cyber Liability insurance. Cyber Liability addresses the 1st and 3rd party risks associated with e-business, the Internet, networks and informational assets. Cyberspace Internet Liability Insurance coverage offers cutting edge protection for exposures arising out of Internet communications. A common example is if your website handles money transactions either between you and your website visitor or if you are in the service of handeling money for your clients.

There are other types of endorsements you can make to your Technology insurance including: media liability, Directors and Officers insurance, Fiduciary Liability and Intellectual property insurance.

Stay tuned to our future posts that will start to go into more depth on the different types of insurance for technology companies in California.

Medicare Has Stopped Paying Bills For Medical Diagnostic Tests. Patients Will Feel The Effects

Wed, 27 Mar 2013 18:43:36 -0400

Medicare Has Stopped Paying Bills For Medical Diagnostic Tests. Patients Will Feel The Effects

Home Inventory application on the app store is a great way to...

Tue, 12 Mar 2013 15:03:58 -0400

Home Inventory application on the app store is a great way to keep track of your personal property and insurance information in case you do have a claim and need to provide proof and itemization list to the claims department. We at Express Service Insurance highly recommend this application.

Health Care Reform on Chanel 7

Thu, 21 Feb 2013 12:49:03 -0500

Health Care Reform on Chanel 7

Bitter Pill: Inside TIME’s Cover Story on Medical Bills

Thu, 21 Feb 2013 12:42:56 -0500

Bitter Pill: Inside TIME’s Cover Story on Medical Bills

Anthem Blue Cross re-adjusting 2/1/13 rate increase after Department of Insurance review

Fri, 15 Feb 2013 16:07:35 -0500

Media Coverage and California Individual Rate Adjustments

Many of you may have seen news coverage about our agreement with the California Department of Insurance (CDI) to reduce our Individual premium increase that was implemented beginning on Feb. 1, 2013 and impacted approximately 636,000 Individual members.

Anthem Blue Cross Life and Health Insurance Company (Anthem) originally filed for an average 17.9 percent increase, and after negotiations with the Department of Insurance, agreed to change the increase to an average 13.9 percent increase. As a result of the revised rates, the majority of your Individual clients will receive a lower rate than previously communicated.

Anthem will lower the premium for these Individual market products and will allow policyholders who switched to a lower cost product to switch back to their former product. The members who dropped coverage because of the rate increase can reinstate in the product they recently dropped without going through medical underwriting.

CEO of Travelers on Charlie Rose

Wed, 13 Feb 2013 14:00:00 -0500

http://www.charlierose.com/view/interview/12770

We are proud representatives of Travelers Insurance Co. We continue to insure all types of small businesses with the top business insurance carrier in the US. See Jay Fishman, CEO of Travelers, on Charlie Rose earlier this week.

2013 Medicare premiums, deductibles, etc.

Fri, 30 Nov 2012 18:43:19 -0500

The Centers for Medicare and Medicaid Services (CMS) has announced the 2013 Medicare premium, deductible and coinsurance amounts to be paid by Medicare beneficiaries in the Original Medicare program, effective January 1, 2013, as follows:

2012

2013

Cost Sharing Change

$99.90*

$104.90*

Monthly Part B Premium*

$140.00

$147.00

Part B Deductible per year

$1,156.00

$1,184.00

Part A Deductible per benefit period

$289.00

$296.00

Daily cost to beneficiary for hospital days 61 to 90 in a benefit period

$578.00

$592.00

Daily cost to beneficiary for hospital days 91 to 150 in a benefit period (lifetime reserve days)

$144.50

$148.00

Skilled Nursing Facility daily coinsurance amount for days 21 to 100 in a benefit period

$451.00

$441.00

Monthly Part A premium (paid by Medicare beneficiaries who have fewer than 30 quarters of Medicare-covered employment, and certain disabled beneficiaries)

$248.00

$243.00

Monthly Part A premium (paid by Medicare beneficiaries with 30 to 39 quarters of Medicare-covered employment, and certain disabled beneficiaries)

YES on Prop 33

Tue, 06 Nov 2012 11:57:47 -0500

Blue Shield of California Announces 2% pledge giveback in December

Mon, 29 Oct 2012 19:48:53 -0400

Early tomorrow, October 30, 2012, Blue Shield will issue a news release announcing that we are fulfilling our 2% Pledge commitment for 2012 and returning $50 million to our customers as dues/premium credits, a tangible illustration of how we are working to make coverage more affordable. This is the third year of givebacks from our 2% Pledge program to limit net income to 2% of revenue, and return any income earned in excess of 2% to our customers.*

For those that are eligible for a credit from the 2% Pledge for 2012, the credits will be reflected in their bill for December dues/premium. The credits are applied for customers with medical, dental, vision and life insurance** coverage, and are based on the customer’s August 2012 dues/premium amount. Customers will be sent a letter starting on November 5 notifying them of their credit amount. For employer group customers, the letter will be addressed to the Group Administrator listed in our records.

The 2012 customer credits will be distributed as follows:

Fully insured individual plan (including Medicare Supplement) and group customers will receive a 9% credit on one month’s dues/premium
Customers with whom we share risk with will receive a 3% credit on one month’s dues/premium
Self-funded groups are not eligible for the credit, nor are persons covered under certain federal and state government contracts that don’t provide a way to give credits

Get answers to your health questions 24/7 with Anthem Blue Cross

Wed, 24 Oct 2012 12:56:03 -0400

It’s 3 a.m. on a Sunday morning and you’re asking yourself: is it just a cold or is it a sinus infection? Instead of calling a family member or a friend, we’ve got a better option - 24/7NurseLine.

The 24/7 NurseLine lets you talk to trained registered nurses any time of the day or night to answer your health questions. They can help you understand your symptoms and decide the right care for you. The best part is your health plan includes free access to the 24/7 NurseLine.

What kinds of questions can the 24/7 NurseLine handle? A nurse can talk with you about these and other conditions:

Allergies
Cough
Earache
Fever
Flu
Preventive care

And if you need medical care, our nurses can help you decide where to go if your doctor isn’t available. Do you need to head straight to the ER? Is urgent care best? Or do you need to see your doctor? Choosing the right place for care can save you time and money - and give you access to the best possible care.

See the 24/7 NurseLine in action by watching this video:

http://connects.anthem.com/ca/howwehelp/associate/nurse/detail/12/

Drive Safely in Rural Areas to avoid Deer accidents.

Wed, 10 Oct 2012 15:29:27 -0400

Hundreds of thousands of deer-car collisions occur every year throughout the United States, with the majority of these accidents happening in October and November. Nationally, deer-car accidents cause more than $1 billion in vehicle damages and claim 150 lives every year, and the number of fatalities has been rising since 2000.

Summary of Benefits and Coverage for Blue Shield of California small group policies

Thu, 27 Sep 2012 15:06:18 -0400

Summary of Benefits and Coverage for Blue Shield of California small group policies

Anthem's Interactive Video that helps you understand your health insurance benefits

Tue, 18 Sep 2012 18:28:53 -0400

Anthem's Interactive Video that helps you understand your health insurance benefits

Progressive Commercial Auto

Mon, 17 Sep 2012 16:45:50 -0400

More coverage. Check out these new and broader coverages—they’re available automatically, and for no additional charge:

Financed Value coverage for heavy trucks
Expanded coverage for substitute vehicles
Broader coverage for cargo and debris removal
Pet Injury coverage for dogs and cats

Higher limits. Limits up to $2 million are here for Liability, Any Auto, Hired Auto, Non-Owned and Uninsured Motorists coverages.

Loyalty Rewards. Accident Forgiveness and more, just for renewing with us.

Paid in Full Discount. We’re increasing our Paid in Full Discount from 10 percent to 15 percent.

Waste haulers. Full coverage (Physical Damage plus Liability) is now available on garbage and for-hire debris haulers

Wholesale route driver program. We’ve opened up Truck Cargo and Truck General Liability coverages to wholesale route drivers.

Car Safety Can Get You Discounts on Car Insurance

Tue, 11 Sep 2012 13:58:56 -0400

“If you are in the market for a new or used auto, it is almost always a good idea to check into the cost of insurance before finalizing your purchase. Generally speaking, expensive cars are also more costly to insure. Moreover, every vehicle has a safety rating that may affect the cost of your premium. Ask your Mercury agent for a free rate quote.

Factory-installed safety features often qualify for premium discounts. For example, air bags, anti-lock brakes and anti-theft systems are the most common features that may earn you discounts on your insurance policy. Anti-lock brakes, in particular, often head the list of auto safety features. Certain states—such as Florida, New Jersey and New Yorkgives a discount for this feature. Daytime running lights may also qualify for a discount, as well as automatic seat belts.

After-market installations of automatic seat belts, car alarms and anti-theft devices may also qualify for car safety discounts.

In some states, a Vehicle Identification Number (VIN) window etching qualifies for a discount. After-market window etching, in particular, tends to be fairly inexpensive and is occasionally offered through local police departments as part of local vehicle theft prevention initiatives.

Mercury Insurance offers discounts for car safety features.”

*http://www.mercuryinsurance.com/tips/car-safety.html

CNA Insurance

Fri, 07 Sep 2012 17:20:06 -0400

We are pleased to be a representative of CNA and CNA surety.

If you are in the Technology, Manufacturing, Healthcare, Professional Services or Life Sciences; CNA would be a very good fit for your business insurance needs.

Call us for a free, fast and easy quote.

Why Blue Shield of California

Thu, 06 Sep 2012 12:56:04 -0400

This not for profit health insurance company is making big waves with their new revised health insurance plans in California.

Shield Secure Plus, Shield Secure, Shield Wise, and Shield Saver plans all feature the benefits you may need, such as:

Physician office visits
Preventive care services without a copay
Brand-name drug coverage
Chiropractic and acupuncture coverage, and much more

Click here to start getting quotes.