“Even if a driver is considered high-risk, he should still be able to obtain affordable car insurance. There are many specialized providers that are waiting to insure high-risk drivers.”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
March 29, 2021

Compare-autoinsurance.org has launched a new blog post that explains what a high-risk driver is and how to get cheaper car insurance.

For more info and free car insurance quotes, visit https://compare-autoinsurance.org/how-to-get-better-car-insurance-rates-even-if-you-are-a-high-risk-driver.

For average drivers, car insurance can seem to be expensive. However, drivers that are labeled as high-risk, are the ones that have to pay the most for their car insurance premiums. These drivers are very risky and oftentimes expensive to insure. This is because the chance of the insurance provider having to pay for repairs, medical bills, and property damage is much higher.

Insurance providers label the following types of drivers as high-risk:

• 
  DUI/DWI offenders. Drivers who have a DUI or DWI in the last 10 years are likely to be considered high-risk by auto insurers. To increase the chances of finding an auto insurance policy, these drivers can take driver improvement classes and alcohol or addiction classes.
• Young drivers with bad driving records. Younger, inexperienced drivers are more likely to be involved in accidents that cause injuries and/or high amounts of property damage. Also, many young drivers are more likely to receive tickets. A young driver with a number of tickets and accidents on his record is considered high-risk. To save money on their insurance, young drivers can take defensive driving and/or driver’s ed classes.
• Drivers of fast, expensive vehicles. Even if they have a clean driving record, owners of fast, expensive cars are likely to be labeled high-risk by their insurance providers. Drivers of these types of vehicles can save money if they install additional safety features.

High-risk drivers looking for insurance should check the following insurance companies:

• Bristol West. This provider is a subsidiary of Farmers Insurance. This provider is highly regarded and offers affordable premiums. They also provide options for low down payments on liability coverage, as well as payment options that are flexible and can meet a driver’s specific needs.
• Geico Casualty. This is a subsidiary of Geico that is known for using a clear and very easy to understand point system that will help high-risk drivers figure out how much are going to pay for their premiums.
• Progressive. Progressive first started as a provider exclusively for high-risk drivers. Also, they were the first to allow drivers to pay premiums in installments instead of in a lump sum. This carrier has received outstanding reviews for customer services, as well as claims processing.
• Titan Insurance. As a subsidiary of Nationwide, this carrier is known for offering insurance coverage for high-risk drivers that other carriers would never consider covering, like DUI convicted drivers. They also provide the drivers they cover with SR-22 paperwork. Also, they offer discounts, such as the one offered for driving a vehicle with anti-lock brakes.
• State Farm. Besides offering affordable plans for drivers who are considered high-risk, they also offer their specialized Drive Safe and Save program, which helps them determine how safe a high-driver is in order to offer them discounts based on the information they collect.

For additional info, money-saving tips and free car insurance quotes, visit https://compare-autoinsurance.org.

Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

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Tax Preparer Professional Liability

Tax Preparer Professional Liability Insurance helps protect against allegations of professional negligence and litigation that can result in legal judgments, settlements and out-of-pocket attorney defense costs.

LAKEWOOD RANCH, Fla. (PRWEB)
March 29, 2021

360 Coverage Pros announced today the launch of a new professional liability insurance program for tax preparers with a fast, easy online application. The program features liability limits of up to one million dollars is designed for professionals providing predominantly tax-related services including, Enrolled Agents, Annual Filing Season Participants, Accountants (CPAs and non-CPAs), and PTIN Holders.

Tax professionals work long hours, deal with many clients and face complex compliance requirements. Tax Preparer Professional Liability Insurance helps protect against allegations of professional negligence and litigation that can result in legal judgments, settlements and out-of-pocket attorney defense costs.

This program offers broad coverage options for tax work and services, including permitting insureds to provide payroll, general business planning and other services. Insureds are also covered for a limited percentage of audits, compilations, reviews and personal financial/investment advisory services for their clients under the program.

“Tax services can be challenging on a good day,” says Program Manager Chris Buseman. “Our intention is to fill a gap within the professional liability market for tax professionals to obtain a comprehensive policy within minutes that doesn’t break the bank. We understand that many professionals are licensed or credentialed and run the risk of regulatory board inquiries, so we’ve incorporated all of the must-have protections to guarantee that our insureds are amply safeguarded and that their interests come first.”

Program Highlights:

• Coverage starts at $23.33/month
• Fast, easy online application
• Instant proof of insurance
• Access to a legal advice hotline and an attorney
• Coverage for individuals or firms, including employees and independent contractors
• Coverage for additional insureds
• First-class customer care and a painless automatic renewal process
• Underwritten by Lloyds of London: rated “A” (Excellent) by insurance analytics firm A.M. Best

The policy also includes the following at no additional cost:

• Disciplinary or license/regulatory proceeding expense
• Subpoena assistance
• Defendant’s expense
• Employee theft coverage

To learn more or schedule a free consultation, please visit: https://www.360coveragepros.com/professional-liability-insurance/tax-preparers-and-bookkeepers.

About 360 Coverage Pros

360 Coverage Pros is an insurance industry leader specializing in professional liability solutions for small businesses and independent contractors. As the trusted program administrator and insurance provider for over 300 national associations and affinity groups, you can count on 360 Coverage Pros to deliver unparalleled insurance expertise. We work with only top-rated carriers to develop industry-tailored programs that offer comprehensive coverage options, low rates and first-class customer care.

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In a recent study conducted by Utilant, Loss Control 360‘s AI technology reduced the time it takes to review external data sources from policyholders, agents, and brokers by 50%.

BUFFALO, N.Y. (PRWEB)
March 25, 2021

Utilant, an InsurTech leader providing the industry’s best-in-class Survey Management SaaS Product Suite for Loss Control and Premium Audit surveys, has released new AI capabilities for taking action on survey data within the Loss Control 360 (LC360) platform.

Real-Time Photo and Video Analysis

Carriers and vendors using Utilant’s self-survey module or Guide Stream 360 (video-guided surveys) can utilize machine learning technologies to automatically label, hazard score and upload images into Loss Control 360.

Using state-of-the-art computer vision systems, Utilant has begun to leverage a growing database of over 200 million photos to train its machine learning platform to automatically label photos and video in real-time. Some of the items AI can identify and automatically label, hazard score, and generate recommendations on from videos of commercial and residential properties include:

• 
      Sprinklers
•     Fire Extinguishers
•     Ventilation Hoods
•     Hot Water Boilers
•     Electrical Panels
•     A/C Compressors
•     Heating Systems
•     Commercial Stoves
•     Pools
•     Water Supply Lines
•     Roof Condition

Real-Time AI Hazard Detections

After a photo has been labeled, Utilant’s Risk Alerts will analyze the photo further to identify any potential hazards in real-time. This feature improves the accuracy of surveys and acts as a “second set of eyes” to ensure critical hazards, such as missing sprinklers and railings, non-braided hoses, Federal Pacific “Stab Lok” panels, trip and fall hazards, and other issues aren’t being overlooked.

Real-Time Text Extraction to Identify Equipment Recalls

Using optical character recognition, Utilant’s AI can also extract text from inspection tags on fire extinguishing systems, nameplates on appliances, maintenance records, etc., from videos and photos. This information can then be cross-referenced to recall and equipment list databases to identify any recalls or potential issues in real-time.

AI Impact on Loss Control Workflow

Market shifts toward desktop reviews, self-surveys, and third-party data sources have increased the volume, variety, and velocity at which data is accumulated. Equipping non-experts with survey collection tools allow more risks to be reviewed. These external data sources are a rich source for AI-driven data mining that otherwise would have been humanly impossible or cost-prohibitive to collect or review in a timely manner. AI enables data analysis for quality and accuracy, taking the increased burden of data validation off of subject matter experts.

Making Loss control personnel more efficient and reducing losses is the ultimate goal of the LC360 SaaS platform. LC360’s AI creates a standardization and uniformity of collected data from disparate sources by tagging and labeling photos with the same standards as an onsite loss control person. Applying AI to the data gathered through virtual tools is the safeguard that allows potential problems to be identified and flagged for subject matter experts to follow up on.

In a recent study conducted by Utilant, Loss Control 360‘s AI technology reduced the time it takes to review external data sources from policyholders, agents, and brokers by 50%.

Loss Control personnel can now spend less time identifying and tagging items such as appliances and aging or recalled equipment while allowing the system to leverage their subject matter expertise as the criteria used for risk and hazard evaluation.

“Advanced AI and machine learning are allowing carriers and vendors to analyze data right at the source and take immediate action, ’’ said Pat Davis, CEO at Utilant. “By identifying hazards and providing recommendations as data is collected, carriers and vendors can now create more value by proactively addressing issues and providing recommendations in real-time.’’

About Utilant and Loss Control 360

Utilant is an InsurTech leader providing the industry’s best-in-class Survey Management SaaS Product Suite for Loss Control and Premium Audit surveys. Utilant’s Loss Control 360 platform drives predictive risk insights with intelligent loss control solutions for Property & Casualty Insurance Carriers and Top Risk Engineering Companies. The Loss Control 360 platform leverages the world’s largest repository of survey data, coupled with a suite of work-flow tools designed to inform smarter underwriting decisions. A typical implementation provides positive ROI within the first year. For more information visit http://www.losscontrol360.com.

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“Investing the time to learn about your insurance now can pay off down the line if an event were to occur.”

LOS ANGELES (PRWEB)
March 25, 2021

Warm spring weather tends to bring home buyers and renters out of hibernation and into the real estate market. Choosing whether to rent or buy a home is a decision many Americans grapple with and each option has its benefits depending on how long you plan to live in an area. Mercury Insurance suggests that insurance shouldn’t be overlooked when deciding which is best for your particular needs.

“Knowing what type and amount of insurance coverage you need is the best way to prepare and protect your family and property,” said Christopher O’Rourke, vice president of property claims at Mercury Insurance. “Investing the time to learn about your insurance now can pay off down the line if an event were to occur.

“Your insurance agent can help you determine the right type of insurance and amount of coverage needed to protect you, your family and property – they can help tailor a plan to cover what you need.”

Following are three residential scenarios to help determine which type of insurance coverage is best for you.

1. You plan to own and live in your home. Homeowners insurance can provide coverage for your house, property and belongings. It also provides liability coverage if a houseguest suffers an injury within the home or on the property. Other structures not attached to your home, such as a detached garage, fence or pool, can also be covered by this policy.

2. You plan to rent an apartment or house. Renters insurance is an inexpensive purchase to protect your belongings. It can provide financial reimbursement to cover lost or damaged property resulting from covered loss, such as fire, theft or vandalism.

3. You plan to rent your owned residence to a tenant. A Landlord insurance policy can help cover the costs to repair or replace damages to your rental from a covered loss like fire, lightning, wind or hail. Landlord insurance also provides premises liability protection that can cover you in the event someone gets injured on your property and you are found legally liable for the injury.

Regardless of your type of residence, it’s good practice to create a home inventory of your belongings to have an accurate record of what you own. This helps ensure you have the sufficient amount of insurance coverage, as well as know exactly what needs to be replaced in the event your property is damaged or stolen.

Visit Mercury’s blog for more details about choosing the right type of insurance coverage coverage, as well as other valuable insurance tips.

About Mercury Insurance

Mercury Insurance (MCY) is a multiple-line insurance organization predominantly offering personal automobile, homeowners and commercial insurance through a network of independent agents in Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia. Since 1962, Mercury has specialized in offering quality insurance at affordable prices. For more information visit http://www.mercuryinsurance.com or Facebook and follow the company on Twitter.

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2020 was a year of dramatic developments for the cybersecurity industry.

BIRMINGHAM, Mich. (PRWEB)
March 25, 2021

Author, industry analyst, and founder of IT-Harvest, Richard Stiennon, announced the publication date of May 25, 2021 for “Security Yearbook 2021: A History and Directory of the IT Security Industry.” The book is available for pre-order at http://www.it-harvest.com/shop. It was produced and printed in hardcover with the support of sponsors Anitian and Cofense.

2020 was a year of dramatic developments for the cybersecurity industry. There were two notable failures of funded startups added to the chapter on failures. 271 vendors received new funding for a total of $10 billion in new investments. 225 vendors were acquired with private equity claiming the majority of M&A activity. Complete lists of new funding and M&A are published in the new book. The impact of COVID-19 slowed growth for many vendors as they expected demand to drop. But the move to work-from-home increased demand for technology to protect newly distributed organizations. Zero trust networking and SASE solutions saw tremendous growth in 2020.

“Security Yearbook” is the only published history of the IT security industry. This year the 2021 edition includes 2,615 vendors listed by country and category. The percent change in headcount is provided for each vendor. “This is one of the most valuable metrics for determining a vendor’s health,” Stiennon said. “Successful companies grow.”

The result of over a decade of research, “Security Yearbook 2021” starts at the early days of RACF, ACF2, Check Point Software, Symantec, and McAfee, coming right up to the present day.

“Security Yearbook 2021” is not a summary of technologies; this is a book filled with rich histories of the vendors and the people behind the companies – the misfits and pioneers – that have together built today’s $300+ billion cybersecurity industry.

Their individual stories are recounted in their own voice alongside the author’s market research and analysis, making this a one-of-a-kind read and an indispensable guide to the entire IT security industry.

“Security Yearbook has become my life’s work,” said Richard Stiennon. “It is a full-time job just keeping up with the space. In this book I incorporate everything I have learned in 25 years of being part of an industry that grows over 24% every year.”

“Security Yearbook” is already an indispensable reference for industry veterans and CISOs. Industry analysts, Wall Street analysts, professors, and marketing teams use it for product selection, and short listing. The industry is subdivided into 16 different sectors, including Network, Endpoint, Data Security, GRC, and MSSPs. New sectors such as Security Analytics, Threat Intelligence, and Deception will be of particular interest to practitioners who are looking to understand advanced cyber defense tools and practices.

About Stiennon:

Richard Stiennon is Chief Research Analyst for IT-Harvest, the firm he founded in 2005 to cover the 2,615 vendors that make up the IT security industry. He has presented on the topic of cybersecurity in 31 countries on six continents. He was a lecturer at Charles Sturt University in Australia. He is the author of Security Yearbook 2021: A History and Directory of the IT Security Industry. He published Curmudgeon: How to Succeed as an Industry Analyst in 2020. In 2019 he published Secure Cloud Transformation: The CIO’s Journey. He also wrote Surviving Cyberwar (Government Institutes, 2010) and Washington Post Best Seller, There Will Be Cyberwar. He writes for Forbes, and The Analyst Syndicate. He is a member of the advisory board at several technology startups and sits on the board of Anitian. Stiennon was Chief Strategy Officer for Blancco Technology Group, the Chief Marketing Officer for Fortinet, Inc. and VP Threat Research at Webroot Software. Prior to that he was a Research VP at Gartner. He has a B.S. in Aerospace Engineering and his MA in War in the Modern World from King’s College, London. Follow @cyberwar on Twitter.

About Anitian

Anitian delivers a fast path to security and compliance in the cloud. Anitian’s Compliance Automation Platform and SecureCloud DevSecOps Platform help high-growth SaaS companies get applications to market quickly, so they can unlock revenue in weeks, not months or years. Its automated cloud platform and service delivers a full suite of security controls – pre-engineered and pre-configured to security standards such as FedRAMP, PCI, CMMC, GDPR, or ISO27001. Anitian’s pre-engineered environment and platform use the full power and scale of the cloud to accelerate time-to-market and time-to-revenue. Find out more at http://www.anitian.com.

About Cofense

Cofense® is a provider of phishing detection and response solutions. Designed for enterprise organizations, the Cofense Phishing Detection and Response (PDR) platform leverages a global network of over 25 million people actively reporting suspected phish, combined with advanced automation to stop phishing attacks faster and stay ahead of breaches. When deploying the full suite of Cofense solutions, organizations can educate employees on how to identify and report phish, detect phish in their environment and respond quickly to remediate threats. With seamless integration into most major TIPs, SIEMs, and SOARs, Cofense solutions easily align with existing security ecosystems. Find out more at http://www.cofense.com.

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CHICAGO (PRWEB)
March 25, 2021

High Definition Vehicle Insurance (HDVI) Group, the next-generation commercial auto insurance business, today announced new relationships with Munich Re Specialty Insurance and Spinnaker Insurance Company as well as expansion into four new states, signaling the company’s early momentum in providing innovative solutions for the trucking insurance market. Currently available in Tennessee and Alabama, HDVI is also launching in Illinois, Indiana, Ohio, and Minnesota, with additional states coming soon.

Last year, HDVI announced that it had raised $16 million in Series A funding led by 8VC and Munich Re Ventures, the venture capital investment arm of Munich Re. Munich Re Specialty Insurance will support and collaborate with HDVI around its innovative risk solutions. Spinnaker will serve as the insurance company for the HDVI program. HDVI’s captive, which is managed through Mangrove Insurance Solutions, a protected cell company facility operated by leading insurance broker Marsh, will retain a portion of the risk.

Co-founded by Chuck Wallace, a co-founder of Esurance, and Reid Spitz, a former investor in insurtech and logistics at 8VC, HDVI focuses on data-driven technology to deliver a new commercial insurance solution that helps trucking fleets improve safety, compliance, and operations. HDVI was created to provide fleet operators with an integrated suite of hardware, software, and services as well as a next-generation insurance product that rewards fleets and drivers for operating safely. HDVI includes a holding company, operating subsidiaries, and a captive.

Having established itself as an emerging leader in bringing technology and data-centric innovation to commercial auto insurance, HDVI’s new relationships provide the capacity required to continue this innovation while rapidly expanding into new states across the country. The combination of innovation, industry-leading global insurance support, and expansion puts HDVI in a position to build a successful commercial auto insurance company while providing a compelling value proposition to its customers. HDVI-insured fleets enjoy the benefits of HDVI’s technology and innovation with insurance backed by highly-rated industry leaders with deep financial strength.

“Spinnaker is committed to supporting innovation within the insurance industry,” said Dave Ingrey, CEO of Spinnaker. “We look forward to supporting HDVI as they use technologies like telematics to revolutionize the commercial auto industry.”

“While rapid innovation is occurring in every other segment of insurance, there’s also a clear opportunity to build a new type of commercial auto insurance company that incorporates advanced technology and data into everything it does,” said Chuck Wallace, CEO and co-founder of HDVI Group. “Building a world-class commercial auto insurance company is filled with both challenges and significant opportunities, and Reid and I are proud to have Munich Re Specialty Insurance and Spinnaker working closely with us to build HDVI. With this team, we’re poised to tackle the enormous market potential.”

To learn more, visit: https://hdvi.com

To learn more about agency partnerships, visit: https://hdvi.com/for_agents/.

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About HDVI Group

HDVI is the next-generation commercial auto insurance business. The company provides commercial fleets with an innovative, flexible insurance product alongside powerful, easy-to-use tools to help them improve safety, compliance, and profitability. HDVI is headquartered in Chicago, Illinois, with additional offices in Greenville, South Carolina, Austin, Texas, and San Francisco, California. High Definition Vehicle Insurance, Inc. is a licensed property casualty insurance agent with products underwritten by various insurance companies. For more information, visit http://www.hdvi.com.

About Munich Re Specialty Insurance

Munich Re Specialty Insurance is a description for the insurance business operations of affiliated companies in the Munich Re Group that share a common directive to offer and deliver specialty property and casualty insurance products and services in North America. Munich Re Specialty Insurance offers its clients innovative risk and claims solutions powered by advanced technology and analytics, superior service and enhanced responsiveness to clients’ needs.

About Munich Re

Munich Re is one of the world’s leading providers of reinsurance, primary insurance and insurance-related risk solutions. The group consists of the reinsurance and ERGO business segments, as well as the capital investment company MEAG. Munich Re is globally active and operates in all lines of the insurance business. Since it was founded in 1880, Munich Re has been known for its unrivalled risk-related expertise and its sound financial position. It offers customers financial protection when faced with exceptional levels of damage – from the 1906 San Francisco earthquake through to the 2019 Pacific typhoon season. Munich Re possesses outstanding innovative strength, which enables it to also provide coverage for extraordinary risks such as rocket launches, renewable energies, cyberattacks, or pandemics. The company is playing a key role in driving forward the digital transformation of the insurance industry, and in doing so has further expanded its ability to assess risks and the range of services that it offers. Its tailor-made solutions and close proximity to its customers make Munich Re one of the world’s most sought-after risk partners for businesses, institutions, and private individuals.

About Spinnaker Insurance Company

Spinnaker Insurance Company is a national property and casualty insurer rated A- by A.M. Best Company. With the ability to offer admitted insurance products in 50 states and the District of Columbia, Spinnaker utilizes program administrators and managing general agents to access niche markets and provide value-added fronting programs, focusing on short-tail business in personal, commercial and specialty lines. Learn more at http://www.spinnakerins.com.

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Auto and Home Insurance for AmeriCAN Heroes

We are proud to protect American Heroes and their families…

SAN MATEO, Calif. (PRWEB)
March 25, 2021

California Casualty has been named “Best 2021 Car Insurance in California for Frontline Workers” by Investopedia, a leading online consumer education resource. The announcement comes from their report which reviewed over 20 insurance companies in the state of California, comparing their cost, value, service, coverage options and more.

Investopedia references California Casualty, a national auto and home insurance company with roots in California, as “the best auto insurance for nurses, teachers, firefighters and other essential providers, offering special rates and benefits unavailable to the general public.” When quoting with California Casualty, Investopedia’s team received rates 30% below the average.

The report highlights specific benefits and policy enhancements that California Casualty offers frontline workers. Listed are features such as firearms coverage and a fallen hero survivor benefit for firefighters and police officers, and deductible waivers for teachers and nurses.

Investopedia was founded in 1999 by to simplify complex financial information and decisions for its readers, giving them the confidence to manage every aspect of their financial life.

It’s no surprise to California Casualty that the company is referenced in such a way. As the auto and home insurance partner to California Teachers Association (CTA), California State Firefighters’ Association (CSFA), PORAC and numerous educator and public safety member groups across the country, the company has been protecting frontline workers for decades. Their reported expertise in the rates offered and the benefits provided is well-founded.

“We are proud to protect American Heroes and their families with special pricing, discounts, and policy benefits that meet their needs,” said Mike McCormick, California Casualty’s CMO.

About California Casualty

Founded in 1914 and headquartered in San Mateo, California with service centers in Arizona, Colorado and Kansas, California Casualty provides educators, public safety, nurses and United MileagePlus members across the country auto and home insurance with special rates, generous discounts and unique benefits not available to the general public. Learn more about California Casualty at http://www.calcas.com or call 1.800.800.9410.

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