The study, commissioned by the U.S. States Department of Environmental Health, the Harvard School of Public Health and Microsoft Corp., among others, examined the effects of media tablet computers on users and was published this month in “Work: A Journal of Prevention, Assessment and Rehabilitation.”

Two tablets, iPad & Xoom, were tested among 15 experienced users who performed simple computer tasks including browsing the Internet and reading email, according to the study.

An infrared motion analysis system measured head and neck postures as users completed the tasks in four typical user configurations: on the lap and held with the user’s hands; on the lap and in a case; on a table in a case; and on a table in a case set at a high angle for watching movies, according to the study.

The use of media tablet computers is associated with high head and neck flexion postures, especially compared to those for typical desktop computing scenarios,” the scientists said in the study. “These postures are affected by the type of case used to support the tablets as well as the location of the device.”

The scientists said that according to the data, head and neck posture can be improved through case designs that allow for better viewing angles and by not using the device at “lap-level locations.

Many of our insured have received notices of premium increase, some of the them seen as much as 35% or more. Paperless Insurance Services is dilegently working to ensure our clients receive accurate up-to-date and competitive proposals at each renewal. Our state of the art rating system allows us to approach more carriers at within a shorter time period, hence, our clients receive comprehensive proposals and market analysis with each renewal.

Buy business insurance now.

PIS INC will be using their website as the marketing and underwriting base in the State if New York CFO Diana Motseniat said in her announcement.

Paperless Insurance also announced that it is in the process of starting operations in the State of Texas.

“Starting operations in New York is vital to the continued expansion of our U.S. platform to complement our strong position and build a truly unified small business insurance platform,” said Mrs. Motseniat in a statement. “Our San Francisco office is continuing primarily be a production center, led by CEO Dimitri Glazer. However, it is also designed to be a hub for all our markets, and any staff or clients who want to use the facilities will be made very welcome.”

Paperless Insurance Services, Inc has been providing small businesses general liability, workers compensation, and product liability insurance coverage since 2005. The beginning of operations in New York state totals to 23 states of Paperless Insurance coverage.

This inspection sheet should be completed at home by the entire family.  Inspect each area of your home to make sure no fire hazards exist.

Did you know that Paperless Insurance offers Directors’ & Officers’ Liability coverage for Nonprofit Organizations? Designed specifically to meet the unique needs of Nonprofits including, but not limited to, social service agencies, associations, museums and foundations, this program is offered through a special program administrator, and endorsed by a number of prestigious organizations such as United Way Worldwide, the American Association of Museums and the American Society of Association Executives.

Coverages Tailored to Each Specific Class of Nonprofit
Full Limit Anti-trust coverage for Associations, IRS Fines and Penalties coverage for Foundations, and Provenance Sublimits for Museums are just a few examples of the coverages we offer that can help give your clients peace of mind knowing their organization is properly protected.

Additional Coverages* Include:

• Entity Identity Fraud Coverage
• Sub-limits for penalties violations of lobby law violations and CAN-Spam Act violations
• Coverage for penalties associated with self reported failure to file 990 tax forms
• Coverage for a Community Foundation or local United Way’s fiscal sponsorship activities

Other Features Include*:

• Over 90% of policies renew automatically without requiring an application

• Defense outside the limits of liability
• Employment Practices and EPLI Third Party Liability Coverage
• Ability to include Fiduciary and Crime coverage parts
• Punitive and multiplied damages

Learn More
For additional information refer to our D&O Flyer for Nonprofit Associations or call 1-800-339-0104 to speak with a representative today! Visit us on the web at www.paperless-insurance.com.

*where permitted by law
The description herein is a summary only. It does not include all terms, conditions and exclusions of the policies described. Please refer to the policy to determine all terms, conditions, exclusions, and limitations of coverage. Coverage is provided by property and casualty insurance companies and may not be available in all states.

1. Overexertion — or injuries caused by lifting, pushing, pulling, holding and carrying – 25% of all claims

2. Fall on same level — 15.8% of all claims

3.  Fall to lower level

4. Bodily Reaction — defined as injuries from bending, climbing, reaching, standing, sitting, and slipping or tripping without falling

5. Struck by an object

We remind you, our dear business owners, that one’s life is the most precious thing in the world and it’s a good karma to protect it, not even mentioning that your employees are your valuable assets and time lost from work due to a workers compensation accident may seriously impact your business. If you are interested to get workers compensation insurance quote feel free to complete this simple application and compare instant multiple quotes online in 5 minutes or less.

Whether you are not satisfied with how your policy was rated, claim paid or there were marketing or underwriting issues, and you are lucky resident of the great State of California, consider contacting CDI hotline, which handles the health claims, claims services, and rating and underwriting services. Their number is 800-927-HELP (800-927-4357).

The California Department of Insurance recovered more than $54 million for consumers through consumer complaint investigations and market conduct examinations of insurance companies in 2011. The department’s consumer services and market conduct branch has two divisions. One division focuses on assisting consumers and the other focuses on examinations of insurance companies. The division consists of the field claims bureau and a field rating and underwriting bureau, which perform examinations of insurance company claims, underwriting, rating and marketing practices.

Thanks Lord no-one was injured but six businesses including coffee shop, cigar shop, travel agency, beauty supplies retail and hearing aids office were burned by the fire.

Remember: any material fact concealed from the insurance carrier can result in a claim denial. It’s in your best interest to complete insurance application.

Apply now for Tanning Salon insurance coverage and receive instant multiple quotes online.

1 in every 5 children
are living in poverty.
— The Children’s Defense Fund

Homelessness is a worldwide epidemic. According to the National Alliance to End Homelessness, the nation’s homeless population increased from 2005 to 2009 by approximately 20,000 people. The Children’s Defense Fund reported that 15.5 million children are living in poverty. Mere is an obvious need for homeless shelters to continue providing for the community, and there are steps the organization can take to ensure safety for their occupants.
A homeless shelter has a supply of donated canned goods and food that are provided by the community. In the event of a power outage or onpremises breakdown, the goods may get contaminated due to the shelter’s refrigerating, cooling or humidity control equipment. By adding the Food Spoilage/Contamination Endorsement to their insurance policy, they will be ensuring coverage.
Homeless shelters also have the probability to experience a bed bug infestation. Bed Bugs are often found in areas where people sleep, generally in the creases of mattresses, box springs and bed frames. Bed bugs can easily spread on suitcases, boxes or items moved from residence to residence. Homeless Shelters can reduce their chances by managing what people bring into the shelter, such as book bags , carts, pillows and blankets. It has also been proven that sleeping with the lights on can be an effective deterrent.
When it comes to insuring homeless shelters, there is much more to consider than the physical building and the obvious slip and fall exposure. To find out more about our program, contact us for more information.

LIMITS OF INSURANCE & COVERAGE OPTIONS
General Liability — $1,000,000/$3,000,000
Professional Liability — $1,000,00043,0002000
Abuse & Molestation -$1,000,000/$1,000,000 or $500,000/$12000,000
Coverage options include: package, general and professional liability (Claims made or Occurrence Form, sexual Abuse & Molestation), Endorsement and Enhancements (Includes Volunteers & Independent contractors as insureds, Optional Key Employee Endorsement, Optional Extended Coverage Endorsement with Blanket AcIditional Insured), Umbrella, Property (high limits) and Auto (some restrictions apply, Hired&Non-Owned, 15 Passenger Vans).

Reference:
 Children's Defense Fund.; "The State of America's Children"
 www.childrensdefence.org; 2011
 National Alliance to End Homelessness; 'The State of Homelessness in America, www.endhomelessness.org; 2011
 AFC newsletter 2011