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Certificate Tracking Services

Certificate-Tracking-ServiceReal estate firms routinely wrestle with the issue of accurately accessing their risk exposure generated by their core business activities and contractual obligations. These contractual obligations are often complex and require the ability to:

  • Quickly and accurately provide and verify evidence of insurance from tenants, property management, vendors and suppliers
  • Demonstrate expertise in the area of contract compliance, verifying coverage types, coverage limits, coverage effective dates and additional insured status, including endorsement review
  • Secure compliance from tenants and third party vendors or implement alternatives to force place coverage or deny payment for services
  • Communicate status of all interested parties: risk management, property manager, legal, etc.

W.A. GEORGE CERTIFICATE TRACKING OFFERS A SOLUTION

Real Estate clients that contract W.A. George for assistance with their compliance needs can rely upon
Service certificate of insurance tracking solutions leveraging state–of-the-art web-based software and comprehensive business services to:

  • Automate and centralize the administration of the third-party insurance compliance for our clients by managing their COIs
  • Evaluate certificates based on contract requirements
  • Review additional insured endorsements where required
  • Monitor compliance, including follow-up for non-compliant vendors
  • Request renewal certificates prior to expiration
  • Generate compliancy status reports
  • Document history of certificate status and review process
  • Store insurance documents electronically for easy retrieval by client

FAST AND ACCURATE ASSESSMENTS

The W. A. George certificate tracking center provides an efficient way to companies to manage risk from sub-contractors, vendors and suppliers.

W. A. George delivers quality control and service standards that can improve operational performance in the following areas:

  • Accounts payable/receivable functions
  • Accuracy in the verification of sub-contractors, vendors and suppliers required insurance protection
  • Compliance to internal quality control standards with documented certificate status, review process and correspondence

REDUCES WORKLOAD

W.A. GEORGE provide 72-hour turnaround for transcription and compliance reviews

  • On-demand reports
  • Protected, customer-owned data
  • Initial requests for evidence of insurance
  • Notifying non-compliant parties, clearly communicating insurance deficiencies and setting compliance deadlines

WHY W.A. GEORGE?

  • Insurance expertise
  • Experience with tracking
  • Accuracy
  • Consistent delivery
  • Highest level of customer service

Hotel & Motel Insurance

Hotel & Motel InsuranceYou’re all about anticipating needs and exceeding expectations of service which is why W.A. George Insurance Agency has a comprehensive insurance program for innkeepers that even includes liability coverage for guest’s property at no additional charge.  

It’s a small detail that can make a big difference to the success of a business like yours. Through our long-standing industry expertise and consistent emerging needs, we’ve earned excellent marks throughout the industry Welcome to W.A. George Insurance Agency.

Enjoy your stay.

W. A. George provides insurance for Hotel & Motel owners with the following coverage options:

Types of Coverage                                          Limit per Occurrence

  • Broad form general liability
  • Building glass covered without sub-limit

Newly acquired buildings…………………………………………$500,000
Newly acquired personal property……………………………….$100,000
Ordinance or law (RC only)……………………………………......$50,000

  • Tenants improvements and betterments included

Water damage backup of interior sewers/drains…………….......$25,000
Debris removal additional coverage……………………………….$25,000
Personal property off premises…………………………………….$25,000
Personal effects……………………………………………………...$10,000
Electronic data………………………………………………………$100,000

  • Data breach advisory services

Off-premises sign coverage………………………………………….$5,000
Loss of business income (covered causes of loss)……………12 months
-Loss due to action by civil authority……………………………….4 weeks
-Loss due to contamination (or contamination threat)……………3 weeks
-Loss due to dependent properties…………………………………3 weeks
-Loss due to violent acts…………………………………………….3 weeks

  • Loss due to service interruption
  • No distance limitation
  • All covered causes of loss, including equipment breakdown
  • Transmission lines are included

Extended business interruption: recovery period…………………60 days
Customer expense reimbursement………………………………..2 weeks

Equipment breakdown:
-Data restoration……………………………………………………..$100,000

  • Computers at personal property limit
  • No coinsurance penalty
  • Fire extinguishing equipment recharge
  • Liquor liability

 

 

 

Non-Profit Insurance

non profit charity insuranceNew and existing non-profits need robust insurance coverage like any other business. Organizations that need this type of insurance are:

  • mental health organizations
  • substance abuse rehabilitation facilities
  • medical equipment dealers
  • homeless/battered shelters
  • youth services and more...

Not for profits have all the needs of corporations but it's even more important to cover their employees with workers comp, health & dental as well as life insurance.

Non-profits have unique insurance needs as well. Director and officer insurance would be an example of coverage exclusive to nonprofits and charities.

Contact W.A. George Insurance today beacuse they understand what non-profit organizations & charities insurance needs are.

W. A. George provides insurance for non-profit organizations and charities with the following coverage options:

Types of Coverage             Limit per Occurrence

The policy coverages are:

Propery liability                                   Available
Automobile coverage                         Available
General liability                                 $2,000,000

Products liability                                $2,000,000

Personal & advertising injury            $1,000,000

Each occurrence                               $1,000,000

Crime                                                  Available

Umbrella                                             Available

Directors & officers                             Available

Professional liability                            Available

Employment practices                        Available

Cyber liability                                      Available

Employee benefits liability                  Available

 

W.A. George provides Non-Profit Insurance coverage to the following organizations:

Adult Services

Adult & Family Services

  • GED Programs
  • Job Training Programs
  • Vo-Tech Facilities
  • Community Education Facilities

Counseling Services

  • Family Counseling
  • Homeless Prevention
  • Financial & Mortgage Counseling
  • Domestic Abuse Services
  • Rape Crisis Facilities
  •  Crisis Intervention & Family Assistance  Programs

Senior Services

  • Hospice
  • Senior Citizen Centers
  • Meals on Wheels
  • Home Care Assistance
  • Councils on Aging
  • Adult Education, Wellness & Physical Fitness

Community Service, Involvement & Improvement Organizations

  • Junior League, National Charity League, Junior Auxiliaries, Others
  • Volunteer Organizations
  • Beautification & Horticultural Programs, Botanic Gardens 
  • Local Unaffiliated Organizations

Foundations

  • Fund Raising Organizations
  • United Way & Similar Organizations

 Pregnancy Help Centers

  • Education Outreach for Young Men & Women
  • Education & Distribution of Birth Control Methods
  • Pregnancy Testing
  • Referrals/Counseling for Pregnancy & Related Complications
  • Health Assessments, Including Medical History
  • Urine Tests
  • Ultrasound to confirm Pregnancy

Special Needs

Handicapped/ARC/MRDD/Group Homes

  • Sheltered Workshops
  • Work Activities
  • Supported Living Respite Care
  • Job or Vocational Training

Residential Treatment Centers/Group Homes

  • Treatment Foster Care
  • Therapeutic Foster Care
  • Foster Family Based Treatment
  • Emotionally Disturbed Children/Adolescents
  • Autistic, Down Syndrome, Asperger Syndrome, Rett Syndrome, Cerebral Palsy
  • Mentally Retarded/Developmentally Disabled Individuals

Community Action Agencies

Community Centers

  • Information/Education/Referral Offices
  • Food Banks/Commodity Distribution
  • Thrift Stores
  • Weatherization Programs
  • Battered Women’s Shelters
  • Rape Crisis
  • Halfway Houses
  • Homeless Shelters
  • Goodwill, Volunteers of America
  • Transportation – Transportation Service to Low Income & Elderly Population 

Trade Contractor Insurance

contractor-insuranceW. A. George has construction industry insights regarding innovative products and services to help commercial trade contractors address their unique exposures.

  • Concrete Contractors
  • Carpentry Contractors
  • Electrical Contractors
  • HVAC Contractors
  • Plumbing Contractors

W. A. George we can help you manage and mitigate risks such as workforce injuries, quality assurance and quality control and fleet management.

General liability insurance

  • General liability gives your construction business and your employees security. With this coverage, you can carry out daily work knowing you and your employees are protected from uncertainty. General liability protects your business against claims brought against the company as a whole, as well as claims brought against individual employed by the Company.

  • For a contractor or construction worker, general liability insurance offers peace of mind that their contracting or construction business will have the necessary funds to continue daily operations-even when faced with a costly claim.

Covers the legal fees that can easily bankrupt a small contracting or construction business such cost as attorney fees, witness fees, court expense and more. After a lawsuit, GENERAL LIABILITY FOR CONSTRUCTION WORKERS AND CONTRACTORS can be the difference between never opening the business doors again and weathering the storm still on your feet.

Added Value Contractor’s Faulty Workmanship Coverage

Contractor’s Faulty Workmanship Coverage is a unique endorsement offered by W.A. George Insurance Agency Contractor’s General Liability programs. It provides a $10,000 limit to protect our clients against arising out of faulty workmanship, materials or products. These claims would otherwise be excluded by exclusions, J (Damage to Property), K (Damage to Product) and L (Damage to Your Work), found in other contractor general liability policies.  Obtain coverage for such claims by insuring with W.A. George Insurance Agency.

Actual Covered Claims Examples

99215 Driveway, Parking Area or Sidewalk

A driveway/sidewalk paving contractor was hired to cover a parking lot with asphalt. Two months after the installation of the parking lot, the client alleged that the original installation was not sticking, and it appeared that the surface was crumbling. The unsatisfied client filed a claim. Although the claim would have been denied under the ISO general liability “business risk” exclusion, the insured had the Faulty Workmanship endorsement as part of his policy. The endorsement provided $10,000 for the claim.

94569 Floor Covering Installation

A floor covering and tile/stone installation contractor was hired to install carpet in a residence. A claim was filed alleging the carpet installation was poorly done. The customer claimed there were multiple seam issues, the Berber was not lined up and the carpet frayed at all transitions. The insured was billed and paid $2,247.11 for the removal and replacement of the carpet. Because the contractor’s W.A. George policy had the Faulty Workmanship endorsement, the carrier reimbursed the insured.

92478 Electrical – Within Buildings

Keith, a licensed electrical contractor, was hired to install security cameras. The cameras were installed incorrectly. Water got into the cameras causing damage. The contractor’s Faulty Workmanship endorsement paid $10,000 for the damages caused by the fault/installation. If the contractor did not have the Faulty Workmanship endorsement, he would have been
responsible for the entire $10,000 in damages.

Day Care Center Insurance

day-care-insuranceW. A. George has programs designed to entertain both profit and non-profit operations providing early childhood education including corporate childcare centers. The program include general liability, professional liability, property, automobile, student accident, abuse umbrella.

Day Care Insurance Plan Details

Property coverage
Business income on an ALS basis
Ordinance or law
Money & securities
Employee theft
Equipment breakdown
 
General liability coverage
Automatic additional insured status
Corporal punishment
Medical payments for children available
Teachers professional liability
Separate abuse limits

Day Care Check List

Use the following list to ensure your day care adheres to basic safety guidelines

  1. Check the lighting in your center
  2. Floor clutter/cleanliness
  3. All cords are out of reach of children
  4. Hot water temperature limited (not too hot)
  5. Electric outlets are plugged
  6. Make staff aware of finger pinch hazards
  7. Windows tempered shatter proof glass
  8. Furniture secured from tipping
  9. Childproof cabinet doors
  10. Bathroom monitoring policies in place
  11. Attics adequate ventilation to prevent heat buildup
  12. Adequate insulation to prevent freezing pipes
  13. No bare wires/no loose sockets
  14. Exits are clearly marked
  15. Emergency phone numbers posted by phones
  16. Chemicals and cleaning products stored away from food and/or food related items
  17. Local fire codes are followed
  18. Carpets are in good repair

Financial Insurance