Winterizing Your Home: Prepare and Protect

Winter is snow joke. Snow, sleet, ice... there are plenty of winter perils to prepare for. Follow these simple steps and protect your home from the damage cold weather events can cause:

1.) Energy Efficient Improvements 

The very same steps you need to take to keep your heating costs down can also be viewed as protective for your home's structure and systems. These steps include:

  • Have a professional service provider inspect prepare your A/C, water, fuel, cent and other systems and pipes for the season
  • Consider replacing normal doors and windows with storm-proof products
  • Have your furnace serviced and change your filters
  • Evaluate your home for drafts and leaks. These are most common in attics, crawl spaces and basements

2.) Prevent Flooding - Roof and Drainage Updates

  • Clear all gutters of leaves and debris before the first snowfall. 
  • Remove snow from the roof after heavy accumulation
  • If your roof is sloped, place ice melt products on ice dams for safe, easy removal
  • Make sure drain pipes point away from your home to prevent flooding. Also be sure your irrigation system and lawn have been winterized

3.) Protect Your Plumbing - Prevent Bursts

  • Wrap exposed pipes and plumbing with insulation. Heat tape can be used to protect outside pipes; or those inside the home in non heated areas
  • Keep values and taps open to keep water moving. This prevents freezing and expansion, which causes cracks and damage
  • If the temperature is below freezing, keep your sinks dripping
  • When you leave your home, keep the temperature set warm enough to prevent freezing of any kind

You can read more from the original article here. 

Stay safe and warm this winter season!

Wintertime Risk Management Tips for Your Business

Snow, sleet, ice... oh my! Winter can interrupt your business operations at the drop of a snowflake. Prepare and protect your business from the perils of winter by following these risk management tips:

1.) Winterize - Deter Physical Threats

Some of the biggest risks of the season are frozen pipes and flooding. Be sure that your pipes are insulated and monitored. "Cost Helper, a website that aggregates statistics related to repairs and maintenance, states that a burst pipe can cost in excess of $3,800 if it is located in a wall or the building's foundation, while subsequent water damage can run up to $70,000."

Also, check that your building is protected from flooding. A little flood insurance never hurt anyone, and can be vital in the event of a major event. "The Federal Emergency Management Agency reports that about 40 percent of small businesses never reopen after a flood, as the average claim for one of these events is about $85,000."

2.) Watch the Walkway

Icy sidewalks and parking lots are other major risks to your business. If someone were to slip and fall outside of your building, you can be held liable for their medical bills. Some cities even penalize companies with tickets even if no one falls. Better to be safe than slippery!

3.) Have a Plan B

Make a plan in case a winter storm or other event were to endanger your employees' commute. If travelling becomes unsafe, it is important to have a contingency plan for telecommuting, if possible. If not, be prepared to possibly miss several days of productivity. 

Be sure to have a reliable way to efficiently communicate with your employees in the event of an unfavorable forecast. 

Prepare, be safe and stay warm! 



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    National Flood Insurance Program Extended to January 19th

    On Thursday, December 21, 2017, the U.S. House of Representatives voted to extend the National Flood Insurance Program once more, as part of a continuing resolution to keep the U.S. government open until Jan. 19. This vote was followed by U.S. Senate approval, and will temporarily avoid a government shutdown.

    In response to this decision, SmarterSafer* noted:“Kicking the can down the road is not a viable way to preserve the nation’s broken and bankrupt flood insurance system, especially as countless communities continue to recover from this year’s devastating hurricane season. Although we are pleased that Congress has avoided a lapse in the program, temporary extensions maintain an unsustainable status quo that resulted in a $45 billion taxpayer bailout and inadequate incentives for important mitigation measures. With the NFIP now set to expire on January 19th, we urge lawmakers to use this time to pass much-needed reforms to the NFIP, so the program can better protect lives, property and taxpayer dollars from a future of more frequent and severe storms.”

    The House adopted a bill in November to reauthorize the NFIP for five years, implementing several new forms, but the Senate has yet to vote on it. Currently, the program is about $25 billion in debt.

    To read more, visit the original article here. 

    *SmarterSafer is a a national coalition of taxpayer advocates, environmental groups, insurance interests, housing organizations and mitigation advocates

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    Legislation Updates: Healthcare Alert!

    Pennsylvania Legislation Update:

    House Bill 1553 takes on in-network balance billing. On December 11, 2017 the House Health Committee reported on House Bill 1553. This bill prevents a situation that occurs when a patient goes to an in-network hospital or emergency room wherein the provider subcontracts services such as Emergency Room Physicians, anesthesiology, to a non-network provider. In this scenario, the patients were hit with a large non-network bill.

    House Bill 1553 requires in-network billing for all services of in-network facilities. The bill has the support of 20 republican sponsors and 11 Democrats. Both the majority and minority chairs of the House Health and House Insurance Committees support this bill. 

    This bill will make many Pennsylvanians lives easier when accessing emergency care.

    More to come soon as this passes through the House and Senate!


    National Republican Tax Reform Bill:

    The final tax reform bill, set to be voted on today, includes a repeal of the individual mandate, lifting the penalty imposed on individuals who decide not to buy coverage. 

    What this will do for individuals purchasing health care currently is unclear. 

    The change takes place for 2019. I believe this will be the first step for the GOP to unravel the ACA law that it failed to repeal and replace earlier this year. 


    Daniel M McGill, CIC, CBC   Senior Vice President  Capstone Group

    Daniel M McGill, CIC, CBC

    Senior Vice President

    Capstone Group


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    2017's 10 Most Hazardous Toys

    As last-minute holiday shopping ramps up, the Boston-based nonprofit World Against Toys Causing Harm, Inc. (W.A.T.C.H.) has released its annual list of the 10 worst toys of 2017, informing shoppers of this year’s most potentially hazardous toys.

    W.A.T.C.H. says consumers are expected to spend 51% of their holiday budget online. This year’s report highlighted retail store purchases and also took close look at the impact of online purchasing when it comes to toy safety.

    According to the Consumer Product Safety Commission (CPSC), in 2015 there were over 254,200 toy-related injuries, and between 2010 and 2015, 72 children died in toy-related incidents.

    W.A.T.C.H. says consumers buying toys on the Internet are already at a disadvantage, as they are unable to touch and physically inspect a toy and its packaging at the time of sale for more obvious hazards. In some cases, limited product information on e-commerce sites can lead to misinformed, and potentially dangerous, consumer toy purchases.

    The organization's annual list provides highlighted information about the products' warning labels, specified hazards, manufacturers and sellers. 

    Click here to view W.A.T.C.H's list of 2017's most hazardous toys...

    Source: Property & Casualty 360


    Message from Aetna CEO on Proposed CVS Deal

    This week, CVS Health announced that they have agreed to buy Aetna for an estimated $69 billion in a deal that would combine one of the largest drugstore chains with one of the largest health insurers in the United States. The joining of these two healthcare giants has the potential to drastically change how consumers access and utilize care. 

    In an effort to keep our clients informed, we wanted to share the letter we received from Aetna's CEO, Mark Bertolini, regarding the transaction. As of now, the deal is set to close in the second half of 2018. Our Benefits & Compliance Teams will continue to monitor the situation and provide our clients with updates as they materializeOur Benefits & Compliance Team will continue to monitor the situation and provide updates as they come in. 

    If you have any questions on how this deal may impact you or your employees, please feel free to contact our Benefits Team at 


    10 Notable Cyber Incidents Involving Retailers

    Our partners at Advisen, Ltd. put together a list of data breaches that have cost retailers hundreds of millions of dollars. With the holiday season approaching, it's more important now than ever for retailers to take the necessary precautions to protect customer information and have the insurances to help sustain their business in the event of a large scale breach. 

    Homeowner Hacks: Prevent Damage to Prevent Claims

    Did you know that 1 in 15 insured homes will experience a property damage claim this year? Protect your home by following these 7 easy steps:

    1. Use smoke detectors - and don't forget to change the batteries!
    2. Clean dryer vents - not only will it make your clothes less linty, but failure to do so can be a fire hazard.
    3. Monitor appliances while in use - don't wander too far away while your toast is toasting!
    4. Annually review your insurance coverage - your agent will be happy to help, and it is important to check for any possible gaps. 
    5. Use a home security system - it will even get you a discount on your insurance! Other security options can be as simple as installing deadbolt locks to prevent break-ins. 
    6. Remove snow from your roof - by clearing the edges of your roof, you prevent snow from melting and then refreezing to block drains, causing seepage into your home. 
    7. Use water leak sensors - these little gadgets sound an alarm when they detect water, making it easy to detect a problem before it causes widespread damage. 

    Hack your home today!

    Read more at the original article on CNBC here. 

    Hard times & Hardened Prices - The Aftermath of Natural Disasters

    In the aftermath of the recent natural disasters, the insurance industry is facing monumental losses. Between hurricanes Harvey, Irma, Maria and recent earthquakes in Mexico, the expected losses total in the ballpark of $100 billion. According to industry executive Jonathan Reiss, group chief financial officer at Hamilton Insurance Group, insurance prices will need to harden in order to mitigate the damage. 

    “There’s no question that rates are going to harden in some lines of business,” Reiss said during a speech at InsuranceERM’s Insurance Risk & Capital Conference. “Terms and conditions are going to tighten. You can call it what you will – a market turn, a hardening.”

    Reiss says that the prolonged period or low-to-no interest rates and minimal natural disasters had previously kept prices low, not permitting much cushion for catastrophe. Combine this trend with the high frequency, high cost nature of the emerging hazards related to cybersecurity and climate change, and you have a recipe for disaster. As Reiss puts it, "This market cycle is forcing our industry to face some inconvenient truths."

    Read the original article by Ryan Smith for Insurance Business Magazine, here

    Photo source here

    Trump Halts Cost-Sharing Reductions

    On Thursday, October 12, 2017, the White House indicated that President Trump will end ACA cost-sharing reduction (“CSR”) payments to insurance companies effective immediately. This was followed up by a White House statement indicating that the payments had lacked appropriations and therefore the government could not lawfully continue making them. While the impact to insurance companies and individuals who obtain subsidized coverage in the Marketplace is expected to be significant, the direct impact to employers and employer sponsored health plans is expected to be minimal.

    Implications for Employers

    The direct impact of this decision is minimal. Applicable large employers (“ALE”) - those with 50 or more full time equivalent employees - are subject to ACA employer shared responsibility “A” or “B” penalties for failure to offer affordable and/or minimal value coverage to fulltime employees, if one or more of those employees obtain a subsidy or CSR in the exchange.

    Even if CSRs are eliminated, since a prerequisite to an individual obtaining a CSR subsidy is to qualify for a premium reduction subsidy, there should be no change to an ALE’s “A” or “B” penalty exposure since premium reduction subsidies are not impacted by this White House decision.

    Further, since an ALE must make an offer of affordable and minimum value coverage in order to avoid “A” or “B” penalties, we do not anticipate a significant increase in employees forgoing coverage in the Marketplace and enrolling in employer sponsored plans (since those individuals would generally have been ineligible for Marketplace subsidies due to the employer’s offer of affordable and MV coverage in the first place).

    Additionally, if carriers exit the Marketplace or otherwise cancel plans in light of this change in policy, employers may see an increase in requests for special enrollment in their group health plans due to the loss of eligibility for Marketplace coverage.

    The indirect implications are less clear. Stopping CSR payment will make individual insurance more expensive in the Marketplace. This may lead to carriers dropping out of the Marketplace, or if they remain, pricing plans beyond the reach of those individuals who previously benefited from CSR payments. This will likely result in an increase in the uninsured population. All payers in the health care system are affected by higher costs when there is a high uninsured population receiving uncompensated care.


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    New Executive Order and Insight on the Employer Mandate

    President Trump signed an Executive Order (“EO”) on October 12, 2017, directing various federal agencies to take regulatory action that will “increase health care choices for millions of Americans.”

    Employers should:

    • Be aware that we are likely to see new regulations addressing AHPs, HRAs, and STLDIs in the coming months. While changes to existing AHP and HRA rules are unlikely to affect 2018 plan years, such guidance may create challenges for 2019 and beyond.
    • As the Administration signaled its intent to enforce the Employer Mandate: • Plan for compliance with the 2017 ACA reporting. The final Form 1094-C, Form 1095-C and Instructions are available.
    • Prepare to address any notices issued by the IRS regarding Employer Mandate assessments for the 2015 and 2016 calendar year.

    Read More:

    Tune In to Health Care: Exclusive Webinar

    The Capstone Group's employee benefits team invites you to tune in to an exclusive webinar presented by Keystone Insurers Group and the National Association of Health Underwriters (NAHU).

    The webinar will take place on Oct. 2nd   2PM - 4PM EDT, and will feature NAHU Vice President of Government Affairs Marcy M. Buckner. Marcy will break down the future of the ACA and health insurance politics and policy, including recent legislative and regulatory actions by Congress and the Trump Administration.

    More specifically, the session will examine the legislative actions that have been taken so far and why, political barriers and their significance, the role of the NAHU and the agent/broker community, and what we can expect for the future of healthcare and employee benefits. 

    Don't miss this opportunity to stay informed.

    Register today at:

    Upon registration, you will be asked for your Organization Name. If none, list "Keystone."



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    FEMA Could Run Out of Money by Friday

    They say lightning doesn't strike twice, but what happens when hurricanes do? With the U.S. still dealing with the devastating effects of Hurricane Harvey on Texas, and Irma right around the corner on its way to Florida, a Senate aide has disclosed that the Federal Emergency Management Agency is expected to run out of money by Friday unless more funding is approved by Congress.

    "As of 10 a.m. Tuesday morning, FEMA’s Disaster Relief Fund, which pays for the agency’s disaster response and recovery activity, had just $1.01 billion on hand. And of that, just $541 million was “immediately available” for response and recovery efforts related to Hurricane Harvey, according to a spokeswoman for FEMA who asked not to be identified by name."

    At this rate, funding will run out by the time Irma hits Florida, and as a category 5 hurricane, it is expected to do significant damage. Nearly $8 billion has been requested in additional funding, awaiting approval from Congress. 

    "The House is voting Wednesday on funding for Harvey. The Senate, which is expected to act this week as well, is considering whether to add a suspension of the federal debt limit to the measure. The legislation would then go back to the House."

    For now, spending has been restricted to "lifesaving, life-sustaining efforts for Harvey and Irma." But more money will be needed, and very soon. And the most troublesome of all? It isn't even peak hurricane season yet.

    To read more, check out the original article, written by Christopher Flavelle and Erik Wasson here.

    Photo from ABC, Inc.:

    DOL Sues Macy's Inc. Health and Welfare Plan

    Alleging SPD and Wellness Program Failures

    On August 16, 2017, the Department of Labor (“DOL”) filed a lawsuit against Macy’s Inc. Health and Welfare plan (and its third party administrators) under ERISA Title I.

    Specifically, the complaint alleges:

    • The health plan and its fiduciaries failed to follow the written terms of the health plan’s Summary Plan Description (SPD) when reimbursing out-of-network claims; and

    • The wellness program that includes a tobacco surcharge violated the HIPAA wellness program rules.

    The complaint alleges breach of fiduciary duty and asks, in part, for readjudication of all out-of-network claims administered outside plan terms and for restitution of all the tobacco surcharges imposed.

    Failure to Amend SPDs

    According to the DOL’s complaint, Macy’s changed the reimbursement threshold for out-of-pocket claims from “the lesser of the provider’s normal charge for a similar service or supply or between 75%-80% of usual and customary charges” to the Medicare Allowable Rate when it is less than the provider’s normal charge for a similar service or supply. Allegedly, the SPD was not amended to include language describing that the reimbursement for out-ofnetwork claims would be the Medicare Allowable Rate when less than provider’s normal charge. Additionally, the health plan participants were not provided a copy of any summary of material modification reflecting the change in reimbursement.

    To learn more, check out the rest of the article at


    Employer Penalty Update

    Have you been keeping up with Capstone Compliance? Check out our recent update on the Employer Penalty.

    Applicable large employers (“ALEs”) may be resting easy, having had no notification from the IRS of 2015 or 2016 assessments under the Employer Shared Responsibility Provisions (the Employer Penalty) and having reasonably expected that the Republican-led administration would limit or choose not to enforce this mandate.

    However, the recent failure in the Senate to pass legislation to repeal and replace the Affordable Care Act (“ACA”) has left many employers wondering whether:

    • Penalties associated with the Employer Penalty will be enforced; and
    • Forms 1094-C and 1095-C will be required going forward

    Recently, the IRS published draft versions of the 2017 Forms 1094-C ( and 1095-C ( These versions are substantially similar to past Forms. Notably though, the Form 1094-C has reserved areas once used to reflect available transition relief (Line 22 Certifications of Eligibility, Boxes “B” and “C”). Final versions of the Forms are expected in the fall. Draft instructions for the 2017 Forms have not yet been released.

    To date there has been no guidance issued by the IRS that eliminates penalties for Employer Penalty violations or fines associated with failures to accurately complete, provide and/ or file Forms 1094-C and 1095-C. While some employers may think a Trump-led IRS will ignore these requirements, absent non-enforcement guidance from the agency, employers should continue to comply.

    To read the full article, check out the Capstone Compliance website at


    Not Even Dragons Can Ward Off Cyber Attacks: HBO Hacked

    This week, HBO received a video letter from hackers threatening to release confidential internal documents, including emails and Game of Thrones materials such as scripts, the cast's personal information and even alleged possession of unreleased episodes. The hackers demand a ransom of several million dollars in bitcoin to prevent further release of the stolen data. 

    The hack is akin to the crack of Sony's network in 2014, leaking "thousands of embarrassing emails and released personal information, including salaries and social security numbers, of nearly 50,000 current and former Sony employees." Though the chaos inflicted to HBO falls short of this breach, though the risk of the information leaking would impose a large liability for the network. In its efforts to prevent further leaks, HBO has enlisted "round the clock outside cybersecurity firms and law enforcement resolve the incident," to prevent further breach and the public release of this stolen information. 

    Cybersecurity is an evermore important subject. From small businesses to large TV networks, the risk of a data breach is stronger than ever and it is important to take cautionary measures when handling sensitive data (especially when it may contain details on the latest conquests of Queen Daenerys and the King in the North). 

    "The global cyber market is estimated to be worth $3 billion to $3.5 billion, according to Lloyd’s. PricewaterhouseCoopers, on the other hand, forecasts a potential value of $7.5 billion by 2020."

    You can read more about the hack of HBO's network here and here. (No spoilers on the show, we promise.)

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    Bon Voyage! Travel Safe with These Important Tips

    “The first thing is to understand who’s in charge of your security when you travel; you are,” said Wesley Odom, president of the Ackermann Group LLC, a security and investigative firm. “You can’t deny that you’re at risk — all you can do is mitigate it.”

    Mitigating that risk can be anything from monitoring travel warnings through the Department of State Website (which you can check out here.) to purchasing insurance to protect yourself and your belongings. While on your trip, it is important to keep in mind four basic tips:

    Street Smarts

    • Dress down and blend in; avoid wearing expensive jewelry and flashing your cell phone. 

    Airport Safety

    • "Spend as little time as possible in the public areas of the airport like check-in and baggage claim.” The gate area is actually more secure than the public areas because everyone has passed through security at that point. When arriving overseas, be cautious with how much information is shared with immigration and customs agents. Additionally, a prearranged driver is the safest way to go, but when travelling on the fly, make sure to use a legitimate, registered taxi. 

    Hotel Room Security

    • Once in the room, check all of the locks, chains and u-bars. Make sure that the hotel room phone works in case of an emergency, and review the escape route from the room in the event of a fire. Use the in-room safes with caution. For more valuable, important items consider using the hotel's safe deposit boxes.

    Traveling Around Town

    • “Always walk with purpose,” he advised, “and act like this is your town. Don’t put anything in your pockets you don’t want to lose, and don’t display any wealth.” Stay in well-traveled area and consider using money belts or hidden pockets to protect your money, credit cards and phone. 
    • Should any unrest or political stability occur, stay in your hotel and call your family and the American Embassy in that city or country to let them know where you are. 

    The biggest tip: keeping a low profile. “The risk of kidnapping for ransom is not high for most travelers,” he explained, “it is usually higher for ex-patriots who are living abroad. Your anonymity is your best protection, so keep a low profile when you travel.

    Don't let any of these tips discourage you: travel is generally safe for anywhere that is not a war zone. Using common sense and taking basic steps to secure your belongings goes a long way toward having a safe, and fun, vacation. 


    To read more, check out the original article here. 

    The Catastrophic Costs of Cyber Attacks

    Research by Lloyd's of London has revealed has revealed that a catastrophic cyber attack could cost up to $120 Billion--equivalent to disasters Hurricanes Katrina and Sandy. The report compares various scenarios of cyber attacks, with average economic losses at a wide range. The report states: "Because of the uncertainty around aggregating cyber losses, this figure could be as high as $121 billion or as low as $15 billion." 

    With such high potential losses and an economy dependent on digitization, ensuring cyber protection and security is of utmost importance.

    Inga Beale, CEO of Lloyd's, says, "This report gives a real sense of the scale of damage a cyber-attack could cause the global economy. Just like some of the worst natural catastrophes, cyber events can cause a severe impact on businesses and economies, trigger multiple claims and dramatically increase insurers’ claims costs."

    To read more, click here or here.

    What the Senate Health Care Bill means for Medicaid

    Among the many changes the Senate Health Care Bill would make to our health care system, the bill plans to make large cuts to Medicaid: $772 Billion in cuts to be exact. This figure will also cut approximately 15 million people from receiving Medicaid benefits by the year 2026. 

    Here are the four main provisions that will affect Medicaid benefits:

    1. Work Requirements

    "States would be allowed to require Medicaid enrollees to have a job, look for work or participate in some kind of job training." This requirement grants exceptions for pregnant women, children, elderly, disabled, and adults caring for young children. 

    2. Retroactive Eligibility

    Previously, under Obamacare, once an individual were approved for Medicaid benefits, the previous 3 months of medical care would be reimbursed. This new bill would only allow for reimbursement for the calendar month in which they enrolled in Medicare. Considering how expensive hospitalization and other care can be, this had been a very important provision, especially for those with sudden onset disabilities. 

    3. Presumptive Eligibility

    Previously, certain health care providers were able to 'presume' Medicaid coverage and enroll individuals immediately; such as when being treated at a hospital. This prevented gaps of coverage and relieved stress of medical debt for patients while still allowing a secondary check on eligibility. 

    4. Eligibility Re-determinations

    Currently, eligibility is rechecked every year. The new bill will change the period of eligibility to 6 months. "This has a couple of consequences. First, it could more rapidly end the generous federal funding for Obamacare's Medicaid expansion; under the Senate plan, states lose that enhanced funding if a person cycles off the program for more than a month. More frequent eligibility checks are likely to lead to more people cycling on and off of Medicaid."

    Additionally, "it risks more disruptions in a person's health coverage and a lapse in coverage if there is a paperwork problem."

    You can read more about how the bill will affect Medicaid coverage from the original article here.

    Insuring Ride Sharing

    Ridesharing has completely changed the transportation industry. In just a few short years, companies like Uber and Lyft have developed ridesharing into a multi billion dollar industry. With such popularity of these businesses, insurers are facing the unprecedented challenge of providing appropriate coverage to both drivers and passengers.

    If you are a driver, your regular auto policy most likely will not cover you for ridesharing activities, which could leave you, and your passengers, unprotected or underinsured in the event of an accident. In fact, most personal auto policies specifically exclude using the vehicle commercially as a ride service. 

    Developing appropriate coverage is tricky, because there is no way to determine when the car is being used personally vs. as a rideshare vs. in storage. Generally, coverage can be determined based on the average commute of the owner/primary operator and where they live or operate the vehicle; but when transporting passengers a vehicle can be driving any matter of distance, crossing city or even state lines.

    Mark Maucere, senior vice president for AmWins Transportation Underwriters, Inc., says, “Our rate [for transportation classes] is based on a point A to point B mechanism, and the problem with these operations is we don’t know when the car is out or in the garage, we don’t know the experience of the driver, car maintenance or in what other ways it is used.”

    Companies are searching for a solution, but since the business is so new, there is very little information to use in the underwriting, rate development process. Maucere says: “There is an opportunity here, and we would be interested in potentially looking at these classes of business if we could properly underwrite and put the rate around it...But it’s very difficult until you can grab that data and verify some of the things we can’t verify now.”

    Most ride sharing companies provide some form of coverage for drivers. Excess and surplus lines insurer James River currently provides coverage for Uber. The policy has three main parts: 

    1. the "Core"--contingent on the driver having his/her own private passenger auto policy; has a $1 million limit that drops down and covers the driver from when he/she is picking up a passenger all the way until the passenger is delivered to the destination. 

    2. a lower limit applies when the driver is waiting for a new rider.

    3. separate coverage for physical damage to the driver's vehicle occurring while performing ridesharing duties.

    For now, insurance is expected to follow this model and remain a surplus lines risk, as it gives flexibility until more accurate data can be collected to establish other provider options.

    To read more, check out the original article HERE.