Excluded Peril Definition
This provision is designed to avoid coverage duplication in other policies; and to list exposures that will not be part of a specific policy, such as coverage of property in an insured's "care, custody, or control" or liability exposures that arise in contractual obligations between the insured's business and another party. Each policy has a number of excluded perils, which can be either be purchased through endorsements or separate policies, or through government programs (such as NFIP for Flood insurance), or require other means of protection because the premiums may be prohibitive for inclusion.
UPAC Premium Finance (UPAC®) has announced the opening of the first phase of their new home office facilities. After months of design, planning and preparation, UPAC has moved into their new high-tech, ergonomically designed, open communication facility. The move marked the completion of the first of a multi-phase project designed to provide UPAC with the tools necessary to demonstrate their culture and take their client services to the next level.
As you enter the office area, you are immediately struck by the openness and the park-like atriums complete with flora, fauna and skylights. There are windows everywhere, walls nowhere, multiple ceiling levels, vivid colors, the absence of background noise, custom work areas and more. However, there is something so different about the design and it takes a couple of moments before you can put your finger on it - there are NO offices. All associates have identical executive work areas… everyone… including the president! And what is even more astounding is their commitment to empowerment and open communication. You will find no designated departmental areas or specialized seating arrangements. On the contrary, the seating is random and open communication among the associates is practiced and encouraged.
As you explore each of the “pathways” that lead you from one area to the next, you discover innovation after innovation. There are free-flow workstations complete with fully adjustable work surfaces that allow you to sit or stand and even work on your own personal marker board… special lighting systems that aid in your ability to see your computer screens… hidden wiring… chairs with more adjustments than a radio dial and the list goes on. What is truly amazing about UPACs new facility is the fact that it is not a new building but rather an innovative finish out of an existing office park “white-box” space.
Maryland Auto Insurance
“The design process began with an extensive exploration and discovery process that involved a number of our associates. This was done to ensure that no stone was left unturned as we addressed the needs of our clients and brought new focus to our company values. Armed with a vision of the future where ‘people are interacting for a common purpose, we left hierarchy behind and discarded the typical concepts of the 1950s ‘offices with a desk and the ‘cubicles that were so popular in the 1980s,” said Kurt Huffman, UPACs President and CEO. “Our new space takes interior workplace design to a new level and we are very excited about what we have been able to accomplish.”
Business Insurance Massachusetts“I am also very proud of our associates for being open-minded and willing to embrace a rather radical concept,” Huffman added. “I was truly amazed when they completely relocated our home office operations over a period of just one weekend. Special kudos should also go to our technology team. During that same period, they moved all our high-technology systems, phones and equipment with zero impact to our clients. We really have an awesome group of people.”
Auto Repair InsuranceFounded in 1954, UPAC is based in suburban Kansas City and was recognized as one of Kansas Citys Top 10 Small Businesses of the Year in 2004 and 2005.