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  Solutions for Today
Through our involvement in the New York New Media Association and The New York Biotechnology Association, J.A.F. Associates has developed the experience and expertise to serve the insurance needs of high-tech and life science firms. Our insurance products are not generic property and liability coverages, but are tailored to the processes that take place in these firms.

  Solutions for Tomorrow 
We are different because of the team of specialists we have assembled, comprised of dedicated underwriters and customer service representatives trained in the fields of computer services and biotechnology. Claims specialists trained in law and professional liability will handle all claims stemming from the unique exposures presented by these firms. Loss Control specialists will conduct on site surveys to help identify hazards that could potentially cause a loss.

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Company News
   Stimulus Funds
Fueled largely by federal stimulus spending, many are predicting a modest upturn for the clean technology industry and maybe even some clean tech IPO's. But don't get too excited: Nobody's talking about a full-recovery. "I think in 2010 you are going to see a lot of people going out there to raise money," says Faysal Sohail, managing director at San Francisco-based ventur firm CMEA Capital. "I still think it's going to be a tough environment to raise a lot of new capital for some companies."     
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   Narcotics: High Cost of Workers Comp Claims
Narcotic drugs account for nearly one quarter of worker's comp prescription costs, according to a new industry study by the National Council on Compensation Insurance (NCCI). Desite the serious risk associated with narcotics use, some physicians prescribe narcotics for minor injuries, such as sprained ankles. This practice, according to the Food and Drug Administration (FDA), can be dangerous.     
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   Motor Vehicle Fleet Management Bulletin
With the cost of gasoline over $4.00 a gallon and diesel reaching $5.00 a gallon what are you doing to lower your operating costs? Have you evaluated your routes and made changes to how your drivers are dispatched? Eliminating backtracking and reducing left hand turns on your routes are some simple solutions.     
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   New York Governor Patterson Signs Law Reversing New York's
Edwards Angell reports that Gov. Paterson has signed the "late notice" prejudice law and it is now effective. This is a big change in New York law and we can expect that there will be litigation very soon to help resolve the question of what qualifies as "material" prejudice such that it would allow an insurer to deny coverage for a claim.     
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   When Is a Flood a Flood?
Exactly what does it take for water damage to be considered a flood in the terminology of the National Flood Insurance Program (NFIP)? The answer might surprise you.     
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