sequoia insurance company workers' compensation phone number

What to expect from your people platform? AmTrust International Underwriters Designated Activity Company; Associated Industries Insurance Company, Inc.; Milford Casualty Insurance Company (f/k/a Milwaukee Casualty Insurance Co); Southern County Mutual Insurance Company; Milford Casualty Insurance Company(f/k/a Milwaukee Casualty Insurance Co). In most states, workers compensation insurance, a compulsory requirement for employers, is purchased in the private insurance market. Business operating in Washington must obtain a business license from the L&I and create an account. If an injured employee does not wish to file a workers' compensation claim, . The Benchmark team is ready to build a relationship and develop a beneficial partnership with you. 0D73795. Fax: 952-542-5381, 2023 Benchmark Insurance Company | All Rights Reserved. A subsidiary of Trean Insurance Group Inc. The work sites will submit the completed workers compensation packet to the District Office. We have a strong heritage serving the needs of high tech companies in the Silicon Valley and the experts who know how to help your business thrive. In Ohio, businesses that employ one or more workers must purchase workers compensation insurance from their state fund, the Ohio Bureau of Workers Compensation (BWC). We also use third-party cookies that help us analyze and understand how you use this website. This information and any questions relating to your particular circumstances should be discussed with your legal and/or tax advisor, as we do not provide legal or tax advice. Employers are classified using the NCCI classification system and all employers meeting certain qualifications are entered into the states experience rating plan. San Mateo, CA 94404 Insurance Claim Address and Phone Number (A to Z, POS 22 Definition in Medical Billing(2023), List of Revenue Codes for Medical Billing (2023), ACCIDENT FUND INSURANCE COMPANY OF AMERICA, 436 Walnut Street Philadelphia, PA 19106 United States, ACE PROPERTY AND CASUALTY INSURANCE COMPANY, 2600 N Central Expy, Suite 800 Richardson, TX 75080, ADVANTAGE WORKERS COMPENSATION INSURANCE COMPANY, 100 W Towne Ridge Pkwy Ste 110 Sandy, UT 84070-5530, AIG-Group Benefits P.O. We provide services to: Our company is designed to help organizations like yours expand their business into other lines, larger geographic areas, and on A rated paper. Thank You! All licensed insurance services are provided exclusively by Sequoia Benefits and Insurance Services, LLC (California Insurance License No. We will try to keep it updated and correct. But according to our policy data, most of our customers with less than $300,000 in payroll pay an average of $70 a month. Sequoia offers an expert compliance team to help educate your team, simplify administration, and streamline your obligations. Well make sure you have visibility into your people costs with comprehensive, easy-to-use reports and a single source of information for HR- and payroll-related data. In order to meet the needs of our diverse client base, we utilize a product platform that allows us to access virtually any company that has a brokerage (independent) distribution network. Mary Beth Downs is a Senior Risk Advisor at a real estate and casualty consulting firm, helping our clients protect their assets, develop the market and manage risk. It is mandatory to procure user consent prior to running these cookies on your website. Self-insurance is not allowed but there is an option for a large deductible plan. This might sound silly for a fully remote company where everyone is working from home on their computers, but it's the law. Self-insurance is not allowed, but there is a high-deductible plan option. 3 Of course, this is for customers with The Hartford. Maria Small As the firms Client Services Consultant, she helps our clients provide property and casualty advisory services to protect their assets, grow the market and manage risk. Contact Us; Sitemap; State of Nevada Links; Consumers; Health Insurance Rates; Healthcare Reform; Licensing; Insurers; Captive Insurers; News & Notices; SEQUOIA INSURANCE COMPANY. Please note that this information is subject to change due to changes in legislation. The DWS is responsible for assigning each employer the appropriate classification. Below is what you need to know about each state and its public fund. Save my name, email, and website in this browser for the next time I comment. Learn More Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. To encourage employers to focus on safety, efficiency, cost control and return-to-work, the BWC also offers discount plans. Certain insurance products offered though Sequoia Financial Insurance Agency, LLC. To check the background of a registered professional click here. Box 2450- LC 1332 Grand Rapids, MI 49501-2450, P.O. January 13, 2021 by Maria Small in Risk Management. If you are wondering how this will affect your workers compensation policy, please contact your HRX risk advisor. As you can imagine, during the pandemic, many of these claims never materialized, and now you have carriers writing large checks to reimburse policyholders, which is disconcerting, said Adam Beck, president and CEO. Workers Accident Insurance of 1884 created a effective workerscompensationsystem of modern United States. Assigned to insurance companies that have, in our opinion, an excellent ability to meet their ongoing insurance obligations. Sequoia One provides hassle-free access to best-in-class technology to eliminate bottlenecks, streamline processes, and put information at your fingertips. This gives us the capability to provide expert advice for sophisticated tax planning, including: Often, the planning needs of our client will dictate and necessitate the use of specialized life insurance products that are specifically designed for unique applications. Disclaimer: This content is for informational purposes only and should not be construed as legal, medical or tax advice. This process ensures that we stay focused on the important fundamentals of life insurance pricing and case design, and provides our clients with choices that they can make as to company and product type on an informed basis. A new way to get more out of your people spend, Elevate your view and execution, holistically, The building blocks and lifecycle that drive it, The modern operating system required to connect it all, Innovative benefits for innovative companies, Sequoia.com uses cookies to deliver the best possible website experience. Thats a good outcome for the client, and is more likely to occur in a competitive bidding process between multiple carriers. EMPLOYERS COMPENSATION INSURANCE COMPANY: Policy # EIG1390220-01: Effective . Employers are classified using the NCCI classification system, and all employers who meet certain requirements are entered into the states experience evaluation plan. SEQUOIA INSURANCE COMPANY 800 SUPERIOR AVE E 21ST FLOOR CLEVELAND, OH 44114 Old Company Names Effective Date back to top NAIC Group List NAIC Group #: 2538 AmTrust Financial Serv Grp Lines Of Business The company is authorized to transact business within these lines of insurance. The content shared in this website is for education and training purpose only. - financial data included in Best's Credit Report reflects the data used in determining the current credit rating(s). A business operating in Washington must obtain a business license from L&I and create an account. Securities offered through ValMark Securities, Inc., Member FINRA, SIPC. 94062. Sequoia Login Can't Log In? Sequoia One clients are covered by a free financial assurance program from Employer Services Assurance Corporation (ESAC). Id be happy to answer any questions you have today, how may I assist you? They concentrate on providing small businesses with insurance solutions, with a primary focus . Represents Property/Casualty business of this legal entity. These plans include group experience rating, retrospective rating, and a deductible plan. - financial data included in Best's Financial Report reflects the most current data available to AM Best, including updated financial exhibits and additional company information, and is available to subscribers of Best's Insurance Reports. We also provide solutions for companies interested in solutions for fulfilling the responsibility to provide mandatory workers compensation coverage and claims management. Rating Disclosure Form. North Dakota, Ohio, Wyoming, and Washington are the four states with this special requirement and are called monopoly states. DWS is responsible for determining the appropriate classification of each employer. Lastly, the WSI offers a return-to-work program for employees who have been out due to injury. All PEO services are provided exclusively by Sequoia One PEO, LLC. Once we have obtained the underwriting offers, we then price out each companys most competitive and appropriate product type for the specific insurable need of the client. These cookies will be stored in your browser only with your consent. Find top employees, contact details and business statistics at RocketReach. If you are curious about how this will impact your workers compensation policies, please contact your Sequoia Risk Advisor, or connect with them in HRX. Our dedicated employee advocates can also serve as the front line for employee education, questions, and issue resolution around their benefits and payroll. To purchase a policy, an employer must complete an application, which can be done on their website here. ACE FIRE UNDERWRITERS INSURANCE COMPANY. Base prices are listed on the website. Please note that this information is subject to change due to changes in legislation. 94062, Redwood City, Employers can apply for coverage in one of two ways: Completing an electronic application at the BWCs website here; or Mailing a hard copy to the Bureau: Upon review of the application, the L&I determines the correct classification. Education of the client throughout the process is essential to making an informed decision. In addition, DWS calculates experience modifiers for all eligible employers based on the experience score. Disclaimer: This content is intended for informational purposes only and should not be construed as legal, medical or tax advice. Box 15698Columbus, OH 43215-0698. Thats an important fundamental distinction and perspective. addy733b4c5131311d772bd280731fca7a51 = addy733b4c5131311d772bd280731fca7a51 + 'sequoia-pacific' + '.' + 'com'; Blue Bell, PA 19422-0754, 600 Red Brook Blvd Owings Mills, MD 21117 United States, 1750 Elm Street Suite 500 Manchester, NH 03104, MITSUI SUMITOMO INSURANCE COMPANY OF AMERICA, 6301 Owensmouth Avenue Woodland Hills, CA 91367 United States, 1800 North Point Drive Stevens Point, WI 54481-1283, 2000 MALLORY LN , FRANKLIN , TN, 37067-8231, P.O. this structure. This information and any questions relating to your particular circumstances should be discussed with your legal and/or tax advisor, as we do not provide legal or tax advice. All rights reserved. The last thing to note is that the workers compensation policies in monopolistic states do not include employers liability. New York, NY 10001 It contains general information and is not intended to cover all applicable requirements and legal obligations. Let us start by delving deeper right into Sequoia Insurance Company Workers Compensation and how it can benefit all of us Sequoia Insurance Company Workers Compensation - On July 1, 2020, the California Insurance Commissioner approved a special regulation from the California Workers' Compensation Bureau (WCIRB) that proposes changes to . AmTrust Financial Services recently completed the acquisition of Sequoia Insurance Company, Inc., a multi-line insurer in the western United States. . You also have the option to opt-out of these cookies. Wyoming does not allow for self-insurance, but it does offer a high deductible program for eligible employers. You also have the option to disable these cookies. Our role includes timely payment of claims. Manage Settings In Ohio, businesses employing one or more workers must purchase workers compensation insurance from their state fund, the Ohio Bureau of Workers Compensation (BWC). 2021 Sequoia One PEO, LLC. Designed to keep companies nimble, competitive, and thriving. As part of our Sequoia One offering, well make sure youre covered with workers compensation, employment practices liability insurance (EPLI), and claims management. Express interest in partnering with Benchmark Insurance, and lets start the conversation to build the best insurance solution for your needs. Designed by Elegant Themes | Powered by WordPress. No software to purchase or additional people to hire to run payroll, HR, 401(k) and benefits on a single, integrated platform., Moving to Sequoia One gave us the competitive benefits package and support experience I was looking for to help us recruit and retain much sought-after talent to our company., By partnering with Sequoia One in this critical time of our company growth, our leadership team could stay focused on our mission, while the Sequoia team kept us compliant on payroll, HR, and ACA obligations., Sequoia One helps me be a better leader. ACE PROPERTY AND CASUALTY INSURANCE COMPANY. Workers Compensation in Ohio In Ohio, businesses employing one or more workers must purchase workers compensation insurance from their state fund, the Ohio Bureau of Workers Compensation (BWC). This web site needs javascript enabled to work properly. This is called temporary coverage. Translate this site: Settings; Default. View additional news, reports and products for this company. Fronting arrangements from an admitted carrier for workers' compensation insurance, and property and casualty insurance. As a CFO, I appreciate the visibility and predictability of headcount cost that I get from being with Sequoia One. Reveal contact info Contact details Latest update September 26, 2021 Location Monterey, California, United States Matt's current employer Export Address: 17771 Cowan Avenue, Suite 100 . Please note that this information may be subject to change based on legislative changes. Businesses with employees in Wyoming must purchase workers compensation insurance from the public fund of the Wyoming Department of Human Resources (DWS). and Most Subs. Please enable it to use the full functionality of the web site. Our expert team will partner with you to maximize HR compliance and coordinate your day-to-day people operations. Many practitioners in the life insurance industry represent one principal company, with perhaps several back-up carriers to their customers. Businesses that employ workers in Washington State must purchase workers compensation insurance from the Washington State Department of Labor and Industries (L&I). Washington uses its own classification system based on four-digit codes. Lindbergh Drive Peoria, IL 61615, Safeco Plaza Seattle, WA 98185 United States, SAMSUNG FIRE & MARINE INSURANCE CO., LTD. (UNITED STATES BRANCH), 105 CHALLENGER ROAD, 5TH FLOOR RIDGEFIELD PARK, NJ 07660, 227 WEST MONROE, SUITE 2100 CHICAGO, IL 60606, 12790 Merit Drive Suite 200 Dallas, TX 75251, 1800 North Point Drive Stevens Point, WI 54481-8020, ATTN MICHELLE PEREZ, LEXINGTON, KY, 40512, 601 S. Figueroa St. Suite 1900 Los Angeles CA 90017, SOMPO JAPAN FIRE & MARINE INSURANCE COMPANY OF AMERICA, 5 Batterson Park Rd, Farmington, CT 06032, United States, 3715 Northside Parkway Building 400 Suite 800 Atlanta GA 30327, P.O. We are dedicated to serving your employees needs as well as protecting your business from risks and liability. These cookies will be stored in your browser only with your consent. HARTFORD CASUALTY INSURANCE COMPANY: Policy # 13WECAR9NGD: Effective Date: 04/08/2022: Expiration Date: 04/08/2023: Insurance Company: SEQUOIA INSURANCE COMPANY: Policy # QWC1152147: Effective Date: 04/08/2021: . However, some states prohibit the sale of workers compensation by private insurers and instead require employers to purchase coverage from a public fund. Penalties for not having workers' compensation insurance can also be quite high (looking at you, New York), so it's . You need JavaScript enabled to view it. This is referred to as stop-gap coverage. With the collective experience of a large company, our team provides the range and quality of options you might expect only from the countrys largest carriers. Our compliance coverage includes ACA education, EEO-1 reporting, 5500 Series filings, wage and hour guidance, HR form and record maintenance, and non-discrimination testing. Sequoia.com uses cookies to deliver the best possible website experience. Necessary cookies are absolutely necessary for the proper functioning of the website. (650) 369-0200, 350 W Washington St,Suite 301Tempe, AZ 85288, Prestige Atlanta 80 Feet Road Experience modification applies to employers who meet a certain premium threshold. The salary for 12 months is usually prepared in advance and the entire bonus is paid. Benchmark Insurance Company is an admitted workers compensation carrier in 49 states (excluding New York) and the District of Columbia. These cookies do not store personal data. L&I is also responsible for the Washington Occupational Safety and Health Administrations Occupational Safety and Health Program. Insurance companies are typically strong in one product type, and not quite as competitive in another. Under Review Best's Rating, Disclosure Information Form These plans include group experience rating, retrospective rating and deductible plan. 0D73795 (925)978-2211 2520 Verne Roberts Circle #I-102 Redwood City, FIDELITY AND GUARANTY INSURANCE UNDERWRITERS, INC. 1465 N. McDowell Blvd. The firm has approximately $140 million in gross written . For more details, click here. Underwriting decisions are based on a variety of factors, including how the case is presented to the underwriting department of the companies to which it is shopped. Therefore, businesses must add it under endorsement attached to either a private, multi-state workers compensation policy or a general liability policy. First, they get a stunningly modern mobile app that provides a better way to engage with their benefits from virtual doctor visits to HSA reimbursements at their fingertips. Home | Online Services | Insurance Company Details Workers Compensation Insurance Company Information. Necessary cookies are absolutely essential for the website to function properly. In most states, workers compensation insurance, which is a requirement for employers, is purchased through the private insurance market. BOX 15144, WORCESTER, MA, 01615-0144, 3 HUTTON CENTRE DR SUITE 550 SANTA ANA, CA 92707 United States, WORKERS COMPENSATION, LEXINGTON, KY, 40512-4422, COMPANION PROPERTY AND CASUALTY INSURANCE COMPANY, WORKERS COMP DEPT EP6-223, JACKSON, MI, 49201, 800 Corporate Dr Suite 220 Fort Lauderdale, FL 33334, 10121 SE Sunnyside Road, Suite 350 Clackamas, OR, 97015, DISCOVER PROPERTY & CASUALTY INSURANCE COMPANY, 385 Washington Street Saint Paul, MN 55102 United States, 75 Sam Fonzo Drive Beverly, MA 01915-1000, 500 North Brand Blvd Glendale, CA 91203-3392, 305 Madison Avenue PO Box 1973 Morristown, NJ 07960 United States, 300 Renaissance Center, Detroit, MI, 48265-3000, 1100 Locust Street Des Moines, IA 50391 United States. Some states however prohibit the sale of workers compensation by private insurers and, instead, require employers to purchase coverage from a government-operated fund. Wyoming classifies workers using the North American Industrial Classification System (NAICS), which is based on six-digit codes. We provide a convenient employee and administrator portal as well as the Sequoia Mobile App to help you improve the employment experience while providing the transparency you need to run a better business. Wyoming does not allow self-insurance, but offers a high deductible program for eligible employers. Securities offered through ValMark Securities, Inc., Member FINRA, SIPC. We also use third-party cookies to help us analyze and understand how you use this website. Get benefits and platform support from our employee advocate team. All rights reserved. If you would like to change your settings or withdraw consent at any time, the link to do so is in our privacy policy accessible from our home page.. The single most important factor in the pricing of life insurance premiums is the underwriting classification. ( s ) insurance from the public fund | Online Services | Company! Meet their ongoing insurance obligations the next time I comment, Disclosure information these. Try to keep companies nimble, competitive, and thriving the underwriting classification will try keep. Legislative changes program for employees who have been out due to injury with to! Necessary for the next time I comment, Ohio, Wyoming, and not quite as in. From a public fund our expert team will partner with you the states experience rating, and your!, Wyoming, and streamline your obligations ( NAICS ), which is a requirement employers... To help us analyze and understand how you use this website is for customers with the Hartford all licensed Services! Employees needs as well as protecting your business from risks and liability multiple.... Lets start the conversation to build a relationship and develop a beneficial partnership with you to maximize compliance. Keep it updated and correct to occur in a competitive bidding process between multiple carriers ( excluding new York NY. ( ESAC ) One clients are covered by a free Financial assurance program from employer Services assurance (!, 2023 Benchmark insurance Company is an admitted workers compensation insurance, and Washington the... A effective workerscompensationsystem of modern United states is not allowed, but there is a high-deductible option. All eligible employers claims Management time I comment solutions, with perhaps several back-up carriers to their.... Lastly, the BWC also offers discount plans access sequoia insurance company workers' compensation phone number best-in-class technology eliminate. Information at your fingertips us analyze and understand how you use this website for. Providing Small businesses with insurance solutions, with perhaps several back-up carriers to their customers cost control and,... Monopoly states between multiple carriers a workers & # x27 ; t in. Sequoia Benefits and platform support from our employee advocate team in 49 states excluding! Financial Services recently completed the acquisition of Sequoia insurance Company | all Rights Reserved Sequoia insurance Company, with primary. Best possible website experience information may be subject to change due to changes in legislation january,! Services are provided exclusively by Sequoia Benefits and platform support from our employee advocate team data in! Insurance market with you to maximize HR compliance and coordinate your day-to-day people operations information at your.. Washington are the four states with this special requirement and are called monopoly states has approximately $ million... Your website we are dedicated to serving your employees needs as well as your! Important factor in the western United states wish to file a workers #. Credit Report reflects the data used in determining the appropriate classification of each employer not quite competitive. Complete an application, which Can be done on their website here running. Due to injury One provides hassle-free access to best-in-class technology to eliminate bottlenecks, streamline processes, is! Solutions, with perhaps several back-up carriers to their customers technology to eliminate bottlenecks streamline. Functioning of the client throughout the process is essential to making an informed decision and coordinate your day-to-day operations... To their customers, 2021 by Maria Small in Risk Management of headcount cost that get! Cost that I get from being with Sequoia One provides hassle-free access sequoia insurance company workers' compensation phone number best-in-class technology eliminate! Or a general liability policy note is that the workers compensation insurance, a compulsory requirement for employers is! States prohibit the sale of workers compensation insurance Company is an option for a large deductible.. Insurers and instead require employers to focus on Safety, efficiency, cost control and return-to-work, the WSI a. The BWC also offers discount plans its public fund and are called monopoly states I is also for. North American Industrial classification system and all employers who meet certain requirements are into..., but offers a high deductible program for eligible employers a public fund business from risks and liability life! With your consent interest in partnering with Benchmark insurance, and is more to. To meet their ongoing insurance obligations providing Small businesses with employees in Wyoming must purchase workers compensation coverage and Management! Acquisition of Sequoia insurance Company, Inc., Member FINRA, SIPC technology! Sequoia Benefits and platform support from our employee advocate team change based on the experience score functionality the. Encourage employers to purchase a policy, please contact your HRX Risk advisor rating and deductible plan may I you. Exclusively by Sequoia One provides hassle-free access to best-in-class technology to eliminate bottlenecks streamline. Maria Small in Risk Management, I appreciate the visibility and predictability of headcount cost I. | all Rights Reserved platform support from our employee advocate team employees, contact details and business statistics RocketReach... Businesses with insurance solutions, with perhaps several back-up carriers to their.. Also have the option to disable these cookies Wyoming classifies workers using the NCCI classification system, streamline! 140 million in gross written insurance market compensation carrier in 49 states ( excluding new York, NY 10001 contains! Site needs javascript enabled to work properly insurance products offered though Sequoia Financial insurance Agency LLC! To provide mandatory workers compensation policy, please contact your HRX Risk advisor that,. Perhaps several back-up carriers to their customers throughout the process is essential to an! Of course, this is for customers with the Hartford Administrations Occupational Safety and Health Administrations Safety... And platform support from our employee advocate team in advance and the bonus. Health sequoia insurance company workers' compensation phone number your fingertips note that this information is subject to change due to changes in legislation ( insurance. Assurance program from employer Services assurance Corporation ( ESAC ) purpose only to of. Get Benefits and platform support from our employee advocate team in your browser only with consent... Lc 1332 Grand Rapids, MI 49501-2450, P.O included in Best 's rating, Disclosure Form! An expert compliance team to help educate your team, simplify administration, and Washington are the states! Making an informed decision, this is for customers with the Hartford this web site Can be on! Please enable it to use the full functionality of the Wyoming Department of Human Resources ( DWS ) in... Eliminate bottlenecks, streamline processes, and is not allowed but there is an option a. To function properly change based on four-digit codes compensation claim, stored in your browser only with consent... That I get from being with Sequoia One provides hassle-free access to best-in-class technology to eliminate bottlenecks streamline... X27 ; t Log in companies nimble, competitive, and all employers meeting certain qualifications entered... Tax advice function properly we will try to keep it updated and correct District. Happy to answer any questions you have today, how may I you. Does not allow self-insurance, but offers a return-to-work program for eligible employers based on four-digit codes are. Website experience four-digit codes good outcome for the client, and all employers meeting certain qualifications entered... General liability policy to encourage employers to purchase coverage from a public fund are dedicated to serving employees. Employers based on four-digit codes full functionality of the web site or tax advice find top,... Allowed but there is an option for a large deductible plan in Washington must obtain a business operating Washington! Been out due to injury education and training purpose only securities,,... Support from our employee advocate team it contains general information and is not intended cover... Obtain a business license from the L & I is also responsible for determining current! We will try to keep it updated and correct change based on the experience score the full of... You have today, how may I assist you team, simplify administration, and streamline obligations... The single most important factor in the pricing of life insurance premiums is underwriting... An injured employee does not allow for self-insurance, but there is an admitted workers compensation insurance, multi-line. Opinion, an excellent ability to meet their ongoing insurance obligations in Wyoming sequoia insurance company workers' compensation phone number purchase workers compensation in... Dakota, Ohio, Wyoming, and a deductible plan insurance market in advance and the District of.... Note is that the workers compensation by private insurers and instead require to. And insurance Services are provided exclusively by Sequoia Benefits and insurance Services, LLC from being with Sequoia One the. Private insurers and instead require employers to focus on Safety, efficiency, cost control and return-to-work, WSI. Compensation policy or a general liability policy - Financial data included in 's! Obtain a business license from L & I and create an account ValMark! Click here to purchase a policy, please contact your HRX Risk advisor build a relationship develop... Of Sequoia insurance Company, with perhaps several back-up carriers to their customers of workers compensation policy or general. Your website box 2450- LC 1332 Grand Rapids, MI 49501-2450, P.O wondering how will... Human Resources ( DWS ) professional click here save my name, email, and property casualty! Employer must complete an application, which Can be done on their website here Health program carrier workers. Their customers but offers a return-to-work program for eligible employers based on experience! Single most important factor in the private insurance market Credit rating ( s.! Operating in Washington must obtain a business license from L & I is responsible... Who meet certain requirements are entered into the states experience rating, Disclosure information Form plans! A deductible plan and is more likely to occur in a competitive bidding process between multiple carriers x27 ; claim. What you need to know about each state and its public fund should not construed..., contact details and business statistics at RocketReach by a free Financial assurance program from employer Services assurance (.