Login. . Si continas recibiendo este mensaje, infrmanos del problema enviando Contractors primarily engaged in concrete work are classified in Industry 1771; and those primarily engaged in trenching or in earth moving and land clearing not related to building construction are classified in Major Group 16. Apartment buildings are defined as containing five or more housing units. Rw Preservation LLC is primarily engaged in Rw Preservation LLC is primarily engaged in the operation of apartment buildings. Applied Underwriters is a global risk services firm that helps businesses and people manage uncertainty through its business services, insurance, and reinsurance solutions. To begin with, Applied Underwriters has a strong parent company and high ratings from A.M. Best and the BBB. Shopping for a company? Applied Underwriters is a national insurance company licensed in all states Focused on a variety of small to mid-sized companies with 3 or more employees A (Excellent) rating from A.M. Best A+ rating from the BBB Works with independent insurance agents Applied Underwriters is a global risk services firm that helps businesses and people manage uncertainty through its business services, insurance, and reinsurance solutions. We solve real-world problems by seeing opportunity where others see limitations, uniting talent with deep analysis to deconstruct complex risks. Faster business growth is just one of these benefits. Also find NY local small businesses by General Liability Class Code and learn about New York small business insurance requirements for general liability, business property, commercial auto & workers compensation including NY business insurance costs. How Much Does General Liability Insurance Cost? The carrier does say, Safety conscious organizations have a significant potential to save a significant amount of money compared to traditional first dollar coverage options. Listed on 2023-03-01. Workers compensation utilization management activities include the review of clinical information to determine medical necessity at all levels of care. What is Rw Preservation LLC's NAICS Code? and payroll service companies to provide workers' compensation you can get back to business. Creating the kind of partnerships that generate sustained profits able to weather the next economic storm means building a high level of trust. Listing for: American Global Co. Full Time position. $65K Ihr Votre contenu saffichera bientt. Account. www.cg.com Ryan GerdingPublic RelationsEmail: press@auw.comOffice: +1 (913) 602-853110561 Barkley St., Ste 600Overland Park, KS 66212 USA. www.promesahealth.com Luxembourg (Letzebuerg), 94 Solaris Avenue2nd Floor, Camana Bay P.O. Your content will appear shortly. Permission to access your location has been denied. The Internal Audit Manager is directly responsible for planning, leading, and overseeing the execution of the internal audits and control processes within Applied Underwriters in accordance with professional standards to ensure that controls are appropriately designed and operating effectively. We have the right one for you. And the carriers loss control programs are designed to help businesses identify and eliminate potentially harmful conditions that could otherwise result in significant losses. The fees and hassle will never be worth it., My experience with Applied Underwriters was awful. (212) 235-2003. Please reload the page and allow the browser to access your location information. One of the largest sellers of workers' compensation insurance in the US, Applied Underwriters has been accused of being a "reverse Ponzi scheme" in a pending civil suit filed in 2016 by. Call us today at (888) 611-7467 for a free, no-obligation AmTrust Insurance Quote. Plan, Self-Insured Bill Richardson Action, North American Casualty Co. Accorded A- Rating by AM Best, The Steve Menzies Global Foundation plays key role in release of Brittney Griner, One Insurer Views Ian Aftermath: Centauris Preparedness in Claims Management and Client Service Proved Essential for its Insureds Following Hurricane Ian Devastation, Applied Underwriters Partners with Health Outlook to Introduce Album Life Assurance, Applied Underwriters Announces Promotional Partnerships with Professional Sports Icons Luke Donald and Michael Andretti, Applied Underwriters Strengthens Centauri as its A Rating is Affirmed and Transition to Omaha Operations Center is Completed, Applied Underwriters Premieres Entertainment & Sports Division Headed by Top Sector Leaders, Applied Underwriters Chairman, Steve Menzies, Reports Excellent Financial Results for 2021 and Apologizes for 90-Day Operational, Post-Pandemic Delay in Filing Some of the Companys Audits, Applied Underwriters Announces Across the Board 10% Cost of Living Adjustment to Staff as Companys Economists Assess Inflations Impact, Applied Underwriters Centauri Insurance Reaffirms Commitment to Underwriting in Gulf Coast Market as Above Normal Hurricane Season Looms and Solvency Issues Beset Insurers and Diminish Availability, Applied Underwriters Will Challenge Court Ruling Setting Intramural Hearing Venue in New Jersey Department of Banking and Insurance, Founder and President of Applied Underwriters, Jamie Sahara, sits down for an exclusive interview with THE INSURER's David Bull, Applied Underwriters Continues Specialty Lines Expansion with Launch of Applied Surety Underwriters, Chamber of Commerce Awards US Business Leader Steve Menzies First Bold Entrepreneur and Humanitarian Award during Annual Albuquerque Gala, Applied Underwriters Sets Acquisition of Catlin Specialty Insurance Company, Insurance federation of New York, Inc. Presents Free Enterprise Award to Steve Menzies, Public Service Award to William H. Frazier, QBE Lawsuits against Former Individual Employees and against Applied Underwriters, their New Employer, Termed Meritless by Applieds General Counsel, California Insurance Companys Statement Replying to Reports of Consumer Watchdog Inquiries into California Department of Insurance Transparency and Related Matters, Omahas Heartwood Preserve Realizes Substantial Growth in Key Construction, Occupancy and Lifestyle Areas, Bolstering 2022 Outlook, Applied Underwriters Looks to Complete Major Acquisitions, Continue Organic Growth following Successful 2021 Year, Applied Specialty Underwriters Expands with New Infrastructure and Construction Market, Naming Sector Leader John Schlosser to Head Division, Heartwood Preserve and Broadmoor Development Co. Claims can be filed by mail as well. These Castorland, NY Building & Construction local businesses can help you find the goods and services you are searching for. Contact a local independent agent in the Trusted Choice network today for assistance concerning the insurance options that are available to you. "It should be noted that to an extent, insurance professionals depend upon commissions earned through sales. The Workers' Compensation Insurance Rating Bureau filed proposed regulatory changes. "For our part, we acted ethically and openly to engage these interested insurance professionals, but not as any kind of specific move on our part against QBE. Applied Underwriters also promises to never outsource its operations, allowing for greater control over procedures and overall quality of interactions. Files invoice/request/payment support accordingly with the intention of accessibility for audit purposes. Trucking Payment. Organizes payments from multiple companies to the same vendor, alerts the accountants of said payments, and ensures these payments go out together. 2023 Applied Underwriters Global Holdings Ltd. Taylor Dudleys Release from Russian Detention Credited to Steve Menzies, Gov. This rating has decreased by -4% over the last 12 months. Filter your search results by job function, title, or location. Captive, Lowest Case Load Average per Adjuster in Industry, In House Pharmacy to Help Manage Medical Costs. Applied Underwriters is a global risk services firm helping business and people manage uncertainty through its business services, insurance, and reinsurance solutions. building a better foundation as national specialists in the area claims in conjunction with their customers. Find information on Rw Preservation LLC, including this business' SIC code(s), NAICS code(s) and General Liabilility Class code(s). The carrier also offers workers compensation for larger corporations. We offer: Applied Underwriters Insurance our Specialist can help save you money on insurance. The Accounting Manager will participate in the day to day financial operations of a growing insurance company. Applied Underwriters is backed by Berkshire Hathaway Companies and was founded in Veuillez patienter pendant que nous vrifions que vous tes une personne relle. That's why our specialists take the time to make sure you get the right quote. http://www.michigan.gov/documents/uia_l 5141_7.pdf. Rw Preservation LLC's NCCI Class Code is: If you are looking for small business insurance, you can request a free Saratoga Springs, New York commercial insurance quote, or in these other NY cities: Airmont, Albany, Albion, Amityville, Amsterdam, Auburn, Babylon, Baldwinsville, Ballston Spa, Batavia, Bath, Bayville, Beacon, Binghamton, Briarcliff Manor, Brockport, Bronxville, Buffalo, Canandaigua, Canton, Cedarhurst, Chestnut Ridge, Cohoes, Colonie, Corning, Cortland, Croton-on-Hudson, Depew, Dobbs Ferry, Dunkirk, East Aurora, East Hills, East Rochester, East Rockaway, Elmira, Endicott, Fairport, Farmingdale, Floral Park, Fredonia, Freeport, Fulton, Garden City, Geneseo, Geneva, Glen Cove, Glens Falls, Gloversville, Goshen, Great Neck Plaza, Great Neck, Hamburg, Harrison, Hastings-on-Hudson, Haverstraw, Hempstead, Herkimer, Hilton, Hornell, Horseheads, Hudson Falls, Hudson, Ilion, Irvington, Ithaca, Jamestown, Johnson City, Johnstown, Kenmore, Kingston, Kiryas Joel, Lackawanna, Lake Grove, Lancaster, Larchmont, Lawrence, Lindenhurst, Lockport, Long Beach, Lynbrook, Malone, Malverne, Mamaroneck, Manorhaven, Massapequa Park, Massena, Mechanicville, Medina, Middletown, Mineola, Monroe, Monticello, Mount Kisco, Mount Vernon, New Hyde Park, New Paltz, New Rochelle, New Square, New York, Newark, Newburgh, Niagara Falls, North Syracuse, North Tonawanda, Northport, Norwich, Nyack, Ogdensburg, Olean, Oneida, Oneonta, Ossining, Oswego, Patchogue, Peekskill, Pelham Manor, Pelham, Plattsburgh, Pleasantville, Port Chester, Port Jefferson, Port Jervis, Potsdam, Poughkeepsie, Rensselaer, Rochester, Rockville Centre, Rome, Rye Brook, Rye, Salamanca, Saranac Lake, Saratoga Springs, Scarsdale, Schenectady, Scotia, Seneca Falls, Sleepy Hollow, Solvay, Spring Valley, Suffern, Syracuse, Tarrytown, Tonawanda, Troy, Tuckahoe, Utica, Valley Stream, Walden, Wappingers Falls, Warwick, Washingtonville, Waterloo, Watertown, Watervliet, Webster, Wesley Hills, West Haverstraw, Westbury, White Plains, Williamsville, Williston Park, Woodbury, Yonkers including the neighborhoods in the Five Boroughs of New York City (Bronx, Brooklyn, Manhattan, Queens, and Staten Island): by SFINS Fri Aug 18, 2006 4:57 pm, Post OH, ND, WA, and WY. Find a Great First Job to Jumpstart Your Career, Getting a Job Is Tough; This Guide Makes it Easier, Stand Out From the Crowd With the Perfect Cover Letter, How to Prepare for Your Interview and Land the Job. Applied operates a wide range of companies that provide business services that help other businesses reduce uncertainty in the risks they face. Insurance carriers rated A+ (Superior) by A.M. Best. How Much Does Workers Comp Insurance Cost? terwijl we verifiren of u een persoon bent. Job specializations: Insurance. I have 15 years helping people, Welcome to Ally Insurance Brokers of Omaha Nebraska, Iowa, Missouri, Ohio, Texas, Nation-Wide Coverage! un correo electrnico a I would not recommend Applied Underwriters to anyone., Applied Underwriters is a national insurance company licensed in all states, Focused on a variety of small to mid-sized companies with 3 or more employees, The lowest case load average per adjuster in the industry, In-house pharmacy to help manage medical costs, Phone, mail, and email customer service options. The carrier assigns low caseload numbers to its adjusters, allowing them to better manage claims and close them quickly. This position will require communication with business and technical personnel on a regular basis to facilitate projects. Applied Intelligence. You will utilize criteria, or evidence-based guidelines, coordinate of care across the continuum, and interact with physicians, providers, claimants and peer reviewers as part of the utilization management process. Applied also offers a 3 year rate lock on class code rating which improves As a company,. en breve. Complaints and negative reviews about the company's service are abundant. www.solutionone.auw.com You can find more information about Castorland, New York's business and economic environment here: Request a free New York small business insurance quote, or in these other NY cities: Airmont, Albany, Albion, Amityville, Amsterdam, Auburn, Babylon, Baldwinsville, Ballston Spa, Batavia, Bath, Bayville, Beacon, Binghamton, Briarcliff Manor, Brockport, Bronxville, Buffalo, Canandaigua, Canton, Cedarhurst, Chestnut Ridge, Cohoes, Colonie, Corning, Cortland, Croton-on-Hudson, Depew, Dobbs Ferry, Dunkirk, East Aurora, East Hills, East Rochester, East Rockaway, Elmira, Endicott, Fairport, Farmingdale, Floral Park, Fredonia, Freeport, Fulton, Garden City, Geneseo, Geneva, Glen Cove, Glens Falls, Gloversville, Goshen, Great Neck Plaza, Great Neck, Hamburg, Harrison, Hastings-on-Hudson, Haverstraw, Hempstead, Herkimer, Hilton, Hornell, Horseheads, Hudson Falls, Hudson, Ilion, Irvington, Ithaca, Jamestown, Johnson City, Johnstown, Kenmore, Kingston, Kiryas Joel, Lackawanna, Lake Grove, Lancaster, Larchmont, Lawrence, Lindenhurst, Lockport, Long Beach, Lynbrook, Malone, Malverne, Mamaroneck, Manorhaven, Massapequa Park, Massena, Mechanicville, Medina, Middletown, Mineola, Monroe, Monticello, Mount Kisco, Mount Vernon, New Hyde Park, New Paltz, New Rochelle, New Square, New York, Newark, Newburgh, Niagara Falls, North Syracuse, North Tonawanda, Northport, Norwich, Nyack, Ogdensburg, Olean, Oneida, Oneonta, Ossining, Oswego, Patchogue, Peekskill, Pelham Manor, Pelham, Plattsburgh, Pleasantville, Port Chester, Port Jefferson, Port Jervis, Potsdam, Poughkeepsie, Rensselaer, Rochester, Rockville Centre, Rome, Rye Brook, Rye, Salamanca, Saranac Lake, Saratoga Springs, Scarsdale, Schenectady, Scotia, Seneca Falls, Sleepy Hollow, Solvay, Spring Valley, Suffern, Syracuse, Tarrytown, Tonawanda, Troy, Tuckahoe, Utica, Valley Stream, Walden, Wappingers Falls, Warwick, Washingtonville, Waterloo, Watertown, Watervliet, Webster, Wesley Hills, West Haverstraw, Westbury, White Plains, Williamsville, Williston Park, Woodbury, Yonkers including the neighborhoods in the Five Boroughs of New York City (Bronx, Brooklyn, Manhattan, Queens, and Staten Island): Experience. Omaha, NE Easy Apply 18d. Apartment buildings are defined as containing five or more housing units. Applied actively seeks acquisitions, joint ventures, and other opportunities aligned with its strategic objectives. Your location information has yet to be received. We have the network and operations to wholesale nearly any property and casualty insurance product in all jurisdictions in the United States. Applied Underwriters Fined $3 Million by NYDFS Over EquityComp Program PEO Compass The State regulators continue to clamp down on insurers that use side agreements (aka Program Agreements) for large deductible/loss sensitive programs that are not properly filed with the various Offices of Insurance Regulation. The company is financially stable, with the backing of Berkshire Hathaway Companies and an A (Excellent) rating from A.M. Best. Contractors - Workers' Comp. In fact, Applied enjoys a reputation as a great place to work, having received awards and accords in 2021 and in prior years for its employment practices which has made us an attractive option for professionals seeking growth and meaningful support. Find in Castorland, New York Site Preparation Contractors businesses. Please contact the Recruiting Department at (800) 999-7761 with any questions. We are looking for intelligent and knowledgeable candidates that will utilize their insurance actuarial experience to perform various tasks in a fast-paced environment. Applied Underwriters. We accept a variety of property and casualty reinsurance placements in the working layer adjunct to our primary writings and in support of our binding authority facilities. solutions and Pay As You Go administration: Since 2005, we've been hard at work Or give us a call today at 888-611-7467 to find out if one of Si vous continuez voir ce message, I am sure they will be able to explain/fix what happened regarding the tax situation. To access your account information, please login below. Applied Underwriters is a global risk services company that continues to expand our offerings in property and casualty insurance. Login. We work with select insurance agents How Much Does General Liability Insurance Cost? Applied Underwriters provides financial services and workers' compensation insurance to companies nationwide. Property and casualty insurance in the United States. This individual will prepare multiple financial statements efficiently and submit meeting deadlines to all respective parties. Customer Support Specialist. When typing in this field, a list of search results will appear and be automatically updated as you type. Applied Underwriters stakes its profitability on claims management. Tu contenido aparecer en All rights reserved. binnenkort weergegeven. Applied Underwriters has a minimally informative website with little customer service availability or ability for customers to interact. Applied Underwriters target classes for workers comp: Our agency works with Applied Underwriters throughout the United States to offer We also offer a 3-year rate lock on class code rating which improves predictability.. About Us. Insurance Sales, Property Insurance. Jamie SaharaFounder, PresidentEmail: jamie@auw.comOffice: +1 (212) 247-27571120 6th Avenue, 21st FloorNew York, NY 10036 USA. Phone: (518) 587-2641 Our brokers and customers love what we builtthe way our underwriters look at risk and the way our claims people blend compassion and . www.nacasualty.com If you have questions or concerns about your policy, an independent agent can advocate on your behalf. As a company, we truly. Applied is a national provider of workers' compensation insurance, other lines of commercial insurance, and risk transfer and financing plans. Talk with an expert today about: Get the customer service you need so Rw Preservation LLC's industry is: Residential Real Estate Leasing. The hiring process in question happened in September 2021, more than 90 days ago, making QBE's claim of purportedly irreparable harm seem to be a litigation tactic far more than a demonstrable fact. un'email all'indirizzo Post Applied Underwriters' Operations Campus, coming 2022 exemplifies who we are as a company. by SFINS Tue Aug 22, 2006 11:46 am. But the companys online reviews do not closely match up with its customer service commitments, which make us hesitate to strongly recommend it for workers compensation coverage. As a company,. pour nous faire part du problme. Call us Where Can I Find Castorland, New York Site Preparation Contractors Businesses? Safety Borough Park, Bronx Park and Fordham, Brooklyn, Bushwick and Williamsburg, Canarsie and Flatlands, Central Brooklyn, Central Harlem, Central Queens, Chelsea and Clinton, East Harlem, East New York and New Lots, Flatbush, Gramercy Park and Murray Hill, Greenpoint, Greenwich Village and Soho, High Bridge and Morrisania, Hunts Point and Mott Haven, Inwood and Washington Heights, Jamaica, Kingsbridge and Riverdale, Lower East Side, Lower Manhattan, Manhattan, Mid-Island, North Queens, Northeast Bronx, Northeast Queens, Northwest Brooklyn, Northwest Queens, Port Richmond, Queens, Rockaways, South Shore, Southeast Bronx, Southeast Queens, Southern Brooklyn, Southwest Brooklyn, Southwest Queens, Stapleton and St. George, Staten Island, Sunset Park, Upper East Side, Upper West Side, West Central Queens, West Queens and all other NY cities & New York counties near me in The Empire State. Applied Underwriters promises a 24-hour contact commitment for every claim. compensation insurance improves cashflow? Are you paying to much for your Medicare Insurance. This employer has not claimed their Employer Profile and is missing out on connecting with our community. Applied Underwriters is a premier workers compensation carrier. He is undoubtedly one of the most professional and honest underwriters I have ever worked with., We haven't had any issues with the workers' comp. Il tuo contenuto verr Password. Login. OMAHA, Neb., Jan. 19, 2022 /PRNewswire/ -- Mr. Jeffrey Silver, Esq., Executive Vice President and General Counsel, Applied Underwriters, today issued the following statement in response to lawsuits filed by Australian insurer QBE against four Applied employees, formerly among QBE's 11,000 plus employees, and against Applied itself for hiring them: "This lawsuit is plainly meritless and intends simply to use the actions against former employees individuals to try to accomplish with a nuisance suit what they could not accomplish with investment in the sector and with an effective marketing approach. What they do not tell you is that your employees cease to be your employees and as a result certain payroll taxes are charged for a second time. The Program Analyst will assist with the collection of data, evaluation of reported information and the completion of various reporting functions. breve. Applied is not a PEO but rather a payroll company that provides comp as well as some EPL coverage. informieren Sie uns darber bitte per E-Mail an 57 Ballston Ave Rw Preservation LLC's SIC code is: 6513 - Lessors Of Residential Buildings and Dwellings. Attendi mentre verifichiamo che sei una persona reale. So, while it is easy to understand the emotional impact and some of the potential financial effects of losing staff members, we believe that this matter is not lawsuit-worthy, and is waged without real merit against these men and women who are free to set their own destinies and to earn as much as possible through their talents generously rewarded when richly applied. Applied Underwriters stakes its As a company, Applied Underwriters has been distinguished by its innovative approaches to client care and by its strong financial strength. Choosing to work with a PEO offers several other advantages as well, according to the National Organization of Professional Employer Organizations. (212) 235-2003. Even geduld a.u.b. Ownership Type: Private, Entity Type: Independent, Parent Company: Disclaimer: The information provided by generalliabilityinsure.com is for general informational purposes only. Website: http://www.raymondwatkin.com The carrier offers affordable rates on most class codes. Get the latest business insights from Dun & Bradstreet. Plan alongside the cash flow incentives of a guaranteed cost plan. from 8 AM - 9 PM ET. Find local small businesses near you to get the products and services you are looking for. . Bitte warten Sie, whrend wir berprfen, dass Sie wirklich ein Mensch sind. The Applied Underwriters Insurance Accountant creates, develops, analyzes, and maintains data that is utilized to create financial statements, examinations, regulatory reporting, and internal reporting. Promesa Health Applied Underwriters was founded in the early 1990s to offer creative risk management options for premiums greater than $250,000. Trucking Payment. Formed as Applied Underwriters Expands in the EU and Middle East for Specialty Business, Applied Underwriters Announces Formation of Applied Specialty Underwriters, Names Christopher Day President of the New Company, California Insurance Company Files an Anti-SLAPP Motion to Protect Its First Amendment Rights in California, Applied Fights Back Against the California Department of Insurance, California Insurance Company Comments on the Federal Lawsuit Against the California Department of Insurance, AM Best Affirms North American Casualty Group Companies Ratings, Applied Underwriters to Acquire Blue Ridge of South Carolina, Applied Underwriters to Buy Florida-based Insurer, Applied Underwriters Founder, Steve Menzies, Acquires Insurance Companies From Berkshire Hathaway In $920mm Transaction. para nos informar sobre o problema. Copyright 2008-2023, Glassdoor, Inc. "Glassdoor" and logo are registered trademarks of Glassdoor, Inc. Quotes from leading insurance carriers including: ACE, Acuity, AIG, Allstate, Copyright 2023 GeneralLiabilityInsure.com, All Rights Reserved, Lessors Of Residential Buildings and Dwellings. ), The Ultimate Job Interview Preparation Guide. Account Manager. It offers a range of products and services, including the following brand-specific programs: This is not an exhaustive list of acceptable risks or types of programs available for Applied Underwriters workers compensation customers. conscious organizations have a significant potential to save a significant Als u dit bericht blijft zien, stuur dan een e-mail naar Account. Find local small businesses near you to get the products and services you are looking for. of workers' compensation insurance. In addition to offering work comp plans for various employer sizes and funding arrangements, Applied Underwriters also offers unique pharmacy services and return-to-work programs. Finding Castorland, New York local Building & Construction businesses is simple Click on the the business listings below: Special trade contractors primarily engaged in excavation work and digging foundations, including digging and loading. How Do I Contact Rw Preservation LLC In Saratoga Springs, NY? Get started online with quotes from AmTrust Insurance Company and some of our other Rw Preservation LLC's NAICS code is: 531110 - Lessors Of Residential Buildings and Dwellings. Applied Underwriters offers workers compensation insurance and other complementary business services for small to mid-size employers like painters, carpenters, dump truck operators, long haul truckers, manufacturers, restaurants, and retailers. Rw Preservation LLC's Contact Information; Rw Preservation LLC 57 Ballston Ave Saratoga Springs, NY 12866-4454 Phone: (518) 587-2641 Website: http://www.raymondwatkin.com Since the insured is sharing in the profit and risk of each . 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After observing federal COVID-19 guidelines and seeing vaccinations increase, Applied Underwriters says it is now comfortable with resuming construction of the 50-acre campus it started to build. This information is designed to help you with your decision-making, and it is not intended to provide advice. The Power BI Developer is responsible for analyzing, designing, building, testing, maintaining, and continuously improving the companys databases. Box 69Grand Cayman, KY1-1102, Cayman Islands. Intelligence. Find information about your state's requirements. Know Your Worth. The carrier has numerous negative online reviews that may be difficult to overcome, even if it offers a solid insurance product and unique options. U.S. nationwide medical networks and related support services. the early 1990's to offer creative risk management options for premiums greater than Since the insured is sharing in the profit and 3 Best Small Business Insurance Companies, Foundation digging (excavation)-contractors, Grading: except for highways, streets, and airport runways-contractors. Were partners, not a conglomerate. Underwriters. Caso continue recebendo esta mensagem, envie um e-mail para