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The National Fire Protection Association (NFPA) and the Home Fire Sprinkler Coalition (HFSC) are accepting nominations for their Bringing Safety Home Award, which recognizes outstanding efforts by a safety advocate who diligently promotes the importance of home fire sprinklers. The deadline is April 7, 2023. The Bringing Safety Home Award honors members of the fire service and other fire sprinkler advocates in North America who use HFSC educational material, NFPA data, and NFPA Fire Sprinkler Initiative resources to educate decision-makers on home fire sprinklers. These efforts are aimed at educating the public and policy makers to increase the use of home fire sprinklers in new homes. The award winner will receive a $1,000 grant to further fire sprinkler advocacy and educational efforts in their area. The winner will be announced during Home Fire Sprinkler Week May 14–20, 2023. Use this Bringing Safety Home Award online form to nominate an advocate for the Bringing Safety Home Award. # # # About the National Fire Protection Association (NFPA) Founded in 1896, NFPA is a global self-funded nonprofit organization devoted to eliminating death, injury, property and economic loss due to fire, electrical and related hazards. The association delivers information and knowledge through more than 300 consensus codes and standards, research, training, education, outreach and advocacy; and by partnering with others who share an interest in furthering the NFPA mission. For more information, visit www.nfpa.org. All NFPA codes and standards can be viewed online for free at www.nfpa.org/freeaccess. About the Home Fire Sprinkler Coalition (HFSC) HFSC was formed in 1996 to inform the public about the life-saving value of sprinkler protection in one- and two-family homes. HFSC is a purely educational, nonprofit organization and the leading resource for independent, noncommercial information about home fire sprinklers. For more information about HFSC and home fire sprinklers, visit www.homefiresprinkler.org.

https://www.firehouse.com/community-risk/community-risk-reduction/press-release/53028212/nfpa-national-fire-protection-association-nominations-open-for-nfpa-hfsc-bringing-safety-home-award

Homeowners insurance is not required by law. However, this coverage is required by mortgage and home equity lenders. Mississippi's high risks of tornadoes, hurricanes, wildfires and even property crimes give lenders and homeowners every reason to protect their investment with this insurance. When coupled with flood insurance, you will be covered for any water damage caused during these events. On average, Americans pay $1,173 a year for their homeowners insurance. In Mississippi, rates are significantly higher with an average cost of $1,508, making this the 6th most expensive state for home insurance coverage. Your costs may be influenced by the home's size, age, value, and building materials, the crime rate and weather risks in your ZIP code, and even your credit score. Shopping around for the best rate has the potential to save you hundreds of dollars a year, and independent insurance agents make comparison shopping easy. I used TrustedChoice to find my home insurance. Melissa was my agent and she was delightful and very helpful. They were very convenient and did everything in a timely manner; it was a good experience and I'd recommend TrustedChoice to others.Sandy of Vicksburg, MS Consumer Affairs Home insurance is designed to cover the costs associated with hazards you may encounter as a property owner in Mississippi. A comprehensive policy can let you rest assured that the investment you have made in your home is well-protected. A local independent insurance agent can help you review your policy options, determine how much coverage you need, and ensure that you are covered against all the risks you face. Flood damage is not covered by home insurance, even if the flooding is the direct result of a covered hurricane. If you live in a flood zone or are at risk for flash floods, your insurance agent can help you supplement your homeowners coverage with a flood insurance policy through the National Flood Insurance Program (NFIP). Currently, there are 208 independent insurance agents in Mississippi who are available to help you find a suitable homeowners insurance policy. Independent agents are free to work with several different insurance providers, so they can obtain a variety of customized home insurance quotes that you can review and compare together. Let a local independent agent help you find a reliable policy that meets your coverage and budgetary needs.

https://www.msindependentagents.com/home-insurance-mississippi/

Court cases are complex creatures, and cases arising from car accidents are no less complicated. It’s important to have a good understanding of the different concerns that can impact how much compensation you might receive. Please read this blog post thoroughly to learn about the four main topics that will impact the value of your car accident claim, and do not hesitate to call a knowledgeable Essex County car accident lawyer. Together you’ll prepare to get the biggest possible compensation. First Impact on the Value of Your Car Accident Claim: How Severe Your Injury Is As you might imagine, one of the biggest impacts on your claim value will be the severity of your injury. Car accidents are known to cause brain, leg, arm, and spinal cord injuries, among other kinds of harm. Since compensation is meant to make you whole after you experience an accident, it stands to reason that the more severe your accident, the greater the compensation you may receive. Similarly, claimants who emerge from an accident with permanent injuries may receive more in compensation. The rationale here is that more extensive injuries require more medical care, which means more bills for the claimant as well as longer-term pain and suffering. By comparison, claimants with temporary injuries like whiplash may completely recover sooner. Second Impact on Your Claim: How Thorough Your Records Are One of the most important things you can do to help your case and your attorney is to keep thorough records. Medical records, in particular, can support your claims regarding your injuries. Records like old pay stubs may be used to prove financial damages in the form of lost wages. You are also responsible for seeking out records, which can involve getting medical treatment as soon as you can. A doctor’s diagnosis can strongly link your injuries to the accident. On the other hand, the absence of medical records can lead your insurance company to argue that your injuries aren’t linked to the accident or are exaggerated, so that the company can offer lower settlement offers Third Impact on Your Claim: How Much You or the Other Driver Was at Fault In some states, the at-fault party must pay for the compensation of the other party. This is not so in New Jersey, because New Jersey is a no-fault state. Instead, both parties will file with their own insurance. However, you’ll still need to identify to your insurance company which of the parties caused the accident. Accident reports and surveillance footage are two of the many kinds of proof that you can use. If it turns out that your own actions contributed to the accident, that will also affect your compensation, because New Jersey recognizes comparative negligence. The comparative negligence doctrine allows you to get compensation only when you are less negligent than the other party. And what compensation you do receive will be reduced by whatever percentage you were at fault.

https://www.rrbslawnj.com/what-can-impact-the-value-of-my-car-accident-claim/

There are hundreds of small businesses operating in the city of Bicknell. From the shops and restaurants that line Main Street to sole proprietorships run out of people’s homes, each plays an important role in the local economy. Business insurance helps these companies avoid bankruptcy in times of disaster. Independent agents make it easy to find the best policies to cover your business. These agents work for you, not for a particular insurance company, so they can shop around to find the products your business needs at the most affordable prices. Contact an insurance agent near you to learn more. Why Do Businesses in Bicknell Need Liability Insurance? Every business owner should be prepared for the possibility of a liability lawsuit. Business liability insurance products are designed to cover expenses such as court costs, legal defense fees, settlements, judgments, and other financial damages. There are several different commercial liability insurance products available. A local independent agent can do a complete risk assessment of your business to identify its various liability exposures and can recommend the right policies to cover against each of them. Some of the liability products your agent may recommend include the following. - Premises liability insurance: This covers third-party injuries and property damage that occurs due to accidents on your business premises. - Product liability insurance: This covers third-party injuries, illnesses, and damage that is caused by a flaw in products your company produces, sells, or promotes. - Cyber liability insurance: This covers your business’s financial obligates to affected individuals if cybercriminals hack into your computer system and steal sensitive information like personal or financial data. - Liquor liability insurance: This covers against potential liabilities if someone who works for your business sells or serves alcohol to a visibly intoxicated patron who goes on to cause injuries or property damage to others. - Employment practices liability insurance: This covers against accusations of illegal employment practices like harassment, discrimination, retaliation, or wrongful termination. - Professional liability insurance: This covers individuals in professional positions if an error in judgment or other professional mistake causes their clients to experience financial losses or other damage. Talk to a local independent insurance agent to learn more about these and any other commercial liability insurance products that may be right for your Bicknell business. How Does Property Insurance Protect Bicknell Businesses? Commercial property insurance can cover the cost to repair or replace your business-owned property if it is lost or damaged due to a covered event. Businesses in Bicknell are most at risk for damage caused by accidental fires, property crimes, electrical storms, windstorms, tornadoes, hail, heavy snows, and freezing temperatures. Fortunately, these hazards are all covered by commercial property insurance. Depending on what your business does, your insurance agent may recommend supplementing your commercial property insurance with additional policies such as the following. - Commercial flood insurance: This covers against damage caused by floods. It can be crucial because flood damage is specifically excluded from commercial property insurance coverage. - Inland marine insurance: This covers your business’s portable property whenever it is in transit or is being stored away from your business premises. - Boiler & machinery insurance: This covers repair costs and business losses related to mechanical malfunctions of your essential business equipment and machinery. - Bailee's insurance: This covers your customers’ valuable property whenever it is in your business’s custody, care, or control. It is advisable for businesses that offer services such as alterations, maintenance, or repair work on expensive items. When you work with an independent agent, you can rest assured that all your company’s valuable assets are appropriately covered. Save on Business Insurance Our independent agents shop around to find you the best coverage. Is Business Interruption Insurance a Good Idea in Bicknell? Bicknell has a high risk of tornado activity. One of the worst to strike in the area was an F4 twister that touched down just 12 miles from the Bicknell city center in 1989. This tornado caused more than $5 million in damages to area homes and businesses. Common disasters in Indiana - Number of federally declared disasters in IN since 1953: 51 - Most common cause of disasters: Severe storms, floods, snow, and tornadoes - Average number of tornadoes in IN per year: 22 - Amount paid out in business insurance claims in IN in 2019: $6,780,466,000 If a major disaster like a tornado or an accidental fire impacts your business, property damage isn’t the only expensive risk you need to worry about. If the damage to your business is excessive, your company may need to remain closed for several weeks while repairs are made. Many small businesses do not have the financial strength to withstand a long-term forced closure. Business interruption insurance offers a solution to this problem. This insurance is designed to provide the funds necessary for your company to continue paying regular expenses like rent payments, monthly bills, loan installments, and employee salaries during the times that your business is not generating any revenue due to damage caused by a covered event. A local independent insurance agent can help you determine whether business interruption insurance is a good fit for your Bicknell business. Do Businesses in Bicknell Need Workers’ Compensation Insurance? If an employee is injured on the job or develops an occupational illness due to exposure to toxins at the workplace, workers’ compensation insurance can cover the associated costs. This insurance can pay for any necessary medical treatments, follow-up care, and prescription medications and can cover disability pay while injured workers are recuperating. It can also provide family members with death benefits in the unfortunate event that a workplace injury proves fatal. With few exceptions, the state of Indiana requires all employers to carry workers’ compensation insurance. Rates are based on your company’s overall payroll, the number of employees you have, and the types of jobs they do. The more dangerous the job is, the more your coverage will cost. A local independent agent can help you compare policies and quotes from a few competing providers that specialize in covering businesses like yours. What about Employee Benefits for Businesses in Bicknell? Good employees are the lifeblood of any business. You may therefore be considering making your company more attractive to highly qualified workers by offering a competitive benefits package that includes perks like an employer-matched 401(k) plan, paid vacation days, sick time, life insurance, and health insurance. When you are shopping for insurance products for your employees, you will find that there are several different kinds of healthcare coverages available to choose from. These include HMOs, PPOs, and managed care plans as well as policies with different deductibles, copays, coverage limits, and prescription plans. You may therefore find it beneficial to have the assistance of a local insurance professional. An independent agent can help you find suitable, yet competitively priced, health and life insurance policies to include in your employee benefits package. Why Work with an Independent Insurance Agent in Bicknell, IN? Local independent insurance agents can help you build a comprehensive business insurance policy package. These agents can offer guidance and advice as you navigate through your many options and can obtain customized quotes from a variety of top-rated insurance companies on your behalf. That way, you can be sure you are purchasing suitable coverage at a competitive price. Set up a one-on-one consultation with an insurance agent near you to get started.

https://www.trustedchoice.com/l/indiana/business-insurance/bicknell/

Industrial fires can have catastrophic consequences, resulting in loss of life, property damage, and business interruption. According to the National Fire Protection Association (NFPA), an estimated 37,000+ fires occur in industrial and manufacturing properties each year, causing an average of 16 civilian deaths, 273 civilian injuries, and greater than $1 billion in direct property damage. Per Facility Executive – “82 percent of manufacturing firms have experienced unplanned downtime in the last three years, with an average cost of $260,000 per hour.” To mitigate these risks, industrial facilities must have reliable and effective fire suppression systems in place. Industrial fire suppression systems are specialized systems designed to detect, extinguish or control fires in industrial settings such as manufacturing plants, warehouses, power plants, and chemical facilities. These systems use various technologies and methods to detect, suppress, or extinguish fires, including water-based, gas-based, foam-based, and powder-based agents. Each type of industrial fire suppression system has its advantages and limitations The choice of system should be based on a careful analysis of the fire hazards and risk factors present in the facility. A qualified fire protection solution provider can help assess the fire protection needs and recommend the appropriate system design and installation. The choice of fire suppression system depends on the type of fire hazard, the nature of the materials involved, the facility layout, and other factors. Here are some of the common types of industrial fire suppression systems: These systems use water as the primary extinguishing agent and are most suitable for Class A fires (those involving ordinary combustibles such as wood, paper, cloth, or plastics). Water-based systems can be further classified as wet pipe, dry pipe, deluge, or pre-action systems, depending on the specific application. It is important to remember that water-based systems are traditionally designed to protect the structure itself. If there is a concern for protecting equipment and/or minimizing down time, additional systems discussed below should be considered. These type systems are typically inert or synthetic. Inert gases systems utilize raw products such as carbon dioxide (CO2), nitrogen (N2), or argon (Ar) to suppress fires by reducing the oxygen concentration in the protected area or disrupting the fire triangle. Gas based (Clean Agent) systems can also include synthetic gaseous agents such as FM-200 and Novec. Gas-based systems are ideal for Class B fires (those involving flammable liquids and gases) and Class C fires (those involving electrical equipment). Clean Agent systems are ideal for data centers, telephone equipment rooms, turbine enclosures, CNC machines and other applications with sensitive electronics. These systems use foam as the extinguishing agent and are most effective for Class A and B fires. Foam-based systems create a blanket of foam that smothers the fire and prevents re-ignition. Foam can be applied in different forms, such as low-expansion, high-expansion, or compressed air foam. These systems use dry chemical powders such as monoammonium phosphate (MAP), sodium bicarbonate (NaHCO3), or potassium bicarbonate (KHCO3) to extinguish Class A, B, and C fires. Powder-based systems are effective in high-risk areas where rapid fire knockdown is critical, such as chemical storage rooms, flammable liquid storage areas, paint spray booths or process equipment. Industrial fire suppression systems can be complex systems that involve various components and subsystems, such as detectors, alarms, valves, piping, nozzles, and control panels. These components must be properly designed, installed, tested, and maintained to ensure optimal performance and reliability. Best practices for industrial fire suppression system design and maintenance Industrial fire suppression systems are critical for protecting people, assets, and businesses from the devastating effects of fire. However, to ensure that these systems perform as intended, it’s essential to follow best practices for their design and maintenance. Below are some best practices for industrial fire suppression system design and maintenance: Conduct a thorough fire risk assessment: Before selecting a fire suppression system, it’s important to conduct a comprehensive fire risk assessment to identify the potential fire hazards, assess the fire growth potential, and determine the fire protection objectives. The assessment should consider factors such as the type of materials stored or processed, the occupancy type and density, the location and size of the facility, and the potential ignition sources. Based on this assessment, the appropriate fire suppression system can be selected, and the system design can be optimized for the specific hazards and risks. Choose the right system for the application: The fire suppression system should be selected based on the type of fire hazard, the nature of the materials involved, the facility layout, and other factors. The system should be designed to provide optimal fire detection and/or suppression performance while minimizing collateral damage, loss of life and/or business interruption. The choice of system should also consider factors such as system cost, maintenance requirements, and environmental impact. Install the system correctly: The fire suppression system should be designed and installed according to the manufacturer’s specifications by a manufacturer certified/authorized distributor and installation company and the relevant codes and standards to include 3rd party insurer’s (ie Factory Mutual or others) enhanced requirements. The installation should be designed by a qualified fire protection designer who is either a fire protection engineer or who has NICET Level III or higher certification to ensure that the system components are properly designed, installed and configured. The installation process should also consider factors such as accessibility, ease of maintenance, and future expansion. Hiller is a manufacturer certified/authorized distribution distributor and installation company for most major fire protection manufacturers. In addition, our design teams, located throughout the United States, include Fire Protection Engineers, PE’s, and NICET III and NICET IV designers. Conduct regular maintenance and testing: Regular maintenance and testing of fire suppression systems are critical for ensuring optimal system performance and reliability. The frequency of maintenance and testing should be based on the system type, the manufacturer’s recommendations, NFPA and the local codes and standards. Maintenance and testing activities may include inspecting system components, testing system functionality, and replacing system components as necessary. Train personnel on system operation and maintenance: Personnel who are responsible for operating and maintaining the fire suppression system should receive appropriate training on system operation, maintenance, and emergency response procedures. The training should cover topics such as system operation, alarm response, emergency evacuation procedures, and proper use of firefighting equipment. Training should be conducted regularly and updated as needed to ensure that personnel are familiar with the latest system features and procedures. Hiller provides training as part of all system installations we perform at no additional cost. Hiller is also available to perform training for your team for systems that are already installed. Maintain accurate documentation: It’s important to maintain accurate documentation of the fire suppression system design, installation, maintenance, testing, and training activities. This documentation should include system drawings, specifications, inspection reports, test results, training records, and emergency response plans. Accurate and readily available documentation can help ensure that the system is maintained properly and can assist in troubleshooting system issues and verifying compliance with local codes and standards. Hiller maintains records electronically of all installations that we perform. In addition, Hiller utilizes a digital inspection platform that houses all inspection and repair documentation performed on your system that can is be made accessible to you. Stay up to date on code and regulatory changes: Codes and regulations governing fire suppression systems change over time. It’s important to stay up to date on these changes and ensure that the fire suppression system remains compliant with the latest requirements. Compliance with codes and regulations can help ensure that the system is effective and can also help prevent legal and financial liabilities. If you have a question about the fire codes, contact Hiller and we will walk you through what it means for you and your facility. Following these best practices for system design and maintenance can help ensure that these systems perform as intended and provide optimal protection.

https://hillerfire.com/resources/industrial-fire-suppression-systems/

This Refund Policy (“Policy”) describes the terms and conditions regarding refunds for services offered by https://hireacyberexpert.com. Please read this Policy carefully before making a purchase. By using our services, you agree to abide by the terms outlined herein. 1. Refund Eligibility We offer refunds based on the type of service purchased and specific conditions. Refund eligibility is determined as follows: - Full Refund: A full refund is available if a request for a refund is made within 30 days of the purchase date. - Partial Refund: A partial refund may be granted under special circumstances, and the amount of the refund will be determined at our discretion. 2. Services Not Eligible for Refund The following services are not eligible for a refund: - Downloadable or Digital Products: Services that are delivered electronically or made available for download. - Customized or Personalized Services: Services that are tailored to meet individual client requirements. 3. Refund Request Procedure To request a refund, please fill contact form on our website. - Provide proof of purchase, such as a receipt or order number. - Allow 5 days for our team to review and respond to your request. 4. Refund Processing - Refunds will be processed using the same payment method used for the original purchase. - It may take 5 days for the refund to be reflected in your account, depending on the policies of your payment provider. 5. Dispute Resolution In case of any dispute regarding a refund, please contact our customer support team using contact form on our website. We will endeavor to resolve the issue promptly and amicably. 6. Changes to this Policy We reserve the right to modify this Refund Policy at any time. Any changes will be effective immediately upon posting the revised Policy on our website. We encourage you to review this Policy periodically for any updates. 7. Contact Us If you have any questions, concerns, or requests regarding this Refund Policy or our refund process, please contact us using contact form on our website. By using our services and making a purchase, you agree to the terms of this Refund Policy.

https://hireacyberexpert.com/refund-policy/

Boiler installation in Macclesfield, Cheshire If you’re looking for a reliable, experienced boiler installation and maintenance company in Macclesfield, Cheshire, then look no further than Priory Plumbing and Heating. We have been providing boiler installation services for over 20 years, and we are experts in all aspects of boiler maintenance and repair. High-Quality Boiler Installation Services in Macclesfield We understand that having a reliable boiler is essential in today's world. Not only does it keep your home warm, but it also helps to save you money on your energy bills. That's why we take great pride in our work, ensuring that all of our installations are carried out to the highest standards of safety and efficiency. We are fully trained and certified in all aspects of boiler installation, so you can be sure that your new boiler will be installed correctly and safely. To learn more about our boiler fitting in Macclesfield, fill out our online contact form. Why Choose us? Whether you are looking to replace an old boiler, upgrade to a more efficient model, or install a brand new one, we can help. We can provide you with advice on the most suitable boiler for your home, depending on your needs and budget. In addition to boiler installation, we also provide maintenance and repair services. Our team has the skills and expertise to carry out repairs quickly and efficiently, so you can get back to enjoying a warm, comfortable home as soon as possible. We also offer annual boiler servicing, so you can rest assured that your boiler will be regularly checked and serviced. Get in Touch for a Boiler Installation in Macclesfield At Priory Plumbing and Heating, we take great pride in providing a professional, reliable and friendly service to our customers. So, if you’re looking for a boiler installation or repair service in Macclesfield, Cheshire, then don’t hesitate to get in touch. Give us a call today on 07980 916245 and we’ll be happy to discuss your requirements and provide you with a free, no-obligation quote.

https://prioryplumbingheating.co.uk/services/boiler-installation-macclesfield

Edited by: Keri Stooksbury - The 5 Best Medical Evacuation Travel Insurance Plans - Best Medical Evacuation Travel Insurance for Europe: IMG - Best Medical Evacuation Travel Insurance for Antarctica: Aegis - Best Medical Evacuation Travel Insurance for Costa Rica: WorldTrips - Best Medical Evacuation Travel Insurance for $1 Million Coverage: TravelSafe - Best Medical Evacuation Travel Insurance for Cruises: Seven Corners - What Is Medical Evacuation Travel Insurance? - Is Medical Evacuation Travel Insurance Worth It? - What Medical Evacuation Travel Insurance Costs - What Medical Evacuation Travel Insurance Covers - Types of Medical Evacuation Travel Insurance - What To Look for in a Medical Evacuation Travel Insurance Policy - How To Get Medical Evacuation Travel Insurance - Final Thoughts We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone. Leaving your destination in a medevac helicopter probably isn’t in your travel plans. But if you need emergency medical evacuation, it will be costly and may be difficult to coordinate without help. A medical evacuation travel insurance plan can cover some or all of the costs of emergency medical evacuation and help you get the medical care you need when it matters most. If you’re considering a medical evacuation travel insurance policy, read this guide to learn how this type of travel insurance coverage can help you, when it’s worth it, what it costs, and how to choose the best plan for your needs. The 5 Best Medical Evacuation Travel Insurance Plans Many travel insurance policies offer emergency medical evacuation benefits, so you have many options to compare. We considered travel insurance plans with at least $500,000 in emergency medical evacuation benefits and coverage for emergency medical care, trip cancellation, and trip interruption. Consider these medical evacuation travel insurance plans with a good value for the coverage provided: SCROLL FOR MORE |Medical Evacuation Travel Insurance Plan |IMG iTravelInsured Travel SE |Trip cancellation and interruption, medical evacuation, and primary medical coverage |Aegis Go Ready Choice |Trip cancellation and interruption, secondary medical coverage, and medical evacuation |WorldTrips Atlas Journey Economy |Costa Rica evacuations |Trip cancellation and interruption, secondary medical coverage, and medical evacuation |$1 million coverage |Trip cancellation and interruption, primary medical coverage, and medical evacuation |Seven Corners Trip Protection Choice |Trip cancellation and interruption, primary medical coverage, and medical evacuation Best Medical Evacuation Travel Insurance for Europe: IMG With IMG’s iTravelInsured Travel SE, your medical evacuation benefits are up to $500,000 if a local attending physician and IMG’s travel assistance services provider determine your condition is acute, severe, or life-threatening and medically necessary treatment isn’t available where you are. IMG will pay to return you to your point of origin, your primary residence, or a hospital or medical facility closest to your home. If applicable, costs covered include air and land transportation, including an air ambulance and medical escort. IMG pays covered expenses directly to the service provider if payment is required upfront — so you don’t have to think about paying a huge bill before getting home safely. In addition to medical evacuation coverage, you’ll get trip cancellation and interruption insurance. The $250,000 medical benefits offer primary coverage, so you don’t have to go through regular insurance first. For this plan, we got a $53.49 quote for a 35-year-old visiting Switzerland. Best Medical Evacuation Travel Insurance for Antarctica: Aegis The Aegis Go Ready Choice plan offers medical evacuation coverage even when traveling to far-flung Antarctica with limited services. This plan offers evacuation to the nearest adequate medical facility if you experience a medical emergency during your trip. It covers medically appropriate transportation and medical care en route to the nearest suitable hospital if the on-site attending physician certifies that you’re medically able to travel and there is no suitable local care available. Aegis will also fly 1 person of your choice — subject to a maximum of $3,000 — to your place of hospitalization and provide lodging and meals up to $300 per day for 15 days. On top of medical evacuation coverage, this plan covers 100% of your costs for trip cancellation and 150% for trip interruption. Emergency medical coverage is for up to $500,000, though it’s secondary coverage, so you’ll have to exhaust other available insurance options first. This plan was quoted to us for $100.57 for a 35-year-old visiting Antarctica. Best Medical Evacuation Travel Insurance for Costa Rica: WorldTrips Using the WorldTrips Atlas Journey Economy plan, you’ll get up to $500,000 in medical evacuation benefits if you need a physician-ordered medical evacuation. That includes medically appropriate transportation and necessary medical care en route to the nearest suitable hospital. The coverage applies if you’re critically ill or injured and no suitable local care is available. It also covers non-emergency repatriation to get you to your home or hospital in the U.S. for proper care, plus transportation, hotel, meals, phone calls, and local transportation for 1 person of your choice if you’re hospitalized for 24 hours or more. While the medical evacuation coverage is comprehensive, emergency medical coverage is limited to only $10,000 of secondary coverage. But you also will be covered for up to 100% of your total cost with trip cancellation and interruption benefits. Our quote for a 35-year-old visiting Costa Rica came to $114. Best Medical Evacuation Travel Insurance for $1 Million Coverage: TravelSafe If you need up to $1 million in medical evacuation coverage, you can get it from TravelSafe’s Classic plan. You can use this benefit to get to the nearest suitable medical facility if your condition is acute, severe, or life-threatening, and adequate medically necessary treatment isn’t available in your immediate area. It also covers medical evacuation expenses to return you to your point of origin or a medical facility closest to your primary residence. This plan also includes up to $25,000 for non-medical evacuation, which applies if you need transportation due to natural disasters or civil or political unrest. And emergency medical coverage offers up to $100,000 per person. Trip cancellation covers up to 100% of your trip cost and trip interruption up to 150%. For a 35-year-old visiting Costa Rica, this plan came out to $122. Read our Travelsafe insurance review for more information on all of their plans. Best Medical Evacuation Travel Insurance for Cruises: Seven Corners On a Seven Corners Trip Protection Choice plan, you’ll get up to $1 million in medical evacuation coverage. It applies if you have a severe, acute, or life-threatening condition and can’t get medically necessary treatment in your immediate area. It can include a medical escort who can provide medical care during transportation. You can also get transportation back to your point of origin, primary residence, or a hospital or medical facility closest to your primary residence. If you’re traveling alone and will be hospitalized for more than 7 consecutive days or unable to travel after your evacuation, Seven Corners will pay airfare for a person of your choice to support you. Or, you can get reimbursed for a traveling companion’s expenses if you’re hospitalized for at least 3 days. Emergency medical coverage offers up to $500,000 in primary coverage benefits with no medical deductible. Trip cancellation benefits cover up to 100% of your trip cost, and trip interruption covers up to 150%. Our quote for this plan came to $139 for a 35-year-old cruising Mexico. What Is Medical Evacuation Travel Insurance? Medical evacuation travel insurance is a type of travel insurance that can cover the costs of medically necessary emergency evacuation. It applies if you become seriously injured or ill on your trip and there are no appropriate medical facilities where you are. With medical evacuation coverage, your insurance generally pays for transportation costs to get to a medical facility with adequate care, which may include land and air ambulance. It also covers the price of a medical escort and may provide coverage for a companion to help you during a hospitalization. Medical evacuation policies frequently offer repatriation benefits, which can get you home after emergency medical treatment. Medical evacuation travel insurance is crucial if you plan to visit a remote destination or an area with limited medical facilities. With this coverage, you can travel confidently, knowing you can be transported to appropriate medical care without overwhelming costs. Is Medical Evacuation Travel Insurance Worth It? Medical evacuation travel insurance could save your life, and that’s priceless. Prompt medical care from a capable medical facility could be a matter of life and death, particularly if you’ve experienced trauma and need critical care as soon as possible. Getting medical evacuation travel insurance is often worth it compared to the out-of-pocket cost of medical evacuation. Sure, you might travel your entire life and never need an emergency medical evacuation. But if you do need medical evacuation, the costs can be catastrophic. Don’t overlook the value of the support offered by an insurance company’s assistance hotline. If you’re seriously injured or ill, you may struggle to coordinate care and may face language barriers or unfamiliarity with local and regional medical care. An assistance hotline to coordinate care could be crucial in getting the lifesaving medical care you need. How much medical evacuation travel insurance is worth to you depends on your health conditions, where you plan to travel, and what you plan to do when you travel. If you travel domestically or to locations with robust healthcare facilities, medical evacuation travel insurance might not be beneficial to you. On the other hand, if you plan to visit remote locations or destinations with limited access to medical care, medical evacuation travel insurance is probably worth getting. It’s also a good idea if you plan to engage in activities with a high risk of accidents or injuries, such as backcountry skiing or mountaineering. Consider these factors as you determine whether medical evacuation travel insurance is worth it for you: - Your destination and its medical infrastructure - Planned travel activities - Preexisting health conditions - Your financial ability to pay for evacuation expenses - How far you’re traveling from home Medical Evacuation Is Costly If you need medical evacuation, you should expect it to cost at least $20,000 just for transportation, according to Allianz Travel Insurance. That number can increase exponentially to $200,000 or more if evacuation is complicated, such as needing a medevac from a remote mountain. Emergency transportation can also cover the cost of getting you home once you’re stable. That might be more complicated than you’d think. You may need to ride home on a stretcher with a medical escort who can monitor your condition and administer care. This type of flight generally costs about $25,000 to $30,000, and an air ambulance may cost up to $50,000. These costs are only for transporting you to and from the hospital, as evacuation is just part of the cost of emergency medical treatment. It’s also best to get medical evacuation coverage as part of a comprehensive travel insurance plan with emergency medical coverage.Hot Tip: Don’t count on Medicare to cover medical evacuation on a cruise ship or while traveling abroad. Medicare medical evacuation coverage is limited to particular circumstances. For example, Medicare may pay when you have a medical emergency in the U.S., and a foreign hospital that can treat you is closer than any hospital in the U.S. Credit Card Travel Insurance May Limit Medical Evacuation Coverage Credit cards with travel insurance coverage may provide medical evacuation benefits, but not all do. Check the limits on your medical evacuation benefit and understand that actual medical evacuation costs could exceed your benefits. For example, Chase Sapphire Reserve® covers up to $100,000 in emergency evacuation and transportation costs. That might be enough if you’re not too far from adequate medical care, but it’s probably not enough coverage to get you out of a remote area with a severe injury. Some credit cards offer medical evacuation coverage with no limit. The Platinum Card® from American Express is one of the best travel cards and offers emergency evacuation with no specified limit under its Premium Global Assistance coverage. If your credit card’s emergency medical evacuation coverage isn’t adequate for your needs, travel insurance with medical evacuation benefits may be worth it. What Medical Evacuation Travel Insurance Costs Medical evacuation travel insurance is often part of a comprehensive travel insurance policy. All of the quotes we got were about $50 to $140. You should expect comprehensive travel insurance with medical evacuation coverage costs of about 5% to 10% of your trip. Your cost of medical evacuation travel insurance may vary depending on factors including: - Age: Your age is a significant factor in medical evacuation travel insurance costs, as older travelers are considered more at high risk for travel insurance coverage. - Health Conditions: You may pay more for your policy if you need coverage for preexisting conditions. - Destination: Traveling to a location with limited medical facilities, high health care costs, or travel advisories may require paying a higher premium for medical evacuation travel insurance. - Travel Duration: The longer you plan to travel, the greater the risk, so you’ll pay more to insure an extended travel period. - Activities: The activities you plan on your trip, such as adventure sports, can increase the cost of your medical evacuation travel insurance premium. - Policy Details: Your policy’s coverage limits, deductibles, copayments, and features, such as emergency assistance services, will influence how much you pay to carry a medical evacuation travel insurance policy. Adventure travel insurance policies may cost more but deliver the coverage you need if risky activities are in your travel plans. What Medical Evacuation Travel Insurance Covers Your coverage with a medical evacuation travel insurance policy depends on the travel insurance company, plan, coverage selections, and other policy details. Still, you can generally expect a medical evacuation travel insurance policy to at least cover emergency medical evacuation along with medical treatment, monitoring, and coordination. Let’s look at some of the coverages common among medical evacuation travel insurance policies: - Emergency Medical Evacuation: This coverage covers the cost of transportation to the nearest suitable medical facility, which could require air, land, or sea emergency transportation with ambulance services. - Medical Escort: Medical escort coverage provides medical care and monitoring while you’re en route to a medical facility. For example, you may be escorted and treated by doctors and nurses on a medevac helicopter to a hospital. - Care Coordination: Travel insurance companies generally offer an emergency assistance line and coordination that can help you find and coordinate with local healthcare providers, monitor your situation, and communicate between you, the medical staff, and your family. They may facilitate admission to hospitals with financial guarantees. - Support Travel: Whether you’re traveling alone and need a support person to meet you or you have a traveling companion who needs to come with you, medical evacuation travel insurance may pay for transportation and other costs for a support person so you don’t have to be hospitalized without a trusted friend or family member. - Repatriation: Emergency medical evacuation travel insurance may pay to get you home or to a medical facility near your home after you’re stable. Types of Medical Evacuation Travel Insurance Comprehensive travel insurance plans are the most common type with emergency medical evacuation coverage. However, you may have access to specialized plans that focus mainly on emergency medical treatment and evacuation. These plans may offer higher coverage limits and more specialized services. You can also look for specialized travel insurance policies. For example, you’d want adventure travel insurance with medical evacuation if you plan to climb a remote mountain or cruise travel insurance with medical evacuation coverage if you’re concerned you may need medical evacuation from a cruise ship. It’s also worth considering an annual travel insurance policy or multi-trip coverage, which can cover all your travel within a year.Hot Tip: Read our travel insurance introductory guide to learn more about travel insurance options, which frequently include emergency medical evacuation coverage. What To Look for in a Medical Evacuation Travel Insurance Policy As you compare emergency medical evacuation travel insurance policies, consider these factors: - Cost: While the price of a medical evacuation travel insurance policy may pale compared to actual evacuation costs, you still want to be mindful of how much you pay for coverage. Consider adjusting coverage levels, deductibles, and copays to get the right coverage at a reasonable price. - Coverage Limits: Compare how much coverage you get from one policy to another. A policy may be more expensive but offer greater coverage. You should also look at the emergency medical coverage limits of each policy. - Covered Benefits: The features of medical evacuation travel insurance policies vary between companies and plans. Confirm that the plans you’re considering offer the benefits you want, such as transportation for a support person to join you in the hospital. - Policy Limitations: Make sure your policy doesn’t place limitations that would restrict key coverage, such as not covering the region or country you’re visiting, your trip exceeding the allowed duration, or your age or preexisting conditions excluding you from receiving full benefits. - Additional Coverage: Medical evacuation coverage may be a major consideration, but consider the complete package when choosing a travel insurance policy. Trip interruption and cancellation, emergency hotlines, and other coverage can be valuable features for protecting your trip. - Customer Service and Claims: Read customer reviews to learn about the claims process, how well the company delivers on claims and services, and what you can expect if you buy a policy. How To Get Medical Evacuation Travel Insurance You can usually get medical evacuation travel insurance as part of a comprehensive travel insurance plan. Start by getting quotes from travel insurance companies directly, or use a travel insurance comparison website such as Squaremouth to get quotes for multiple policies simultaneously. Another option is looking at the coverage offered when you book travel. For example, an airline or online travel agency may allow you to add travel insurance to your booking. Read the fine print to find out if it covers medical evacuation and learn about the coverage details. It makes sense to compare policies offered at booking to the quotes you can get independently from travel insurance companies. You may have travel protection, including medical evacuation coverage, available with your credit card. Check your benefits guide to see what’s covered, how much coverage you get, and when it applies. Emergency medical evacuation travel insurance can be critical coverage if you experience a medical emergency while traveling. Getting a travel insurance policy with medical evacuation coverage can offer a financial safety net and the assurance of lifesaving support in case of a medical crisis. While medical evacuation insurance can add to your travel costs, the savings can be exponential if you need to use your coverage. For rates and fees of The Platinum Card® from American Express, click here. Featured Image Credit: thanarak via Adobe Stock Frequently Asked Questions Does insurance cover medical evacuation? Regular health insurance and Medicare may cover medical evacuation under limited circumstances, but in most cases, your plan won’t cover it. Comprehensive travel insurance policies commonly offer medical evacuation coverage. How much medical evacuation insurance should I get? You should get at least $100,000 in medical evacuation insurance. If you’re traveling to a particularly remote or dangerous location, you may opt for medical evacuation insurance of up to $1 million. How much does it cost to be medically evacuated? Medical evacuation costs vary depending on the complexity of your evacuation but generally range from $20,000 to $200,000 just for transportation costs. What is the difference between medical evacuation and repatriation? Medical evacuation gets you to the closest medical facility that can treat you effectively, while repatriation brings you home. For example, you may get a medical evacuation to a regional hospital for critical care, then repatriation to a medical facility near your home once your condition is stable enough for travel. Was this page helpful? UP's Bonus Valuation This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

https://upgradedpoints.com/travel/best-medical-evacuation-insurance/

A total of $291,540 in funding has been approved for the local government areas of Bland, Narrandera and Coolamon for local floodplain management through the NSW Government’s Floodplain Management Program grants. Member for Cootamundra Steph Cooke has welcomed the grant funding that she says will help Councils better understand and manage local flood risk and exposure in the region. “I congratulate the Councils of Bland, Narrandera and Coolamon for securing this money to support their community through these projects,” Ms Cooke added. “The funding of these studies comes at a crucial time following the prolonged wet season that many of our rural areas have experienced.” The grants help with flood risk management studies, as well as the implementation of works to reduce risks such as flood levees, flood gates, warning systems, house raising or purchase in high-risk areas. Ms Cooke says the new grant projects will enable local councils, county councils and other government bodies with floodplain risk management responsibilities to undertake priority projects. This round of funding includes $137,600 for the Narrandera Shire Council for the Barellan levee design. The 49 projects funded under the 2021-22 Floodplain Management grants program, which total $9.54 million, are in addition to the 208 ongoing projects valued at $49.64 million being implemented from previous years’ funding rounds.

https://www.flownews24.com.au/post/funding-for-flood-management-in-the-riverina

How Prize Indemnity Insurance Works How Prize Indemnity Insurance Works: A Comprehensive Guide Prize indemnity insurance is a type of insurance thatevent organizers can purchase to protect themselves from financial losses in the event that they have to pay out a large prize. This type of insurance is commonly used by businesses and non-profit organizations that hold promotions, contests, and other events that involve giving away large prizes. In this article, we will explore the basics ofprize indemnity insurance, how it works, and why it is important for event organizers to consider. What is Prize Indemnity Insurance? Prize indemnity insurance is a type of insurance that protects event organizers from thefinancial riskof having to pay out a large prize. For example, if a company holds a promotion where the grand prize is a $50,000 car, they may purchase prize indemnity insurance to protect themselves in case someone actually wins the car. If someone does win the car, the insurance company will pay out the $50,000 to the winner, and the event organizer will not have to come up with the money themselves. How Does Prize Indemnity Insurance Work? When an event organizer purchases prize indemnity insurance, they are essentially shifting the financial risk of having to pay out a large prize to an insurance company. The event organizer pays a premium to the insurance company, which is typically a percentage of the total value of the prize being offered. In return, the insurance company agrees to pay out the full value of the prize if someone actually wins. Why is Prize Indemnity Insurance Important? Prize indemnity insurance is important for event organizers because it protects them from the financial risk of having to pay out a large prize. Without this type of insurance, event organizers would be responsible for paying out the prize themselves, which could be a significant financial burden. By purchasing prize indemnity insurance, event organizers can offer large prizes without having to worry about the financial consequences if someone actually wins. Tips for Choosing the Right Prize Indemnity Insurance If you are an event organizer considering prize indemnity insurance, there are a few things to keep in mind when choosing the right policy: 1. Make sure you understand the terms and conditions of the policy, including the premium, the payout limit, and any exclusions or limitations. 2. Shop around to compare rates andcoverage optionsfrom different insurance providers. 3. Consider working with an experienced insurance broker who can help you navigate the complex world of prize indemnity insurance. Insurance as a Financial Planning Tool Insurance is an important tool for managing financial risk, and it can play a key role in your overall financial planning strategy. By purchasing insurance policies that cover your most important assets and liabilities, you can protect yourself and your family from financial hardship in the event of an unexpected loss. Some examples of insurance policies that you may want to consider include: 1. Life insurance, which can provide financial support to your loved ones in the event of your death. 2. Homeowners or renters insurance, which can protect your home and belongings from damage or theft. 3. Auto insurance, which can cover the cost of repairs or replacement if you are involved in a car accident. 4. Disability insurance, which can provide income replacement if you are unable to work due to illness or injury. By working with a knowledgeable insurance advisor, you can develop a comprehensive insurance plan that meets your specific needs and helps you achieve your financial goals. Real-Life Examples of Prize Indemnity Insurance Prize indemnity insurance is a common tool used by event organizers to protect themselves from financial risk, and there are many real-life examples of how this type of insurance has been used successfully. For example: 1. In 2018, a car dealership in Texas offered a promotion where customers who purchased a car could win a $40,000 truck if the Houston Astros won the World Series. The dealership purchased prize indemnity insurance to protect themselves in case the Astros actually won, and when they did, the insurance company paid out the $40,000 to the lucky winner. 2. In 2019, a fast food chain in Canada offered a promotion where customers could win a $30,000 Jeep if they found a golden fry in their order. The company purchased prize indemnity insurance to protect themselves in case someone actually found the golden fry, and when someone did, the insurance company paid out the $30,000. Prize indemnity insurance is an important tool for event organizers who want to offer large prizes without taking on the financial risk themselves. By understanding how this type of insurance works and working with an experienced insurance advisor, event organizers can protect themselves from financial loss and offer exciting promotions and contests to their customers. As part of a comprehensive financial planning strategy, insurance can also help individuals and families manage financial risk and achieve their long-term goals.

https://www.howrefinance.com/insurance/3652.html

Approach to Risk Management As we conduct a wide range of business activities on a global level, we believe that a solid risk management system is essential for implementing our business strategies. In formulating long-term management strategies and medium-term management plans, risks are comprehensively identified and closely monitored as we conduct our business activities, while incorporating various measures to hedge risks. Risk Management Organization and System As an organization to supervise the overall risk management promotion, the Total Risk Management (TRM) Council meets monthly to identify and assess risks within the Group and promote risk prevention and countermeasures. The TRM Council is comprised of eight directors including the President serving as the Chair. Each meeting includes an Audit & Supervisory Board member who attends as an observer. Executive Officers of ID&E have the duty of conducting risk management related to the assigned duties each was given. Total Risk Management Council members consist of individuals who are at the Executive Officer level or above. Process for responding to apparent risk Risk Management Plan Formulation and PDCA Cycle Based on the Basic Policies on the Development of Internal Control System established by the Board of Directors, ID&E has formulated a Group-wide Risk Management Plan and is promoting systematic risk management. Each division identifies and evaluates risks associated with its business activities each fiscal year, formulates specific management measures to prevent risk events from materializing or to minimize the possibility of losses, and drafts a risk management plan. After compiling risk management plans for each department and discussing and formulating a Group-wide risk management plan, TRM regularly monitors the progress of the risk management plan, review the progress, issues, and future countermeasures, and implements a PDCA cycle. When a significant risk event becomes apparent, we conduct an assessment of the risk management plan, take necessary measures and improvements, and reflect them in the risk management activities of each division. In addition, the status of risk management at Group companies is reported to the TRM Council by the heads of each department, and it is monitored on a regular basis. In the event of a crisis, in accordance with the Crisis Management Regulations, a Company-wide emergency task force or emergency task force of the relevant department is established to respond appropriately to the crisis after promptly reporting to the President (who serves as Chair of the TRM Council). Business Continuity Initiatives If we do not have adequate countermeasures for natural disasters as well as for epidemics and outbreaks of infectious diseases, there is a risk that we will be forced to suspend operations for a long period of time, which could result in significant losses that would have a major impact on our stakeholders. As a company involved in the infrastructure that supports people's daily lives, we believe that it is our social responsibility to continue to provide stable services. Therefore, we have established a business continuity plan (BCP) and are working to create and regularly review procedures for responding quickly and appropriately in the event of a crisis.

https://www.id-and-e-hd.co.jp/english/sustainability/governance/risk-management/

Pricing ambiguity in catastrophe risk insurance Ambiguity about the probability of loss is a salient feature of catastrophe risk insurance, where historical loss data are limited. Hurricane insurance is a prominent example. Evidence shows that insurers charge higher premiums under ambiguity – that is, where there is uncertainty about the relative likelihood of events. However, in doing so they rely on simple heuristics, rather than being able to turn to pricing tools that formally link ambiguity with the insurer’s underlying economic objective. The authors of this paper apply a newly developed insurance pricing model to two catastrophe model data sets relating to hurricane risk in two locations in the Atlantic basin. The model considers an insurer who maximises expected profit but is sensitive to how ambiguity affects its risk of ruin. The authors estimate ambiguity loads – i.e. the extra insurance premium due to ambiguity – and show how these depend on the insurer’s attitude to ambiguity. They also compare these results with those derived from applying model-blending techniques, which have recently gained popularity in the actuarial profession, and show that model blending can lead to the counterintuitive result that the insurer prices catastrophe risk contracts as if it seeks ambiguity. Key points for decision-makers - The authors applied an ‘alpha-maxmin’ model recently proposed by Dietz and Walker (2019) to two data sets, where conflicting catastrophe models create ambiguity about the probability of insured losses. The data sets both relate to hurricane risk in the Atlantic basin – one from Florida and the other from Dominica. - The authors demonstrate the practical use of the ‘alpha-maxmin’ model, an economic premium principle that treats ambiguity explicitly and thereby quantifies the ambiguity load as a function of the insurer’s attitude to ambiguity. They argue that applying this principle has the capacity to improve on ad hoc adjustments, even if this does not entirely negate the need for such adjustments. - The authors also compare the results from applying the ‘alpha-maxmin’ model with the premiums that would be quoted by an insurer applying popular model-blending techniques. The counterintuitive result is that these model-blending techniques can sometimes be inconsistent with insurer ambiguity aversion, implying the insurer is seeking ambiguity. This version of the paper updates previous versions published in May and September 2019.

https://www.lse.ac.uk/granthaminstitute/publication/pricing-ambiguity-in-catastrophe-risk-insurance/

Renters Insurance in and around Wasilla - Big Lake Home Is Where Your Heart Is There are plenty of choices for renters insurance in Wasilla. Sorting through coverage options and savings options to pick the right one can be overwhelming. But if you want cost-effective renters insurance, choose State Farm for covering all of your belongings and personal items. Your friends and neighbors enjoy unmatched value and straightforward service by working with State Farm Agent Allie Hewitt. That’s because Allie Hewitt can walk you through the whole insurance process, step by step, to help ensure you have coverage for everything you own inside your rental, including appliances, sound equipment, tools, mementos, and more! Renters coverage like this is what sets State Farm apart from the rest. Agent Allie Hewitt can be there to help whenever trouble knocks on your door, to get you back in your routine. State Farm provides you with insurance protection and is here to help! Why Renters In Wasilla Choose State Farm Renters often raise the question: Is having renters insurance beneficial? Think for a moment about the cost of replacing your possessions, or even just one high-cost item. With a State Farm renters policy in your corner, you won't be slowed down by abrupt water damage from a ruptured pipe. Renters insurance doesn't stop there! It extends beyond your rental space, covering personal items you've secured in a storage closet, on your deck, or inside your car. Renters insurance can even cover your identity. As more of your life is online, it’s important to keep your personal information safe. That's where coverage from State Farm makes a difference. State Farm agent Allie Hewitt can help you add identity theft coverage with monitoring alerts and providing support. As a value-driven provider of renters insurance in Wasilla, AK, State Farm strives to keep your home safe. Call State Farm agent Allie Hewitt today and see how you can save.

https://allieinthevalley.com/insurance/renters

Our news articles provide in-depth knowledge of all things insurance. Take a look at our articles below, they may be able to some questions about insurance and how insurance works. If you can’t find what you’re looking for here, feel free to reach out to us: E: 01843 861251 It is never an easy time if you are in a position where you need to make an insurance claim. To make things a little easier we have put together a breakdown to aid you in making an insurance claim, which includes a few things to keep in mind during the process. Many of us rely on our cars as our main form of travel. If our cars were to suffer damage or get stolen, it can cause a number of travel headaches in situations like picking up children from school or commuting to work. Are you responsible for managing a fleet of vehicles? If so, one of your top priorities should be ensuring that your vehicles and drivers are protected with the right insurance coverage. If your home incurs damage or your property is stolen, home insurance can cover you in a time of need. However, in some circumstances, your home and contents insurance policy may not cover your claim depending on certain factors. Having a car accident or incurring damage to your vehicle can be stressful. But car insurance will have your car covered, as long as the information you provided to your insurance company is accurate and up to date. Protected No Claims Insurance is a type of insurance policy designed to protect your No Claims Bonus.

https://cdc-insurance.co.uk/news/

Fire alarm panels are linked to multiple sensors that serve as control units for fire alarm systems. Recommended for larger premises and commercial buildings, the roles of a fire alarm panel include monitoring fires, alerting people about fire emergencies and powering fire detection systems. The panel has several sensors installed in different parts of the building to re-direct information about fire detection to the unit. The fire detection sensors monitor both temperature and environmental changes in the building then, provide rapid notifications of potential fire threats to the panel. Upon receiving the notifications, the fire alarm panel immediately alerts the occupants of the building about a fire emergency. A fire alarm panel also shows the exact location of the fire in the building. That ensures the safety of occupants and also minimizes property damage. Modern fire alarm panels can also be integrated with fire sprinkler systems and fire suppression systems to improve fire protection and safety on buildings. Apart from just alerting the occupants of the building, the unit can also be pre-programmed to automatically send alerts to the fire department during an emergency. Fire Safety Singapore offers the best quality and industry compliant fire alarm panels for residential and commercial spaces. Choosing Fire Alarm Panels The value of a fire alarm panel in saving lives and reducing the risks of damage to buildings during fire incidences is undeniable. However, it is always important that you know how to choose a fire alarm panel in order to experience the benefits. Below, we discuss the essential aspects of fire alarm panels to enable you make an informed choice. At Fire Safety Singapore, we provide two main types of fire alarm panels that you can select based on the size of the building, potential fire threats on the premises and your budget. These include conventional and addressable fire alarm control panels. Conventional fire alarm panels Conventional fire alarm panels are designed with several circuits that connect the fire sensors to the unit. This type of panel partitions the building into sections, each with a sensor. The sensors can be placed on each floor or selected parts of the building. Since the fire alarm panel has the floor plans for the building, it will instantly indicate the section where the fire is using a LED light. Installing the unit involves a lot of cabling but, the initial costs are relatively cheaper. Conventional fire alarm panels are suitable for small to medium-sized spaces like flats, restaurants, retail shops and schools. Addressable fire alarm panels Unlike their conventional counterparts, addressable fire alarm panels have a sophisticated design. But, they can handle higher capacities and also very flexible in terms of control. The unit is wired via a single or more loops with the sensors marked according to where each is placed on the building. That ensures that the person monitoring the system can immediately know the particular sensor that is activated. This unit not only pinpoints the floor where the fire is experienced but, narrows it down to the precise room. The loops used to wire addressable fire alarm panels ensures greater reliability since signals can still reach the control unit even if some cables experience problems. Perhaps, the main reason why most people opt for addressable fire alarm panels is their pre-programming provisions. The unit can be pre-programmed to the specific environmental requirements in the building. That enables them to initiate specific responses to different kinds of emergencies. Addressable fire alarm control panels are the ideal solution to concerns of false fire alarms. The system can monitor the flow of air across the smoke sensors to determine dust and debris that often cause false alarms. Our company also offers wireless fire alarm panels, which are the new-age version of addressable panels. These are primarily recommended for buildings or spaces where cabling is a challenge. Wireless fire alarm panels allow for remote connections with multiple mobile devices, which ensure immediate and better response to fire emergencies. Besides, they also have intelligent capabilities to monitor and report any faults in the system whenever they are detected. Order a Fire Alarm Panel Singapore Fire Safety Singapore is the right place to order a fire alarm panel Singapore. We highly recommend these systems for enhanced fire safety in all multiple occupancy residential units, commercial and industrial property across Singapore. Contact us today for the best fire alarm panel Singapore. HDB Registered Contractor License Number: HB-09-5474D

https://firesafetysingapore.com/products/panel/

The United States District Court for the District of Massachusetts has issued an opinion holding that the limit of a condominium unit owner's loss assessment coverage is the most the unit owner can recover for a single loss, even if there are multiple assessments in different policy periods that exceed the limit. It also held that an insurer who takes an examination under oath in bad faith may be liable under Mass. Gen. Laws ch. 93A for treble the attorney's fees and costs incurred in defending the EUO. Fire at a condominium building, loss assessments to unit owners, and insurance coverage for loss assessments Abigail Brennan owned a condominium unit in a building that was damaged by a fire in June 2017. She was insured by Metropolitan. At that time the policy had a "loss assessment coverage" that provided that Met would pay the first $1000 of any assessment to unit owners by the condominium association. The loss assessment coverage clause provided that Met would pay the limit “for your share of any loss assessment charged during the policy period.” It also provided, “Regardless of the number of assessments, the limit referenced above is the most we will pay with respect to any one loss.” On July 15, 2017, Metropolitan renewed the policy. During the term of this policy, on February 8, 2018, Met agreed to increase Brennan’s loss assessment coverage from $1000 to $50,000 for a premium increase of $10 per year. In July 2018 Metropolitan renewed the policy again, keeping the $50,000 in loss assessment coverage. On February 20, 2019, the management company for the condominium informed Brennan of a loss assessment of $84,124 for the losses sustained in the 2017 fire. She submitted the claim for loss assessment coverage on or around May 2, 2019. Met approved the claim after six months and paid her a $50,000 benefit. Met stated the six months was necessary to investigate whether Brennan knew she would receive an assessment prior to obtaining increased loss assessment coverage in February 2018. If she did, coverage would be voided as a known loss. On May 29, 2020 Brennan received a second loss assessment for the 2017 fire damage, this one for $75,000. She submitted a claim to Met, who denied it on the ground that the policy limited coverage to $50,000 for any one loss and she had already received $50,000 related to the 2017 fire through the first loss assessment. Brennan argued that the loss assessment limit reset with each policy term, so she was entitled to collect an additional $50,000. United States District Court for District of Massachusetts holds that policyholder is entitled to only one payment of policy limit, even though there were assessments for the loss in different policy periods In Brennan v. Metropolitan Property & Casualty Insurance Company, 2022 WL 1652275 (D. Mass.) (unpublished), the United States District Court for the District of Massachusetts presumed that the purpose of a policy provision purporting to limit an insurer’s coverage obligation to a certain amount regardless of the number of loss assessments is to limit the insurer’s obligation to pay no more than that amount, regardless of the overall total value of the loss assessments, or when the assessments were imposed. A different interpretation would allow an insured to recover unlimited benefits for a single loss. In addition, different unit owners might receive different insurance amounts based solely on when the loss assessments were charged compared to their policy periods. The court noted that “contract interpretation depends heavily on context and proceeds on the presumption that the parties were trying to accomplish something rational. . . . Common sense is as much a part of contract interpretation as is the dictionary or the arsenal of canons. Thus a contract should be interpreted in a manner that avoids absurd results and gives it effect as a rational business instrument.” The court held that, applying such common sense, the $50,000 limitation must be read as the limit for a single loss, regardless of the number of assessments across policy periods. (I wonder what the result would be if Brennan had switched carriers between the two assessments. Or if the first loss assessment was when the coverage was $1000, and the second assessment was after the coverage had increased to Court denies summary judgment to Metropolitan on allegation that it acted in bad faith in adjusting the claim for the first loss assessment Brennan alleged that Met engaged in unfair settlement practices in its handling of the first and second loss assessments. The court granted Met summary judgment with respect to the second loss assessment. In a somewhat damning opinion the court denied summary judgment to Met on the first loss assessment. With respect to the first loss assessment, Brennan alleged that Met had engaged in an unfair delay in an effort to avoid paying her more than $1000. Met argued that it was entitled to investigate whether Brennan had knowledge of a likely assessment prior to increasing her loss assessment coverage. If she had such knowledge coverage would not be available. The court did not disagree that Metropolitan had the right to investigate whether Brennan had knowledge that the assessment would be made prior to raising her claim limit. But the court pointed out that there were facts in the record indicating that that was not its primary concern. Those facts included that Metropolitan first maintained that Brennan had only $1000 in coverage rather than $50,000; failed to respond promptly to Brennan’s inquiries; went back and forth on whether its legal department had rendered an opinion on her claim; asked for documents from her that it should have already possessed and were in some cases of questionable relevance; and waited three months to demand an examination under oath, a demand which may have reflected an effort by Metropolitan to avoid paying her claim. The court held that a reasonable fact-finder could conclude that the examination under oath was not based on concerns over Brennan's knowledge of a likely assessment, but rather reflected a last-ditch effort by Met to avoid paying her claim after its legal department had concluded Met was otherwise obligated to pay $50,000. Court holds that legal fees incurred in defending examination under oath taken in bad faith may be actual 93A damages that can be trebled Met argued that Brennan suffered no cognizable injury under 93A where it ultimately paid her full claim on the first loss assessment. Brennan alleged that she was compelled to hire an attorney and incur legal fees and costs associated with producing over 400 documents to Met as a result of being forced to undergo the examination under oath. She also alleged she had to take out a loan to pay the first loss assessment. The court noted that her legal fees may be treated as actual damages. On my soapbox Every claims handler should read and understand this decision. It stands for the proposition that adjusting a loss is not a game in which the insurer should use whatever methods they can find to avoid paying the full value of a claim, even when they know the claim is covered and the amount of loss is not disputed. The consequences of failing to abide by that principle may be full damages under Mass. Gen. Laws ch. 93A, including the trebling of attorney's fees in the underlying case.

https://insurancecoveragemassachusetts.blogspot.com/2022/06/

Risk management is a critical component of healthcare organizations as it helps to identify, assess, and mitigate potential risks that may arise in the delivery of healthcare services. The purpose of this assignment is to gain real-world insight into how risk management programs operate within a healthcare organization by conducting an interview with an employee involved in risk management processes. For this assignment, a local healthcare organization will be selected, and an interview will be conducted to gather information about how the organization manages risk within its facility. In selecting a local healthcare organization for the interview, options such as acute care, urgent care, large multi-provider private medical clinics, assisted living facilities, and community/public health clinical facilities are all ideal choices to meet the requirements of this assignment. The aim is to choose an organization where an employee who is familiar with the risk management processes can provide sufficient information to answer the questions pertaining to the organization’s risk management practices. During the interview, several key questions should be addressed to gain a comprehensive understanding of the organization’s risk management practices. These questions include: 1. How does the organization identify and assess potential risks? 2. What strategies does the organization have in place to mitigate identified risks? 3. How does the organization monitor and evaluate the effectiveness of its risk management program? 4. Are there any specific regulations or guidelines that the organization follows in its risk management processes? 5. How does the organization prioritize and allocate resources for risk management activities? 6. Are there any recent incidents or events where the risk management program was tested or utilized? 7. How does the organization involve staff and stakeholders in the risk management process? 8. What role does technology play in the organization’s risk management program? 9. Are there any challenges or barriers that the organization faces in implementing its risk management program? 10. What recommendations does the interviewee have for improving the organization’s risk management program? After conducting the interview, a 750-1,000 word summary analysis of the interview needs to be composed. The summary analysis should include the questions mentioned above, along with the interviewee’s responses. It is important to cite appropriate references, as needed, to support the statements and rationale presented in the analysis. The APA Style Guide should be followed for formatting and referencing guidelines. In addition to addressing the interview questions, the summary analysis should also include other elements to provide a comprehensive overview of the organization’s risk management program. These elements may include a description of the organization, its mission and values, the importance of risk management in healthcare, and the potential impact of effective risk management on patient safety and quality of care. In conclusion, conducting an interview with an employee involved in risk management processes in a healthcare organization allows for a deeper understanding of how risk management operates in a real-world setting. The interview should address key questions related to how the organization identifies, assesses, and mitigates risks, as well as how it monitors and evaluates the effectiveness of its risk management program. The summary analysis should provide an overview of the interview questions and responses, as well as incorporate other elements such as the organization’s mission and values, the importance of risk management in healthcare, and the potential impact of effective risk management on patient safety and quality of care.

https://nursingessayhelp.org/the-purpose-of-this-assignment-is-to-gain-real-world-insight-into-how-risk-management-programs-operate-within-health-care-organizations-select-a-local-health-care-organization-where-you-can-conduct-9/

Hospital Fire Safety in the USA They are places of safety for newborns or elderly, and everyone in between. It’s why fire safety in healthcare facilities is so stringent and rigorously enforced. - By Jane Embury - Feb 06, 2014 Safety regulations require fire risk assessments, fire safety policies and an operational strategy for implementing them––including rehearsed plans for the safe evacuation of patients, staff and visitors. That initial assessment starts with a close examination of the possible risks against hospitals’ occupants, structure, resources and continuity of operations, and there are a number of assessment methodologies to understand the potential threats, identify the assets to be protected, and how best to mitigate against risk. Design teams take a multi-disciplinary approach to assessing hazards––from power failure to cyber attack, from civil disorder to fire and explosive detonation––and arrive at risk assessments that, hopefully, illuminate how that building should be designed, built and safely operated. But, the size and complexity of modern hospitals means that the risk of fire cannot be entirely avoided. What’s important is that it is detected quickly, contained and then dealt with. The history of fire safety in hospitals and elsewhere, in the USA and internationally, has been about “codifying by catastrophe”––only improving regulations once a fatal fire has taken place. The most significant fire, in terms of new regulation, was the St Anthony’s Hospital disaster in Effingham, Illinois in 1949, which killed over 70 people, including 11 newborn babies. From that disaster came regulations on flame-retardant materials and effective barriers to contain fires at the source, and a new recognition that containment was an integral part in minimizing fire risk. Fire regulations were again tightened following a 1961 hospital fire in Hartford, Connecticut, which was caused by a discarded cigarette that was dropped down a trash chute and 16 people died. Other changes to regulation were new rules on smoking on healthcare premises, and further requirements on fire-retardant materials, including wallpaper and ceiling tiles were instated. Underlining the importance of containment, an intern at the hospital said that those who lived had the doors to their rooms closed. Those who died had their doors open. However, the deadliest hospital fire in the U.S. took place at the Cleveland Clinic in May 1929 when over 120 people died, caused by nitrocellulose x-ray film being exposed to the heat of a light bulb. This caused explosions and the creation of poisonous gas. Following this, again codifying by catastrophe, Cleveland issued all fire fighters with gas masks and, nationally, new standards were introduced for the storage of hazardous materials, including x-ray film. Among other tragedies was a 1950 fire at Mercy Hospital, Iowa, a unit for mental patients. The fire, again perhaps caused by a discarded cigarette, claimed some 40 lives, and was able to spread rapidly in an old building. Containment, again. Although many lessons have been learned over the years, not all of them have been implemented in other parts of the world. In a hospital fire in Russia last year, nearly 40 people died––in a wooden building that had been previously ordered to close because of fire safety concerns. A further 38 died last year in a separate hospital fire near Moscow. Most fires start with the smallest of incidents––commonly, a dropped cigarette or electrical short-circuit. Others have a more bizarre cause; for example, an operating theatre at Ashford Hospital, England, had to be temporarily closed last year because a member of staff overcooked food in a microwave oven, filling corridors with smoke. But, if a fire does break out, it needs to be suppressed––with a sprinkler system, for example––and contained, which is where specialist glazing systems have an important role to play. These systems can contain a fire for up to 120 minutes––long enough for safe evacuation and emergency response. In a hospital environment, where ambient light has an important influence on staff morale and patient recovery, glazing systems can have both a functional and aesthetic purpose: helping in the recovery process and, if a fire breaks out, ensuring that it is contained at source.

https://securitytoday.com/articles/2014/02/06/hospital-fire-safety-in-the-usa.aspx?admgarea=mag

Neuropathy travel insurance Travel can be frustrating, especially when you have a medical condition such as neuropathy. That why we want to make it as easy as possible to find the right travel insurance. If you suffer from neuropathy and are concerned about whether travel insurance will be able to cover you, don’t worry – ours is travel insurance neuropathy sufferers can rely on. Neuropathy, sometimes referred to as peripheral neuropathy, is an illness affecting the nervous system, and can affect a sufferer in one or more of three ways: sensory neuropathy, which affects the sense of touch; motor neuropathy, which affects the control of muscles; and automatic neuropathy, which affects the body’s control of automatic functions such as blood pressure. InsureandGo will consider covering any medical condition, including neuropathy, on either single trip or annual travel insurance policies. Get a quote online and follow our simple medical screening process. What does neuropathy travel insurance cover? All of our travel insurance policies, including our travel insurance that covers neuropathy, feature a number of benefits, such as: - Holiday cancellation cover - Personal belongings cover - Delayed departure cover - Personal accident cover - Legal expenses cover - Cover for over 100 sports and activities - Medical and hospital expenses cover (including expenses related to any medical conditions you have declared and have been covered by us) What’s the age limit on neuropathy travel insurance? At InsureandGo, our policies have no age limit. Children with neuropathy can be included on any travel insurance policy, as long as they’re travelling with an adult named on the same policy. And our seniors travel insurance has no upper age limit, so travel insurance for neuropathy is available to everyone. If you have another medical condition, for example eczema, we can cover that as well! Does travel insurance for neuropathy cover coronavirus? All our policies, including our travel insurance for people with neuropathy, will cover you if you catch coronavirus abroad (as long as you’re not travelling against FCDO advice). We’ll also cover cancellation if you can’t travel due to catching coronavirus or being personally advised to self isolate. Read our page about coronavirus travel insurance for more information. If you still can’t find what you’re looking for, why not get in touch with us and we’ll try to help. Please note: ‘neuropathy travel insurance’ is a general term for one of our standard travel insurance policies including cover for other health conditions, which is subject to medical screening and may require an additional premium. We don’t offer specialist cover for this specific condition.

https://www.insureandgo.com/travel-insurance/medical/neuropathy/

If you’ve been struggling to keep your Matthews, NC home organized and tidy, it could be more than just an inconvenience—it may also affect your home insurance coverage. There are some circumstances in which clutter can make a home ineligible for certain types of coverage, so it’s essential to understand the risks involved and put a plan in place to mitigate them. In this post, JC Demo Insurance Group explains. The Hazards of Clutter Clutter can come in many forms—from stacks of old newspapers and magazines to piles of clothing or toys that never seem to stay put. No matter what form it takes, clutter can cause serious damage inside and outside of your home. For example, if a pile of books falls over onto an electrical outlet, it could cause a fire. It can also attract pests like mice or cockroaches, carrying disease into your living space. In addition, clutter can make it difficult for firefighters or other first responders to get around quickly should an emergency arise. Understanding that clutter isn’t necessarily excluded from home insurance policies is essential. However, if too much clutter in your home poses a significant hazard, insurers may be reluctant to provide coverage in certain cases. This is because clutter increases the risk of fires and other disasters within your house’s walls. To have access to full coverage for their homes, homeowners must demonstrate that their property is safe from hazards such as excessive clutter. Keeping your Matthews, NC home free from excess clutter can save you money on future insurance costs. Do you still have questions? Contact JC Demo Insurance Group today!

https://www.jcdemoinsurance.com/blog/2023/01/

How to Get Cheap Auto Insurance At 18 Want to know how to get cheap auto insurance at 18? Eighteen year olds are considered adults when it comes to voting and serving in the military. However, they are still considered kids when it comes to buying car insurance. While these rates will always be higher, there are things you can do to lower them. Here is a breakdown of some of the most common ways a young driver can reduce their cost of auto insurance. Get More That One Quote This should always be the case, but especially for teenagers. Finding cheap car insurance always involves getting more than one rate quote. Some websites can provide you with multiple quotes at the same time. Always check with your local independent agents. They have a better chance of finding affordable insurance for young drivers because they have access to several companies. Maintain Good Grades Insurance companies discovered long ago that students who make good grades also make safer drivers. By maintaining a B average in high school or a 3.0 in college, you can save hundreds of dollars a year on car insurance for teens. This discount can be as high as 10%. Keep Work Or School Close To Home Insurance companies want to know where you work and go to school because it affects how many miles you will drive in a year. How to get cheap auto insurance at 18 is easier when you work or go to school close to home. When you drive fewer miles than average, you qualify for low mileage discounts. Buy An Inexpensive Car You can't get cheap car insurance for an expensive car. Wait until you turn 25 to buy that fancy sports car. Until then, when you are still considered a kid by the car insurance companies, drive a less expensive and more practical car. Insurance companies charge less to cover cars that cost less to repair or replace. When your rates go down on your 25th birthday, you can get that high performance car of your dreams. Until then, think practically. Take A Driver's Education Course Although most schools have stopped offering these classes, they are still available and still a good way to save money on insurance for young drivers. Car insurance for teens encourages taking these classes. If your high school offers the class, then take it. Otherwise, you will have to pay for the class. Still, the cost of the course will be made up by the savings in insurance premiums. Consider A Higher Deductible When you are buying that less expensive car, put away the money you save and keep it available to pay a higher deductible if you should get into an accident. Higher deductibles mean more out of pocket expense if you get into an accident, but they also mean lower rates. And, the money you save will be more that the increase in the deductible. So long as you can keep the money for the higher deductible available, this can amount to a substantial savings without putting you at greater risk. How to get cheap auto insurance at 18 is relative. An eighteen year old will always pay more for insurance than an older driver because young drivers are a greater accident risk. Statistics clearly show a drop in the accident rate when drivers reach the age of 25. Insurance companies cover this additional risk by charging higher rates to younger and less experienced drivers. Still, there are things any young driver can do to lower those rates to a level that is more affordable. When buying insurance, be sure to ask about the availability of these discounts to lower your insurance costs. Category: Insurance - Auto - How to Lower Auto Insurance Costs What To Do - Why Get Car Insurance You Need it - How Much Is Auto Insurance a month - How to Get Cheap Motorcycle Insurance - Car Insurance for Non Residents - Where to Find - Car Insurance Deposit What You Have to Pay - Finding Best 3 Day Car Insurance - Young Driver Classic Car Insurance Who to call - How to Buy Auto Insurance Find Best Companies - Cheapest Car Insurance for Teenage Boys - How to Buy Car Insurance Find The Best Companies - What is Classic Auto Insurance - How to Find the Best Classic Car Auto Insurance - What Is the Average Cost for Motorcycle Insurance - Cheap Car Insurance for Women Finding Best Rates - Finding Best Hail Damage Car Insurance - Car Insurance for a Week Finding the Best - How to Buy Motorcycle Insurance - Best Car Insurance for Young Adults and Teenagers - How to Find Cheap Car Insurance - how to balance your mind and achieve greater happiness - Cultivating Resilience and Mental Toughness - Keys to Thriving Amidst Lifes Challenges - 50 positive affirmations to be read every day - Why Mind Balance is so important for everyone - Teenagers are rushing to MindBalance rather than wasting time on TikTok - Take the Wheel-Navigating Life Beyond the Screen - Mind Balance - A Comprehensive Solution for Navigating Modern Mental Health Challenges - Unlocking Potential - The Power of Personality Assessment in Overcoming Obstacles - Embracing Faith and Self - A Christian Guide to Personal Strengths and Weaknesses - Uniting in Universal Love - Embracing Commonalities Across Faiths - Bridging Divides - Understanding Barriers to Unity and Happiness in World Religions - Overcoming Ego and Self-Centeredness - Lessons from World Religions - Overcoming Prejudice and Intolerance - Guidance from Global Faiths - Cultivation and Improvement of Personality Traits to Deepen Ones Relationship with God - A Tapestry of Faiths - Exploring the Common Threads in World Religions - Fostering Harmony Among Christianity Islam Buddhism Hinduism and Judaism - Preparing Kids for Adulthood - 15 Vital Skills They Wont Learn in School - Cultivating Key Skills to Overcome Anti-Semitism and Hate - Navigating Diversity - Jerusalem's Tactical Approach to Interfaith Harmony - Living the Teachings of Jesus - 100 Lessons for a Compassionate and Faithful Life

https://www.smartguy.com/article/how-to-get-cheap-auto-insurance-at-18

Chargeback fraud is a serious problem that can have a devastating impact on small businesses. It occurs when a customer disputes a legitimate transaction and asks their bank to reverse the charges. This can leave the business owner without the product or service they provided, as well as the money. The video, “Small Business Fraud: Chargeback Fraud,” provides valuable insights into this growing threat and offers tips on how to protect your business. Here are some of the key takeaways: - The impact of chargeback fraud: The video highlights the domino effect of chargeback fraud. It can impact cash flow, profitability, and even lead to financial strain, layoffs, or even business closure. - Why chargeback fraud occurs: There are two main reasons why chargeback fraud occurs: intentional and unintentional. - Intentional fraud: This is when criminals steal credit card information or exploit a business’s return policy to get free products or services. - Unintentional fraud: This can happen when a customer doesn’t recognize a transaction on their statement, or if their account is taken over. - Common tactics used by fraudsters: The video outlines some of the common tactics used by fraudsters, such as stealing credit card information, account takeover, exploiting return policies, and working with insiders. - Tips for preventing chargeback fraud: The video provides several valuable tips for preventing chargeback fraud, such as: - Maintaining clear communication with customers about terms and conditions, return and refund policies. - Keeping proper documentation of all transactions. - Verifying transactions by checking IDs and matching signatures. - Taking payment security seriously by implementing robust security measures. - Addressing disputes promptly and working with customers to resolve them before they escalate to a chargeback. - Closely monitoring chargebacks and responding to them within the specified time. By following these tips, small businesses can take steps to protect themselves from chargeback fraud. The video also encourages viewers to reach out to their financial institution for further assistance and guidance. In addition to the tips mentioned in the video, here are some other things that small businesses can do to prevent chargeback fraud: - Use a reputable payment processor. - Educate your employees about chargeback fraud. - Be aware of the latest fraud trends. - Regularly review your chargeback history. Chargeback fraud is a serious problem, but it can be prevented. By taking the necessary precautions, small businesses can protect themselves from this growing threat.

https://www.spiritbank.com/2024/01/23/chargeback-fraud-a-growing-threat-to-small-businesses/

Strategic Limited Partners Health Insurance provides collaborative health coverage. It bridges the gap between insurers, healthcare providers, and policyholders. Crafting effective health insurance solutions, Strategic Limited Partners Health Insurance operates at the junction of collaboration and efficiency. This approach aims to deliver tailored health coverage by harnessing the strengths of various industry participants. Designed to cater to the diverse needs of its clients, this insurance model supports the strategic alignment of interests among stakeholders, aiming for better healthcare outcomes. With the client’s well-being as its core focus, Strategic Limited Partners Health Insurance embodies a dynamic, partnership-based approach to health coverage. This innovative insurance framework underpins the structure of modern, client-centric healthcare services, ensuring that every policyholder receives comprehensive support and quality care. Understanding Limited Partner Health Insurance Navigating the complexities of Strategic Limited Partners Health Insurance is essential for informed investment and healthcare decisions. Tailored for investors, such insurance plans blend meticulous risk management with the pursuit of wholesome coverage benefits. Definition Of Limited Partner Health Insurance Key Features Of Limited Partner Health Insurance - Tailored Coverage: Benefits and coverage options are customized to suit the lifestyle and business involvement of a limited partner. - Risk Allocation: Premiums and risk are calibrated taking into account the limited liability and involvement of the partner. - Flexibility: Plans can be adjusted based on the partnership agreement and the partner’s level of investment in the company. - Financial Efficiency: Often structured to be cost-effective, balancing premiums with the investment returns of the limited partner. Benefits Of Limited Partner Health Insurance |Covers healthcare expenses, which can protect the limited partner’s financial interest in the business. |Aligns with the principle of limited liability, safeguarding personal assets from business risks. |Ensures the health of partners, aiding in the ongoing success and stability of the business. |Allows for personalization based on the individual health needs and business involvement of the limited partner. Evaluating Coverage Options Factors To Consider For Optimal Coverage - Premiums: The monthly cost you pay for insurance. - Deductibles: The amount you pay out-of-pocket before insurance kicks in. - Co-payments and Co-insurance: Your share of the costs of a covered healthcare service. - Networks: Ensure your preferred doctors and hospitals are covered. - Prescription drug coverage: Assess if your medications are covered under the plan’s formulary. - Benefits: Additional services like dental, vision, and wellness programs. Comparison Of Different Health Insurance Plans |HMO (Health Maintenance Organization) |Lower out-of-pocket costs and a primary care physician coordinates your healthcare. |Those who prefer a lower premium and don’t mind network restrictions. |PPO (Preferred Provider Organization) |More provider options and no referral needed for specialists. |Individuals seeking more flexibility in choosing providers. |EPO (Exclusive Provider Organization) |A mix of HMO and PPO; you need to stay within a network, but no primary care physician is required. |Those who value a balance between choice and cost. |POS (Point of Service) |Combination of HMO and PPO features; you need a referral for specialists outside the network. |Individuals who are comfortable with primary care physician referrals. Assessing Specific Needs For Comprehensive Coverage - Chronic health conditions: Plans with better chronic disease management may be more cost-effective in the long run. - Family planning: Look for plans with good maternity and newborn care coverage. - Travel habits: If you travel frequently, consider plans with an extensive network or travel coverage. - Anticipated surgeries or procedures: Research which plans cover them and to what extent. Leveraging Strategic Partnerships Strategic Limited Partners Health Insurance optimizes collaborative efforts between insurers and healthcare providers to enhance coverage options. This approach to health insurance prioritizes integrated services and cost efficiency for beneficiaries, ensuring a streamlined healthcare experience. Exploring Strategic Partnership BenefitsEngaging in strategic partnerships allows for a multitude of advantages such as: - Shared expertise that drives innovation in product offerings - Cost-effectiveness through collaborative resource allocation - Risk mitigation by spreading exposure across entities - Access to a broader customer base for expanded market reach Collaborating With Industry Experts - Insights into emerging industry trends and technologies - Enhanced quality of care for policyholders - Improved claims processing efficiency Maximizing Coverage Through Strategic Alliances |Providers Network Expansion |Greater choice of physicians and healthcare facilities |Integrated Service Models |Streamlined care coordination and support services |Access to advanced health management systems Implementing Effective Coverage Strategies Tailoring Health Insurance For Limited Partners - Investment Levels: Aligning insurance premiums with investment returns. - Asset Protection: Leveraging health insurance as a tool to safeguard long-term financial health. - Flexibility: Creating plans flexible enough to adapt to life’s changes and transitions. Utilizing Customized Insurance Solutions |Concierge Health Services |Direct access to premium healthcare services. |Executive Health Plans |Comprehensive coverage for high-level stakeholders. |Targeted insurance for pre-existing conditions. Integrating Risk Management With Health Coverage - Assess Risk: Determine the personal and professional risks that could impact health coverage needs. - Strategize: Develop strategies to mitigate these risks through specialized health insurance products. - Implement: Execute the tailored health coverage strategy, integrating it with the overall risk management plan. “` The content above represents the essential section of a blog post about ‘Strategic Limited Partners Health Insurance’ with a focus on ‘Implementing Effective Coverage Strategies’. This section is structured using semantic HTML elements tailored for WordPress, with a mix of paragraphs, lists, and a table to present information in a clear and organized manner. Each H3 subheading has been provided in HTML syntax, and key phrases are bolded to draw attention and aid SEO. Cost-effective Approaches For Enhanced Coverage Maximizing Benefits Within Budget Constraints - Analyze current plan utilization to ensure you aren’t paying for unnecessary coverage. - Compare insurance providers during open enrollment to find more competitive pricing. - Take advantage of wellness programs that often lead to premium discounts. - Consider the benefits of joining a professional consortium which may offer group insurance advantages at a lower cost. Utilizing Resources For Affordable Insurance Solutions Frequently Asked Questions For Strategic Limited Partners Health Insurance What Is Strategic Partners Lp? Strategic Partners LP is a company that offers investment management and advisory services, focusing on asset and portfolio management for various investment vehicles. What Is Another Name For A Strategic Partner? Another term for a strategic partner is a business ally or collaborative associate. What Is Strategic Partner Organization? A strategic partner organization collaborates with others to combine resources and achieve mutual business goals. What Does It Take To Be A Strategic Partner? Becoming a strategic partner requires collaboration, sharing resources, jointly managing ventures, mutual benefits, risk sharing, and consensual decision-making. Navigating the complexities of health insurance can be challenging. Strategic Limited Partners Health Insurance presents an innovative solution. It’s paramount for policyholders, healthcare providers, and insurers to collaborate effectively. This synergy benefits all parties involved and paves the way for a more streamlined healthcare experience. Remember, choosing the right strategic health plan is a significant step towards safeguarding your wellbeing and financial stability.

https://www.useinsurancepay.com/strategic-limited-partners-health-insurance/

What caused the fire at the Triangle Shirtwaist Factory? What Started The Triangle Shirtwaist Factory Fire? On March 25, a Saturday afternoon, there were 600 workers at the factory when a fire began in a rag bin. The manager attempted to use the fire hose to extinguish it, but was unsuccessful, as the hose was rotted and its valve was rusted shut. Why was the Triangle Shirtwaist Factory fire a significant event in American history? One of the most horrific tragedies in American manufacturing history occurred in the Triangle Shirtwaist Factory in 1911 when a ferocious fire spread with lightning speed through a New York City garment shop, resulting in the deaths of 146 people and injuring many more. How did the Triangle Shirtwaist Factory fire affect industrial reforms? the triangle shirtWaist Fire of 1911 took the lives of 146 garment workers because of the lack of adequate safety precautions in the factory in which they worked in New York City. The fire led to reforms, and many new laws have been enacted since then to better protect the safety and health of workers. What problems did progressives see with life in the 1890s? Early progressives rejected Social Darwinism and believed that society’s problems, such as poverty, poor health, violence, greed, racism, and class warfare, could be best eradicated through better education, a safer environment, a more efficient workplace, and a more honest government. Who was blamed for the Triangle Shirtwaist fire? |March 25, 1911 |A fire breaks out at the Triangle Shirtwaist Factory in New York City, killing 146 people. |April 11, 1911 |Factory co-owners Isaac Harris and Max Blanck are indicted on charges of manslaughter. |Harris and Blanck are brought to trial and found not guilty. Did anyone survive the Triangle Shirtwaist Factory fire? Bessie Cohen, who as a 19-year-old seamstress escaped the Triangle Shirtwaist fire in which 146 of her co-workers perished in 1911, died on Sunday in Los Angeles. She was 107 and was one of the last two known survivors of the Manhattan fire, according to the Union of Needletrades, Industrial and Textile Employees. What causes a fire in an industrial facility? In a typical incident, combustible material comes into contact with an ignition source causing a small fire. These small fires go unreported, but they don’t come without consequences. Even small fires in industrial facilities cause loss of product, time and sometimes bodily injury. Why are there so many accidents in factories? Factory Accidents. Unguarded machinery was a major problem for children working in factories. One hospital reported that every year it treated nearly a thousand people for wounds and mutilations caused by machines in factories. How many deaths are caused by industrial fires? Vehicle fires accounted for an estimated average of 9% of industrial and manufacturing property fires) each year, with losses estimated at 6 civilian deaths, 17 civilian injuries and $125 million in direct property damage each year. Please contact us with any questions. When did the House of Commons report on factory accidents? A report commissioned by the House of Commons in 1832 said that: “there are factories, no means few in number, nor confined to the smaller mills, in which serious accidents are continually occurring, and in which, notwithstanding, dangerous parts of the machinery are allowed to remain unfenced.”

https://biosidmartin.com/what-caused-the-fire-at-the-triangle-shirtwaist-factory/

Owning a Nissan Terrano comes with the joy of driving a versatile and stylish SUV, but it also comes with the responsibility of ensuring its protection on the road. Car insurance for your Nissan Terrano is not just a legal requirement but also a safeguard against unforeseen events. Here are some essential facts you should be aware of when it comes to Nissan Terrano car insurance. Car insurance is mandatory in most countries, including comprehensive coverage for third-party liabilities. In case of an accident, your insurance covers damages to the third party involved. Without adequate insurance, you could face legal penalties, fines, or even the suspension of your driving privileges. While basic third-party insurance is mandatory, it’s recommended to opt for comprehensive coverage for your Nissan Terrano. Comprehensive insurance not only covers third-party liabilities but also safeguards your vehicle against theft, accidents, natural disasters, and vandalism. Personal Accident Coverage: Many car insurance policies provide personal accident coverage for the driver and passengers in case of an accident. This coverage offers financial support for medical expenses, disability, or even loss of life resulting from an accident. No Claim Bonus (NCB): If you don’t make any claims during a policy year, you’re eligible for a No Claim Bonus (NCB). NCB can significantly reduce your insurance premium during policy renewals and is a reward for safe driving practices. Add-Ons for Enhanced Protection: Car insurance providers offer various add-on options to enhance your coverage. These may include zero depreciation coverage, roadside assistance, engine protection, and more. Evaluate your needs and choose add-ons that provide the most relevant protection for your Nissan Terrano. Maintaining continuous car insurance coverage is crucial. Letting your insurance lapse could lead to higher premiums when you decide to renew. Moreover, you’ll lose any accumulated NCB if there’s a gap in coverage. Before choosing an insurance policy for your Nissan Terrano, it’s wise to compare offerings from different insurers. Look at coverage limits, premiums, deductibles, and customer reviews to make an informed decision. Many insurance providers offer cashless claim facilities at network garages. This means that in case of repairs, you won’t have to pay upfront – the insurance company settles the bills directly with the garage. Deductibles are the portion of a claim that you need to pay before the insurance coverage kicks in. Opting for higher deductibles can lower your premium, but make sure it’s an amount you can comfortably afford if needed. Renewing your Nissan Terrano car insurance is easier than ever, with online platforms allowing you to compare, select, and renew policies conveniently. Set reminders for renewal dates to ensure continuous coverage. Protect Your Nissan Terrano with the Right Insurance Your Nissan Terrano is not just a vehicle; it’s a valuable asset that deserves protection. Choosing the right car insurance policy ensures peace of mind and financial security in case of unexpected events. At [Your Insurance Company], we specialize in offering comprehensive and customized insurance solutions for your Nissan Terrano. Get in touch with us today to secure your vehicle’s future on the road.

https://gotechtip.com/nissan-terrano-car-insurance-crucial-facts-you-should-know/

Save up to $717 by comparing quotes from the top 100+ insurance companies Secure. Free. Easy-to-use. Based on 3,806+ reviews At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site. We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation. Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more. Car insurance is mandatory in most states, though required minimums vary. But if you don’t have access to a credit card or even a checking account, it can be challenging to pay your premiums. Fortunately, you can still purchase auto insurance if you don’t have a credit card or checking account. “You can pay for car insurance with cash, money orders, or prepaid debit cards,” says Jesse Cunningham, licensed agent and owner of Bauple, an independent insurance brokerage in Maryland. “None of these payment methods require a bank account.” Some companies even accept payments through PayPal or Apple Pay. It’s important to learn what your options are so you can ensure your coverage doesn’t lapse from nonpayment. Most insurers will accept cash, money orders, checking account payments, or prepaid debit cards. Some companies even accept PayPal or Apple Pay. Be sure to pay your premiums on time to avoid a lapse in coverage. How to pay for car insurance using a checking account Most insurance companies accept multiple forms of payment, and a credit card isn’t necessary to pay for auto insurance. If you have access to a checking account, you can pay your insurance premiums in various ways. “Most insurance companies will accept alternative forms of payment,” Cunningham says. He recommends speaking with an independent agent if you’re concerned about paying for car insurance without a credit card. Compare Car Insurance Quotes Secure. Free. Easy-to-use. Based on 3,806+ reviews Check (paper, electronic, or cashier’s) Writing a check isn’t as common as it used to be, but it’s a safe and convenient way of paying for your car insurance. A check is a document promising someone they’ll receive payment from you. You can mail a paper check, send an electronic check through your online banking software, or have your bank issue you a cashier’s check. Just make sure to mail your check early to avoid any late payments. I use my bank's online banking system to pay all my bills, including my car insurance premiums. It's safer and faster than mailing a check, and it's easy. I can even get reminder texts from my bank when a bill's coming due, so I never miss paying my premium and risking a lapse in coverage. When you open a checking account at a bank or credit union, you’ll typically receive a free debit card. A debit card looks like a credit card, but when you swipe it or enter its information for payment, the funds are directly deducted from your checking account. On the other hand, credit cards offer a revolving line of credit that users pay back after they spend with the card. If you choose to pay with a debit card, your insurance company can keep your card number on file and automatically charge you each month. That way, you don’t have to worry about missing a payment or lapses in coverage. Keep in Mind You’ll need to make sure you have enough money in your account to cover the payment when it’s due. Otherwise, you risk overdraft or returned payment fees from your bank and late payment fees from the car insurance company. Electronic funds transfers An electronic funds transfer (EFT) lets your insurance company receive the money electronically, instead of you writing a paper check. When you sign up for car insurance, you’ll give your insurance company your checking account and routing numbers. Then, the insurance company deducts the funds from your account each month when your payment is due. EFT is one of the safest forms of payment, and by setting up autopay you’ll never have to worry about your policy lapsing or canceling due to nonpayment. Some insurance companies even offer discounts for setting up autopay. Apple Pay allows you to store your card information in a mobile wallet on your phone. Currently, a few car insurance companies accept Apple Pay for premium payments — only State Farm, GEICO, and Progressive accept Apple Pay through their mobile apps. You may even be able to add your insurance cards to your Apple Wallet so you always have them on hand. How to pay for car insurance without using a checking account Approximately 5.9 million Americans are “unbanked,” which means no one in their household has a checking or savings account. Paying for car insurance without a checking account is slightly more difficult, but it’s possible. As you’re shopping around for different insurers, ask each company if it allows something other than a checking account for ongoing payments. Here are five ways you can pay for car insurance if you don’t have a checking account. However, not all car insurance companies will accept these payment methods, so it’s a good idea to contact a representative to see which payment methods an insurer accepts. PayPal or other mobile payment services PayPal is a payment platform you can access via a website or mobile app. It allows you to send and receive payments through online money transfers. Most car insurance companies don’t accept PayPal, but some do — for example, Progressive accepts this form of payment. A prepaid card isn’t linked to a bank account. Instead, you load money onto a card and can only spend up to that amount until you reload it. Many prepaid debit cards come with reload or monthly maintenance fees, so it’s an expensive way to store your money. Furthermore, if the prepaid card is lost or stolen, there’s usually no avenue to recover the funds. But if you can’t get a traditional bank account, a prepaid card can provide a stopgap for paying for car insurance. You can also purchase prepaid Mastercard or Visa cards and use them in place of a debit or credit card. Most insurance companies will let you pay for your car insurance with a prepaid card. Some insurance companies will let you set up a payroll deduction so your insurance payment is automatically taken out of your paycheck. Liberty Mutual and Travelers both offer this option to policyholders. Progressive accepts money orders as a form of payment. People can buy money orders to pay a business or another person as an alternative to a check. You can purchase a money order at a bank, credit union, or most U.S. Post Office locations. Money orders are also typically available at places like Walmart, most major grocery stores, and even gas stations. Money orders are a good option for people without access to a standard checking account since they’re safer than cash. However, you may pay a fee each time you purchase one. In-person cash payments Some insurance companies still accept cash payments at their local offices. You’ll have to check with your insurance company to see if it accepts cash as a payment option. If your insurance company won’t take cash, you could purchase a money order or use a prepaid card instead. Do all car insurance companies accept checks? Most major car insurance providers accept various payment methods, including checks. For instance, popular insurers like Progressive, State Farm, GEICO, and Allstate accept check payments. And companies that do accept checks usually accept paper, electronic, and cashier’s checks. Most will let you mail in a paper check or cashier’s check with the payment stub. You also may be able to log into the insurance company’s website or mobile app and enter your checking and routing numbers to send an electronic check. The advantage of setting up autopay with an electronic check is that you don’t have to worry about potential late payments. Compare Car Insurance Quotes Secure. Free. Easy-to-use. Based on 3,806+ reviews How does your credit score affect car insurance rates? Insurance companies consider your credit information to determine how much your car insurance policy will cost, depending on the state. Your insurance-based credit score is a rating that uses elements of your credit score to determine how likely you are to file an insurance claim. “Car insurance companies do a soft pull on credit as a part of their process to determine risk,” explains Cunningham. “Car insurance companies use data from credit scores to determine how likely a potential customer is to file a claim. There’s a correlation between lower credit scores and filing more car insurance claims.” California, Hawaii, Massachusetts, Michigan, and Washington prohibit insurance companies from using credit information to determine your insurance rates. But unless you live in one of those states, your credit history will influence your insurance premiums. You still can find cheap car insurance, even with a bad credit score. Raising your deductible and eliminating any unnecessary coverage will lower the cost. It’s also a good idea to receive quotes from multiple insurance companies. The following table outlines what you can expect to pay on average based on your credit rating. The better your credit rating, the lower your insurance premiums will be. Average Monthly Cost: Full Coverage Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile. Buying car insurance without a credit card FAQs Here are answers to some commonly asked questions about buying car insurance without a credit card. Can you pay your car insurance bill with your bank account? Yes, you can pay your car insurance bill with your bank account in several different ways. You can set up an electronic funds transfer (EFT) and automated clearing house (ACH) payments. You should be able to set this up through the billing section on your insurance company’s website or mobile app. Can you pay for car insurance with a check? Yes, most major insurance companies accept check payments. For example, Progressive, State Farm, GEICO, and Allstate all accept check payments. And companies that do accept checks usually accept paper, electronic, and cashier’s checks. Do insurance companies ask for your bank account number? If you pay your car insurance company directly through your checking account, you have to provide your banking information. You need to provide your checking account and routing numbers so your insurer can process the payment. You should be able to do this online or through your insurance company’s mobile app. And your insurance company will have security features in place to keep your banking information safe. Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area. Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher). Liability-only premium averages correspond to policies with the following coverage limits: Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident Property damage limits between $10,000 and $50,000 No additional coverage Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to: Comprehensive coverage with a $1,000 deductible Collision coverage with a $1,000 deductible Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates. Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.

https://insurify.com/car-insurance/no-credit-card/

As a Colorado and New Mexico personal injury lawyer, I have been effectively handling personal injury claims and product liability cases for over 40 years. Look to me for support and expertise in dealing with your pain and suffering cases either by trial If your concern is about a serious injury or death claim, get personal help right now! Fill out the Quick Evaluation Form on the right side of this page for an immediate personal response from me, Michael G. Rosenberg. I'll review and evaluate your claim for no cost, fee, charge, or obligation. If I accept your case, your personal injury, accident claim, automobile collision, or death claim will be handled competently Areas of Legal Practice: - Personal Injury; Insurance - Automobile Accidents and Injuries - Head Injury; Spinal Injury - Truck Accidents - Wrongful Death - Motorcycle Accidents - Liquor Liability - Uninsured and Underinsured Motorists. When you hire me, Michael G. Rosenberg, you get a highly experienced attorney, not a junior associate, not a legal assistant, paralegal, or secretary. Your call matters and time is of the essence! Every call goes directly to me or is forwarded to my personal cell phone. If I am in court, visiting an injured or hurt person in the hospital, or personally investigating the scene of a automobile accident, you will hear my personal message. Leave your name and number for my prompt response. In complex matters, Rosenberg Law builds a litigation team on a case-by case basis, getting the best lawyers and legal researchers to assist. Since the firm is not obligated to use a member of any particular law firm, we can hire the finest legal talent available. This system produces extraordinary results in handling personal, wrongful death, and product liability claims. About The Firm Learn What Really Happened in the McDonald's Coffee Burn Case? Evaluate Your Own Personal Injury or Death Claim Michael G. Rosenberg Attorney at Law Licensed in Colorado and New Mexico |QUICK EVALUATION FORM Four questions common to Personal Injury and Death claims: I can answer them for you when you submit this form: - How long will it take? - How much is my case worth? - How much will it cost? - Will I have to go to court?

https://mgrlaw.net/index.php

News & Events Top enterprise risk management certifications - March 31, 2023 - Posted by: email@example.com - Category: Blogs Since the early 2000s, governments and businesses have expanded regulatory compliance regulations that analyze companies’ risk management plans. As a result, an increasing number of businesses are required to monitor and report on the performance of enterprise risk management practices. Because of this emphasis on risk management certification, it has become one of the most important components of total business strategy. Risk management certificates in every industry assist practitioners in establishing measurements, understanding risk management and avoiding behavioral and decision-making errors. Risk management courses help frameworks make sound decisions under duress, explore alternatives using innovation principles, and achieve stakeholder buy-in for effective implementation. Selecting the best risk management certification teaches professionals how to identify and prioritize real and possible hazards, and they frequently employ matrices in the risk assessment process. Certified Risk Management Certification (RIMS-CRMP) The RIMS-Certified Risk Professional (RIMS-CRMP) credential is the only one that demonstrates your performance skills as well as your professional knowledge. When this risk management certification is added to your profile, it will demonstrate how skillfully you manage risk, providing value to your firm. The RIMS is a non-profit organisation that represents more than 3,500 organisations worldwide. Why earn risk management certification? ✔ Obtaining a RIMS-CRMP will demonstrate that you, as a lifelong learner with a strategic thought process, can navigate the existing and future risk environments. ✔ This professional distinction will demonstrate your enterprise-wide perspective, increase your earning potential, and prepare you for increasingly complex and well-paid tasks. ✔ You will undoubtedly gain a competitive advantage over your colleagues. ✔ RIMS-CRMP is currently the only risk management certification that has received ISO/IEC 17024:2012 approval. ✔ Continue to expand your knowledge and keep updated on risk management trends and practices. This demonstrates your commitment to professional growth and ensures that your expertise grows in tandem with industry trends/practices. ✔ Increase your position and respect, as well as your professional reputation. Everyone who sees risk management certification after your name will recognise you as an experienced, credible and ethical professional. ✔ Every two years, RIMS-CRMPs must recertify by obtaining 50 re-certification points. Re-certification demonstrates your dedication to the profession as well as your ongoing competence. The risk management certification (RIMS-CRMP) credential demonstrates risk management competencies, knowledge and a dedication to quality. It indicates the discipline’s required level of education, experience and ethics. Adding the RIMS-CRMP certification to your professional profile demonstrates that you have the knowledge, education and experience to manage risk and create value for your firm properly. Eligibility criterion for RIMS-CRMP – All RIMS-CRMP certification applicants must meet the following requirements: ✔ Bachelor’s degree or higher in Risk Management with 1-year full-time risk management job experience ✔ Bachelor’s degree with 3 years of full-time risk management work experience ✔ Management experience spanning 7 years. The RIMS-CRMP certification examination is given four times a year, with each test window lasting about 60 days. Applicants will be notified of their eligibility to take the exam, along with an authorisation to test, within 6 months. The exam must be taken within the 6-month term for which they are approved; otherwise, the examination fee will be forfeited, and the candidate must reapply as a new applicant. *Risk Management Experience is work that takes advantage of the opportunities and uncertainties connected with an organisation’s aims and objectives. Implementing, establishing, or leading risk management processes that enable a company to make risk-effective decisions that create and sustain value is part of this. Choosing the best risk management course is a risky procedure in and of itself. The best course for you is determined by a variety of criteria, including your current position, job description, organisation, affordability and short and long-term goals. If you already have basic risk management abilities and have carefully reviewed the contents of the RIMS-CRMP course, you can choose to connect with Netrika Consulting under their risk management certification program.

https://training.netrika.com/blogs/top-enterprise-risk-management-certifications/

In a challenging professional indemnity market, the API constantly strives to engage with industry stakeholders to support its Members to obtain competitive and more favourable Professional Indemnity Insurance (PII) policy coverage. APIV Compliance, Risk and Legal (CRL) Forum Last week, we held the third APIV CRL Forum which brings together compliance, legal and risk professionals from small to medium-sized valuation firms to discuss key industry issues and valuation industry challenges. Our third forum’s theme focussed on the State of the Insurance Market. Our guest speakers were Gary Ward and Stuart McKellar from Howden Insurance. Howden Insurance provided an insightful update on the trends of the insurance market in Australia, UK and overall global snapshot, as well as the state of the professional indemnity insurance market for Valuers in Australia. The forum formed an exciting new partnership between the API and Howdens; a new professional indemnity insurance solution for Members; Introducing PropSec. API has been working hard towards a suitable industry led resolution to the current PI Crisis. Whilst still in its formative stages, the proposed solution is to create a Discretionary Trust for API Members to protect and indemnify, and ensure PI costs remain viable for Members. A successful implementation will address members’ VPI challenges and deliver long-term benefits, including: - Pricing, limit and coverage sustainability - Potential to invest surplus funds in risk mitigation activities - Compliance with APIV Insurance Standards - Unrivalled expertise and insights from the Howden Broking team - Leveraging Members’ buying power, and - Simplifying renewal and underwriting process Woodina relaxes Lender Restrictions As part of API’s partnership with Woodina, our continued discussions with Michael Wood at Woodina ensures our Members receive favourable PII coverage. Recently, Michael Wood has informed us, for renewal of policies, there will be a relaxation of lender restrictions. For full details click here. Showcasing the Benefits of the APIV Professional Standards Scheme (PSC) The API is delighted to have been selected as a case study by the Professional Standards Council for their new PSC report. Commissioned by Taylor Fry, the report examines and evidences the benefits delivered by professional standards schemes, using quantitative and qualitative measures together with exploring the nexus between claims, notifications, complaints and premiums. Read the PSC report. We regularly keep Members updated with new initiatives via Member News and on our Professional Indemnity Insurance hub. If there are any queries in relation to this matter, please do not hesitate to contact the Standards team at [email protected]. Posted on May 31, 2022

https://www.api.org.au/professional-development/knowledge-hub/professional-indemnity-insurance-environment/

Recently, Bucks County Detective Tim Campbell was designated a Certified Insurance Fraud Investigator (CIFI) with the International Association of Special Investigative Units (IASIU). The Certified Insurance Fraud Investigator program is an accrediting process for individuals with the specialized skills required to detect, investigate, and deter insurance fraud. The program has a high standard for admission and testing, which includes adherence to IASIU’s code of ethics, and a demonstrated competency through mandatory continuing professional education. SIU Today magazine featured Detective Campbell. He said obtaining the designation as a Certified Insurance Fraud Investigator will allow him to “grow as a detective and insurance fraud investigator, but most importantly, it will constantly challenge me to learn more and utilize the resources it has to offer.” To read more, visit: http://www.brightcopy.net/allen/iasi/summer2020/index.php#/p/6 Also, the Bucks County District Attorney’s Office was recently approved for our fiscal year 2021-2022 Insurance Fraud Grant with the Pennsylvania Insurance Fraud Prevention Authority (IFPA). Deputy District Attorney Marc J. Furber, our Chief of Economic Crimes and Insurance Fraud, said, “I’m excited and we’re going to continue to fight insurance fraud at a very high level here in Bucks County.” District Attorney Matt Weintraub congratulated Detective Campbell and work of the office’s insurance fraud investigators and prosecutors. “Our insurance fraud unit is one of the best in the state,” he said.

https://www.buckscounty.gov/CivicAlerts.aspx?AID=30

Man sentenced after pocketing £30,000 from bogus insurance claims for "damaged" TV Main article content A man who took out 87 home insurance policies and then made 45 bogus claims for broken televisions against them has been sentenced. Alfred Gallinelli, 36, of Blundell Road, Barnet, took out the policies from November 2017 to July 2018 using fictitious names and made 45 claims, all for accidental damage to a flat-screen television, against them. He received payouts worth £31,590 after 26 of the claims were settled. Gallinelli pleaded guilty at Inner London Crown Court on 24 October 2023 to two counts of fraud by false representation. He was sentenced to 12 months imprisonment, suspended for 18 months, at the same court on 25 January 2024. He was also ordered to complete 80 hours of unpaid work and a 30 day rehabilitation activity requirement, and pay a victim surcharge. Detective Constable Chris Kench, from the City of London Police's Insurance Fraud Enforcement Department (IFED), said: “Although each claim made by Gallinelli was relatively low in value, the large volume of claims he made meant that he pocketed a whopping £31,000. Losses through fraudulent activity like this increase premiums for law-abiding policyholders. “Thankfully, the crossovers between the phone numbers, email addresses and IP addresses that Gallinelli used to take out the policies meant that we had solid evidence to link them to him. “We hope this result acts as a warning to anyone considering exploiting their insurance policy for financial gain: this type of fraud is taken very seriously by IFED and the insurance industry, and will leave perpetrators with a criminal record.” Gallinelli took out a home insurance policy in November 2017. He contacted the insurer in January 2018 to report that he had dropped a television, and received a voucher to buy a replacement. A second claim was made against the same policy in March 2018. Gallinelli alleged that his wall-mounted TV set had fallen and broken several shelves, an iPhone and an iPad. The insurer provided a replacement phone and another voucher. A company that the insurer used to validate claims and arrange replacement items to be sent to policyholders identified that Gallinelli had already made a claim for damage to a television, prompting an investigation. Gallinelli had taken out a total of 82 policies under various names and made 40 claims against them. The same bank account and IP address were linked to multiple policies, and the televisions in many of the photos submitted as evidence of the damage had the same serial number. After the fraudulent claims were identified, 19 were denied before they could be paid out. Further checks led staff at another insurer to suspect that it had also been exposed to similar claims. They launched a separate investigation, which found that Gallinelli had taken out five home insurance policies using various names, and £6,829 had been paid out against them. It also found that Gallinelli had made five further claims worth a total of £16,000, which were subsequently denied before they were paid out. The case was referred to IFED in August 2018. During a voluntary attendance interview with IFED officers, Gallinelli answered “no comment” to all questions asked. Photographs of TV serial numbers submitted with separate claims.

https://www.cityoflondon.police.uk/news/city-of-london/news/2024/january/man-sentenced-after-pocketing-30000-from-bogus-insurance-claims-for-damaged-tv/

“The only thing more boring than being a lawyer or accountant is handling insurance for lawyers and accountants.” That’s what I often told my clients during the first 11 years of my insurance career. After two and a half years at Embroker, I tell people “we’re driving change to the biggest industry in the world.” It’s still insurance, but it’s far from boring. I left the best job I ever had, with the best people in my industry, to make a bet on myself and on driving change to a massive industry stuck in 1990. Specialty insurance (lawyers and accountants professional liability in particular) is fraught with very smart people exchanging hundreds of millions of dollars annually. Relationships are important and in recent years, insurance executives have increasingly spoken about getting smarter and more efficient with data. Yet they rarely speak about broadly passing savings onto the insured customer. Why is that? These same insurance executives, who know they must get smarter with data, have often focused their attention the wrong way. Rather than looking at how to effectively pass savings onto the insured customer, they looked at how much they could get away with charging without losing business. Law firms and CPA firms know they have to buy insurance, but they all hate it. Get this; The big firms would spend 10-20 hours on an application for the privilege of spending $400,000 on a policy they probably wouldn’t even use. At least the big firms received real advice. It was almost worse for the smaller firms. The partners would spend time answering applications, ship them out to several brokers, put the administrator at the mercy of figuring it all out, and hope for the best. Then they’d do it again, year after year after year. My bet on Embroker and the industry was to find a better way for law firms and accounting firms to buy insurance. Additionally, I wanted to find a way for our carrier partners to use the capital more efficiently by passing savings on to the insured, all the while putting the broker’s in third place priority-wise, because if we take care of the customer and carrier first, we’ll do just fine in the end. So how are we doing? In just under three years, we’ve helped hundreds of firms by giving honest advice, white glove service, and providing previously unseen technology to them. Some firms have gone from spending 20 hours on their application to one hour. The average firm spends under 10 minutes with Embroker. We’ve driven premium cost savings of more than 15 percent to our new clients, provided pricing transparency and saving them countless hours of time. Clients have their insurance information (policies, applications, claims, certificates, etc.) available to them anytime and anywhere via their Embroker account. Maybe the most telling KPI – our clients are happy and retention rates are well above expectations, even for the best of brokers. The best part? We still have so much room for improvement. We’re capturing data but not utilizing it with carriers to the extent we could be. Embroker’s technology and buying experience are good but we continue to strive for improvement every week because that’s who we are. To see how we can help your firm, create your Embroker account today. We’re also always looking for gritty, smart people to drive change. Please reach out to me to talk further. You can find me at Brad@embroker.com What factors do insurers look at when determining the cost of your law firm’s legal malpractice insurance?

https://www.embroker.com/company-news/why-i-came-to-work-at-embroker-brad-barkin/

Commercial Package Policy Embroker’s Commercial Package Policy includes premium commercial property insurance, general liability insurance, and business interruption insurance. Get it in minutes, not days. What Is a Commercial Package Policy? A commercial package policy can be looked at as a premium version of a business owners policy (BOP). A CPP offers more advanced coverage for business owners with more sophisticated liability and property risks to address. While a typical BOP can provide most small and medium-sized businesses with the basic liability and property coverage they need, a CPP is designed to cover larger companies or companies that have more complex or specific business risks who need their coverage to be more robust and detailed. The main advantage of a CPP is that it provides more flexibility and coverage options. A BOP will almost always offer the same essential coverages such as commercial property and general liability. However, a CPP can include those coverages but it doesn’t need to, meaning that businesses can basically design their CPP from scratch to include only the policies that they need. And no matter which policies you include in the package, it works in the same way that a BOP works, in the sense that you are going to pay less for these policies as a bundle than you would when buying them individually. While a CPP is certainly much more flexible than a BOP, it also has some limits. Businesses can include policies such as commercial auto, employment practices liability, and professional liability in their CPP. However, more specialized policies such as key person and directors & officers insurance cannot be included. What Are the Main Benefits of a CPP? The greatest benefit of a CPP is that is truly customizable and enables businesses with unique risk profiles to get insured properly while saving money. When you buy a CPP that includes general liability, property, and auto insurance, there are going to be limits on the coverage that each of these policies provides. However, a CPP gives you the flexibility to incorporate additional policies and endorsements into the package in order to give your company greater protection. For example, you can add inland marine coverage to your commercial auto policy, or you can add crime insurance to complement your property policy to ensure your business property from risks such as employee theft. Therefore, the main advantage and benefit of a CPP is that it provides flexibility. If your business has very specific risks and doesn’t really need typical business insurance coverage, CPP provides an easy way for you to design the insurance program you need to tend to your specific business needs. Other specialty coverages that businesses commonly introduce to their CPP include equipment breakdown, pollution liability, and umbrella insurance, among others. Which Business Wouldn’t Benefit from a CPP? Even though you can’t really say that there are businesses that won’t benefit from receiving the protection that a CPP can offer them, there certainly are businesses that don’t have a reason to purchase one. Small businesses that don’t have a lot of property or many employees and companies that have a very basic risk profile would best benefit from a BOP. Getting a BOP is easier and cheaper and it also provides these types of low-risk profile businesses with the coverage they need without making them purchase policies that aren’t necessary. Conversely, if the business is a large manufacturing plant that needs a very comprehensive commercial property policy that includes pollution liability and product recall insurance, a CPP would enable them to bundle those policies for a better price without losing the flexibility they need to cover their unique exposures properly. Who Is It For? The biggest difference between a CPP and a BOP is the options and flexibility in terms of coverage that each provides. A BOP will usually be perfect for small businesses that don’t have a huge number of employees or a lot of property to worry about, especially if they are not working in an industry that is considered a high-risk one. A business owners policy will provide a cost-effective option to provide these types of low-risk small businesses with the right amount of coverage in one convenient package that can be easily managed. The CPP, on the other hand, can be used to address more specific coverage needs. A CPP is much more flexible and provides businesses with greater options in terms of making sure that they are able to protect against complex and specific risks while avoiding gaps in coverage. This means that while a CPP will usually always include general liability, commercial property, and business interruption insurance as the basis of the package, larger businesses that have more complex coverage needs can bundle policies such as umbrella, commercial auto, and equipment breakdown to secure an expanded range of coverage. Both BOPs and CPPs serve the same essential purpose, allowing businesses to bundle related policies instead of buying each one separately, which allows them to save money on their coverage. Whether a BOP or CPP is the best option for you depends on your business risk profile. Why Do You Need It? Having the right commercial package policy provides your business with peace of mind, knowing that if your property was to be significantly damaged or a third-party was to injure themselves on your property and sue you for damages, you would have the financial support needed to survive such an ordeal. Running a business in today’s highly unpredictable and litigious society can be an incredibly stressful endeavor if you are unprotected and are running your businesses with the knowledge that one freak accident and expensive lawsuit could put you out of business for good. Even if your business is lucky and isn’t hit with a natural disaster that damages your property or a lawsuit by a customer that injured themselves on your property, having the right liability and property coverage allows you to confidently run your business and take calculated risks knowing that your business has insurance to protect itself from things that are outside of your control. Commercial Package Policy vs. Business Owners Policy It’s clear that the biggest thing that BOPs and CPPs have in common is the fact that they are insurance bundles. That means that they are made up of several policies and that it costs less to buy these policies as a bundle than it would be to buy each of them separately. The biggest difference is that the insurance policies that come with a BOP are usually predefined. Insurance companies know that general liability, property, and business interruption are policies that a majority of small businesses need, no matter what industry they are in, which is why they decided to package them together as a BOP. Naturally, you can customize your BOP a bit and add endorsements that could make the coverage more flexible, but the BOP can never be as flexible as a CPP. Even though a CPP will usually include general liability and property coverage as well, since they are staple coverages for any business, the options you have for putting together a more diverse insurance plan are much greater when purchasing a CPP. It’s important to remember that one is in no way better than the other. BOPs and CPPs serve different purposes and both serve their purposes equally well. What Does It Cover? As already mentioned, a CPP is similar to a BOP because it allows business owners to bundle various types of coverage and bind them as a single policy. The main difference between a CPP and BOP is that the CPP does not have as many limitations regarding the other coverages that you can bundle along with the typical coverage a BOP would provide. As is the case with a BOP, a CPP typically begins with the following essential coverage: Commercial Property Insurance: Covers damage to property, bot just buildings, but also inventory, equipment, signage, and more. General Liability Insurance: Covers legal costs related to claims arising from third-party bodily injuries or property damage. Business Interruption Insurance: Helps cover lost revenue, unpaid wages, rent, and a slew of other expenses if your business is damaged and needs to close down for a period of time in order to renovate or relocate. Other coverages that are typically bundled within a CPP to provide more diverse and expansive coverage for businesses with more demanding coverage needs include the following: Commercial Auto Insurance: Covers damages related to vehicles owned by your business or private vehicles used for business purposes. Commercial Umbrella Insurance: Broadens liability coverage when necessary in order to fill gaps that might arise within your coverage and provides coverage for liabilities that might not have been specifically covered by another designated policy. Equipment Breakdown: Covers losses related to equipment breakdown including heating, electrical air condition, refrigeration, and other equipment failures. Pollution Liability: Covers pollution-related costs such as personal injury and required clean-up procedures. While these are some of the most popular coverages that are typically bundled, the CPP provides businesses with very diverse options when it comes to other types of coverage they may want to include in their CPP. What’s Not Covered? No matter how flexible CPPs are and how many types of coverage you are able to bundle into the package, there are some insurance policies that you simply cannot include in a CPP, including the following: Directors & Officers Insurance: Provides liability cover for company management, protecting directors and officers and their personal assets from claims which may arise from decisions, mistakes, and “wrongful acts” they may have committed while acting on behalf of the company. Key Person Insurance: A life insurance policy that a company purchases on a key executive or employee who is incredibly vital to the success of the company. Workers Compensation: Covers damages related to employee injuries such as lost wages, medical bills, rehabilitation, and in the worst-case scenario, death benefits, and funeral expenses. If your business needs these coverages as well, you will have to purchase them separately. What Does It Cost? One of the main characteristics of a CPP is that businesses are able to add numerous riders to the package in order to customize their coverage. Naturally, the more types of coverage you include in your CPP the more expensive it’s going to be. But outside of how many extra coverages you are adding to your CPP and how complex your coverage is, there are several factors that insurers will look at in order to determine how much you are going to have to pay for your CPP, including: If you work in a high-risk industry, you’re going to pay more for your CPP. Construction companies will pay significantly higher premiums than accountants, for example, because their liability and property risks are much greater. Businesses located in large cities will usually pay more for a CPP than those located in rural areas. The more populated your location is, the more susceptible your property is to crime and vandalism, for example. Also, if you live in a part of the country that has a history of natural disasters such as hurricanes and earthquakes, your CPP will cost significantly more than if you were located in a low-risk region of the country. Number of Employees The size of your company usually determines whether or not you should get a BOP or CPP. The more employees you have, the greater chances are that a BOP will not give you proper protection. And if you’re a large company that has more than 100 employees and no longer qualifies for a BOP, the higher your employee count gets, the more you’ll pay for your CPP. Value of Property The greater the value of your property and the harder and more expensive it is to replace your physical property, equipment, and inventory, the higher your CPP premium will be. If your business has a history of claims, especially severe claims that ended in significant payouts by your insurer, you will pay much more for your CPP than a company that has seen very few claims over the last several years. Why Get It With Embroker? Even purchasing complex policy bundles is easy with Embroker. Our state-of-the-art technology and expert brokers combine to make the experience fast and simple for you. Our digital insurance experience cuts administrative costs out of the equation, which makes it easy for us to offer you the most competitive prices on the market. Our brokers will help you customize your CPP to make sure that all of your exposures are covered and your business is fully protected. We provide you with expert support no matter your question: Reach us 24/7 via phone, email or live chat. You even get a personal account manager to look after you and your insurance needs. Still In Doubt? “Well-designed, simple and efficient process. Much easier and faster than competing options.” Don’t Just Take Our Word for It! With a Net Promoter Score (NPS) of 70+ Embroker is the highest rated business insurance company in the market. NPS Score 2023

https://www.embroker.com/coverage/commercial-package-policy/

An experienced water damage attorney of Perez Mayoral, P.A. has successfully helped many South Florida clients recover insurance settlements for severe water damage to their homes and properties. If you have been hit with the enormous costs and terrible stress of water damage devastation, contact us to find the peace of mind skilled and efficient legal representation provides. We will work tirelessly to get you the settlement you deserve. Once your insurance adjusters become aware that they are negotiating with knowledgeable water damage attorneys, they will play fewer games to protect their bottom line. Realizing that they will be wasting valuable time haggling, they are likely to take steps to settle your claim for a reasonable amount. Our lead attorneys, Erik A. Perez and Michael P. Mayoral, have the know-how needed to: - Investigate your home and property thoroughly, taking detailed notes and photos of all water damage that has occurred, including all necessary repairs and replacements - Have all of your damaged possessions carefully appraised - Arrive at the proper amount of your total claim - Handle all negotiations with insurance adjusters and opposing attorneys - Engage in litigation if necessary to obtain a realistic settlement for you and your family Our law practice is well-known for resolving water damage claims in South Florida. Our reputation as strong fighters against attempted underpayments and claim denials gives us clout both in and out of the courtroom. Though we are aware of the benefits of settling your water damage claim out of court, we are always well-prepared for strategic litigation. Types of Water Damage Claims During our initial consultation, we will discuss the source of the water damage since insurance policies distinguish between causes of water damage when settling claims. Typically, homeowners or commercial property insurance policies cover most types of water damage unrelated to floods, but separate flood insurance policies must be in force to cover flood damage. Water Damage Unrelated to Floods Water damage covered by homeowners or commercial property insurance commonly includes damage caused by: - Roof leaks - Water from leaking pipes - Water seeping into a home or commercial property through cracks in the foundation - Rainwater coming in through a window broken by storm activity - Water from a damaged washing machine/dishwasher/refrigerator Once you get in touch with our water damage attorneys, we will pore over your insurance policy to see precisely which water damage you are covered for. It is important to remember that insurance companies stay in business by paying out as little money as possible, so they will look for ways to lower the settlement or deny your claim. Don’t worry — as your attorneys, we are well-prepared for such shenanigans. They may try to prove, for example, that you neglected to repair a known plumbing or appliance leak until it became catastrophic. Such tactical maneuvers by insurance adjusters are one of the primary reasons you need the skilled services our legal team provides. It takes an informed professional to level the playing field when it comes to disputing a water damage claim. Flood Damage in South Florida As you probably know, Florida has been directly impacted by more hurricanes than any other state in the nation, giving it the unofficial title of “hurricane capital” of the U.S. Because inundating rains are part of the catastrophic hurricane package, a great many residents of South Florida have flood insurance, either by choice or because it’s legally required (especially along the coastline). Flood damage, as opposed to “water damage,” is defined as damage caused by water that has previously been on the ground. It’s worth noting that insurance companies are finicky about such distinctions. Even if you have flood insurance, it is entirely possible that your provider may try to deny a flood damage claim by saying that property was destroyed by water that entered your home through a window left open in the rain, rather than by floodwaters. This is why you need a savvy attorney at your side when making any kind of water damage claim. Even though your particular area of South Florida may not be a flood zone, it may be wise to carry flood insurance, especially in view of the fact that the weather seems to be worsening throughout the country. Flood insurance gives you coverage for such events as: - Basement flooding after heavy rain - Overflow from storm surge into your home or business - Weakened or collapsed walls after heavy rains - Rising waters that flood a screened porch or ground level rooms You should be aware that most private insurers do not offer flood insurance in the parts of Florida in which it is most necessary, so you will have to purchase it from separate companies under the National Flood Insurance Program. The Awful Aftermath of Water Damage Water damage to structures in South Florida can have a long-term negative impact, not only on houses, condominiums, and commercial buildings but on the health and well-being of those who occupy them. In addition to leaving your home in danger of structural collapse, water damage may also leave your home vulnerable to fire (e.g. from damaged appliances or wiring), theft, and vandalism. Fortunately, such events are usually covered by your homeowners or commercial property policy. In addition to eroding foundations and making walls more liable to collapse, water damage, if not completely and properly rectified, can lead to toxic mold. Toxic mold presents a serious danger of infections, lung disease, and cognitive impairment, particularly to children, seniors, and those with pre-existing health problems. Our legal team is committed to getting you the full insurance settlement you deserve for water damage in order to keep you and your loved ones safe and healthy. Contact An Experienced Water Damage Attorney Now Our sharp water damage attorneys know all too well the widespread risks of water damage and will do everything in our power to protect you and your loved ones from insurance companies that may try to shortchange you. Contact us today and we will work hard to see to it that you receive all resources you need to put your life back together.

https://www.pmlawfla.com/practice-areas/homeowners-insurance/water-damage-lawyer/

Add the sense of timeless artistry to any Add the sense of timeless artistry to any wall in your home with the Builders Choice mantel collection. Whether you are creating a fireplace mantel piece or a perfect wall shelving addition the Craftsman mantel design crafts an inviting architectural statement for your home. Shop our selection of Electric Fireplaces in the Heating, Venting & Cooling Department at The Home Depot ... in. Convertible Mantel Electric Fireplace in Oak ... mid century antique marble fireplace hearth home depot foyer Ireland. 18-09-30. classic column marble fireplace hearth home depot living room Melbourne. 18-09-30. mid century wood burner travertine fireplace hearth for sale master bedroom Melbourne. 18-09-30. outdoor decor stove limestone fireplace mantel for sale cabinet Melbourne 18-09-4 mid century wood burner marble fireplace hearth home depot cabinet Sydney 18-09-4 classic stove limestone fireplace surrounds home depot house Ireland 18-09-4 art deco wood burner marble fireplace surrounds for sale cabinet Brisbane 18-09-4 neoclassical electric fire limestone fireplace surrounds renovation house Melbourne Fireplace Mantel Shelves . All Mantel Shelves Wood Mantel Shelves Rustic Mantel Shelves Timber & Log Mantel Shelves Non Combustible Shelves. Fireplace Mantel Surrounds . Shop Hayneedle's best selection of Fireplace Mantels & Surrounds to reflect your style and inspire your home. ... Fireplace Shelf. This pine beam large mantel shelf ... Fireplace gives our families a good place to gather around and have a talk with each other, especially in the evening. Meanwhile, nice black marble fireplace ornate add more warm and relaxing atmosphere when we are enjoy the accompany and life. Come and select the design of fireplace mantels you like, and also we welcome customized stone fireplace mantels. From selecting good material to make safe packing for transport, we insist the principle Quality is our company's top priority. Our factories are especially professional in making various kinds of black marble fireplace ornate And our nice products and service have gained good feedback from our customers. The detailed information and more designs are as follows: Our factory has strong strength.We are direct manufacturer, having enough stocks, also very welcome the customized size. >> Outer in 3CM standard wooden crate (most of others only have 2CM thick), inner in plastic or foam. >> You Fine will buy full insurance for your goods, to make you worry free. >> Thick soft foam, double strong rope fixed inside and outside of the packaging, to effectively prevent the goods from damage. Tell us what you need by filling in the form

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It can’t have escaped most of us that the use of cash is falling. Card use overtook the number of payments made in cash in the UK for the first time back in 2017 driven by the convenience of contactless payments. Many businesses are encouraged by the time and expense savings of cashless transactions both for management and customers. Is the UK set to become a cashless society? Our attention was drawn to a Commons Treasury select committee report published recently that focused on the assertion that the UK risks “inadvertently becoming a cashless society”. The report warned that banks might be forced to retain a physical network for the many vulnerable people who could otherwise be left with no access to face-to-face services. Very serious considerations of course but as insurance brokers we are concerned with ensuring our customers insurance needs are met. Will the insurance industry reflect less risk of theft of cash with reduced premiums for example? Is money insurance still required in a cashless society? Most businesses either consciously or unconsciously buy money insurance in premises or being carried by employees. Typically, insurance is also provided in the event of personal injury should a loss be an act of violence. There are many variations of cover, limits applied and different types of money: • Cash and negotiable money – anything that is, essentially, untraceable and is easily spent or used. This includes, notes and coins, postage stamps and gift tokens. • Non-negotiable money – includes crossed cheques and (paper) credit card sales vouchers, which cannot easily be used. Fraudulent activity is usually required to convert to cash. It is rare for a loss to happen. The insurance industry will likely adapt and evolve but we don’t think there will be material premium reductions if money cover is not required. This cover is rarely bought as an individual purchase – mostly it is part of a package of covers and is increasingly not individually rated. Whilst cash may not be as king as it was, we also recognise that there are issues with networks failing and security risks with electronic transactions. Which insurance covers will become increasingly important? We will probably see other covers emerging in importance such as: Commercial crime includes acts of theft, fraud and embezzlement, and it is often trusted employees who are the culprits. Dealing with commercial crime can be incredibly difficult for organisations, from both a practical and emotional perspective. Cyber insurance covers a business’s liability and its ability to manage the impact of a cyber incident on its systems and finance. We would strongly advise all businesses, however large or small, with any reliance on systems and data, to consider protecting their online business. This should be treated with just the same level of importance as covering tangible assets – if not more so. If you have any questions about how this may impact you or your business don’t hesitate to get in touch with us at Anthony Jones.

https://anthonyjones.com/cashless-society/

Term life insurance What’s term life insurance? Term insurance provides a death benefit payment (proceeds to your beneficiaries) if you die during your term coverage (known as the policy term). Financial protection for your beneficiaries if something happens to you. Typically lower cost than permanent life insurance products. The death benefit to your beneficiaries is generally free of federal income tax. How does term life insurance work? You make scheduled annual premium payments. You're covered for a term Your coverage lasts a specific number of years, usually between 10 and 30. If you die while the policy is [in-force], your designated beneficiaries receive the death benefit. Consider term life insurance if: - Your family relies on your paycheck. - You’re a stay-at-home parent who provides child care and other valuable family support. - You’re a business owner who needs coverage to retain key employees, fund a buy-sell agreement, or protect against the impact to your business from the loss of a key employee. Products to consider: Get fast, affordable life insurance in as little as 18 minutes. Available for people 20 to 60 years old, with up to $3 million in coverage. Help ensure the survival of your business or the financial security of your family with Symetra Term. Available for people ages 20-80 years old, with coverage from $250,000 and up. Ask your insurance professional if life insurance is right for you. Life insurance is issued by Symetra Life Insurance Company, 777 108th Ave NE, Suite 1200, Bellevue, WA 98004 and is not available in all U.S. states or any U.S. territory. Symetra SwiftTerm® is a term life insurance policy issued under policy form number ICC20_LC1 in most states. Symetra Term Life is issued under policy form number ICC18_LC1 in most states. Life insurance policies contain exclusions, limitations, reductions of benefits and terms for keeping them in-force. Please contact your insurance professional for complete details. Guarantees and benefits are subject to the claims-paying ability of Symetra Life Insurance Company. Policy rider availability may vary by distribution partner. This is not a complete description of Symetra SwiftTerm® or Symetra Term products. For a more complete description, please ask your insurance professional. Although proceeds of life insurance are generally received federal income-tax-free by beneficiaries, estate and local taxes may apply. Consult your attorney or tax professional for more information. *Depending upon your answers during the application process, you may travel down one of three underwriting paths―instant approval, accelerated underwriting or full underwriting. The typical coverage turnaround time is 18 minutes for instant approval, 24-72 hours for accelerated underwriting and 30 days for full underwriting. SwiftTerm® is a registered service mark of Symetra Life Insurance Company.

https://media.symetra.com/our-products/individuals/life-insurance/term-life/

New boiler installs in Bolton may be necessary at some point. Like all appliances, boilers age and may need replacing. There are a number of benefits to choosing a new boiler. Newer models are energy efficient and reliable. When you choose to install a new boiler, you know that it will work efficiently for years. Furthermore, new boilers are safe. There is little chance of a carbon monoxide or other poisonous gas leak. However, choosing the right boiler means choosing an expert company to assist. We have years of experience and knowledge regarding the best energy efficient boilers on the market. Give us a call and we can discuss your specific requirements. Our experts have the necessary training and experience to ensure safety and professionalism. Hence, in Bolton, new boiler installs are a service that we offer. If you are uncertain about the right size boiler for your home, our experts can provide guidance. All our boilers are an exceptional quality. And, all our boiler installs are professional. Each member of our team has the right accreditations and experience. These include affiliation with Gas Safe. You can be sure that your new boiler installation is both safe and efficient. We offer free quotes for your new boiler. Current building regulations state that any new boiler must be a condensing boiler. As such, we specialise in installing Worcester condensing boilers. New boiler installs in Bolton for your home mean consistent heating throughout your home. In addition, we also offer several other services. Hence, these include boiler servicing. Servicing your boiler ensures that it remains in excellent condition. If you need a professional company for new boiler installs, contact M & R Plumbing and Heating today. Furthermore, we also offer new boilers on finance. This is a great way to ensure that you can get the boiler you need, when you need it. Thus, you can rely on a professional company for excellent quality boilers and installation.

https://mr-group.co.uk/new-boiler-installs-in-bolton-rely-on-a-professional-team/

Introduction In the tumultuous landscape of 2023, the world faced the wrath of natural disasters, resulting in a profound economic impact. Munich Re, a global reinsurer, recently revealed that earthquakes and storms collectively led to a staggering $95 billion in insurance losses. This article dissects the implications of these losses, shedding light on the broader In the tumultuous landscape of 2023, the world faced the wrath of natural disasters, resulting in a profound economic impact. Munich Re, a global reinsurer, recently revealed that earthquakes and storms collectively led to a staggering $95 billion in insurance losses. This article dissects the implications of these losses, shedding light on the broader issues of climate resilience and the imperative for strategic measures to safeguard against future catastrophes. Munich Re’s Report: By the Numbers Munich Re, with its renowned expertise in risk assessment, has released a comprehensive report detailing the financial toll of earthquakes and storms in 2023. The $95 billion figure not only highlights the immediate economic repercussions but also underscores the long-term challenges faced by the insurance industry and the affected regions. The Anatomy of Losses While earthquakes are inherently unpredictable, their aftermath is not. The destruction caused by seismic activities contributes significantly to insurance losses. Understanding the geological vulnerabilities of certain regions becomes crucial for risk assessment and preparedness. From hurricanes to typhoons, storms can wreak havoc on both land and sea. The increased frequency and intensity of storms amplify the financial toll on insurers. Munich Re’s report dissects the specific storm-related losses, offering insights into the patterns and trends that demand attention. The Ripple Effect on the Insurance Industry The $95 billion insurance losses represent not just a financial setback for insurers but a call to action. As the frequency and severity of natural disasters rise, the industry must innovate and adapt. Munich Re’s findings underscore the need for a proactive approach in developing resilient risk management strategies. Climate Resilience: A Collective Responsibility The impact of natural disasters extends beyond insurance losses, reaching into the realms of infrastructure, public health, and community well-being. Munich Re’s report serves as a reminder that building climate resilience is not solely the responsibility of insurers but a collective imperative for governments, businesses, and communities. Proactive Measures for a Resilient Future |Advanced Risk Modeling |Utilize cutting-edge technology for precise risk assessment and early-warning systems. |Invest in infrastructure that can withstand the impact of earthquakes and storms. |Educate communities on disaster preparedness, fostering a culture of resilience. |Facilitate global cooperation in research, resources, and support for affected regions. As we navigate the aftermath of $95 billion in insurance losses from earthquakes and storms in 2023, Munich Re’s report serves as a wake-up call. The urgency to address climate resilience and fortify our defenses against natural disasters cannot be overstated. By heeding the lessons outlined in this report, we pave the way for a future where the impact of quakes and storms is mitigated, ensuring the safety and stability of communities worldwide.

https://truegazette.com/munich-re-insurance-losses-2023/

Chimney’s in the Twin Cities have been running hard all winter and spring. Now is a great time to have your chimney cleaned and inspected! 2nd Generation Chimney’s is one of the largest and most experienced chimney service companies in the Twin Cities. Over 95% of our business comes from referrals. We are experienced in chimney cleaning, chimney relining and chimney restoration. Give us a call at 866-749-5397 and visit us online at www.2ndgenerationchimneys.com . Comments are closed. TagsAnimal Removal Bloomington chimney Chimney Cap Chimney Cap Installation Chimney Caps chimney cleaned chimney cleaning chimney cleaning services Chimney Damper Installation chimney fire Chimney Inspection Chimney Liner chimney relining chimney repair Chimney Repairs Chimney Restoration chimney restoration Orono MN Chimneys Chimney Services chimney sweep chimney sweeping Dryer Vent Cleaning Eden Prairie Edina fireplace Fireplace Cleaning Fireplace Installation Fireplace Repair Fireplaces Gas Fireplace heating & air conditionaing HVAC hvac cleaning Masonry Services Minneapolis Minnetonka Pixley Plymouth restore chimneys St. Paul Twin Cities Wayzata Wood Stove Wood Stove Installation

https://www.2ndgenerationchimneys.com/blog/chimney/summer-spring-great-time-to-have-chimney-cleaned/

On January 17, 2014, the Texas Supreme Court ruled that a Contractual Liability Exclusion contained in a general liability insurance policy did not preclude coverage of a general contractor for a claim arising out of its defective work merely because the contractor agreed to perform its work in a “good and workmanlike manner.” In Ewing Construction Co., Inc. v. Amerisure Insurance Co., Ewing entered into a standard-form AIA contract with Tuluso-Midway Independent School District to serve as general contractor to renovate a school. 2014 WL 185035 (Tex. Jan. 17, 2014). Pursuant to the contract, Ewing agreed to perform its work in a “good and workmanlike manner.” The contract included the construction of tennis courts. Shortly after completion, the School District complained that the tennis courts were defectively constructed, and filed suit against Ewing and others for breach of contract and negligence. Ewing tendered defense of the underlying suit to its insurer (Amerisure), which denied coverage. Amerisure took the position that the Contractual Liability Exclusion, which applies where the insured assumes liability for the damages by the contract, precluded coverage. Ewing filed suit in the U.S. District Court for the Southern District of Texas for a declaratory judgment finding Amerisure had a duty to defend Ewing and indemnify it for any damages awarded to the School District in the underlying suit. The District Court agreed with Amerisure, finding that the Contractual Liability Exclusion applied because Ewing had entered into a contract that assumed liability for its own performance under the contract by agreed to perform its work in a “good and workmanlike manner.” Relying primarily on Gilbert Texas Construction, L.P. v. Underwriters at Lloyd’s London, 327 S.W.3d 118 (Tex. 2010), the district court held that Ewing had assumed liability for its own construction work. On appeal, the Fifth Circuit initially affirmed, in part, but later withdrew its opinion and certified the following questions to the Texas Supreme Court: 1. Does a general contractor that enters into a contract in which it agrees to perform its construction work in a good and workmanlike manner, without more specific provisions enlarging this obligation, “assume liability” for damages arising out of the contractor’s defective work so as to trigger the Contractual Liability Exclusion? 2. If the answer to question one is “Yes” and the contractual liability exclusion is triggered, do the allegations in the underlying lawsuit alleging that the contractor violated its common law duty to perform the contract in a careful, workmanlike, and non-negligent manner fall within the exception to the contractual liability exclusion for “liability that would exist in the absence of contract”? The Texas Supreme Court answered the first question in the negative. It began by distinguishing Gilbert, stating that Gilbert had promised to repair or pay for damage to an adjacent property resulting from its failure to comply with the requirements of the contract. In so doing, the Court held that Gilbert assumed an obligation that extended beyond Gilbert’s common-law duty to avoid negligence. The Court reaffirmed the general rule that the Contractual Liability Exclusion applies where an insured has “assumed a liability” for damages that exceeded the liability it would have under common law. In the instant case, the Court held that Ewing had not assumed liability in excess of its common-law duty to exercise ordinary care by agreeing to perform its work in a good and workmanlike manner. The Court considered the School District’s claim for failure to perform in a “good and workmanlike manner” to be substantially the same as a claim for negligence under common law. Thus, the Court concluded that “a general contractor who agrees to perform its construction work in a good and workmanlike manner, without more, does not enlarge its duty to exercise ordinary care in fulfilling its contract, thus it does not ‘assume liability’ for damages arising out of its defective work so as to trigger the Contractual Liability Exclusion.” Because the answer to the first question was “no,” the Court did not answer the second question. Comment: The Court’s decision is a victory for general contractors and builders. Contractual Liability Exclusions are commonplace in general liability insurance policies, and many construction agreements require contractors to perform in a good and workmanlike manner. Although the Texas Supreme Court’s interpretation of the exclusion is not controlling precedent in Washington courts, the Court’s analysis is persuasive and can be used to combat an insurer’s attempt to exclude coverage based upon similar exclusions. Furthermore, this decision puts added pressure on insurance companies to provide coverage. If an insurer incorrectly denies the tender of defense in bad faith, the insurer may be estopped from denying coverage, even when coverage is later determined to be unavailable.

https://www.acslawyers.com/claims/texas-supreme-court-limits-contractual-liability-exclusion/

Find, Manage, Track & Close More Sales with the #1 Real Estate CRM Grow Your Real Estate Agency faster And easier With The Agentbox Solution. Ranked #1 By REB for 9 years running! on 127 Google Reviews Trusted by top-tier teams Used by Everyone From single agents to established multi-office agencies, franchises and networks across Australia and New Zealand. Real Estate Agenciescurrently use Agentbox National Awards as the leading sales CRM Of REB Top 100 Sales Agents use Agentbox Don’t Take Our Word For It, Take Theirs "Agentbox has enabled us to streamline some of our marketing processes as well as have the capacity for all our offices and 70 strong team to manage their tasks as well as clients within the CRM. They certainly focus on the besttechnology for the industry" "The reporting is excellent as it is quick and easy for me to find information and send it straight out to the vendor without leaving Agentbox. The service the Agentbox team provides is excellent. I would recommend to any real estate office looking for a new CRM." First National Real Estate "We're an expanding business and we realise the importance of having a CRM system that allows our agents and network to communicate effectively. The software is easy to use, the reporting is solid and most importantly it effectively communicates with our customer" Rapidly Start Growing Your Real Estate Agency Today Talk to our team of expert real estate CRM consultants and discover why agents are choosing Agentbox.

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From assessing post-disaster damages to increasing worker safety to fostering financial savings, leveraging drones in the insurance industry will yield tremendous benefits to both insurers and the insurance companies alike. Drones, also referred to as unmanned aerial systems or pilotless flying robots, are no longer a novelty in the tech space. The concept of ‘autonomous systems,’ which was once a sci-fi fantasy, has now evolved to become a sophisticated real-world innovation and is impacting several industries. The bird’s eye view offered by drones enables businesses to capture detailed photographs and videos from the sky. This visual data, when analyzed and interpreted, helps businesses to gain intelligence that can then be used to make informed decisions. Though initially developed for military purposes, drones have showcased their novelty in other areas too. Drone applications range form helping the police in search and rescue operations, filming cinematic videos, monitoring traffic congestion all the way to performing delivery services. The number of drone applications, indeed, seems to be burgeoning over the past few decades. You might be well aware of Hurricane Harvey that hit Texas in the year 2017. Drones were used to collect images to understand the devastating situation of the place. Apart from this, drones were also used by the insurance companies to inspect the post-disaster condition. Thus, along with the disaster-recovery procedure, drones can also be used by insurance companies for surveying and managing claim procedures. With high-quality images and videos of risky or dangerous locations, drones in the insurance industry can provide companies with numerous benefits. Let’s take a look at few compelling benefits of drones for the insurance companies: Benefits of drones in the insurance industry Drones have come a long way, since their advent. Today, drones can do more than just capturing images and videos. Equipped with sensors and powered with AI, drones can now analyze a situation and respond suitably. Due to these capabilities, asset inspection has now become more efficient, less time-consuming, and less costly. One of the most significant factors that make drones unique is high-quality content acquisition. Flying around any place or structure, drones can easily collect minute details of the location. Earlier, the asset inspection was undertaken manually. Humans were unable to obtain photographs or videos from all angles. Manual methods are, therefore, considered inefficient and inaccurate. On the other hand, insurance companies can leverage drones to collect comprehensive visual information on anything that is insured. Disasters could not only pose a severe threat to people’s lives but also have a devastating impact on property and infrastructure. It is difficult for emergency responders to visit every affected area to collect the necessary information. Sometimes, reaching the affected place is in itself a risky job. For instance, imagine a cyclone has hit a house. The insurance inspectors have to check the roof of the house before initiating the claim procedure. Climbing up the rooftop to physically assess and take photographs is actually easier said than done. Besides, it’s hazardous. Drones could handle this scenario with ease. Without human involvement, drones can reach the rooftop, click pictures, analyze and process the content, and aid the assessment process. Providing inaccurate information intentionally to gain insurance benefits is a common concern that the insurance companies face. Either the insurer or the provider can commit this illegal activity. However, with drones coming into the picture, the chances of such fraudulent activities are eliminated. Drones can collect and store the data on the cloud. Every department in the insurance company can view, monitor, and inspect the details, leaving no room for tampering and illicit activities. Drones can take up humans’ job of visiting different places for asset inspection. Pictures can be clicked and sent on the spot which can significantly expedite the claim process. Initially, when only humans were involved in this process, this wasn’t actually possible. Drones can actually help insurance companies to save a tremendous amount of time and money by eliminating humans from the inspection process. In fact, insurance companies that use drones get the information they need 10 times faster than those relying on traditional methods. With drones taking up the inspection and assessment process, human involvement will go out of the picture. As a result, the claim process will be automatically expedited. Accelerated claim processing will make customers happy. Faster services will help insurance companies build loyal relationships, enabling them to gain a competitive advantage. With reduced turnaround time on claims, insurance companies will improve the experience of the concerned. As a result, there is no need for companies to worry about losing their clients to competitors. When we hear ‘automation’, the first thing that comes to our mind is efficiency and accuracy. Similar is the case with drones. It is proven that drone-led inspection, in the oil and gas industry, offers 85 percent faster results when compared to traditional methods. Using drones for monitoring and inspecting operations can help insurance companies to achieve efficiency goals. Prices of drones have comparatively lowered down now. As a result, insurance companies can come up with innovative ideas to make the most out of this technology. Large machinery run around the clock on a daily basis in a manufacturing unit. Technical errors in the equipment can cause mechanical failures. And breakdowns, if they occur, can cause companies a substantial financial burden. Hence, manufacturing companies opt for equipment breakdown insurance. Here, on identifying that the collapse was due to some technical glitch, the insurance company will have to pay compensation for equipment repair, infrastructure damage, and also spoiled or damaged inventory. Cases like these need special attention and should be monitored closely when a manufacturer claims for insurance coverage. Insurance surveyors, in such a scenario, are expected to monitor and collect every detail about the machinery. It can be risky as well as time-intensive affair. Drones, on the other hand, can fly around the outlet, zoom in on damaged places, and send all images to the team. While all this happen, the team can simultaneously carry out the rest of the claim procedure. Insurance companies can send off drones to collect images and videos of disaster-prone places. The data can be sent to the cloud, where further analysis takes place. The data analytics tool will process the data for providing residents with accurate information on imminent risks. In collaboration with the government, the insurance companies can help residents to take proactive remedial measures. This will help in reducing losses to a more considerable extent. From helping insurers with preventive measures to aiding the insurance companies in assessing affected places, drones can indeed be beneficial to the industry in every possible way. With drones able to quickly gather high-quality content and companies managing claim procedures speedily, insurance companies will never fear any business risks as well as never witness annoyed clients. Naveen is the Founder and CEO of Allerin, a software solutions provider that delivers innovative and agile solutions that enable to automate, inspire and impress. He is a seasoned professional with more than 20 years of experience, with extensive experience in customizing open source products for cost optimizations of large scale IT deployment. He is currently working on Internet of Things solutions with Big Data Analytics. Naveen completed his programming qualifications in various Indian institutes.

https://www.bbntimes.com/technology/5-benefits-of-drones-in-the-insurance-industry

NEW EU MACHINERY REGULATION: THE MAIN CHANGES AND WHAT THEY MEAN Sep. 26 2023 New digital technologies mean increased digital risks. That is why the European Parliament approved new machinery regulation, on April 18, 2023. It will replace the previous Machinery Directive 2006/42/EC. Unlike the previous directive, the new regulation applies not only to new machines, but also to machines that have undergone modifications that were not planned by the manufacturer, or modifications that might affect the safety of the machine. The regulation also focuses on the security of digital components of machinery. For example: if a machine uses artificial intelligence, manufacturers will have to conduct risk assessments to test the level of autonomy of the machine, its learning phase and special control for autonomous mobile machines ( AGVs). The new machinery legislation is expected to be published soon in the Official Journal of the European Union. It will come into force 20 days after publication. Companies have 42 months to comply after its publication. Cybersecurity is an integral part of this new machinery regulation, not only regarding all major aspects of the machine as a product but also relating to hardware and software components. The introduction of the Cybersecurity requirement stems from a need to address rising cybersecurity risks. It is meant to help prevent malicious cyberattacks that can have highly negative impacts on machine safety. How Bureau Veritas can help you The Bureau Veritas Group (BV) can help you prepare for compliance with this new regulation. We have more than 20 years’ experience in cybersecurity and extensive knowledge of the manufacturing industry. We work with some of the largest manufacturers in the world, helping them achieve compliance with all kinds of laws and regulations. For instance, BV is a market leader in IEC 62443 – both in advisory and certification. We have Certified Testing Laboratories (CBTL) in Europe and Asia and are a notified Certification Body. We work with both ISA Secura and IECEE certification schemes and are able to issue certificates under both. Our experts also help vehicle manufacturers comply with UNECE cybersecurity regulations. In our experience, achieving cybersecurity maturity requires strengthening the resilience of your processes (for instance: complying with regulations), technology (your choice of HW, SW and services) and your people (secure behaviour). Get ready for the new machinery regulation contact us for expert advice.

https://www.bureauveritas.co.uk/newsroom/new-eu-machinery-regulation-main-changes-and-what-they-mean

Insurance for Federal Contractors The Nation’s Only Specialized Insurance for Federal Contractors. As the nation’s premier provider of insurance to Federal Contractors, we understand the unique nature of your business. Today, companies like yours have to face decreasing budgets, increasing scrutiny, consolidated competitors, and a reduction in sole-source awards. All these elements combined have made the US Federal Contracting environment more competitive than ever. The Capital Group knows that being competitive today means keeping your WRAP Rate low and your Fringe Rate under control. By partnering with The Capital Group, the nation’s exclusive broker for GovTech Insurance, you can lower the cost of your employee benefits and commercial insurance by up to 35%. GovTech Insurance is the only specialty insurance carrier for Federal Service Providers. Why Choose The Capital Group? At The Capital Group, leveraging our expertise to manage client costs is a specialty. - Custom Solutions — Get the benefits packages, coverage, and more that you need as a Government Contractor. - Compliance & Protection — Rely on specialists to help your business stay up to date on compliance policies and coverage options. - Proactive Risk Management — Receive assessments and solutions to keep your business protected. - Tailored Advice — Get information and updates from specialists who understand the government contracting sector. Federal Service Providers’ Employee Benefits & Healthcare Retain top talent while keeping costs under control. Whether you are SDVOSB, 8(a), Middle Market or Full and Open, you encounter the same challenges of acquiring and retaining top talent. At The Capital Group we recognize that employee benefits are often your second largest expense next to payroll. We guide you through the process of developing the correct employee benefits package for your human capital including options such as Fully Insured, Level Funded, Referenced Based Pricing, Self-Funded plans with International Script Sourcing. The end goal is a competitive package that helps your attract and retain top talent while keeping costs under control. The Challenging Regulations of Federal Contracting Choose a partner who understands the challenging regulations of federal contracting. As a federal service provider, remaining compliant and up to date on all aspects of your business can be frustrating. For success in the government contracting sector, you need a partner that can keep up with rapidly changing rules and regulations while providing the right services for your business. The Capital Group specializes in providing Government Contractors with: - Commercial Insurance - Service Contract Act Compliance & Accounting - Davis Bacon Act Compliance & Accounting - Defense Base Act Compliance - Employee Benefits - HR Technology - Executive Compensation - Retirement Planning - And More With years of experience serving Government Contractors, The Capital Group team offers tailored solutions to best meet your business needs and goals. Insurance for Protection & Compliance From aviation to education, technology to construction, and everything in between, The Capital Group can help your government contracting business get the coverage you need. With a wide variety of commercial insurance solutions, your business can receive coverage for: - Commercial Crime - Cyber & Data Breach - Employment Practices Liability - International Exposure - Workers’ Compensation - And More Not only do you need coverage to protect yourself and your company—proper insurance is essential for securing government contracts. The Capital Group team helps your business keep compliance with FAR, DFARS, Defense Base Act, and more. For Government Contractors The Capital Group partners with GovTechTM, a leader in protecting federal contractors against unforeseen risks. While having the required insurance coverage for government contracts is necessary to do business, having the right liability coverage is crucial to protect you and your company from additional risk. Through GovTechTM, your business has access to comprehensive liability policies including: - Directors and Officers - And More The Capital Group team helps you secure the right benefits packages and solutions for your government contracting business. By working with strategic partners, The Capital Group brings you benefit options from leading companies and provides support through open enrollment and administration. - Short-Term and Long-Term - Voluntary Benefits - And More Are You Ready To Get Started? If you're ready to develop business and financial plans that crystallize your goals and develop your future, we would be pleased to provide you with a proposal and quote for our services. Request A Quote Liability Coverage for Technology Industry GovTech TM is the Only Insurance Company Specializing in Insuring Government Contractors. GovTechTM offers comprehensive policies made with our policyholders in mind. Services We Offer We offer dynamic solutions that help businesses worry less and grow more. We strive to understand your business and tailor the best risk-management solution to protect your company, your assets, & your employees.Explore now We provide the resources to manage your capital in the most efficient manner, while striving to maximize your most lucrative financial goals.Explore now We customize benefits packages to fit your needs, and act as an effective incentive to attract and maintain the best talent for your company.Explore now Retirement Plan Consulting We diligently tailor your retirement plans to insure a more secure future for you, your employees, and your executives alike.Explore now Our HR management technology provides your company with the efficiency & ease of use to effectively manage your employee benefits.Explore now Get in Touch We are here to assist you with all your risk management, investment, employee benefit, and HR technology needs.

https://www.capgroupfinancial.com/industries/government-contractors

Professional Indemnity Insurance in Estonia Freelancers, the self-employed and companies from Estonia must expect high claims for compensation from customers or principals in the event of professional mistakes and mishaps. Alongside the claims for compensation, there are also high legal fees involved for the self-employed. In order not to endanger your private assets or the liquidity of the company through these claims, it is essential to take out professional indemnity insurance, or professional indemnity for short. It covers financial loss, property damage and personal injuries as well as possible consequential damages such as loss of turnover of your customers. Since the professional risks differ considerably depending on the industry, exali.com offers tailor-made solutions for optimal professional indemnity insurance for freelancers, the self-employed and agencies from Estonia. The insurance companies are specially designed for the new areas of activity related to digitisation, such as IT and telecommunications, creative and media professions as well as business consulting. Which Insurances does Professional Indemnity Insurance from exali.com in Estonia Include? Professional indemnity for Estonian freelancers and service providers combines in the basic coverage both insurance components of the financial loss liability and general liability insurance. You can choose different sums insured for both components in order to optimally cover the occupational risks in Estonia. To protect against the ever-increasing threat from cyber risks, we offer you the optional add-on module for First-party Cyber and Data Risks Insurance. This service extension takes over any first-party damage in the event of hacking, a DDoS attack, computer misuse, theft of data carriers and other data breaches. You can use the online plan and premium calculator to see at any time which modules you need and which sum insured you can choose. Some add-on modules expand the scope of insurance to include so-called first-party claims or a first-party claims insurance. This is damage that is not inflicted on a third party (customer or principal), but damage that you suffer yourself. For example, in the case of data protection or cyber damage. Since every professional sector has individual requirements, insurances must also be tailored to these needs. The exali.com experts will be happy to advise you on the possible insurance modules in Estonia and will be happy to work with you to determine the best professional indemnity insurance for your business. Take advantage of our customer service employees with over 15 years of experience. What Does Estonian Professional Indemnity Insurance Cover? Our Estonian professional indemnity insurance covers your legal and court attendance expenses for defending a claim as well as any compensation or costs that may be awarded as a result: - Professional negligence - e.g. a mistake in performing a job for a customer or poor consultation including service delays - Unintentional violation of trademark and copyright laws - e.g. using an image on your website without permission - Violations of the EU General Data Protection Regulation - Breach of confidentiality - e.g. passing on sensitive customer information without permission - Loss of your customer’s documents or data - First-party cyber damage, provided you have selected the ‘First Party Cyber Insurance (FPC)’ Add-on - and much more... What is the Difference Between Professional Indemnity Insurance and General Liability Insurance in Estonia? General liability insurance essentially insures personal injuries and property damage as well as consequential losses due to a business or professional activity. It concerns the safeguarding of an entire company. This includes damages that can occur as a result of operational activities. The following, among others, are insured: - Personal injuries and property damage due to faulty service provision - Damages on business trips, at trade fairs, exhibitions and events (worldwide) - Damage to rented office space or event rooms (rental property damage) - Damage in the organisation and execution of seminars or training courses - Damage caused by the professional operation of aerial drones up to 5 kilograms (including camera) - Product liability damage (guaranteed properties) - Loss of customer keys and code cards In contrast, professional indemnity in Estonia is to be understood as an overarching term. It can include financial loss liability to cover pure financial losses and general liability to cover personal injuries and property damage. Additional add-ons such as the First-party Claims Insurance can supplement the scope of professional indemnity insurance. If you take out Professional Indemnity Insurance for Digital Professions in Estonia via exali.com, all relevant insurance modules for the respective industry are included in one package! Every professional indemnity insurance can be individually calculated at exali.com using the real-time calculator on the website with just a few clicks. The following factors are essentially decisive for the costs of Estonian professional indemnity: - Insured area of activity - Annual net sales over the last 12 months - Are you a business founder or a startup company - Selected sum insured for the financial loss liability - Selection of and amount of the sum insured or general liability - Selection of the add-on module - Contract term 1 year or 3 years Sample Calculation of the Total Premium Amount For an IT expert as a business founder from Tartu, the annual net insurance premium in the smallest version starts at around 283 euros per year. (Specifications: Sum insured for financial losses = 250.000 euros, sum insured for personal injuries and property damage = lump sum of 2 million euros, deductible = 250 euros per insured event, contract term = 3 years). Note: The legal company name and form (freelancer, self-employed, company, LP or SE) does not affect the insurance premium. What Advantages does Estonian Professional Indemnity Insurance Have in a Damage Event? Professional indemnity in Estonia very comprehensively covers financial losses as well as personal injuries and property damage that you inflict on third parties (e.g. customers or principals) in your business. The insurer also takes on a reviewing function to determine whether the alleged claims are justified. If this is not the case, the insurer will also cover the costs for defending against unjustified or exaggerated claims (e.g. lawyer, expert and court attendance expenses). In these cases, professional indemnity insurance works like legal expenses insurance. This is why it is also called ‘passive legal protection’ in the context of professional indemnity. There are many possible causes for claims and damage events. Human mistakes, unforeseen circumstances and the unfortunate chaining of several events are often the starting point for an expensive damage event. In this context, damage events do not only arise during active work as damages are also often caused through consulting, for example when critical information is not taken into account. These errors are of course insured, just like, for example: - general consulting mistakes - missing a deadline - programming error - infringements of rights - evaluation errors - instruction errors - analysis errors - calculation errors - measurement error

https://www.exali.com/en-ee/professional-indemnity-insurance/

Who is GIA? Gross Insurance Agency Gross Insurance Agency is a 3rd generation independent insurance agency, founded by Frank Gross. When Frank founded Gross Insurance Agency back in 1972, he was focused on building an agency that would help build the local community by educating people on insurance and helping them to receive insurance benefits that were tailored to their personal needs. This was done through the team of insurance agents Frank put together who worked to build a personal relationship with each of their clients. David Gross (Co-Owner and Licensed Consultant & Agent) David has more than 40 years of insurance and financial advising experience. He has served as president and chairman of many local and state associations. Over the years, he has achieved several designations including Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), Registered Health Underwriter (RHU), and Registered Employee Benefits Consultant (REBC). In his spare time, David enjoys remodeling houses and vacationing. Patti Rolf (Co-Owner and Licensed Agent) Patti started in the insurance industry in 1984 as a co-op with Gross Insurance Agency. After earning her degree in computer programming and becoming a licensed Property and Casualty agent in 1988. Patti enjoys free time with her family and is very proud to continue to help run the family owned business started by her father, Frank X. Gross. Her favorite past times include cooking, playing with her grandchildren, boating at the lake as well as family vacations on the beach. She also serves on the St. Thomas Church Parish Council. Paula Arthur (Licensed Agent) Paula began her insurance career as a file clerk for an insurance company right out of high school. She then served as a receptionist until she came to work for Gross Insurance in 1999. Shortly after joining the Gross Insurance team Paula became a licensed life and health agent. She also became a licensed property and casualty agent in 2022. In her free time, she enjoys reading, spending time with her family and playing with her dog and cat. She also enjoys vacationing in Madeira Beach with her husband, visiting her son in Lexington and listening to local bands with her friends and neighbors. Rachel Wilder (Licensed Agent) Rachel began her insurance career in August of 2018 after graduating from NKU with a Public Relations degree. Rachel and her husband, Jason, welcomed their son into the world in November of 2017 and their daughter in November of 2020. In her spare time she loves to spend time with her husband and kids. She also enjoys being outdoors and vacationing with her family. Mary Hammons (Licensed Agent) Mary began her insurance career as a CSR during her sophomore year in high school. She obtained her insurance license and has moved from a personal lines agent to an agent in our commercial lines department. In her free time, she enjoys crafting, baking, flower arranging, and bowling. She loves spending time with her family watching football, Nascar, UK Basketball, and of course Disney movies with the grand babies. Julie Nunez (Service Specialist) Julie began her insurance career in 2020 as a setting appointments agent right after ending high school. She then joined the Gross insurance Team in 2021. In her free time, she likes to hang out with her friends, watch series or listen to music. Her favorite sport is volleyball. Jean Pettit (Licensed Agent) Jean started in insurance as a CSR in March 1991 with Kentucky Farm Bureau. In January 2012, she took a CSR position with Gross Insurance Agency. Jean is a go getter who also has a part time cleaning business. In her spare time, she loves cooking and making up new recipes. She is in the process of writing a recipe book. Jean also enjoys crafting and refinishing furniture. Judy Readnour (Licensed Agent) Judy started her new career in Insurance in 2000 after her retirement with Levi Strauss in1999. She enjoys spending time with her grandchildren and attending all their school activities. Also, enjoys watching and attending UK Wildcats Basketball games with her husband. In her free time, she enjoys reading, sewing and shopping with her sisters at all the Quilt shops. Nicholas Rolf (Licensed Agent) Nick began his insurance career as a co-op at Gross Insurance during his junior year at the University of Louisville. After graduating with a degree in Marketing, he began working full-time in the agency in 2012. He is a third generation of the family owned/operated agency. Nick is very involved with BIG I KY (serving as the Emerging Leaders Chairman in 2019 and now sits on the Board) as well as the Fort Thomas Business Association. He enjoys spending time with his wife, Jessica, and his children, Charlie and Ellie. They can often be found at the lake, vacationing to the beach or camping. In his free time he also loves 4-wheeling and remodeling.

https://www.gross-ins.com/industries

Truck Accidents Attorney in Macon & Savannah, Georgia According to the National Highway Traffic Safety Administration’s 2020 Pocket Guide to Large Truck and Bus Statistics, there were 198 total fatalities caused by truck accidents in Georgia in 2018. Traffic accidents involving semi-trucks are often devastating and result in serious injuries to vehicle occupants, property damage, hospitalization, and sometimes death. If you or a loved one was involved in an accident caused by a truck driver's negligent actions, you are within your rights to seek fair compensation. At The Law Offices of Peter Meyer, P.C., we are dedicated to providing experienced legal guidance and strong representation to clients in their truck accident claims. Our skilled Georgia personal injury attorney will review and investigate every last detail of your situation and help you understand your legal options to seek damages. Our team will fight zealously to protect your legal rights, help you hold the liable parties accountable, and pursue fair financial compensation for your injuries, damage, additional pain and suffering, or loss. At The Law Offices of Peter Meyer, P.C. we proudly serve clients across Macon & Savannah, Georgia, and throughout the surrounding areas of Bibb, Houston, Laurens, Chatham, Peach, Twiggs, Jones, Dodge, Telfair, Wheeler, Bulloch, Candler, and Bleckley. What to Do if You Are in a Truck Accident The period after your involvement in a truck accident can be unsettling. In such difficult situations, what you do — or fail to do — can have a significant impact on the outcome of your personal injury claims. When involved in a truck accident, you should do the following: Stay calm and never allow your emotions to get the best of you Get yourself to safety and help other accident victims if you can Call 911 to get immediate medical attention for injuries to yourself and other victims Report the truck accident to law enforcement Exchange information with the other drivers involved, including names, addresses, phone numbers, license numbers, and insurance information Document all available evidence, such as police reports, witness statements, and accident scene pictures Document your medical bills and treatments, including doctor's appointments and therapy sessions Document your personal account of the incident and how it has affected your daily life Inform your insurance provider of the incident Hire an experienced lawyer to help negotiate a fair settlement with insurance providers or file a personal injury or wrongful death lawsuit, if applicable An experienced attorney can evaluate the facts surrounding your situation and determine who may be held liable for the truck accident. Assessing Liability in Truck Accidents Compared to car accidents, proving liability in a truck accident case may not be as straightforward. A number of different parties may potentially be held liable for the accident, depending on the surrounding circumstances. These parties include: The truck driver The owner of the truck or trailer The trucking company The truck manufacturer or parts and equipment manufacturers The individuals who loaded the cargo The maintenance personnel or company A private contractor or government agency that failed to properly maintain the highway A skilled truck accident attorney can investigate every aspect of your case, determine the responsible parties, and help you pursue the financial justice you deserve by filing multiple claims. Filing a Personal Injury Claim Georgia is an “at-fault” state. When a traffic accident occurs, the driver who caused the accident (the at-fault driver) will be responsible for medical bills, vehicle damages, and other accident-related losses suffered by the accident victims. If You're the Victim If you're the victim of a truck accident in Georgia, you have three options to seek compensation for your injuries and damage. These include: Filing an injury claim with your own insurance provider Filing a claim with the insurance carrier of the at-fault driver Filing a personal injury lawsuit in civil court against the at-fault party If You're Representing an Incapacitated Loved One If you're representing an incapacitated loved one in a Georgia truck accident case, the first step is to establish conservatorship or guardianship. Once the court appoints you as the legal guardian or conservator of the injured person, you can proceed by filing personal injury claims on their behalf to seek compensation. If You're Representing a Deceased Loved One If you lost a loved one due to a truck accident, the following individuals are eligible to bring a wrongful death lawsuit: The surviving spouse of the deceased person If there is no surviving spouse, the surviving child or children of the decedent If there is no surviving spouse or children, the parent or parents of the deceased person If there is no surviving spouse, children, or parents, the executor or administrator of the decedent's estate According to Georgia law, a wrongful death claim must be brought within two years of the date of the victim's death. Work with a Skilled Attorney Being involved in a truck accident or losing a loved one can be an overwhelming experience that can affect you physically, mentally, and financially. You don't have to suffer through the financial liability and challenges all on your own. Retaining a skilled personal injury attorney as soon as possible is crucial to protect your best interests and help you pursue your rightful compensation. At The Law Offices of Peter Meyer, P.C., we have the resources and experience to support, assist, and represent truck accident victims and their family members during such a difficult situation. Our experienced team will use a comprehensive understanding of the laws pertaining to liability in truck accidents to help guide you through the often complicated legal process. Never leave your fate in the hands of insurers and claims adjusters who aren’t going to protect your best interests. Let our team fight for your rights and help you seek a solution to maximize your financial compensation. Truck Accidents Attorney Serving Macon & Savannah, Georgia If you or someone close to you was hurt in a truck accident, contact us at The Law Offices of Peter Meyer, P.C. today to schedule a consultation. Our firm is proud to represent clients across Macon & Savannah, Georgia, and throughout the surrounding areas of Bibb, Houston, Laurens, Chatham, Peach, Twiggs, Jones, Dodge, Telfair, Wheeler, Bulloch, Candler, and Bleckley.

https://www.meyerlawfirm.net/practice-areas/personal-injury/auto-accident/truck-accidents/

A Variety of Coverages for a Variety of Needs There are other insurance coverages that may provide important protection to you and your practice, depending on your unique situation. Contact one of our agents to talk about how to keep you and your practice protected. If your vehicle is registered in the name of your practice, you may need a business auto policy. Business auto policies protect you and your business if you are involved in an accident in which the vehicle is titled to your business. How your car is used, how it's titled and how it's insured are all important considerations in determining how to insure your car. This coverage includes bodily injury liability as well as physical damage coverage. Hired and Non-Owned Auto Liability This product provides liability coverage for auto exposures not owned by you while used for company business. “Hired” means the vehicle is rented, leased, hired, or borrowed for company business. “Non-Owned” generally describes an employee using their personally owned vehicle that is not owned, leased, hired, rented or borrowed by the named insured for company business. This policy provides coverage for employee theft of money, securities and/or property. A surety bond is required by the Centers for Medicare & Medicaid for all suppliers of Durable Medical Equipment, Prosthetics, Orthotics and Supplies (DMEPOS). A surety bond guarantees the performance of a specific obligation. If you offer a 401k or other type of retirement benefit to your employees, an endorsement may be added to your business owners' insurance policy or for higher limits you may need an ERISA bond. Floods can happen in every state, and just a few inches of water can result in significant damage to your practice. Your business insurance policy does not cover flood damage. However, flood coverage is available as a separate policy. Earthquakes are not always covered under a standard Business Owners' Policy but can usually be added by endorsement. Insurance coverage is available to employers for errors or omissions in the administration of an employee benefit program. This may include failure to advise employees of benefit programs.

https://www.ncmic.com/insurance/business/other-coverages/

Licensed professionals, consultants, and service providers are primarily meant to solve client problems. However, when it's your work that leads to a problem (or makes things worse), what then? Mistakes are normal, no matter the industry and the location. Despite the best efforts and intentions of a person, there will be times when things won't go as planned. As society becomes more and more litigious, it's vital to stay protected from the financial fallout of an employee's actions or your own work if a client ends up with a loss because of it. When a burned client looks into legal action, it makes for really expensive legal costs—and that's the best-case scenario. Enter professional indemnity insurance, which is a key way to protect businesses. Professional Indemnity Insurance: What Is It? Professionals like a plumber, an electrician, or a lawyer must carry a policy that covers them if they harm someone or their property. The insurance covers the cost of any claims as well as the cost of defending any court cases that follow. Any and all expenses related to public relations also become part of this coverage. Put simply, if the third party (a client) alleges that the professional or one of the employees of a business gave advice or did work that led to a loss, the costs can be managed better with the help of professional indemnity insurance. Is Professional Indemnity Insurance Necessary? In certain professions, professional indemnity insurance is required. This includes the likes of: Medical practitioners (like dentists, doctors and surgeons) Real estate agents Beyond that, there is no existing statutory requirement for professional indemnity insurance to be carried out in Australia. Requirements vary by state, so it's key to have an insurance advisor that can help provide relevant information. It's not uncommon for professional indemnity insurance to be a condition for membership in peak professional bodies. Certain professional associations, collective organisations, or clients will likely require businesses to have professional indemnity insurance. Professional Indemnity Insurance: What Kind Of Claims Does It Cover? Each policy is unique to the industry, company and particular risk profile. Overall, professional indemnity insurance covers claims that stem from: Breach of duty Consumer law breaches Damages for dishonest or negligent behaviour Loss of documents Carrying professional indemnity insurance is an excellent choice because there's a whole range of possible cases where a company has risk exposure. This intensifies with businesses that offer training and teaching, provide advice to clients, or create schemes, drafts, drawings, or designs. At that point, the work exposes the business to risk daily. Professional indemnity insurance is a safety net that's affordable and provides financial protection alongside peace of mind. They can usually be tailored, depending on risk profile and requirements, to meet the needs of a business. Professional indemnity insurance is great protection for businesses. Some professions actually require it, such as medical practitioners and accountants. It's a great way to address costs associated with third-party (client) claims that services led them to a loss. In need of professional indemnity insurance on the Gold Coast? Check out New Wave Insurance today! We aim to connect all of our clients with the proper insurance for their business, vehicles and assets.

https://www.newwaveinsurance.com.au/post/professional-indemnity-insurance-2

Read the Vistaplan Financial Group blog: Universal Life Insurance, Term Insurance, Disability Insurance, Critical Illness Insurance, Super Visa Insurance. Posted: 30 Nov '17 When shopping around for life insurance, the first thing you'll need to consider is whether you want permanent or term life insurance. A permanent life insurance policy covers you for your entire lifetime. A term life insurance policy covers you for a predetermined number of years although the premiums increase after each term. For example, in a term 10 policy the premium increases every 10 years. If you have a spouse, a family, a mortgage, or other financial obligations, permanent life insurance may seem like the obvious choice. However, there are many reasons to choose a term life insurance policy instead. Below are advantages and disadvantages of term life insurance. Term life insurance policies are a good choice for anyone who wants a simple and inexpensive policy that will protect their loved ones in the event of their death. Still not sure if term life insurance policy is right for you? We can help. Contact us at our Edmonton office for a free, no obligation quote.REQUEST YOUR INSURANCE QUOTE David is a well-respected insurance advisor with over 30 years of experience helping healthcare professionals, business owners, and their families secure their financial futures. He takes the time to make certain his clients understand the life, disability, and health insurance products they are purchasing, so they can make the right choices for their budgets, plans, and futures.

https://www.vistaplan.ab.ca/insurance-blog/is-a-term-life-insurance-policy-right-for-me/

Contents Claim: Do you Know what You Own? It’s common to think that the landlord’s insurance policy also ensures its tenant. But unfortunately, that isn’t the case. The landlord’s insurance protects the building and its personal liability risk. Their insurance will not protect your belongings or your liability. When asked to describe renters insurance to new tenants, a broker will generally say, “It’s a policy designed to protect your stuff and liability risk”. Our personal belongings might cost tens of thousands of dollars to replace. If the building is damaged by fire, it could all be gone instantly. The dilemma arises when your adjuster asks you to provide a list of lost or damaged items when filing a claim. It’s unrealistic for us to remember every single item we own, but in case of a claim, that’s what we have to do. If a fire or someone breaks in, your insurance company will ask you to list everything you’ve lost. Claims are stressful enough without remembering every t-shirt, pair of shoes, DVD, and cooking utensil. But there are a couple of ways you could make things a little easier for yourself. There’s no better time to do this than when you first move in! All your stuff is in boxes, organized (sort of) and easy to identify. Take a picture of your closet or a video of you walking through each room. If you have a claim, you’ll be able to look back and see a general snapshot of what you owned. For special items that can’t easily be replaced, ensure you have a record of it for the adjuster. Things that can’t be replaced will be settled for cash value. However, you may not get fair compensation without knowing the item’s specifics. Pictures or receipts of purchases are great ways to keep track of what you own. Another option is to record it physically; click here to see our downloadable checklist. Track New Purchases We don’t mean every time you buy a new bottle of shampoo or six-pack of socks. But if you purchase a new TV, mattress, or golf clubs, keep the receipts. Significant purchases should have a record; that way, if you experience a break-in and someone takes all your cool new things, you’ll have a history of what brand, make, and model you purchased! Insurance providers do not know what you own; if you can’t remember, it can be much harder to replace. They can assume a reasonable amount, like clothing and furniture you probably owned to a certain degree. But if you’re the girl with over 200 pairs of shoes, you will have a hard time convincing your adjuster without some proof. By taking these extra steps, you make things easier on yourself and stand a better chance of truly getting your life back to how it was before the loss occurred. Want to learn more about the coverages included in Renters Insurance? Because tenant insurance coverage doesn’t cover the cost of rebuilding the apartment or house you’re living in (the landlord’s policy does that), the price of a tenant policy is often much more affordable than one might think. Getting a policy to protect yourself might cost less than you think as long as you remember that what you’re saving is much more than you realize. Want to get started on a quote for Renters Insurance? Try our quick and easy quote portal and obtain real-time pricing in just minutes!

https://harvardwestern.com/do-you-know-what-you-own/

Welcome, fellow business enthusiasts! In today’s article, we’ll be diving into the intriguing world of directors and officers insurance. As business owners and leaders, we know that our decisions come with great responsibility and potential risks. That’s where directors and officers insurance comes into play. So, join us as we explore the ins and outs of this crucial coverage and how it can safeguard your business and its leaders from unexpected challenges. Throughout this article, we’ll shed light on different aspects of directors and officers insurance, discussing its importance, coverage details, and frequently asked questions. By the end, you’ll have a thorough understanding of this invaluable protection, allowing you to make informed decisions for your organization. Let’s dive in! The Basics of Directors and Officers Insurance Understanding the Role of Directors and Officers Insurance When overseeing a business, directors and officers bear immense responsibility for their decisions and actions. Unfortunately, this leadership role also exposes them to potential legal claims and financial liabilities. Directors and officers insurance, often referred to as D&O insurance, provides coverage for these individuals, protecting their personal assets and helping safeguard the organization’s financial stability. Directors and officers insurance is designed to offer financial protection when facing allegations of wrongful acts, mismanagement, breach of fiduciary duty, fraud, or other similar claims. It acts as a safety net, covering legal defense costs, settlements, and judgments that may arise from such claims. The Scope of Coverage Offered D&O insurance typically covers a wide range of risks related to the actions and decisions of directors and officers. Its coverage extends to legal costs associated with investigations, regulatory actions, and civil lawsuits. Let’s take a closer look at some key areas of coverage provided by directors and officers insurance: Protecting Against Alleged Wrongful Acts Directors and officers might face accusations of wrongful acts, such as financial mismanagement or breach of duties, from various parties such as shareholders, employees, clients, or regulatory bodies. D&O insurance steps in to defend against these claims and provides coverage for legal representation, negotiation, and any resulting settlements or judgments. Additionally, this coverage can extend to claims related to intellectual property infringement, employment practices, harassment, discrimination, misrepresentations, and more. Directors and officers insurance acts as a shield, protecting the personal assets of leaders and ensuring the organization’s financial stability is not jeopardized. The Benefits of Directors and Officers Insurance Financial Protection for Directors and Officers Directors and officers insurance not only safeguards the personal assets of organizational leaders but also offers them peace of mind. By providing coverage for legal fees and potential settlements or judgments, D&O insurance alleviates the financial burden placed on individuals when faced with claims. This allows directors and officers to focus on their roles and responsibilities without undue stress or worry about personal financial ruin. Moreover, this coverage can attract and retain talented individuals for executive positions within your organization. Prospective directors and officers often seek assurance that their personal assets will be protected in case of legal challenges. By offering directors and officers insurance, you enhance your organization’s appeal as a safe and secure workplace for top-tier leadership. Understanding the Coverage: A Detailed Breakdown Let’s take a closer look at the key components and provisions you’ll find within directors and officers insurance policies. Understanding these details will allow you to determine the appropriate coverage for your organization’s needs. Policy Limits and Deductibles Directors and officers insurance policies come with two crucial components: policy limits and deductibles. Policy limits refer to the maximum amount of coverage the insurance policy provides for a given claim or policy period. It’s important to choose policy limits that adequately protect both your directors and officers as well as the organization’s financial health. Deductibles, on the other hand, represent the amount the insured party must pay towards a covered claim before the insurance coverage kicks in. It’s essential to determine deductibles that align with your organization’s risk tolerance and financial capabilities. Frequently Asked Questions about Directors and Officers Insurance Q: What is directors and officers insurance? Directors and officers insurance, commonly known as D&O insurance, is a specialized form of liability insurance that provides protection for key members of an organization against legal claims and financial liabilities arising from their actions and decisions as leaders. Q: Who needs directors and officers insurance? Directors and officers insurance is vital for any company, regardless of its size or industry. Private, public, and nonprofit organizations can all benefit from this coverage, as the risks and liabilities faced by leaders are present across various sectors. We hope this article has provided valuable insights into the world of directors and officers insurance. Protecting your business and its leaders should be a top priority, and D&O insurance offers the necessary shield against potential legal claims and financial hardships. Remember, being proactive and adequately insured is the key to navigating the complex terrain of leadership. Now that you have a grasp on the basics, consider exploring further articles to deepen your knowledge and enhance your organization’s resilience. Stay informed, stay protected!

https://laurenboilini.net/2023/09/29/directors-and-officers-insurance/

The Scrubba Wash Bag is a winner in this years 50 Campfires Gear Of The Year Awards. The Camping Authority Announces Annual Gear Award Across Six Categories 50 Campfires released its annual Gear of The Year award, recognizing top tier selections across categories of Sleep, Eat, Play, Wear, Personal, Fire and Gadgets. The 50 Campfires Gear of The Year Award serves to recognize outstanding outdoor recreation gear available during the preceding year, worthy of special note for people who value spending time outdoors and equipping themselves with the best gear available. We are honored to announce that the Scrubba Wash Bag has been named a winner under the 'Personal' category. "Over the past year, the editorial team of 50 Campfires has tested, camped, hiked, paddled and plugged in with some of the most amazing outdoor gear on the planet," said 50 Campfires Director, Nick Grzechowiak. "We're fortunate that our work overlaps with our play, giving us the ability to go in-depth and find the gear that's been built for you, and our adventures." Full details on all of the 50 Campfire Gear Of The Year awards can be found at www.50campfires.com About 50 Campfires: 50 Campfires is a media network designed to be the camping authority for camping outdoor enthusiasts, with content focused on camping gear, cooking, locations and tips. 50 Campfires distributes content across its website, monthly magazine, Facebook, Twitter, Pinterest and Daily Outdoor Periscope broadcast.

https://thescrubba.com/blogs/news/81353924-50-campfires-gear-of-the-year-awards

There are a few words that every small business owner barely tolerates to hear: “there was a fire in the kitchen” and “the restaurant is flooded” come to mind- and that’s why business interruption exists. As you know, small business owners are busy people with many errands on their to-do list; however, sometimes they forget to protect themselves against the unexpected. Even research shows that one in five start-ups would shut down within 30 days if sales don’t work, yet only 23% consider business interruption coverage. That means any small glitch in the cash flow can put the business on a risky path. Typically, business owners aren’t accurately insuring themselves against common revenue threats. What is Business Interruption Insurance? Business interruption insurance, often referred to as business income insurance provides financial support to companies that are forced to close their operations for a while due to a peril that impacted their business assets and property. Frequently, a business interruption insurance is linked to a BOP (Business Owner’s Policy), which typically also includes property insurance and general liability. And since that’s a common way to receive this coverage, it’s definitely not the only way. A small business owner can also add this type of coverage to their commercial property insurance policy. For instance, self-employed business owners who work remotely usually add business interruption to validate their homeowner’s insurance policy. Regardless of how you choose to get this coverage, what matters the most is knowing what expenses and losses business insurance covers and what expenses you’ll need to count on other business insurance policies to cover. What does it cover? As we’ve previously mentioned, business interruption insurance is very much linked to your commercial property policy, which means that perils and events generally are covered by your business interruption policy. Let’s take a look at the multiple costs covered by a business interruption policy. Actual Loss Sustained Business interruption coverage is meant to protect against an actual loss suffered by an insured as a result of damage to the insured’s property or direct physical loss by a threat not otherwise omitted from the policy. At this point, the insurance company is only obligated to pay if the company insured suffers an interruption of business, leading to genuine income loss. However, this loss is subject to the insurance limit or submit that is relevant to the specific location where the peril that leads to loss or where the loss occurs. Typically, an insurer is held accountable for the reduction in net income that issues from the suspension of operations- whether partially or wholly – due to a physical loss at an insured’s location. Usually, insurers consider business income to include: - Net income (profit and loss before income taxes) that would have been earned or suffered by an insured. - Normal operating costs suffered, which include payroll, that continues despite the suspension of operations. Insurers are responsible for the loss of business income only throughout the restoration period, which is often defined as the length of time necessary to repair, rebuild, or replace destroyed or damaged property. A restoration period starts at the moment a physical loss or damage occurs – it typically ends when the property should, with practical speed, be replaced or repaired, and the location is set and ready for normal operations to resume. When the policy expires, that doesn’t end the period of restoration; as long as the physical loss occurs during this policy period, a business interruption policy has to provide coverage throughout the restoration period. A business interruption policy in a property policy or added endorsement will deliver additional coverage even for extra expenses. Such extension is meant to cover the insured’s necessary costs during the restoration period that would not have been experienced had there been no physical loss to real or personal assets caused by a covered peril. When a company income loss happens, an insured is responsible for taking the necessary steps to minimize or prevent it. Any costs experienced to reduce the loss are covered as a part of the business income loss, as long as they don’t surpass the loss itself. An insurance company will typically not pay if the costs exceed the claim itself. For instance, the insurers will reimburse the insured $100 to minimize the company income loss of $200, however, they will not pay the same amount if the policy is only reduced by $50. Any extra costs exceeding this $50 amount necessary to continue the operations may be recoverable only under an additional expense provision in an insurance claim. When businesses choose to include a service interruption extension within the policy, this, in turn, provides business income coverage ascending from direct damage, physical loss, or destruction to steam, electrical, water, gas, telephone, sewer, and other utility service’s transmission lines and related substations, plants, and equipment supplying these services to an insured company. Business owners, operators, or managers of these services or utilities are not named insureds within the policy. Typically, a physical loss, destruction, or damage at the utility or service location usually must be the outcome of a peril similar to those enclosed under the insured’s policy. There are some restrictions on coverage that may apply: - Distance restrictions, where the actual damage or physical loss of the utility’s property, must happen within a defined distance in relation to the insured’s premises where the organization income loss happens. - Exclusion of certain dangers such as earthquakes. - Omissions for overhead transmission and distribution lines. - A waiting period of 24 or 48 hours during which no policy will apply unless the period of interruption of the operations surpasses the agreed period. It’s impossible to know when a disaster will hit- but when the unexpected happens, a business interruption coverage can help you protect your business. If you don’t have a business interruption insurance yet, perhaps it’s time to invest in one. Doing so just might turn out to be the smartest move you’ll ever think of.

https://tycoonstory.com/what-is-business-interruption-insurance-and-how-does-it-work/

Insurance in the United States Insurance is a means of risk management used for contingent risk. It is in fact a means of protection from financial loss. There are some insurance costs in the United States such as health insurance, life insurance, car and motorcycle insurance, home insurance, business insurance, and more. Join Virlan to know more about insurance cost in the United States. What are the types of insurance in USA? - Car Insurance. - Home Insurance. - Life Insurance. - Disability Insurance. - Health Insurance. - Long-Term Care Insurance. - Liability Insurance To get any of these insurances, you need a social security number or so-called SSN, which you must apply for. When you want to apply for insurance in the United States, the insurance contract must be read carefully. Because the insurance system of this country is very smart. SOS Insurance in United States It is an international insurance that can be used inside and outside the country. The rate, variety and quality of its services are pretty well and people can contract individually. SOS Insurance has the highest experiences and medical services. It also has high international standards. Medical or Health insurance Medicare: This insurance does not cover immigrants. It includes hospitalization and surgery, doctor and laboratory visits, photography, medications and prescriptions. It costs between $600 and $1,000. Medicaid and Medicaid: New immigrants cannot use this insurance. Immigrants must complete and submit a sponsorship form prior to immigration (New immigrants will generally be able to use Medicaid after at least 5 years in the United States.) US Domestic Individual Health Insurance: People under the age of 65 can use this type of insurance, depending on the state in which they live and the length of their stay. For people over 65, the monthly premium is very high, approximately $1,500 to $2,000 per month. US Based Visitors Health Insurance: This insurance is for immigrants and residents of the United States. In fact for those who have a permanent residency in the United States and are under 65. In fact physical presence in America must be more than six months. US Based new Immigrant Health Insurance: This insurance covers new immigrants. They can use this type of insurance as long as they do not qualify for medical insurance. Non US Based Visitors Insurance Plans: This is especially available for tourists and does not include immigrants. Premiums are paid in the country of origin and based on it’s currency. You should first pay the cost, then the amount paid is returned in your own country. Car insurance in the United States To insure your car, you must have your insurance documents. The history of your accidents should be checked (in 2 or 3 recent years). The process of car insurance include so many questions such as: The model, car year, car mileage, the usage of car per day, postal code of residence, distance from work to home, the number of people driving the car, education, job position and etc. The services they offer are also different based on types of insurance. Home insurance in the United States Home insurance also requires some information such as postal code and location (The price of insurance is higher in more expensive locations). In the case of home stuff, insurance costs about $170-200 per year. There are many varieties of life insurance. For this insurance, the age of the insured is very important, which is very variable. The price range is $25-30 for people under 40. Moreover, premiums paid for men are higher than women. Gradually, the premiums will increases with age. You can find more detailed information about this section with the words Allstate, AARP and MetLife.

https://virlan.com/en/insurance/insurance-in-the-united-states-how-much-does-it-cost/

Who Is to Blame For Your Truck Accident? Truck accidents are notoriously devastating. Often resulting in serious injury, death, and property damage, accidents involving trucks often leave victims wondering what to do next. As injured parties face significant medical bills as well as lost income, seeking fair compensation is always at the front of their mind. Who Is to Blame? With Truck Accidents, It Is Not Always Clear Most traffic accidents are caused by negligence, typically that of another driver. In truck accidents, negligence is also commonly to blame, but with commercial trucks the negligent party is not always the driver. Some of the most common causes of truck accidents in which the driver is to blame include: - Excessive Speed - Drug Use & Intoxication While these are also common causes of many traffic accidents, commercial drivers operate under much higher standards and stiffer regulations than typical motorists. From mandated rest periods and duty limitations to stricter guidelines on over-the-counter drug use, truck drivers found in violation of these rules after an accident will be held liable. Of course, truck drivers can do everything right and end up in an accident—so how would liability be determined? Many times, equipment failure on the truck or trailer could be to blame, in which case it would need to be determined whether mechanics, a part manufacturer, or a trucking company’s lax maintenance standards are to blame. There are so many behind-the-scenes players in a commercial truck carrying a load that hiring an attorney after an accident is a must for any person that has suffered property damage or injuries. With several potentially liable parties as well as several insurance companies involved, truck accident injury cases can quickly become messy. By hiring an attorney that is familiar with the regulations governing the commercial trucking industry, as well as a skilled negotiator, you will greatly increase your odds of recovering maximum compensation. The personal injury attorneys at Curry, Pearson & Wooten have the experience necessary to successfully represent you in your claim—connect with our firm today to schedule your free consultation.

https://www.azlaw.com/who-is-to-blame-for-your-truck-accident/

MIAMI – August 14, 2023 – Carisk Partners (Carisk), a specialty risk transfer and care coordination company, is pleased to announce the strategic addition of several talented professionals to its growing team. These appointments come at an opportune time for Carisk, furthering the company’s ability to drive results across its growing portfolio of products and services. The new team members bring a diverse range of expertise and experience, enhancing Carisk’s innovative solutions for its client partners and patients: Natasha Charleston, LCPC, CRC, CISM, EMDR is a Behavioral Health Specialist who brings over 15 years of experience in substance use counseling, vocational rehabilitation, and catastrophic case management. Natasha is a trained Crisis Counseling Professional, Critical Incident Stress Management Expert, Trauma Therapist, and Certified Rehabilitation Counselor who specializes in supporting patients dealing with the emotional effects of their workplace injuries. In her role, Natasha will be reporting to David Vittoria, Carisk’s Chief Behavioral Health Officer and will be responsible for furthering the behavioral health focus in the Pathways™ 2 Recovery service model. Prior to joining Carisk, Natasha worked for Genex (formerly Coventry Health Care) for over 12 years as a vocational field case manager. Brian Hebert, RN is a Registered Nurse with extensive workers’ compensation experience. Brian has joined Carisk as Vice President of Clinical Operations and Quality Management reporting to Dr. Alana Letourneau, Chief Clinical Strategy Officer. In his role, Brian will be responsible for overseeing clinical services in the Carisk Outcomes division. Brian brings with him more than 25 years of clinical experience with a specific interest in care coordination for catastrophic workers’ compensation cases. Prior to joining Carisk, Brian worked for Paradigm Outcomes and Liberty Mutual Insurance. Dan Sheehy has joined Carisk as Vice President of Sales responsible for driving revenue for Carisk’s Specialty Risk Transfer product. Bringing more than 25 years of experience in the workers’ compensation industry, Dan will be reporting to Tom Downey, Carisk’s Executive Vice President of Sales. Prior to joining Carisk, Dan worked for Genex (formerly Coventry Health Care) and AIG. Madison Berardo is joining Carisk as a Regional Client Manager, Client Strategies reporting to Tyisha Torres, the Vice President of Account Management. Prior to joining Carisk, Madison was a Senior Client Manager at Cigna. Madison interned with Carisk in 2019 prior to her graduation from University of Florida where she was a Journalism and Communications Major. Following graduation, Madison completed Aetna’s E.E. Cammack Group School Program and transitioned to a Client Manager role at Cigna. In her new role at Carisk, Madison will be responsible for client relations for large group accounts in the Northeast Region. Joseph Berardo, Jr., Carisk’s CEO and Chairman of the Board expressed enthusiasm about the new additions: “We are thrilled to welcome such a talented group of individuals to our team. These appointments come at a pivotal time for the company and reflect our commitment to driving innovation and excellence in the workers’ compensation industry.” The company remains dedicated to fostering an environment of collaboration, transparency, respect, innovation, and professional growth. In addition to the Outcomes division growth efforts, Carisk’s ongoing expansion journey includes an extensive list of new hires and promotions in 2023 across all of its divisions and for a range of roles including Care Coordination, Sales, Clinical, Operations, Information Technology, Marketing, Finance and Administration. Among them, approximately 25% have been hired out of Carisk’s award winning internship program fostering Carisk’s commitment to cultivating future leaders in the workers’ compensation industry. Carisk employees are the company’s greatest asset and benefit from job satisfaction and career growth. Employees take ownership in helping to grow the company while living out the core values in their daily roles. For the third consecutive year, Carisk has been awarded Modern Healthcare’s Best Places To Work in healthcare consistently ranking in the top third of the Best Places list. In addition to being recognized by Modern Healthcare, Carisk was recognized by Business Insurance’s Best Places to Work in Insurance list as well as being named to RISE Professionals list of “The Elite 50 internships”. In the RISE Professionals list Carisk was top rated as the company with the Best Quality of Life. Carisk offers competitive salary, benefits, and the opportunity to grow both personally and professionally. About Carisk Partners Carisk is a specialty risk transfer, care coordination company serving insurers, government entities, self-insured plan sponsors and other managed care organizations. Since 2016, Carisk Partners has redefined the way patients and clients access the highest quality care and support services since introducing its foundation in behavioral health into the workers’ compensation marketplace. Today, Carisk continues to transform the works’ compensation and group health markets by providing seamless experiences across all products and services and empowering patients through its proprietary Pathways™ 2 Recovery care model. Carisk’s employees are change makers committed to improving the lives of our patients through our relentless compassion, superior service, and commitment to innovation. Visit www.cariskpartners.com to learn more.

https://www.cariskpartners.com/carisk-partners-welcomes-new-hires-to-strengthen-and-expand-team/

Can I recover losses from investments with Lincoln Financial Advisors broker Airinhos Serradas (CRD# 2189985) who is accused of unsuitable investment recommendations? He has been registered with Lincoln Financial Advisors in Fishkill, New York since 2013. Previously, he was registered with Metlife Securities Inc. in Fishkill, New York from 2011 to 2013. Airinhos Serradas Customer Complaints He has been the subject of one customer complaint, according to his CRD report: June 2022. “Claimant alleges he does not remember authorizing the representative to move funds into a money market annuity sub-account. Claimant also alleges the representative implemented an unsuitable investment strategy within the Claimant’s two variable annuities.” The case is currently pending. Pursuant to FINRA Rules, member firms are responsible for supervising a broker’s activities during the time the broker is registered with the firm. Therefore, Lincoln Financial Advisors may be liable for investment or other losses suffered by Airinhos Serradas’ customers. Erez Law represents investors in the United States for claims against brokers and brokerage firms for wrongdoing. If you have experienced investment losses, please call us at 888-840-1571 or complete our contact form for a free consultation. Erez Law is a nationally recognized law firm representing individuals, trusts, corporations and institutions in claims against brokerage firms, banks and insurance companies on a contingency fee basis. "*" indicates required fields

https://www.erezlaw.com/blog/airinhos-serradas/

Welcome to Insurtech Story TV, the ultimate destination for insightful conversations at the intersection of insurance and technology! Join us as we delve into the dynamic world of insurtech, exploring the latest innovations, trends, and success stories shaping the industry. Our expert host lead engaging discussions with trailblazing leaders, entrepreneurs, and visionaries who are revolutionizing the insurance landscape through cutting-edge technology. Whether you're an industry professional, tech enthusiast, or simply curious about the future of insurance, Insurtech Story TV is your go-to source for captivating conversations that unravel the ever-evolving narrative of insurtech. Tune in, stay informed, and be inspired by the stories that are reshaping the future of insurance! Description: In the dynamic landscape of insurance, the integration of generative AI models has emerged as a transformative force, reshaping traditional approaches to risk assessment, claims processing, and overall decision-making. As these sophisticated models become integral to industry practices, questions surrounding their evaluation metrics, real-world applications, and ethical implications become paramount. In this podcast, we delve into the intricacies of generative AI's role in insurance, exploring key metrics, practical successes, and the ethical considerations that guide their development. Join us as we navigate the intersection of artificial intelligence and insurance, unraveling the promises, challenges, and evolving landscape of this cutting-edge technology. Description: In an era marked by escalating cyber threats, the intersection of cybersecurity and insurance has become a critical focal point for safeguarding businesses. This podcast explores the synergies between these two domains, delving into the evolving strategies and collaborative efforts that industry experts employ to navigate the complex landscape of cyber risks. From identifying shared challenges to harnessing innovative solutions, we unravel the integral relationship between cybersecurity and insurance, shedding light on how organizations can fortify their defences, mitigate risks, and foster resilience in the face of an ever-changing digital threat landscape. Welcome to a conversation at the nexus of security and assurance. Description: Blockchain and smart contracts are transforming insurance, introducing efficiency, transparency, and trust. Blockchain, a secure decentralized ledger, is revolutionizing data storage, enabling streamlined processes, reduced fraud, and enhanced data integrity. Smart contracts, encoded on the blockchain, automate policy terms, expediting claims and ensuring accuracy in settlements. Join us as we explore how these technologies are reshaping the insurance landscape, promising a seamless and trustworthy experience for insurers and policyholders alike. Description: Welcome to our latest episode where we unravel the transformation of insurance models in the era of Digital Transformation. Discover how technology, from data analytics to artificial intelligence, is reshaping risk assessment, personalizing offerings, and elevating customer experiences. Join us as we explore the strategies insurers are employing to stay agile and customer-centric in this rapidly evolving digital landscape. Description: Digital transformation in today's era is not just the application of technology, rather its more to do with culture, people, adaptability and tangible value creation that would integrate every business activities, processes and technical abilities to create outcomes not just in terms of profitability but also in terms of sustainability and prosperity. The Digital Choices, enables the understanding on what's going on in the ecosystem when we say, "digital transformation" and what we should be doing to strategies our priorities to leverage and optimize on every possibilities and opportunities that new technologies have to offer. Disruption is the new norm, but how to absorb and manage disruption will be the new art towards success. Description: Discover the future of insurance as it evolves with cutting-edge technologies, personalized offerings, and innovative coverage models. Join us on a journey exploring how advancements in data analytics, AI, and blockchain are redefining risk assessment and reshaping the industry. Get ready for a glimpse into a future where insurers adapt to changing consumer expectations, employ adaptive pricing, and prioritize sustainability, all to enhance the overall insurance experience. Welcome to the next era of insurance. Description: Join us for a quick dive into real-life applications of Insurtech, where technology meets insurance. Explore AI-powered underwriting, blockchain security, and more as we unveil how Insurtech is reshaping the industry. Discover tangible examples of innovation that are revolutionizing risk assessment, customer experiences, and operational efficiency. Welcome to a snapshot of the transformative power of Insurtech. Description: Explore the profound impact of "Digital Transformation in Insurance" as we navigate key stages of the industry's value chain. From customer interactions to claims management, discover how technology is reshaping practices, enhancing efficiency, and revolutionizing customer experiences. Join us in this brief but insightful discussion on the strategies and success stories driving the future of insurance through digital evolution. Stay ahead with a glimpse into the transformative power of technology across the insurance value chain.

https://www.insurtechstory.com/general-8

The electrical division has evolved over the past 12 months to support the growing needs of our business. We have carried out a number of exciting projects in the renewable heating market, involving Ground Source and Biomass Heating Systems. The design of the electrical controls has proved vital to the success of the installation, it is a specialist skill, one that we now offer in-house. No need to wait for another company! Other services include: - Lighting and power design - 3 phase installations - Inspection and Testing - Commercial Heating Systems with weather compensation - Renewable Heating Systems – Biomass Boilers, Ground Source Heating, Air source and Underfloor heating. Projects recently finished. Over the past 12 months we have successfully tendered for the design and installation of Biomass Heating Systems in businesses, either Working Farms, Ice Cream Parlours, Churches or Private Halls. Commercial Biomass Systems Installed at: - Wallings Ice Cream at Cockerham - Claughton Hall at Garstang - Tatham Church - Lowgill Church – Lowgill - Robinsons – Slaidburn – Farm - Wellbank – Ireby Farm, Ireby – Farm Domestic Biomass Installations currently underway: - The Snab – Aughton Commercial Boiler Installations Installed at: - Windermere Centre – Windermere – commercial Gas Boilers - Malham Tarn Field Centre – Commercial Oil Boilers - Field Studies Council – Commercial Gas Boilers If you are interested in finding out more about landlord safety certificates, you can call us on 015242 62330 or use one of the option below.

https://www.wheildons.co.uk/electrical/commercial-electrical/

Marble is an incredible material that is known to be extremely versatile. It has been successfully used in everything from modern art to ancient architecture. A fireplace made from natural marble looks splendid and will always remain unique in shade and colour. Marble fireplaces are available in a variety of styles that project both straight strokes as well as natural curves. A marble fireplace will add charm to any room. It will meet every aspect of your expectations. Your fireplace must look great and also perform with the highest possible efficiency. There are several variations of marble fireplaces on offer. The variation in marble colours and lines will allow your fireplace to integrate into every existing decor within your home. A marble fireplace will add a striking flair to your room. Most marble fireplaces are available in standard sizes. Alternatively, they can be custom made to meet your specifications. Every room in your home speaks volumes about your lifestyle. You must therefore ensure that their décor is just perfect. Especially for rooms that have a fireplace in them. A marble fireplace is a great way of adding modern look combined with an exquisite style as well as sophistication to your home. It will look perfect in your living room, bedroom or even the dining room! There is a wide range of marble fireplaces on sale. You can opt for a cast iron marble fireplace, a natural marble fireplace or even a man made marble fireplace. Fireplaces made from natural marble is the first obvious choice of most customers. These fireplaces have been made with the finest marble sourced from across the globe. However, some customers tend to prefer fireplaces built using man made marbles. This is because it is about 3 times stronger as compared to a natural marble fireplace. A marble fireplace is no longer an expensive option limited to the rich only. You can now upgrade your space with an exclusively designed marble fireplace, at an incredibly affordable price!

https://camdenfires.co.uk/exquisite-affordable-marble-fireplaces/

Hey there, green thumbs and landscape artists of Spring Valley, San Diego County, CA! In the world of landscape contracting, where every day brings a new challenge, having the right insurance coverage is like having the perfect tool for the job. Let's dig into why landscape contractor insurance is not just important, but essential for your business. And remember, Chuck Miller Insurance Services is just a call away at (619) 469-4418 for all your insurance needs! Imagine this: You’re transforming a backyard into a serene oasis, or you’re manicuring a public park to perfection. Sounds idyllic, right? But what happens when unexpected events occur – an employee gets injured, a client's property is damaged, or your equipment gets stolen? That's where landscape contractor insurance comes to your rescue. Injuries on the job are a real risk in our industry. Insurance can cover medical expenses and lost wages. From lawnmowers to hedge trimmers, your tools are your lifeline. Insurance helps replace or repair stolen or damaged equipment. Mistakes happen – maybe a window gets broken during a job. Liability coverage is there to handle these mishaps. So, what exactly can you expect to be covered under landscape contractor insurance? Here’s a quick overview: Every landscaping business is unique, just like the projects you undertake. That’s why at Chuck Miller Insurance Services, we offer customized insurance solutions that fit your specific business needs. Connect with us at (619) 469-4418 to find out more. Here are a couple of examples where landscape contractor insurance provided crucial support: Case Study 1: The Overturned Mower A lawn mower overturns, injuring an employee. The insurance covered medical expenses and compensated for time off work. Case Study 2: The Accidental Window Break A stone from a trimmer breaks a client's window. Liability coverage took care of the replacement costs. Your passion for landscaping shapes our community's beauty. Let Chuck Miller Insurance Services help protect that passion. With the right insurance, you can focus on creating breathtaking landscapes without worry. Give us a ring at (619) 469-4418 or visit our online quote request form. We're here to help your business bloom in Spring Valley, San Diego County, CA!

https://chuckmillerins.com/landscaping-insurance

As data about drivers proliferates, auto insurers look to adjust rates by Alina Tugend, New York Times It’s no surprise that car accidents, speeding tickets and where you live all affect how much you pay for automobile insurance. But consumer groups say that other, apparently unrelated, factors are unfairly being used to set rates. Two organizations, the Consumer Federation of America and the New York Public Interest Research Group, have released separate reports contending that the factors insurance companies are using to determine rates — like educational level and occupation — are detrimental to consumers, especially to low-income customers. And J. Robert Hunter, a former Texas insurance commissioner and now director of insurance for the consumer federation, said insurers were increasingly using pricing models to raise the cost of auto insurance for some groups of people who are unlikely to change insurers, even if their premiums go up. But insurance companies say any factors they use in determining rates are approved by state officials and that factors like education level and occupation are “highly predictive” of which groups are more likely to make more frequent — and more severe — claims. The federal government is now entering the debate for the first time. The Federal Insurance Office, created in the Treasury Department in 2010 as part of the Dodd-Frank Act’s overhaul of the financial system, announced this month that it planned to study and monitor the affordability of auto insurance for low- and moderate-income consumers. Legally, insurance companies cannot consider income, race or religion in determining premiums, but the New York Public Interest Research Group contends that permissible questions about occupation and education level are being used “as surrogates for income,” said Andy Morrison, a consumer advocate at the organization. Robert Hartwig, president of the Insurance Information Institute, a trade organization for insurance companies, said, “In general, there’s a trend to use more factors,” but he said that it benefited consumers. More data available online about all of us, he said, along with increasingly sophisticated software to interpret those details, gives insurance companies better information than ever in targeting insurance rates. That is true, Mr. Morrison said, but in his view, it is not a good development. His group’s analysis found that some of New York’s largest auto insurers charge higher rates to drivers with less education and nonprofessional, nonmanagerial jobs. The research was simple: Mr. Morrison went to the websites of large auto insurers like Geico, Progressive and Liberty Mutual and typed in identical information for a single 30-year-old woman when seeking a rate quote. He changed only education level and occupation. He found that a bank teller with a high school degree would pay on average 18 percent more than a bank executive with a college degree. And a high school graduate who worked in retailing could pay 41 percent more annually than that bank executive. “A person with a lower income with a clean driving record might pay more than a person with a higher income with a poor driving record,” Mr. Morrison said. Previous studies have shown the problem is not limited to New York. After the report was released, a New York State assemblyman, Kevin Cahill, a Democrat, held a seven-hour hearing on the issue, and the state Department of Financial Services, which oversees insurance companies that do business in the state, promised to look into the matter. Most states permit insurance companies to use not only ZIP code, age, driving record, mileage and car make and model, but also marital status and gender — which is good news for married people and women, who tend to file fewer claims and so pay lower rates. (About a year ago, the European Commission outlawed the use of gender in determining auto insurance rates.) California, Massachusetts and Hawaii do not allow credit scores to be taken into consideration by insurance companies when determining rates. California also prohibits using educational level or occupation. The fact that California does not allow the use of education level, occupation or credit score shows “it’s possible to have a rating system without these discriminatory factors,” Mr. Morrison said. The average cost of auto insurance has remained steady over the last decade: In 2004, it was $842 annually per car, and this year it is estimated to be $846, according to the Insurance Information Institute. But that’s not the whole picture. According to J. D. Power & Associates, the number of people in 2013 hit with premium increases rose by about 2 percent over the previous year, to one in five. While more people may be offered discounts, “the flip side is that someone has to pay for those discounts,” said Des Toups, managing editor of CarInsurance.com, a comparison-shopping website. “Certain customers are more valuable, and companies are looking at all legally allowable ways to find the customer least likely to file a claim,” Mr. Toups said. “The people who benefit are at the low-risk end of the scale, and the people who don’t benefit are the high-end risk – and it’s just going to get worse.” For instance, Mr. Toups said, one insurance company received a patent for a computerized system for analyzing voter registration and voter history as a means of determining risk. While voter information cannot be used in setting rates now, the insurance company, in its patent application, did claim that people who vote are less likely to file an auto insurance claim. Mr. Hunter of the consumer federation said he grew concerned last year when he saw reports by Earnix, a company that sells software to some of the nation’s largest auto insurers, discussing the growing prevalence of something called “price optimization.” Price optimization incorporates data about a company’s operating costs, consumer behavior and the competitive environment to achieve the optimal desired outcome – like maximizing profits or expanding a business. While auto insurers have used such a practice in other countries, it’s relatively new here, Mr. Hunter said. But he said it was becoming increasingly widespread, and allows insurers to use factors other than risk in pricing policies – like how much policy holders will pay before jumping to another carrier. Such actions, he said, can be discriminatory, because studies show that lower-income consumers do less comparison shopping than wealthier consumers. Also, he said, auto insurance rates should be based on risk factors, not shopping patterns. “It’s unfair,” Mr. Hunter said. “Auto insurance isn’t a luxury. It’s mandatory.” Dave Jones, California’s insurance commissioner, has expressed concern about such practices, saying they could be “unfairly discriminatory.” The National Association of Insurance Commissioners did not respond to requests for comments. Meryl Golden, North American general manager of Earnix, said there was nothing underhanded about it. “It just replaces broader judgments with more fine-tuned analytics,” she said. Edmunds.com and Consumer Reports both offer helpful information on factors to look for when buying auto insurance and ways to compare prices. If you have complaints, check with your state insurance commissioner; the National Association of Insurance Commissioners lists all commissioners and their contact information. And, as Ms. Golden pointed out, there is no lack of competition among insurance companies vying for customers, as anyone who watches even a short amount of commercial television can attest. “There’s lots of choice out there,” she said. “Anyone who is unhappy with their service can shop around.”

https://consumercal.org/as-data-about-drivers-proliferates-auto-insurers-look-to-adjust-rates/

Auto insurance coverage helps pay for damage to a vehicle or various other building in case of a crash. It covers your liability to others and likewise can cover the expenses of medical expenses, lost salaries or other costs. There are a number of types of coverage to choose from, depending on your state as well as what is called for by your state. The most typical consist of obligation, uninsured motorist (UM) as well as underinsured motorist (UIM), collision as well as thorough, medical settlements as well as personal injury defense. How much you’ll need to insure relies on the type of vehicle you have as well as your driving habits. Generally, the less costly the automobile, the lower the costs will certainly be. When buying a car insurance plan, compare quotes from several firms to find the very best bargain on coverage. Each firm will ask a different collection of questions, so be sure to answer them honestly. Credit report is one of the most vital factors in determining your vehicle insurance prices. If you have an inadequate credit history, it’s harder to get an excellent quote as well as can even trigger your prices to boost. Various other factors that can impact your cars and truck insurance coverage price include your area and the cars and truck you drive. Your automobile’s make and also design are also vital for insurers to think about, in addition to its safety features. Drivers that have a history of speeding tickets, Drunk drivings or various other offenses will likely have a greater insurance price than drivers without any previous accidents or tickets. Various other discounts, such as safe-driving programs as well as low-mileage price cut programs, can assist decrease your auto insurance coverage rate. Where you live likewise has an effect on your cars and truck insurance coverage prices, as does the criminal offense rate in your location. Insurers are more probable to charge higher cars and truck insurance policy rates for cars that are a lot more pricey to repair or are most likely to be swiped, so it’s important to recognize what aspects influence your price prior to getting a brand-new vehicle. Whether you’re a young motorist or a retired person, the very best time to get cars and truck insurance policy is before your present plan ends. When it’s time to restore your vehicle plan, you can expect your insurance coverage rates to climb, so it’s a great idea to look around before you sign on the populated line. A good automobile insurer will supply a wide variety of alternatives, including optional rewards such as rental auto compensation as well as roadside aid. They will certainly also supply great customer support if you have a concern or require to sue. The majority of vehicle insurance companies use a complimentary online car insurance policy quote. These quotes are based upon information such as your age, sex, marriage status and credit rating. Once you’ve gotten numerous automobile insurance coverage quotes, consider the details of each. For instance, do the quotes all feature the exact same types and also levels of protection? Are the deductibles the very same for each and every kind of coverage? Your state needs you to lug obligation insurance policy, which spends for problems to somebody else’s property and also injuries. There are also various other insurance coverages that are very important to have, like UM/UIM and also PIP. These protections can help you cover the cost of other individuals’s medical expenditures, loss of income and also funeral costs in case of a mishap.

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Hello Everyone, Welcome to our blog post on the advantages of buying term insurance online! In this digital age, where convenience and efficiency are paramount, it's no surprise that people are turning to the Internet for their insurance needs. Gone are the days of lengthy paperwork and tedious processes. Now you can secure your financial future with just a few clicks. But what exactly makes buying term insurance online so appealing? Join us as we delve into the reasons why more and more individuals are opting for this hassle-free approach. From cost savings to ease of comparison, we'll explore all the benefits that await you in the world of online term insurance purchasing. So sit back, relax, and let's dive right in! Advantages Of Buying Term Insurance Online When it comes to buying term insurance, the online platform offers several distinct advantages. Convenience reigns supreme. With a few simple clicks, you can compare policies from different insurers, obtain quotes instantly, and even complete the application process—all from the comfort of your own home. No more scheduling appointments or waiting in long queues at insurance offices. Not only does buying term insurance online save you time and effort, but it also provides access to a wealth of information. Most insurance websites offer comprehensive details about their policies, including coverage options and benefits. This allows you to make an informed decision based on your specific needs and budget. Another significant advantage is cost savings. Online term insurance plans often come with lower premiums compared to traditional offline channels. Insurers can pass on these savings due to reduced overhead costs associated with physical branches and paperwork processing. Additionally, buying term insurance online eliminates the need for intermediaries or agents who may push unnecessary add-ons or inflate prices for their commission. You have full control over customizing your policy as per your requirements without any external influence. Purchasing term insurance online is not restricted by time constraints. You can browse through various options at any hour that suits you best—whether it's early morning before work or late at night after dinner—ensuring maximum flexibility in making this crucial financial decision. Why should you buy term insurance online? Convenience is one of the top reasons why buying term insurance online is a smart choice. Instead of going through the hassle of scheduling appointments and meeting with an agent in person, you can simply visit the insurer's website from the comfort of your own home. With just a few clicks, you can compare different policies, calculate premiums, and even complete your application. Another advantage is the ability to access a wide range of options. Online platforms offer a variety of term insurance plans from multiple insurers, giving you more choices to find one that suits your needs and budget. You can easily compare features such as coverage amount, premium rates, and riders to make an informed decision. Furthermore, buying term insurance online often means lower costs. Since there are no intermediaries involved, insurers are able to pass on cost savings to customers by offering competitive premiums for their products. Additionally, many online platforms provide discounts or special offers exclusively for online purchases. Moreover, purchasing term insurance online allows for transparency and control over the process. You have direct access to all relevant information about each policy before making any commitments. This empowers you to thoroughly research and understand what you're signing up for without feeling rushed or pressured by an agent. Last but not least importantly - speed! Buying term insurance online typically involves faster processing times compared to traditional methods. Once your application is submitted electronically along with all necessary documents (which can also be uploaded digitally), it goes through automated underwriting processes which significantly reduce turnaround time. the advantages of buying term insurance online in 2024 are undeniable - convenience, cost savings, and transparency in product information - all contributing to a smoother and more efficient process for potential policyholders. Embrace technology advancements by exploring online platforms when considering your term insurance options!

https://earn.hostadviser.net/2023/12/advantages-of-buying-term-insurance.html

Expert Witness Insurance Policy Information Expert Witness Insurance. Business insurance is coverage for protection against potential losses through unforeseen circumstances like theft and property damage and in the occurrence of an interruption of business or injured employees. There many forms of commercial insurance, what you will need depend on your business. An expert witness is a person whose opinion by virtue of education, training, certification, skills or experience is accepted by the judge as an expert. The judge may consider the witnesses specialized opinion about the evidence or facts before the court within the expert's area of expertise. The expert is usually relied upon for their opinion on severity of injury, degree of sanity, cause of failure in a machine, loss of earnings and associated benefits. In the case of intellectual property, they may be given two book texts or music scores and are asked to ascertain their degree of similarity. The risk that your business is likely to encounter is a major factor to consider when selecting a commercial insurance. General liability and errors and omissions (professional liability) are some of the most basic expert witness insurance policies. Expert witness insurance protects your business from lawsuits with rates as low as $27/mo. Get a fast quote and your certificate of insurance now. Below are some answers to commonly asked expert witness insurance questions: - What Is Expert Witness Insurance? - How Much Does Expert Witness Insurance Cost? - Why Do Expert Witnesses Need Insurance? - What Type Of Insurance Do Expert Witnesses Need? - What Does Expert Witness Insurance Cover & Pay For? What Is Expert Witness Insurance? Expert witness insurance is a type of professional liability insurance that provides coverage for professionals who are appointed as expert witnesses in legal cases. It protects the expert witness against claims of negligence, errors, or omissions made during the provision of expert testimony in a court of law. The insurance covers the costs of defense, damages, and other legal expenses incurred by the expert witness during the legal proceedings. This type of insurance is crucial for experts in various fields, such as medicine, engineering, finance, and others, who are often called upon to provide testimony in legal cases. How Much Does Expert Witness Insurance Cost? The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small expert witnesses ranges from $27 to $39 per month based on location, size, payroll, sales and experience. Why Do Expert Witnesses Need Insurance? Expert witnesses need insurance for several reasons: Professional Liability: Expert witnesses can be held liable if their testimony is found to be incorrect or if they fail to disclose relevant information. Insurance can protect them from financial losses in the event of a lawsuit. Legal Fees: If an expert witness is sued, insurance can cover the costs of legal fees. This can be a significant financial burden for an individual expert witness, so insurance provides peace of mind that they won't have to pay out of pocket. Reputation: Expert witnesses' reputations can be damaged if they are found to have provided incorrect testimony. Insurance can help protect their reputation by providing them with a legal defense and ensuring they are not held responsible for their mistakes. Legal Requirements: In some jurisdictions, expert witnesses may be required to have insurance in order to be eligible to provide testimony. This requirement can vary by state or country, so it's important for expert witnesses to understand the specific requirements in their jurisdiction. What Type Of Insurance Do Expert Witnesses Need? Here are some of the major types of expert witness insurance policies available: Professional Liability - As an expert witness' job is to provide advice to the court, and the most important expert witness insurance policy you should take is professional liability, also known as errors and omissions (E&O). Professional liability insurance covers you when a client loses money because of negligence, services, or designs. It covers legal fees and compensation payments taking into account the financial loss of the client. Mistakes such as providing bad advice, using copyright protected content without permission, unintentional breach of confidentiality, loss of documents and slander are sheltered in the errors and omissions policy. Sometimes the claim may be false but professional indemnity provides the legal fees to fight the claim. If your business provides counsel, offers a professional service, or handles data or intellectual property, it is essential for you to have professional indemnity insurance. An example of such a profession is the expert witness. General Liability - General liability insurance covers third parties if they are injured because of your business or if they lose their property or death. Typically government building require you to have this coverage if you are doing business on their property. Workers Compensation - This type of Expert witness insurance insurance is a legal requirement in most states for employers that have non-owner employees. workers comp shields you from the rate of reimbursement claims due to employee sickness or injury. Casual workers, part-time workers, and temporary staff should be covered. What Does Expert Witness Insurance Cover & Pay For? Expert witnesses may be sued for various reasons, generally stemming from alleged negligence, misconduct, or errors in their professional services. Here are some common reasons expert witnesses might be sued and how insurance can help protect them in each scenario: Professional negligence: If an expert witness provides incorrect or misleading information during a trial, they may be sued for professional negligence. Insurance can help by covering the costs of the lawsuit, such as legal fees, settlements, or judgments against the expert witness. Specifically, professional liability insurance, also known as errors and omissions (E&O) insurance, is designed to protect professionals against claims of negligence or mistakes in their services. Breach of contract: An expert witness may be sued if they fail to fulfill their contractual obligations, such as not providing reports on time or not appearing in court when required. In this case, professional liability insurance can help cover the expenses associated with defending the expert witness in court, as well as any financial compensation awarded to the plaintiff if the expert is found liable for breach of contract. Defamation: An expert witness may be sued for defamation if their testimony includes false statements that harm the reputation of a party involved in the case. In this scenario, professional liability insurance can help cover the legal costs of defending the expert witness and pay any damages awarded to the plaintiff if the expert is found guilty of defamation. Conflict of interest: An expert witness may be sued if they have a conflict of interest that compromises their ability to provide impartial testimony. This could include financial ties to one of the parties involved in the case. Professional liability insurance can assist in covering the legal fees and any financial compensation awarded to the plaintiff in the event of a conflict of interest lawsuit. Fraud or misrepresentation: An expert witness may be sued if they are found to have provided fraudulent information or misrepresented their qualifications. In these instances, professional liability insurance can help cover the costs of the lawsuit, including legal fees and any financial compensation awarded to the plaintiff. In each of these examples, insurance can help protect expert witnesses by covering the expenses associated with lawsuits, such as legal fees, settlements, or judgments. It is essential for expert witnesses to obtain appropriate professional liability insurance to ensure they are adequately protected against potential lawsuits arising from their services. Expert Witness Insurance - The Bottom Line Expert witnesses are expected to have a certain level of professionalism and knowledge. When things go wrong because of the expert's opinion are likely to be charged for negligence. Expert witness insurance helps you in mitigating these actions. You need to weigh the exposures you face in your business and the probability of a claim. Expert witness insurance policies are issued on claims made basis. You should include a retroactive date on the Expert witness insurance policy to shield you against work assumed the preceding policy year. Additional Resources For Professional Services Insurance Get informed about small business professional services insurance, including Professional liability, aka errors and omissions (E&O insurance), that protects your business against claims that a professional service you provided caused your client financial loss. - Answering Service - Armored Car - Attorney Lawyer - Background Music Services - Business Consulting - Chemical Engineers - Civil Engineers - Claims Adjuster - Commercial Laundries - Commodity Broker - Corporate Wellness - Court Reporter - Credit Bureaus - Debt Collection Agency - Detective Agency - Diaper Services - Electrical Engineering - Environmental Consultant - Executive, Career & Life Coaching - Executive Search Firm - Expert Witness - Financial Planner - Financial Services - Funeral Directors - HR Consultant - Inspection Bureaus - Insurance Agents & Brokers Insurance - Mediator - Arbitrator - Medical Billing - Music, Drama & Dance Therapy - Office Machine Repair & Maintenance - Piano Tuners - Project Management - Safety Consultants - Speakers Bureaus - Tax Preparer - Temporary Staffing - Title Abstractors - Valet Parking - Specialty Consultants - Specialty Service Business The professional services industry, which includes occupations such as lawyers, doctors, accountants, and architects, often deals with sensitive and complex issues that carry a high risk of liability. These professionals are expected to provide their clients with expert advice and guidance, and any mistakes or oversights can result in significant financial consequences for both the client and the professional. This is where insurance comes into play. Business insurance provides protection against the financial repercussions of potential mistakes or accidents that may occur while providing professional services. For example, a lawyer may make an error in their legal representation that leads to a financial loss for their client. Without insurance, the lawyer would be personally responsible for covering the cost of this loss. Insurance helps to protect professionals from these types of financial burdens and allows them to focus on providing high-quality services to their clients. In addition to protecting against financial losses, commercial insurance can also provide legal defense for professionals facing legal action as a result of their work. This can be especially important for professionals in high-stress or high-risk fields, such as doctors or architects, who may be at a higher risk of being sued for professional negligence. Overall, the professional services industry needs insurance to protect against financial losses and legal action, ensuring that professionals can continue to provide high-quality services to their clients without the added stress and burden of potential financial consequences. Minimum recommended small business insurance coverage: Business Personal Property, Employee Dishonesty, Accounts Receivable, Computers, Valuable Papers and Records, General Liability, Employee Benefits Liability, Professional Liability, Umbrella Liability, Hired and Non-owned Auto Liability & Workers Compensation. Other commercial insurance policies to consider: Building, Business Income with Extra Expense, Earthquake, Equipment Breakdown, Flood, Computer Fraud, Forgery, Money and Securities, Special Floater, Cyber Liability, Employment-related Practices Liability, Business Auto Liability and Physical Damage and Stop Gap Liability.

https://generalliabilityinsure.com/small-business/expert-witness-insurance.html

Safety Consultant Insurance Policy Information Safety Consultant Insurance. Safety consultants play important roles in improving the health, safety, and (indirectly) financial wellbeing of numerous different industries. They may work in specific industries, such as aviation, the maritime sector, or engineering, to identify shortcomings or additional needs to render projects safer. Safety consultants inspect and evaluate clients' property and operations, developing recommendations to prevent and manage the risk of injury to people and loss to property. Many safety consultants are engineers who use higher mathematics, economics, biological and physical sciences in developing recommendations. Expertise may also be needed in federal standards governed by OSHA (for employees' safety) or other agencies such as NFPA (for fire safety). Safety consultants may work for insurance companies or offer their services independently. Consultants may be generalists or may specialize in a particular area, such as fire prevention and control. They may conduct safety training, develop safety policies and manuals for their clients, investigate workplace incidents, or offer ongoing services. Regulation of safety consultants' certification and educational requirements vary by state. Due to the fact that safety consults are rarely hired full-time, as permanent employees of a business, many safety consults will opt to run their own business. Such safety consulting companies can certainly thrive, as there will always be a need for the expertise safety consultants can offer. Despite the fact that safety consultants will be highly aware of the potential threats their own ventures may encounter, however, they still have to contend with the threat that unexpected circumstances could suddenly endanger their financial future. What sort of safety consultant insurance might be needed? Read on... Safety consultant insurance protects consulting firms from lawsuits with rates as low as $37/mo. Get a fast quote and your certificate of insurance now. Below are some answers to commonly asked safety consulting insurance questions: - What Is Safety Consultant Insurance? - How Much Does Safety Consultant Insurance Cost? - Why Do Safety Consultants Need Insurance? - What Type Of Insurance Do Safety Consultants Need? - What Does Safety Consultant Insurance Cover & Pay For? What Is Safety Consultant Insurance? Safety consultant insurance is a type of insurance that protects a safety consultant or firm from financial losses in the event of lawsuits or claims related to the services provided by the consultant or firm. This type of insurance may cover various forms of professional liability, such as errors and omissions, breach of contract, and professional misconduct. The purpose of safety consultant insurance is to protect the financial interests of the consultant or firm and help mitigate the risk of potential financial losses due to claims related to their services. How Much Does Safety Consultant Insurance Cost? The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small safety consulting firms ranges from $37 to $59 per month based on location, size, revenue, claims history and more. Why Do Safety Consultants Need Insurance? While you will do everything in your power to run a smooth - and safe - operation, you will still face many of the same risks other businesses are subject to, alongside some industry-specific ones. safety consultants will need to invest in excellent insurance coverage not only to meet legal obligations, but also to make sure that their business has the chance to recover from serious perils. If you own or rent a commercial property, that property may be impacted by an act of nature, like an earthquake or wildfire, at virtually any time. In the process, you can expect repair costs of such a magnitude that you are unlikely to be able to cover them on your own. Theft, vandalism, and accidents - including those that start fires - represent further examples of the very real threats small business owners with commercial properties face. Safety consultants additionally face liability risks. Even if you perform your job to the highest possible standards, for instance, a client may always allege that you missed something that later caused a malfunction or accident. If you are sued, the related costs can easily become overwhelming. If you have employees, one of them being injured in the workplace could lead to similarly exorbitant costs. Safety consultants may help others ensure that their projects and workplaces comply with up-to-date health and safety standards, but they also need protection in case something happens to their own business. Investing in the correct safety consultant insurance is the only way to meet that need. What Type Of Insurance Do Safety Consultants Need? Safety consultants can be sure that they will need to carry several types of insurance, but the exact nature of the coverage they require will depend on their unique circumstances. The jurisdiction where your consultancy business is based, the nature and value of your physical assets, and whether you work as a sole practitioner or have hired employees, are merely some examples of the many factors that determine the types of coverage you need. Consulting an experienced commercial insurance broker is essential, as they will be able to help you craft an insurance plan tailored to your unique situation. Examples of the kinds of safety consultant insurance most likely required, meanwhile, include: - Commercial Property: This form of coverage will defend you from financial losses if your commercial property were to be affected by perils such as acts of nature, vandalism, or theft. It covers not only your premises, but also smaller assets within, such as computers and HVAC systems. - General Lability: This broad type of safety consultant insurance coverage helps to cover your legal costs in case a third party sues you and accuses you of causing personal injury or property damage. Two examples would be a client slipping on a wet floor in your office, or a tree on your property damaging a vehicle that belongs to someone else. - Professional Liability: Also called errors and omissions insurance, this specialized form of coverage protects you if a customer alleges that you were negligent in performing your services. Remember that you can be sued even if the claim later proves to be baseless - this type of insurance is essential to anyone who provides a service. - Commercial Auto: As a safety consultant, you will rely heavily on commercial vehicles. These need to be protected by commercial auto coverage in case of accident or damage. These essential kinds of safety consultant insurance are merely examples of the types of policies needed to include in a comprehensive insurance plan. To find out more, consult a commercial insurance agent. Safety Consultant's Risks & Exposures Premises liability exposure is very limited at the firm's office due to lack of access to the general public. Off-site exposures are extensive as consultants will tour clients' premises and job sites, including access to sensitive areas. Those employees may contact the client's customers as part of their analysis. There must be training, procedures, and policies regarding appropriate off-site conduct and methods of ensuring confidentiality. Complaints about consultants should be dealt with quickly. Personal injury liability exposures include allegations of assault, discrimination, and invasion of privacy. Professional liability exposures are often limited since the consultant is only advising as to safety, not implementing programs. The exposure increases if guarantees or warranties are made, such as a reduction in thefts or accidents, if the consultants actually put a plan into place for the client, or provides ongoing supervision. Independent safety consultants may have legal responsibilities to both sides in a dispute and are sometimes party to sensitive negotiations. Hazards increase if the firm fails to conduct thorough background checks to verify employees' education and employment history. Other exposures include allegations of breach of a client's confidentiality or a conflict of interest. Workers compensation exposure varies according to the services provided. If most of the work is done in the office and on computers, potential injuries include eyestrain, neck strain, carpal tunnel syndrome, and similar cumulative trauma injuries that can be addressed through ergonomically designed workstations. Travel may be extensive. Off-site exposures may include working at construction sites, at heights, on rough terrain, or in isolated areas. Consultants may be exposed to a variety of chemicals and conditions. Injuries could result from trips and falls, being struck by falling objects in construction and manufacturing operations, respiratory ailments from inhaling pollutants, dusts, or other allergens, foreign objects in the eye, hearing impairment from noise, assaults, attacks by unrestrained animals, or in vehicle or aviation accidents. Back strains, hernias, and related injury can occur when lifting, obtaining samples, or attempting to view processes. Since consultants may work alone, injuries may go unnoticed, which can lead to delayed response and delayed first aid. Employees should have appropriate safety gear when traveling to a job site. Consultants may be injured in vehicle or aviation accidents. Property exposure is generally limited to that of an office. Ignition sources include wiring, heating and air conditioning systems, wear, and overheating of equipment. There may be storage of client information in paper form, although these are now often digital instead of paper format. All paper should be stored in fireproof cabinets. Fire suppression systems must not damage the papers. There may be specialized measuring and analysis equipment or custom software. Computers and other electronic equipment may be targets for theft. Inland marine exposures are from accounts receivable if the firm offers credit, computers, special floater, and valuable papers and records for contracts and clients' information. Computer systems must be backed up regularly and have adequate security features to prevent unauthorized access due to the potential for industrial espionage or by hackers. Inspectors often carry their computers with them on-site to record their observations and findings. They may have ladders, flashlights, and specialized testing and analysis devices for work at clients' premises. A morale hazard may be indicated if the inspector does not keep valuable papers and disks in fireproof file cabinets to protect them from smoke, water, and fire. Power failure and power surges are potentially severe hazards to data stored electronically. Duplicates should be kept off-site to allow for easy restoration. Crime exposure arises from employee dishonesty, including theft of clients' property, and various types of fraud since many businesses are dependent on certification or approval by safety consultants. The exposure can be quite serious as consultants have access to clients' personal and proprietary information. Potential for theft, particularly industrial espionage, is great. Background checks should be conducted on all employees. Monitoring procedures and securing of all records should be enforced to prevent unauthorized access to client information. There must be a separation of duties between persons handling deposits and disbursements and reconciling bank statements. Business auto exposures are moderate as consultants travel to clients' premises. Consultants may use rental cars when sites to be inspected are not local. If company vehicles are supplied for use, there should be written procedures in place regarding personal use by employees and their family members. All drivers must have appropriate licenses and acceptable MVRs. Vehicles must be maintained and records kept in a central location. What Does Safety Consultant Insurance Cover & Pay For? Safety Consultants can be sued for a variety of reasons, typically related to their professional services or advice. Common reasons for lawsuits include: Negligence: Safety Consultants can be sued for negligence if they fail to meet the professional standards or provide incorrect or incomplete advice, leading to injury or financial loss for their clients. Professional Liability Insurance (also known as Errors & Omissions Insurance) can help cover the legal fees, settlements, or judgments arising from such a lawsuit. Breach of contract: If a Safety Consultant fails to deliver the agreed-upon services or does not adhere to the terms of their contract, they may be sued for breach of contract. Professional Liability Insurance can also help cover the costs associated with defending against a breach of contract claim and any resulting damages awarded to the client. Intellectual property infringement: If a Safety Consultant uses copyrighted materials or infringes on a client's patents or trademarks, they may be sued for intellectual property infringement. General Liability Insurance, with an endorsement for intellectual property coverage, can help pay for legal fees and damages if the Safety Consultant is found liable for such infringement. Defamation: Safety Consultants may be sued for defamation if they make false or damaging statements about a client, competitor, or another party. General Liability Insurance can help cover legal fees and damages resulting from a defamation lawsuit. Workplace accidents or injuries: If a client or a third party is injured on the Safety Consultant's premises, the Safety Consultant may be held responsible for the injury. General Liability Insurance can help cover medical expenses and legal fees related to the injury. For each of these examples, the specific coverage and limits of the insurance policy will determine the extent to which the insurance can help pay for the lawsuit. It is essential for Safety Consultants to work closely with their insurance providers to ensure they have the appropriate coverage in place to protect their businesses from potential legal claims. Commercial Insurance And Business Industry Classification - SIC CODE: 8748 Business Consulting Services, Not Elsewhere Classified - NAICS CODE: 541690 Other Scientific and Technical Consulting Services, 541620 Environmental Consulting Services - Suggested Workers Compensation Code(s): 8803 Auditor, Accountant, or Computer System Designer or Programmer - Traveling Description for 8748 Business Consulting Services, Not Elsewhere Classified Division I: Services | Major Group 87: Engineering, Accounting, Research, Management, And Related Services | Industry Group 874: Management And Public Relations Services 8748: Business Consulting Services, Not Elsewhere Classified: Establishments primarily engaged in furnishing business consulting services, not elsewhere classified, on a contract or fee basis. - Agricultural consulting - City planners, except professional engineering - Economic consulting - Educational consulting, except management - Industrial development planning service, commercial - Radio consultants - Systems engineering consulting, except professional engineering or - Test development and evaluation service, educational or personnel - Testing services, educational or personnel - Traffic consultants Safety Consultant Insurance - The Bottom Line To protect your consulting business, employees and clients, having the right safety consultant insurance coverage is essential. To see what types of policy options are available to you, how much coverage you should have and associated premiums - speak to a reputable commercial insurance broker. Additional Resources For Professional Services Insurance Get informed about small business professional services insurance, including Professional liability, aka errors and omissions (E&O insurance), that protects your business against claims that a professional service you provided caused your client financial loss. - Answering Service - Armored Car - Attorney Lawyer - Background Music Services - Business Consulting - Chemical Engineers - Civil Engineers - Claims Adjuster - Commercial Laundries - Commodity Broker - Corporate Wellness - Court Reporter - Credit Bureaus - Debt Collection Agency - Detective Agency - Diaper Services - Electrical Engineering - Environmental Consultant - Executive, Career & Life Coaching - Executive Search Firm - Expert Witness - Financial Planner - Financial Services - Funeral Directors - HR Consultant - Inspection Bureaus - Insurance Agents & Brokers Insurance - Mediator - Arbitrator - Medical Billing - Music, Drama & Dance Therapy - Office Machine Repair & Maintenance - Piano Tuners - Project Management - Safety Consultants - Speakers Bureaus - Tax Preparer - Temporary Staffing - Title Abstractors - Valet Parking - Specialty Consultants - Specialty Service Business The professional services industry, which includes occupations such as lawyers, doctors, accountants, and architects, often deals with sensitive and complex issues that carry a high risk of liability. These professionals are expected to provide their clients with expert advice and guidance, and any mistakes or oversights can result in significant financial consequences for both the client and the professional. This is where insurance comes into play. Business insurance provides protection against the financial repercussions of potential mistakes or accidents that may occur while providing professional services. For example, a lawyer may make an error in their legal representation that leads to a financial loss for their client. Without insurance, the lawyer would be personally responsible for covering the cost of this loss. Insurance helps to protect professionals from these types of financial burdens and allows them to focus on providing high-quality services to their clients. In addition to protecting against financial losses, commercial insurance can also provide legal defense for professionals facing legal action as a result of their work. This can be especially important for professionals in high-stress or high-risk fields, such as doctors or architects, who may be at a higher risk of being sued for professional negligence. Overall, the professional services industry needs insurance to protect against financial losses and legal action, ensuring that professionals can continue to provide high-quality services to their clients without the added stress and burden of potential financial consequences. Minimum recommended small business insurance coverage: Business Personal Property, Employee Dishonesty, Accounts Receivable, Computers, Valuable Papers and Records, General Liability, Employee Benefits Liability, Professional Liability, Umbrella Liability, Hired and Non-owned Auto Liability & Workers Compensation. Other commercial insurance policies to consider: Building, Business Income with Extra Expense, Earthquake, Equipment Breakdown, Flood, Computer Fraud, Forgery, Money and Securities, Special Floater, Cyber Liability, Employment-related Practices Liability, Business Auto Liability and Physical Damage and Stop Gap Liability.

https://generalliabilityinsure.com/small-business/safety-consultant-insurance.html

Author: Melissa Sauer – Director of Personal Lines Homeowners Insurance Policies Not only life events should prompt you to review your insurance programs. Homeowners Insurance is often one of the most overlooked policies. Outdated coverage and missing credits can both cost you in your monthly premiums and by experiencing an uncovered claim. The best time to begin reviewing is 2 months before the end of your policy period or after major renovations or updates, so plan accordingly. Setting time aside to consider what you value most about your home and lifestyle will make sure you and your advisor select the correct coverage to make you whole at the time of a loss. Initially, did you shop around? Most new homeowners do not spend time researching coverages, and companies when getting ready for closing. They are looking to move forward with the mortgage process to secure their dream home. Being in a rush can prevent you from exploring all your options, this can leave you short in the event of a claim. Insurance is the promise to make you whole, but what that means in your coverage can change over time. Have you protected your most valuable possessions? Everyday changes in life can change your insurance needs. Did you know that the purchase of golf clubs, jewelry, firearms or art might not be properly covered under your standard homeowners insurance policy? Standard home polices can limit these items to a fraction of the purchase value. These items could also be subject to your deductible. Consider a personal articles floater or collections policy to ensure worldwide coverage and a decreased or no deductible option in the event of a loss. Many times these personal articles floater or collections policy also offer agreed value on your most valuable possessions. Tis can help to restore full value in the event of a loss. Where would you stay in the event, if your home was not an option? After a claim, the last thing you want to worry about is keeping your family in a safe place. We specialize in making sure our clients have enough loss of use coverage on their home policy. To make sure your day-to-day life isn’t disrupted. Insurance will often cover increased daily expenses during the resolution of a claim. Do you know if your coverage is adequate? You don’t want to find out your coverage is too little after a claim. The time to review is now. Our advisors can take the time, one on one, to walk you through coverage options tailored to your needs. Your safety is important, call us today for a policy review at 1-800-568-SAVE (7283) or email us at: email@example.com. Hometown is here for you!

https://hometowninsurance.com/one-of-the-most-overlooked-policies/

Previsico, a London-based InsurTech providing real-time, street-level surface water flood forecasts to mitigate flood impacts globally, has announced a partnership with Geosite, a global geospatial data provider. Previsico’s solution provides Geosite’s U.S. carrier clients with live actionable flood alerts, so they can work with their customers ahead of a NAT-CAT event to mitigate flood losses, according to a Previsico statement. With Previsico, live actionable insights, including uniquely for surface water flooding, are now available through Bedrock, Geosite’s multi-peril, spatial data engine platform, the Previsico statement says. As a storm approaches, up to 48-hours in advance, properties that are most likely to experience flooding are identified and customers alerted so they can take mitigation measures. Previsico says that it is gaining strong traction in the insurance market along with its new partner Geosite, which has seen significant investments from MS&AD’s and QBE’s venture arms (both carriers are also active users of Geosite’s software services). Previsico describes the partnership with Geosite as “revolutionary” for the insurance industry. “In the past, insurers have had to rely on either long-term flood projections or wait until long after a flooding event to assess the outcome,” the Previsico statement says. “This has been a significant issue, as half of all U.S. economic losses from flooding are due to pluvial (surface water) flooding.” By bringing the power of Previsico’s live flood alerts into Geosite’s Bedrock platform, the vendor says that carriers can now provide their customers with early flood warnings to prevent damages before the waters rise. “We are excited to be partnering with Previsico to combine the power of their predictive flood modelling with our unique Bedrock platform,” Rachel Olney, founder and CEO, Geosite. “Our aim is to give carriers using Bedrock more rapid and accurate reserving and post-catastrophe claims handling across a comprehensive range of perils. The partnership with Previsico will deliver powerful insights to help deliver on that promise.” “As the US insurance industry addresses the ever-increasing threat from flooding due to climate change and urbanisation, as seen earlier this year in Las Vegas, this partnership delivers a truly unique solution,” says Jonathan Jackson, CEO, Previsico. “Together, Previsico and Geosite offer a one-stop-shop for insurers to accurately assess properties that are at imminent risk of flood and deliver effective flood resilience measures.” Data to Improve Processes Previsico’s real-time flood forecasts, updated every three hours with projected flood depths, are already used by Zurich, Liberty, and Generali. Previsico notes that the data will be beneficial to Geosite’s clients, as it will improve processes throughout the insurance value chain, including underwriting, claims processing, reserving, and customer support, even before FNOL. That advantage is relevant for events such as Hurricane Ian, for which the companies successfully deployed a joint capability. The data Geosite sources and surfaces for insurance carriers comes from multiple sources (satellites, drones, aircraft, IoT devices, and advanced analytics) and can be used to analyze multiple perils such as flooding, wildfires, and earthquakes, and combined with exposure data from geospatial AI and property information partners. “With Geosite, customers can easily integrate geospatial data via an API to make day-to-day operations and management processes more efficient,” the Previsico statement concludes.

https://programbusiness.com/news/previsico-and-geosite-partner-on-flood-impact-prediction-and-prevention/

Why You Should Get Fire Damage Estimates After a house fire, getting fire damage estimates is critical. Without knowing the full extent of the damage, you may end up overspending on repairs or restoration. Either your homeowners’ insurance company or a third-party restoration company can provide the fire damage estimates for you. After a devastating event like a house fire, it is helpful to know just how much money you have to repair or restore your home to its former state. Since you should hire a restoration company anyway, fire damage estimates make the task of doing so much easier. Discrepancies in Fire Damage Estimates If your insurance company and third-party restoration company have a discrepancy in their fire damage estimates, one of two things are likely to happen: they can agree to a middle ground or begin arbitration. Choosing the middle ground option is a compromise of sorts and may include any number of outcomes, which are all dependent on the specifics of your situation. The other option involves including a third party, having them inspect and formulate an appraisal of the damage, and present that as an acceptable value. All of this depends heavily on your insurance company, the restoration company, applicable state laws, and the circumstances surrounding the fire. What Fire Damage Estimates Do Fire damage estimates allow you and your hired full-service restoration company to plan the restoration of your home. By having an effective budget, the company can do their best for you and make sure that they can return your home to its former. Most importantly, fire damage estimates include services that restoration companies do that you are unable to, such as removing smoke odors from your home or rebuilding any structures that the fire has damaged. Other costs that require professional help, such as special dry-cleaning of your garments and fabrics, may also be included. Additionally, if you attempt the repairs and accidentally cause more damage, chances are that the insurance does not cover the extra damage, whereas with a restoration company, it is covered. Fire damage estimates allow a professional full-service restoration company to restore your home to its former state in the most effective manner possible. With a clear plan on which services you need, how much they cost, and how the company implements them, they can cater to your individual needs. After a devastating event such as a fire, money should not be your primary concern. A full-service restoration company can take care of all aspects regarding the remediation of the fire damage so you can concentrate on other things. For more information about fire damage estimates for your home, contact your insurance company.

https://www.servprosoutheastportland.com/blog/post/66508/fire-smoke-damage-restoration/why-you-should-get-fire-damage-estimates

About Florida Farm Bureau Group The Florida Farm Bureau Group is a wholly owned subsidiary of the Southern Farm Bureau Casualty Insurance Company. Southern Farm Bureau Casualty Insurance Company began 50 years ago with a group of Farm Bureau leaders, who shared a vision for better member service and lower insurance rates. A Top-Rated, Innovative Insurance Leader Today, Southern Farm Bureau Casualty is a $2 billion company and is in the top of its class with an A.M. Best “A+” Superior rating – a designation achieved by only 3 percent of property and casualty insurers in the nation. Southern Farm Bureau Casualty has become a leader in the insurance industry through innovative services and competitive products for its policyholders and an extensive training program for its claims adjusters, underwriters, and independent agents. The Florida Farm Bureau Group consists of two domestic property and casualty insurance companies, Florida Farm Bureau Casualty Insurance Company and Florida Farm Bureau General Insurance Company. The group specializes in writing automobile, homeowners, dwelling fire, farm and business owners lines of insurance for members of the Florida Farm Bureau Federation. Business is marketed and serviced by a network of exclusive agents located in each county of Florida. To be eligible for insurance coverage, membership in a county Farm Bureau is required. Our Major Package Policies The group ranks as one of the market leaders in private passenger auto and homeowners insurance business in the state of Florida. The group also offers three major package policies, including a country squire policy (fire and inland marine coverage on farm personal property, farm comprehensive personal liability, and an endorsement to a homeowners and dwelling package policy), a dwelling package policy, and a commercial lines package policy.

http://www.profilegrafix.com/about/

Castroll Insurance agency has your needs covered for insurance in California, Nevada, Kansas and Missouri You can rest assured that we can handle your insurance needs! As an independent agency, Jacob Castroll Insurance represents several insurance companies, offering great choices on coverages for all you insurance needs.. We are able to search the market to find an insurance company that meets our clients demands. Castroll Insurance is an independent agency that can handle all of your needs. Whether you need homeowners insurance to protect your largest personal asset, or auto insurance to keep you safe in the everlasting stalls of Los Angeles traffic, we can tailor a policy to specifically fit your needs. Commercial Insurance requires a policy that is comprehensive enough to allow you to feel at ease while running your business. As business owners, we understand that you need to focus on the day-to-day tasks at any given moment. Be comfortable knowing that the professionals at Castroll Insurance have constructed a business insurance policy that's got you covered. With life as hectic as it is, we understand that you want to be covered in case of an accident. But that's not all. We also offer: Landlord Coverage - Commercial Fleet Coverage - Business - Life - "Key Person" Life coverage for businesses - , Employer's Liability - Boat - Jet-Ski - Segway - Contractor's Liability - Movie Production Coverage - Earthquake - Collector Vehicle - SpecialEvent Coverage - Pet Insurance - Performer or Entertainer's Coverage - Kidnap & Ransom Coverage - just to name a few! Click below to learn more, or click here to contact us any time. Earthquake insurance that is fast and easy. DO YOU NEED EARTHQUAKE INSURANCE? The more equity you have to protect, the more valuable a GeoVera earthquake insurance policy becomes. Think about how much equity you have in your home. Think about how that equity grows year after year. Can you afford to lose that equity and future growth? The longer you own your home, the more valuable an earthquake policy becomes to protect that investment. a new location to serve you better We are delighted to inform you that we have moved to a new office location international travel insurance wide selection of travel health insurance plans that include coverage for hospital care and medications request an accurate insurance quote in 5 minutes

https://castrollinsurance.com/

If you were injured in an accident that was caused by the careless conduct of another person or business, you have the right to seek compensation. In most cases, the negligent individual’s insurance company will be responsible for paying injury compensation. In some cases, injury victims look to their own insurance to pay some or all of the compensation. Whenever an insurance company is asked to pay compensation for an injury claim, the company will assign an insurance claims adjuster to manage the claim. The adjuster’s goal is to save the insurance company’s money by paying as little as possible. They use a variety of tactics to accomplish that goal. When an accident victim takes on the might of an insurance company, the company has a distinct bargaining advantage. The best way to equalize bargaining power is to retain a lawyer to handle negotiations with the adjuster. Even a single conversation with an insurance adjuster without representation by a personal injury lawyer can lead to unfortunate consequences. The Injury Victim’s First Contact with an Insurance Adjuster Insurance policies require drivers who cause accidents to report the accident to their insurer. Drivers understand that their insurance might not cover the accident if they do not report it promptly, so insurance companies typically learn about accidents on the same day that they occur. When an insurance company receives a report of an accident, it immediately assigns an insurance adjuster. The insurance adjuster’s first step is to contact the injury victim. The insurance adjuster wants to take a prompt statement that the company can later use as evidence if the insurance claim leads to a trial. Insurance adjusters want to take that statement before the injury victim has a chance to speak to a lawyer. They know that an unprepared victim might make statements that will turn out to benefit the insurance company. For instance, an accident victim might say, “No, I don’t have any neck pain,” only to wake up with neck pain the next morning. The insurance company will use the statement as evidence that the injury victim is fabricating the pain. An accident victim who is still rattled by the accident might say, “I’m not sure how the accident happened.” The insurance company will use that statement to deny that their insured driver caused the accident. Giving an immediate statement to the insurance company without having time to review all the facts and to see how injuries are developing can result in evidence that the insurance company will use to contest payment of the claim. To avoid that risk, a personal injury lawyer might advise the accident victim not to talk to the insurance adjuster. Talking to the Insurance Adjuster for the Victim’s Own Insurance Company In some cases, an accident victim might make a claim against his or her own insurance. That most often occurs when a traffic accident is caused by an uninsured driver, a hit-and-run driver, or an underinsured driver. In those cases, the victim’s own uninsured or underinsured motorist coverage will pay some or all of the compensation claim. The accident victim’s insurance policy probably requires the victim to cooperate with claims brought against the victim’s own insurance company. Cooperation usually means agreeing to give a truthful statement to the company’s insurance adjuster. Insurance companies, however, have a duty to be fair to the people they insure. They must give the insured the right to contact and be represented by a personal injury attorney before giving a statement. The accident victim’s lawyer will want to review all the facts and to prepare the victim to give a statement to the insurance adjuster. The lawyer will also want to be present when the statement is taken. The first concern of a personal injury lawyer is to protect the victim’s right to recover full compensation.

https://desmoinesinjurylaw.com/blog/why-you-shouldnt-talk-to-an-insurance-adjuster-without-a-personal-injury-lawyer/

By Murray Izenwasser, SVP, Digital Strategy Welcome to the fifth edition of the blog series “Under the Hood: Unlocking the Hidden Value in Insurance Data.” Every carrier will agree that data is no longer just nice to have. It’s a must-have in our all-digital, multi-channel world. But in the clamor to be data-driven, insurance organizations tend to forget that having access to data is no longer enough. Today, insight is the new data. Data by itself is useless unless we transform the data into information and that information into insight — and action. This blog post explores how carriers, leveraging powerful, new analytics technology, can put data to work in ways previously not considered. Insight Is The New Data Data drives the insurance business. Be it customer data, data from real-time weather feeds and current policy forms, policy renewals or terminations, and publicly available government data such as criminal records, bankruptcies, and foreclosures, carriers have historically collected a wealth of data. But despite this, why do carriers struggle to become data-driven organizations where data drives business decisions? Few have found a way to put data to work. Or have the right analytics tools to harness data’s potential to manage risk and streamline pricing and underwriting. For data to be truly useful, carriers must find ways to turn this data into information and that information into insight — and action. Data without insights is meaningless, and insights without action are pointless. Data and Insights: Good Decisions Need Both “In God we trust. All others must bring data,” said W. Edwards Deming, emphasizing the importance of data measurement and analysis when doing business. Data analysis plays a crucial role in insurance, like any other business. Analytics helps carriers assess and quantify risks, detect fraud, unearth new insights, and use data in ways they had previously not considered. The Risks of Ignoring Data Analytics Without robust reporting, carriers will be unable to: - Spot trends and identify risk factors - Assess, quantify, and price risk accurately - Detect anomalies that flag potential fraud - Analyze data related to property maintenance, customer behavior, and safety and make recommendations to predict and prevent risk. Leveraging Data and Analytics While carriers have access to mountains of data — everything from disaster models to historic perils, real-time weather feeds, and current policy information — not every carrier integrates big data and analytics into their operations. Those that do effectively reduce friction throughout the customer journey — from requests for coverage to claims — while mitigating risk and cutting costs. And they are reaping the dividends in the following ways: - Risk-based Pricing: Even without face-to-face customer interactions, you can build accurate customer profiles by aggregating data from various sources — and scoring this based on demographics, social media, and public-facing data — to create more personalized products and risk-based pricing. Carriers can price dynamically based on changing risk profiles — all enabled by granular behavioral data and advanced modeling. - Intelligent Risk Assessment: Commercial risk assessment is data intensive. A fixed data set is traditionally used to perform a risk assessment, which can be limiting. But when carriers integrate real-time data from external sources — more granular and up-to-date than you would typically find — it helps them better assess the property submission before the policy is accepted. - Fraud Detection and Prevention: Insurance companies lose over $40 billion a year to fraud. Predictive analytics, including text analytics and sentiment analysis, sifts through unstructured data — which wasn’t possible earlier — to proactively identify patterns and detect fraud. - Improved Customer Experience: Many insurers consider each customer touchpoint— from visiting the website to calling an agent, or from quote submission through a claimant experience—as a set of discrete events. But customers experience those events as part of a journey. So, when carriers create a unified data ecosystem and connect the data to better understand the customer journey, they can improve systems and processes to create exceptional customer experiences. - Claims Management: By integrating all their data sources, carriers can have a single, more granular view of their organizational claims summary, loss ratio by product, line of business, and claims overtime report against the premium. They can drill down into the number of claims by channel, product, state and so on, including the average time/number of days it takes to settle a claim. - Distribution: Data will help carriers reduce the cost of distribution, which gets passed on to customers over time. It’s time carriers treat data insights as a strategic asset they can monetize. The hidden insights present within the ever-expanding volume of data provide opportunities to grow revenue, optimize operations, drive frictionless customer experiences — and ultimately, competitive advantage. By investing in analytics and cognitive automation technologies, carriers can not only improve efficiency but become truly data-driven. As a certified Microsoft partner with over a quarter century of experience, OZ can help you reap the benefits of data analytics and AI.

https://followoz.com/resources/blog/data-alone-is-not-enough-why-carriers-must-lead-with-insight/

Research Before You BuyBefore purchasing coverage for baggage or personal effects, determine how much coverage an airline or other travel provider offers. Airlines may limit their liability for lost baggage. Also review your health insurance to determine your liability for medical expenses, especially emergency care, out of state or out of the country, if applicable. If you already have life insurance, you may not need additional coverage for vacation. If you determine that your existing coverage will not be adequate for your personal liability during a vacation, you may want to purchase coverage through a third-party insurance company rather than from a tour operator or cruise line. In the event of bankruptcy, a policy originating from a tour operator or cruise line may not provide coverage. - Source: Insurance Information Institute. Because of the possibility of human or mechanical error by Wealth Management Systems Inc. or its sources, neither Wealth Management Systems Inc. nor its sources guarantees the accuracy, adequacy, completeness or availability of any information and is not responsible for any errors or omissions or for the results obtained from the use of such information. In no event shall Wealth Management Systems Inc. be liable for any indirect, special or consequential damages in connection with subscriber’s or others’ use of the content. © 2014 Wealth Management Systems Inc. All rights reserved

https://rebelfinancial.com/do-i-need-travel-insurance/

Accidents with cars can be stressful as well as dangerous. But if you are involved in a wreck on a motorcycle, you can have a higher risk of serious injury because motorcycles offer less protection to drivers than a car or similar type of vehicle. You might feel overwhelmed following a motorcycle accident. As you recover from the incident, pursuing legal action might be far from your mind. But you could still qualify for financial compensation for the injuries you sustained in the event. Read on to learn more about how a motorcyclist can receive compensation after suffering a personal injury in a vehicular accident. Who Qualifies for Personal Injury Compensation After a Vehicular Accident? Individuals involved in a vehicular accident deemed not their fault may be entitled to compensation for personal injuries from this event. Insurance companies will determine liability based on evidence from the scene. If not at fault for the accident, a motorcyclist can file a claim with their insurance provider to receive financial compensation for their personal injuries. A personal injury can include medical concerns, lost wages, and emotional distress. Before you submit a personal injury claim, make sure you know the details of your case and collect useful evidence to support the claim. If you have questions regarding your eligibility or the amount of compensation you deserve, consult with a personal injury lawyer. What If I Could Not Take Photos at the Scene of the Accident? A useful way to obtain evidence that can support a personal injury claim is to take photos at the scene of the vehicular accident. Experts recommend photographing your vehicle to capture any damage along with other contributing factors like other vehicles involved. However, after a motorcycle wreck, many drivers might be too injured or overwhelmed to take these photos. While pictures can be highly beneficial for your case, you can find other types of evidence to support your claim. For instance, you should obtain a copy of the police report. The officer at the scene will file a report that will include details of damage suffered by each party involved. Reach out to witnesses at the scene and check for nearby video footage that a business might have captured. Keep your medical records related to injuries sustained during the accident too. Can an Attorney Help My Claim After a Motorcycle Accident? Many people can feel stressed and overwhelmed in the wake of a motorcycle accident. This can interfere with their ability to recall details about the incident clearly and adequately. If you want to file a personal injury claim related to your accident, you should first reach out to an attorney. They can review the evidence in your case and help you sort out the information. This will allow you to better present your claim to the insurance company. Then you have a higher chance of getting the compensation you deserve. Contact a personal injury law firm today in Baltimore, MD online. Contact Attorney Big Al, Law Office Of Richard Klein by phone at 410.291.8012.

https://www.bigalbaltimore.com/2023/06/06/motorcyclists-can-file-personal-injury-claims/

Introducing “The Contractors Guide to Insurance” I’m excited to announce the launch of my book, “The Contractors Guide to Insurance”. This resource encapsulates a decade’s worth of my expertise and knowledge gathered through working in construction insurance. The Daunting Realm of Contractors’ Insurance The landscape of contractors’ insurance can be overwhelming. As a contractor, you’re confronted with aspects like general liability insurance, workers’ comp insurance, commercial auto insurance, not to mention excess and umbrella insurance. Additionally, there are claims and additional insured certificates that can seem labyrinthine. My book aims to break down these complexities, making it an indispensable guide for every contractor. Beyond the Basics of Commercial Contractors’ Insurance “The Contractors Guide to Insurance” goes beyond providing an overview. It delves deep into commercial contractors’ insurance, bringing you real-life stories of contractors grappling with claims. These anecdotes throw light on the circumstances under which claims occur, their implications, and preventive strategies. The Value of Professional Insurance Broker Importantly, my book emphasizes the crucial role a professional insurance broker who understands the industry can play. The right broker can save you money, prevent claims, and ensure you are well-covered to handle any issues that may arise. A User-friendly Approach to Complex Topics I take pride in the comprehensive coverage and user-friendly approach of my book. Despite brimming with information, it’s a concise read of just 30 pages. For those who prefer listening over reading, an audiobook version is also available on Audible. Empowering You with Knowledge My sincere hope is that “The Contractors Guide to Insurance” will demystify contractors’ insurance, enriching your understanding of the subject. As your appreciation for this sector deepens and confidence strengthens, you will be better positioned to secure the right insurance solutions for your business. Engage with Us I look forward to your feedback and am always available to answer any questions or concerns you may have about construction insurance. Don’t hesitate to reach out via email or explore my other resources for further insights. A Toast to a Secure Future Here’s to empowering you with the knowledge to safeguard your business and future.

https://www.cisburbank.com/simplifying-the-puzzle-of-contractors-insurance-learn-from-my-book-the-contractors-guide-to-insurance/

A fire broke out in the area of Diefcha, on the island of Chios, late on Sunday, forcing the evacuation of the villages of Diefcha and Katavasis for precautionary reasons in the middle of the night. The fire broke out after a driver crashed on the roadside and the car went alight shortly after 9 p.m. Sunday, local media reported. The driver was immediately arrested on charges of causing a traffic accident and for starting a wildfire out of negligence, local politischios.gr reported. Furthermore, two alcohol tests turned positive. He is to be taken to prosecutor as soon as he is discharged for he was slight injured and taken to hospital. Due to the strong winds blowing in the area of northern Chios, the fire spread immediately to a virgin pine forest and the flames reaching a perimeter of up to 5 km. According to first estimations, over 600 acres of forest land were burnt down. Shortly after 11 a.m. on Monday,the Fire Service said that no residential area has been threatened so far and that the blaze in difficult to access areas was under control after 14 hours of fire fighting and water-dropping from 5 aircraft and 4 helicopters that started operation with the first daylight. A total of 90 firefighters with six ground teams (including 10 firefighters who traveled by boat from Lesvos) and 27 firefighters who traveled by air from Athens), 18 water tanks, five aircraft and four helicopters and volunteer firefighters operated on the field.

https://www.keeptalkinggreece.com/2023/07/31/chios-fire-traffic-accident/

(Editor’s note: The following commentary appeared in the Lansing State Journal on May 10, 2013.) Michigan is the only state that requires drivers to purchase auto insurance providing unlimited coverage for personal injury. While there are other states that require a minimum coverage, the next highest level is New York, at $50,000. This Michigan mandate results in an inefficient use of health care resources, higher vehicle insurance premiums and lessened economic activity in the Great Lake State. In recognition of this, Gov. Rick Snyder has renewed a proposal that would reduce the state mandate and require drivers to purchase at least $1 million in personal injury protection rather than an unlimited amount. The governor’s proposal makes both philosophical and economic sense. First, the current requirement forces consumers to purchase more insurance than they would otherwise choose. A study by Anderson Economic Group estimated that 75 percent to 90 percent of drivers would purchase a policy with less than unlimited personal injury protection if given the opportunity. Second, this mandate for over-insurance results in an inefficient use of health care services, distorted pricing and an incentive to commit fraud. Several studies indicate this holds true in Michigan. As one example, Mitchell Decision Point found that in the city of Detroit the cost of a CT-Scan of the neck was $261 under a Medicare claim and $1,820 under a Michigan no-fault insurance reimbursement. Professor Sharon Tennyson of Cornell found that in 2010 the average auto insurance medical claim in Michigan, $35,446, was more than double that of the next highest state, New Jersey. The primary reason for the difference was that the mix of services provided in Michigan was more costly. Once an accident victim enters the health care system, those providing services have an incentive to overmedicate, over-test and over-price their services. Third, this inefficient and expensive use of health care results in higher auto insurance premiums for all Michigan drivers, and raises the cost of doing business in this state. A recent one done by Insure.com found Michigan had the second highest average car premium behind Louisiana in 2010. These high premiums hit lower income residents especially hard. No insurance means no car, and no car often means no job. In addition, every business that owns a vehicle, from the small flower shop in Hillsdale to Meijer, faces higher cost of production, which results in less business activity and fewer jobs in Michigan. At issue is how to pay for an extremely costly automobile injury. Right now we distort our auto insurance markets and dampen economic growth to do so and only cover those who are injured in an auto accident. What about the person who falls off of a ladder and suffers a brain injury? The proper place to treat costly injuries is through a general catastrophic claims system that provides the proper incentives to efficiently treat severe injuries rather than produce costly remedies. In the short term, Gov. Snyder’s solution is to basically do what the 49 other states do. The challenge is to solve the problem in an efficient and ethical manner that relies on markets and a free society. Gary Wolfram is the William Simon Professor of Economics and Public Policy at Hillsdale College and an adjunct scholar with the Mackinac Center for Public Policy, a research and educational institute headquartered in Midland, Mich.

https://www.mackinac.org/18642

Consider the following chain of events: - An engineer designs the site and grading plan for a construction project. - After the project’s completion, the developer finds that the parking lot is not draining. - In March, the developer writes to the engineer, accuses him of failing to follow recommendations in a geotechnical report, and orders him to create a plan to correct the drainage problem. - The engineer responds by saying that his design was sound but the contractor’s work was defective. - The engineer and developer hold several meetings to determine what caused the problem. The engineer sticks with his version of events. - In May, the developer writes again to the engineer, accusing him of committing design errors and shirking responsibility for the problem. - In August, the engineer notifies his liability insurance company that the developer is making a claim against him. - Sometime later, the developer sues the engineer, architect and contractor. Question: When exactly did the claim occur, and when should the engineer have reported it to the insurance company? In this case, the company said it did not have to provide defense or coverage because the engineer violated the policy conditions by reporting the claim late. In the company’s opinion, the developer’s March letter was a claim that the engineer should have reported. A court said that the case would have to go to trial, as the report’s lateness was unclear. The policy insured against claims occurring during the policy period and made within 60 days after the end. When, however, does a dispute become a claim, triggering the obligation to report it to the company? The answer turns on the policy’s definition of “claim”: “ … a demand for money or professional services received by the Insured for damages, including but not limited to, the service of a lawsuit or the institution of arbitration proceedings or other alternative dispute resolution proceedings, alleging a wrongful act arising out of the performance of professional services.” The court applied this definition to the March letter, asking whether a reasonable person would have considered the circumstances known to the engineer as a possible claim. In the court’s opinion, the answer was no. Until the developer’s May letter, the court said, a reasonable person could have concluded that the developer was unsure as to who was responsible for the drainage problem. The letter ordered the engineer to develop a plan to correct the problem. The engineer believed he would be paid for creating this plan, an assumption the court found to be reasonable. Because one reasonable view of the letter was of a request and not a demand for services as compensation for damages, the court said that the case must go to trial to resolve the question of facts. This case illustrates a dilemma for all sorts of organizations. If they fail to report incidents that eventually turns into lawsuits, their insurance companies might try to deny defense and coverage because of late reporting. Conversely, if they report every incident, no matter how minor, their companies could eventually decide to drop their coverage because of frequent losses, even if most of the reports amount to nothing. To deal with this problem, some policies permit circumstance reporting. The policy that ultimately covers the claim is the one in effect when the insured reports the circumstance to the company, if a claim results from that circumstance. Check with one of our insurance agents to find out what the reporting requirements are in your professional liability policies. Know what’s in your policy and what it requires you to do so that you don’t jeopardize your coverage.

https://www.tfwinsurance.com/2011/03/01/when-does-that-client-notice-become-a-claim-you-have-to-report/

Is it better to work with an agent or get buy auto insurance online? Depending on your comfort level and insurance needs, you should decide what to do. In this article, the MarketWatch Guides Team explores where you may get buy auto insurance online and when it would be more advantageous to speak with an agent. Use the tool above to compare free quotes from a few of the best buy auto insurance online companies to get started if you already know that you want to buy your auto insurance online. carism.info will provide some of information for you in this post. The Process of Buying Car Insurance Online You have three options for buy auto insurance online: speaking with a business agent, working with an independent broker, or buying auto insurance online. You can use a free auto quotation tool like ours to compare auto insurance coverage, cost, and provider. Following are some steps you can take to buy auto insurance online: 1. Get an Online Car Insurance Quote Obtaining a quote is the first step, which may be done via the website of an insurer or by using a tool like the one below that provides free buy auto insurance online quotes. You must provide the following information to get your quote: - Name and location - Number on a driver’s license - The year, make, and model of your car - VIN, or vehicle identifying number - Information on auto accidents, tickets, or insurance claims that have been made in the most recent several years 2. Compare Quotes Once you provide the necessary information, some websites may provide instant buy auto insurance online quotes that allow you to see the cost for the level of coverage you desire. Your phone number or email address may be requested by other companies so that they can contact you with rates and possibilities. Contact a couple different companies to compare insurance coverage. 3. Select Coverage Insurance companies that let you purchase a policy online will walk you through the simple purchase process. You’ll be prompted to choose the level of coverage you desire as well as any additional choices, such as towing, roadside assistance, or accident forgiveness. Create a payment method and fill out the required fields. The majority of insurers will likely let you use a credit card to pay, however some will charge a premium for this. The alternative is to pay using your bank account information and routing number. 5. Print Your Card Print your buy auto insurance online from home, and then. An ID card may be mailed to you from your insurer as well. What To Know When Buying Car Insurance There are some crucial factors to take into account if you’ve determined that purchasing buy auto insurance online is the best option for you. Where Can I Buy Car Insurance Online? Most significant vehicle insurance provide coverage online. You must meet with an agent before finishing your policy with providers who don’t allow online sign-up and sales. On the insurer’s website, you can still complete the majority of the buying process. If you’re ready with some basic information about yourself, your driving history, and your car, it might only take an hour or less. When you submit the initial payment, an online auto insurance policy can take effect. How Does Buying Car Insurance Work? Online insurance purchases for most organizations follow a similar procedure. If the insurer sells buy auto insurance online, you can buy any necessary standard kind of coverage right from your computer or phone. However, you might need to call an agent and explain your needs if you’re looking for specialty auto insurance, such as classic car insurance. Types of Car Insurance The typical forms of automobile insurance include: - Liability insurance for bodily harm - Liability insurance for property damage - Coverage for uninsured and underinsured drivers - Coverage for medical expenses (MedPay) - Protection from personal injury (PIP) - Comprehensive protection - Collision protection What does Standard Car Insurance Cover? Liability insurance that covers both property damage and personal injury is typically required. The other parties’ medical costs will be covered by bodily injury responsibility if you are found to be at fault for an accident. If there is property damage, the cars of the other parties must be fixed. Your personal injuries or the cost of auto repairs are not covered by either type of liability insurance. Uninsured Motorist and Medical Expense Coverages Uninsured/underinsured motorist coverage helps with damages and medical costs in cases where a driver is at fault but has no insurance or insufficient insurance. Your medical expenses after an accident are covered by medical expenditure insurance plans like MedPay and PIP, which have distinct criteria for at-fault and no-fault states. Collision and Comprehensive Insurance A full-coverage auto insurance policy includes both comprehensive and collision protection. Collision insurance will pay for the cost of your car’s repairs regardless of who was at blame for the collision. Comprehensive insurance protects your car from environmental harm: - Stealing Vandalism - Fallen items - Natural catastrophes like fires and floods Note that although comprehensive and collision coverage are not required by any U.S. state, auto lenders and leasing firms often demand that you maintain a full-coverage policy.

https://carism.info/vehicle-insurance/buy-auto-insurance-online/

Idiosyncratic Labour Income Risk and Aggregate Consumption: an Unobserved Component Approach We investigate the importance of aggregate and consumer-specific or idiosyncratic labour income risk for aggregate consumption changes in the US over the period 1952-2001. Theoretically, the effect of labour income risk on consumption changes is decomposed into an aggregate and into an idiosyncratic part. Empirically, aggregate risk is modelled through a GARCH process on aggregate labour income shocks and individual risk is modelled as an unobserved component and obtained through Kalman filtering. Our results suggest that aggregate labour income risk explains a negligible fraction of the variance of aggregate consumption changes. A more important part of aggregate consumption changes is explained by the unobserved component. The interpretation of this component as reflecting idiosyncratic labour income risk is supported by the finding that it is negatively affected by received consumer transfers. Idiosyncratic labour income risk thus matters for the aggregate economy. |, , , , , , |Tinbergen Institute Discussion Paper Series |Discussion paper / Tinbergen Institute Pozzi, L. (2007). Idiosyncratic Labour Income Risk and Aggregate Consumption: an Unobserved Component Approach. Discussion paper / Tinbergen Institute. Retrieved from http://hdl.handle.net/1765/10606

https://repub.eur.nl/pub/10606

You just got into an accident and your car was damaged, or maybe it was stolen! Insurance companies offer short-term car insurance to help you replace your vehicle so you can get back on the road in no time. But before you sign up, be sure to learn more about what this type of insurance entails, including its pros and cons, so you know if it’s the right choice for you. With this handy guide on short-term car insurance, you’ll have all the information you need to make an informed decision! What is short-term car insurance? Short-term car insurance is a type of insurance that provides coverage for a set period of time, usually 30 days or less. This type of insurance is typically used by people who are renting a car or borrowing a car from someone. It can also be used by people who are not able to get traditional car insurance because of their driving record or other factors. Short-term car insurance can be beneficial because it is usually cheaper than traditional car insurance and it can provide coverage in a pinch. What are your coverage options with short-term auto insurance? There are three main types of coverage available with short-term auto insurance: liability, collision, and comprehensive. Depending on your needs, you can choose to purchase one or all of these types of coverage. Liability insurance covers damages that you may cause to another person or their property in an accident. Collision insurance covers damages to your own vehicle in an accident. Comprehensive insurance covers damages to your vehicle from non-accident related events, such as theft or vandalism. Is purchasing a six month policy worth it? When it comes to car insurance, there are a lot of options out there. And while some people opt for the long-term security of a traditional policy, others prefer the flexibility of short-term car insurance. But is it really worth it? Let’s take a look at the pros and cons. How to get the most bang for your buck when buying short term auto insurance? There are a few things to keep in mind when looking for short-term auto insurance that will help you get the most bang for your buck. First, consider what you need the insurance for. If you only need it for a few days or weeks, then you don’t need to spend a lot of money on it. Second, shop around and compare rates from different companies. Third, look for discounts that you may be eligible for. Fourth, ask about any surcharges or fees that may apply. Shopping around can save you money – here’s how. When it comes to car insurance, there are a lot of options out there. And while it might be tempting to just go with the first company you come across, that’s not always the best idea. Shopping around can save you money – here’s how. It’s important to research – what should you be looking at? When you’re looking for short-term car insurance, there are a few things you should keep in mind. First, make sure that the policy covers everything you need it to. Second, check to see if there are any restrictions on the policy. Third, make sure that you understand the process of filing a claim. Fourth, check to see if there are any discounts available. And finally, be sure to compare rates from different companies before you decide on a policy. Best tips for drivers who want low premiums on their next temporary auto policy. - Shop around. Compare rates from at least three different insurers to get the best deal. - Look for discounts. Many insurers offer discounts for things like having a clean driving record or being a safe driver. - Consider your needs. How long do you need coverage? What type of coverage do you need? - Read the fine print. Make sure you understand what is and is not covered by your policy before you buy it. - Get quotes from multiple companies.

https://top10suggestion.com/short-term-car-insurance-the-good-the-bad-and-the-ugly/

The American Equity Underwriters, Inc. (AEU), the leading provider of workers’ compensation to waterfront employers, today announced the launch of a new claims management platform through a partnership with Origami Risk. As program administrator for the American Longshore Mutual Association Ltd. (ALMA), a group self-insurance fund, AEU provides in-house claims handling services for nearly 1,400 waterfront employers. The new system will operate on a technology platform developed by Origami Risk, the leading provider of integrated SaaS solutions for the risk, safety, and insurance industry. Key features include improved data analytics for claims trends and incident tracking, customizable and user-friendly interface, and accessibility on all browsers and devices. “We’re excited to transition our members to this dynamic new system,” said Will Scheffler, AEU’s director of claims. “It’s one more way that we at AEU continue to innovate in ways that allow for improved service and With the new system, AEU now can outsource to top-tier third-party vendors for bill review and pharmacy benefit management, allowing for enhanced savings for ALMA members. “Because our claims department is not a profit center, our investment in this system reflects a commitment to innovation and transparency which sets us apart from other USL&H providers,” said Michael Lapeyrouse, president, and CEO of AEU. “All of its features are geared toward achieving rapid claims resolution. Our members will have a complete view of their claims activity and the strategies taken to resolve each claim quickly and cost-effectively, all while ensuring quality care for the injured worker.” About Origami Risk Origami Risk is a leading provider of integrated SaaS solutions for the risk, safety, and insurance industry — from insured corporate and public entities to brokers and risk consultants, insurers, third party claims administrators (TPAs), and risk pools. Highly configurable and completely scalable, Origami Risk delivers a full suite of risk management tools and insurance core system solutions from a secure, cloud-based platform accessible via web browser and mobile app. Visit origamirisk.com or contact Origami at email@example.com.

https://www.amequity.com/who-we-are/newsroom/detail/the-american-equity-underwriters-launches-new-claims-management-system

At Aviva, we understand that for most things in life, one size doesn’t fit all. And the same can be said about insurance. The home insurance you need when renting differs from the home insurance you need when you own a home. We offer contents only cover for renters, and can tailor this to suit your specific needs. Why do you need renters insurance? Whether you own it or not, the house or apartment you live in is your home. We all want to protect the belongings that make our house feel like our own special space. Your landlord will more than likely have buildings only insurance, meaning nothing inside of your rented home is covered should anything happen. It’s up to you as the tenant to get renters or tenants insurance to protect your belongings. Renters insurance is also known as contents insurance. There are plenty of instances where you would be relieved to have contents cover in place - if there was a fire in your home, flooding or a burglary you would be insured against damages or losses to your belongings. What is covered with renters insurance? Your contents cover will include household goods like: - Artwork and ornaments - Sofas, beds and linen - Bookshelves and books It also includes belongings such as: - Clothes and shoes - Laptops, TVs and phones - Cash of up to €400 A good way to think of it, is insurance that covers items you would normally take with you when moving home. We offer contents cover on a ‘new for old’ basis. This means that, in most cases, we will replace stolen or damaged items with new items. There are a number of special features and discounts that are included as standard with contents insurance. You can find these here, including help in a home emergency, loss of visitors’ personal belongings and the loss of a credit or debit card. Looking for a quote? Simply call us on 1800 332 211 Monday to Friday 9:00a.m. - 6:00p.m. Looking for more information? Get up to speed with our helpful guides and all the latest home insurance news. Terms and conditions, limits and exclusions apply. Offer subject to minimum premium of €115 for contents. Home insurance is underwritten by Aviva Insurance Ireland DAC. Aviva Direct Ireland Limited is regulated by the Central Bank of Ireland. A private company limited by shares. Registered in Ireland No 374895. Registered Office: Cherrywood Business Park, Dublin, Ireland, D18 W2P5.

https://www.aviva.ie/insurance/home-insurance/renters-insurance/

In recent years, California has faced an unprecedented increase in wildfires, leaving a trail of destruction in their wake. Beyond the immediate threats to people and their property, these wildfires have also triggered a ripple effect in the insurance industry, including in the realm of auto insurance. The surge in these natural disasters has prompted many insurers to reassess risk factors, leading to notable changes in auto insurance rates across the state. The Wildfire Effect on Auto Insurance California’s diverse geography and ecosystems make it susceptible to wildfires, and the frequency and intensity of these fires have compelled insurance companies to reevaluate their risk models. As wildfires become more prevalent, the likelihood of vehicles being damaged or destroyed in the wake of these disasters rises significantly. Consequently, insurers face higher and more frequent claim payouts, influencing their overall risk exposure. Risk Assessment and Premium Adjustments Insurance companies heavily rely on risk assessment models to determine premiums. Regarding the threat of wildfires, these models are undergoing substantial adjustments. Factors such as the proximity of an individual’s residence to high-risk fire zones, historical data on local fire incidents and the overall frequency of wildfires in a given area now play a more pivotal role in calculating auto insurance rates. The direct impact of wildfires on vehicles, ranging from smoke damage to complete loss, has forced insurers to reconsider their coverage and adjust premiums accordingly. Additionally, the increased risk of accidents on evacuation routes during wildfire events has become another factor in rate adjustments. Shift Toward Usage-based Insurance Wildfires may contribute to an increase in the interest and adoption of usage-based insurance among California drivers. This form of auto insurance often relies on real-time data collected through telematics devices installed in vehicles, allowing insurance companies to tailor premiums based on an analysis of policyholders’ driving behavior. This shift is primarily driven by the belief that drivers who are more cautious and avoid high-risk areas during wildfire seasons could be rewarded with lower premiums. Learn More About Your Options Although the increasing frequency and severity of wildfires in California have sparked a significant transformation in the auto insurance landscape, there may still be ways for you to maintain appropriate coverage while limiting any rate increases. By working with a qualified insurance professional, such as Churchill Insurance Inc. in Yreka, California, you can ensure that you have access to the best available options and get an optimal deal on your policy. Visit our website or call 530-842-3578 to learn more today. This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

https://www.churchillinsure.com/blog/the-impact-of-recent-california-wildfires-on-auto-insurance-rates.aspx

If you are a pet owner, you understand the importance of ensuring your furry friends remain healthy and happy. One way to achieve this is by securing comprehensive pet insurance coverage. This is where Nullmax Safe Pet Insurance, a top pet insurance provider, comes in. Protecting your pets from accidents and illnesses can be expensive, and that’s where pet insurance becomes an essential investment. In this article, we will explore why Nullmax Safe Pet Insurance is a reliable option for pet owners looking to secure their pet’s health and wellbeing. Why Choose Nullmax Safe Pet Insurance? As a responsible pet owner, it is essential to provide your furry friends with the best possible medical care in the event of an emergency. That’s where pet insurance comes in. With Nullmax Safe Pet Insurance, you can be sure that your pets are protected with the best and most affordable coverage options available. One of the main reasons to choose Nullmax Safe Pet Insurance is their commitment to offering affordable pet insurance plans that cater to your needs. Unlike other insurance providers, Nullmax understands that every pet is unique, and has different requirements, which is why they offer customized coverage options to ensure you only pay for what your pet needs. Not only are their plans affordable, but they also offer the best coverage options in the market. Nullmax offers comprehensive coverage for a range of illnesses and accidents, ensuring that your pet receives the best possible medical care. With Nullmax Safe Pet Insurance, you can have peace of mind knowing that your furry friend is protected, no matter what. Comprehensive Coverage for Your Pets Nullmax Safe Pet Insurance provides comprehensive pet insurance coverage that ensures your furry friends receive the best medical care. Pet insurance is essential in protecting your pets, and Nullmax Safe Pet Insurance provides several benefits that make it a top choice for pet owners. Pet Insurance Benefits Pet insurance benefits are numerous and provide financial peace of mind when your pets need medical care. Here are some benefits of pet insurance: - Covers unexpected injuries and illnesses - Allows you to choose any licensed veterinarian or specialist - Provides discounted rates for preventive care - Covers prescriptions and medication - Offers options for routine care coverage By choosing Nullmax Safe Pet Insurance, you can secure comprehensive coverage that protects your pet’s health and well-being. Pet Health Insurance Coverage Nullmax Safe Pet Insurance covers a range of health issues that pets can face. Here are some examples of pet health insurance coverage provided by Nullmax: |Type of Coverage |Covers veterinary services, medications, surgeries, and hospitalization for unexpected incidents. |Covers illnesses such as cancer, diabetes, and infections. |Covers both hip and elbow dysplasia, heart disease, and other hereditary conditions. |Breeds Susceptible to Certain Conditions |Covers issues specific to certain breeds, such as bloat for large breed dogs. In summary, Nullmax Safe Pet Insurance provides comprehensive coverage for your pets, ensuring their health and well-being. With several pet insurance benefits and a range of health issues covered, Nullmax is a reliable option for protecting your furry friends. Getting a Quote for Nullmax Safe Pet Insurance Obtaining a quote for Nullmax Safe Pet Insurance is a straightforward process that can be completed online in a matter of minutes. To get started, simply visit the Nullmax website and fill out the quote request form. You will be asked to provide some basic information about your pet, including their age, breed, and any pre-existing conditions. Once you have submitted your information, you will receive a detailed quote outlining the coverage options and pricing available to you. Other Pet Insurance Providers While Nullmax Safe Pet Insurance is an excellent choice for many pet owners, there are other pet insurance providers to consider as well. Some of the top pet insurance providers in the market include: |Offers comprehensive coverage options |$35-$65 per month |Provides unlimited lifetime benefits |$20-$50 per month |Covers hereditary and chronic conditions |$30-$80 per month Comparing pet insurance providers can help you make an informed decision and find the coverage that best meets your pet’s needs and your budget. Take the time to review each provider’s coverage options, pricing, and customer reviews before making a decision. Comparing Pet Insurance Options Choosing the right pet insurance can be difficult, but it’s essential to ensure that your furry friend is covered in case of illness or injury. To help you make an informed decision, we’ve compared different pet insurance options, including Nullmax Safe Pet Insurance and other providers, based on the following key factors: It’s important to have a comprehensive coverage plan that covers everything from accidents to pre-existing conditions. While some providers offer limited coverage options, Nullmax Safe Pet Insurance offers a range of plans to suit your pet’s specific needs. Pet insurance prices can vary, so it’s important to compare prices to find the best deal. Nullmax Safe Pet Insurance offers affordable pet insurance plans without compromising on coverage options. |Nullmax Safe Pet Insurance One of the most important factors to consider when choosing a pet insurance provider is their customer service. Nullmax Safe Pet Insurance prides itself on its excellent customer service and prompt claims processing. Aside from providing financial protection, pet insurance can offer additional benefits such as discounts on veterinary services and medications. Nullmax Safe Pet Insurance offers a range of benefits, including access to their online portal and 24/7 pet helpline. After comparing pet insurance options, we highly recommend Nullmax Safe Pet Insurance as a reliable and affordable pet insurance provider that offers comprehensive coverage options plus excellent customer service and benefits. The Benefits of Pet Insurance Investing in pet insurance can provide numerous benefits for both you and your furry companions. Here are some of the key advantages: |Pet insurance can cover unexpected veterinary expenses, preventing you from having to pay out of pocket for costly procedures and treatments. |Peace of Mind |With pet insurance, you can have peace of mind knowing that your pets are protected should an unexpected illness or injury occur. |Access to Quality Veterinary Care |With pet insurance, you can afford to seek out the best veterinary care available for your pets, ensuring they receive the treatment they need to stay healthy. Having pet insurance also allows you to make decisions about your pet’s health based on what’s best for them, rather than being limited by the cost. It can also provide you with coverage for routine check-ups and preventive care, helping to keep your pets healthy and strong. At Nullmax Safe Pet Insurance, we offer comprehensive coverage options to protect your furry friends and provide you with peace of mind. Don’t wait until it’s too late, invest in pet insurance today. Nullmax Safe Pet Insurance is an excellent choice for pet owners looking to provide comprehensive coverage for their furry friends. Their affordable pet insurance plans offer the best coverage options in the market, ensuring your pet is protected against a range of health issues. With Nullmax, you can have peace of mind knowing that your pet’s medical needs are covered, and you won’t be burdened with costly bills. Obtaining a pet insurance quote from Nullmax is quick and easy, allowing you to make an informed decision about the best provider for your pet’s needs. The benefits of pet insurance are invaluable, and Nullmax offers some of the most comprehensive coverage in the market. By choosing Nullmax Safe Pet Insurance, you can provide your pet with access to quality veterinary care without worrying about the financial burden. Don’t wait until it’s too late. Protect your pets with Nullmax Safe Pet Insurance today.

https://www.healthpubmed.com/nullmax-safe-pet-insurance-protect-your-pets/

Understanding Fire Watch Regulations and Procedures If your building has a fire alarm system and/or a water-based fire protection system, such as a sprinkler system, the National Fire Protection Association’s (NFPA) 101 Life Safety Code (LSC) may require you to put in place a fire watch if that system fails. Also see about: Fire Watch Guards Chapter 15 of the NFPA 25 Standard for the Inspection, Testing, and Maintenance of Water-Based Fire Protection Systems, which specifies the requirements for how to respond to sprinkler system impairments, lays out the specific requirements for responding to impairments in your fire protection system. The requirement to respond to impairments in your fire protection system comes from the LSC. A fire watch may also be required in instances where the fire alarm signaling system is compromised, as stated in Annex A of the NFPA 72 Fire Alarm and Signaling Code. This post will help you learn more about fire watches, including what they are, what they entail, and the circumstances under which they must be carried out. It will also talk about the options building owners have for carrying them out. A fire watch is defined in Chapter 3 of the LSC as the assignment of one or more individuals to the following tasks: 1) Notifying the fire department, the building’s occupants, or both of an emergency 2) preventing a fire 3) putting out small fires 4) shielding the general public from fire or life safety risks. Emergency impairments can include an interruption in the water supply to the system, frozen or ruptured pipes, equipment failure, and any impairments that are identified during inspections of the system. Emergency impairments can also include an interruption in the water supply to the system, frozen or ruptured pipes, and any impairments that are identified during inspections of the system. The Code also covers preplanned impairments that occur when the system must be shut down for open flame operations, like welding in an area with automatic fire detection systems, or when the system needs to be disconnected for testing and maintenance. NFPA 72 defines an impairment for sprinklers and other water-based fire protection systems as an “abnormal condition” that renders your system or a component or function inoperable. A fire watch might be necessary if any of your system’s equipment or parts are damaged in any of the following ways: The NFPA standards do not specifically address the question of how much of the fire protection system must be impaired to trigger the fire watch requirement; however, a fire watch should be implemented whenever the system or a significant portion of the system cannot operate as intended. Sprinkler systems, including water spray, water mist, and foam-water systems Fire pumps and fire hose systems. Water storage tanks and underground fire service mains. Water supply interruptions. It is also essential to keep in mind that the length of time the system is impaired triggers the requirement to implement a fire watch regardless of the nature of the impairment.

https://www.inhomadesign.com/understanding-fire-watch-regulations-procedures/

Personal injury law is the part of law that governs when someone causes you harm. Personal Injury Lawyers Perth enables you to file a legal claim over one or more people who have harmed you or prompted you to suffer financial loss. There is a great deal to learn about the law regarding personal injuries. This article describes what types of lawsuits come from personal injury legislation, your legal rights, and how and when you can seek financial compensation if you have been injured. Personal injury law provides your entitlements when injured by someone else’s negligence. You can bring a claim to state or federal court for personal injury lawsuits. In the proceeding, you are the plaintiff, and the persons, companies, or other organizations you are suing are the defendants in title. Personal injury rules govern what circumstances give rise to a claim, who you can sue, what you must establish to win your case, and what penalties you have the right to if the lawsuit is successful. Personal injury law defines who you can file a claim against when anything goes incorrect. In most situations, the complaint is against the person, firm, or another organization (such as a federal agency) that caused you harm. However, in other circumstances, there are numerous prospective defendants. A qualified litigation lawyer in Perth will assist you in reviewing the legislation to establish every party who may be legally accountable for compensating you. Regardless of who you sue, you’ll almost certainly have to contend with an insurance provider during your claim for personal injury. When their policyholders inflict harm, insurers such as homeowners, vehicles, businesses, or malpractice coverage pay compensation up to the policy limitations. In exchange for forfeiting future claims, a financial institution might offer you an all-encompassing payment or settlement agreement. Personal injury law gives rise to a wide range of legal claims. It involves the conditions listed below. Accidental injuries: Personal injury law arises if someone else’s error injures you due to negligence or failure to meet a professional obligation. This involves medical malpractice lawsuits when a medical professional or care provider inadvertently injures you, property accidents when renters or owners are irresponsible in keeping their space, car accidents, and other incidents. Strict liability claims: If you are injured as a direct consequence of someone else’s actions or failures to act, you may be able to file a claim for personal injury regardless of carelessness or wrongdoing. An excellent example is when a faulty product brings you harm. The company that produced the item could be severely liable for your damages even if they did not act negligently or intentionally in developing, manufacturing, or selling the goods. Intentional torts: If somebody intentionally harms you, you can seek compensation under personal injury statutes. This involves, for example, battery and assault. There could be other scenarios where you can use personal injury laws to file a claim against a defendant who injured you. To win a personal injury case as a plaintiff, you must demonstrate that the defendant is accountable to you. The particular elements of your claim differ depending on whether the tort was deliberate, if the party responsible was negligent, or if strict liability laws apply. In general, you must establish that the person in question had some form of responsibility (such as driving safely or producing safe products) and that the defendant breached this commitment (either knowingly or negligently). Alternatively, you must demonstrate that the law requires the defendant to be held responsible irrespective of whether they did anything illegal. You must also demonstrate that the person being sued was solely liable for causing you harm by their actions or inactions and that you experienced losses for which you are eligible for compensation. It is entirely up to you to demonstrate the extent of your injuries. A majority of the evidence is usually required to prove your claim. This suggests that your evidence is likely correct and that the accused should be held accountable for the damages they suffered under the law. If you win your personal injury case, you can be “made whole.” This means returning you to the place you had been in before to the defendant’s harm. Among the several types of compensation offered are: A skilled personal injury lawyer may assist you in determining if your damages are limited and aid you in demonstrating the degree of your loss. That way, you can receive the highest potential compensation attainable under individual injury laws applicable to your particular case. Although an injury lawyer is properly qualified and licensed to practice in any field of law, he typically handles law claims such as accident injuries, defective products, work injuries, and medical malpractice injuries. Most personal injury cases managed by a lawyer are settled out of court before proceeding to court. It is strongly advised that you contact the experienced civil litigation lawyers in Perth, who have been adept in negotiation and settlement, assisting you in receiving fair compensation for your injury.

https://www.litigationlawyersperth.com.au/blog/personal-injury-law-essential-things-you-need-to-know/

We are an independently owned wholesale surplus insurance brokerage company specializing in Property & Casualty insurance. The companies we insure range from small business owners to Fortune 100. NeitClem’s featured class offers craft underwriting of unique special risks for small to medium enterprises within the E&S Casualty market. These classes are individually underwritten with coverage forms specifically tailored to the insureds operational needs. We offer various kinds of casualty insurance coverages to ensure that you don't go through certain losses alone. These include loss of property damage or bodily injury, or products and completed operations liability. We provide products designed to cover a wide range of auto dealer and auto service operations on the traditional garage coverage form. As the world has changed, so has professional liability. Neitclem's capabilities go beyond just errors and omissions. We tailor coverage from technology to data breach, as well as clinical trials and healthcare. Inland Marine Builder's Risks Health, Nutrition & Lifestyle Equipment Floater and Inland Marine Policies cover items and equipment moved by van, truck, or train and can include construction equipment and more. Medical professional liability insurance (MPLI), or medical malpractice coverage, can provide healthcare professionals with financial protection against claims of negligent acts, errors or omissions which cause injury or death to a patient. Whether it’s a business owner, building owner, tenant or landlord, we have the ability to tailor a package policy covering property damage from a fire or a customer falling on the premise. Our coverage is customized to meet the unique needs of: The Health, Nutrition and Lifestyle industry; The Hemp and CBD industry; The Cultivators, Processors, Wholesalers, and Dispensaries for medicinal or recreational use. We underwrite and broker from small to medium sized operations in more than 1,000 types of businesses. Our Excess Liability goes over General Liability, Auto Liability, Liquor Liability, Community Association D&O, Employee Benefits Liability and Employer's Liability. Insurance designed to provide coverage for third-party claims for bodily injury, property damage or clean-up costs resulting from a environmental incident. We insure a wide variety of businesses with environmental exposures from industrial, commercial, to residential contractors as well as environmental and energy. We can package casualty with pollution coverages for environmental contracting classes. Excess & Umbrella We will help put your mind at ease by making sure you're covered on potential risks to property. Anything ranging from natural causes to fire, theft, and vandalism can be dealt with under the protection of these coverages. Owner's Interest - Wrap Ups Property owners undergoing a project who want additional liability coverage beyond a general contractor’s policy can purchase OIP Insurance to cover more than what the contractor’s insurance will cover. A Wrap-Up Liability Policy is the most comprehensive insurance option for property owners and general contractors. An Owner Controlled Insurance Policy (OCIP) allows the property owner to buy the insurance policy to cover everything. A Contractor Controlled Insurance Policy (CCCIP) covers the same categories but is purchased by the general contractor. We hold exceptional relationships with companies that we believe have the strength and longevity to weather all market cycles Our team of specialists is always available, every hour of everyday, to provide expert insights to bridge our companies and policy holders We've consistently maintained our place in the Top 50 California surplus lines brokers We are an independently owned wholesale surplus lines insurance brokerage company created in 1992 by Rod Neitzel & Dennis Clemente We specialize in placement of commercial property & casualty insurance. The companies we insure range from small businesses to Fortune 100.

https://www.neitclem.com/

Conventional household and contents insurers rarely provide policies that cover against attacks by wood-rotting fungi. Peter Cox Property Insurance provides insurance protection against the worrying risks associated with wet rot. We insure residential properties, covering a full range of properties from flats, to houses and mansions. Not only that, our insurance policy covers other wood rotting fungal conditions such as dry rot. Wet rot is a fungus that attacks timber in properties, and is a serious form of timber decay. Although not as serious as dry rot, wet rot has the potential to cause serious structural damage to your home if left untreated. This can be a time consuming and expensive procedure depending on the damage caused. Most contents insurance policies will not cover you against outbreaks of wet rot and dry rot. This is why Peter Cox Property Insurance can offer customers complete peace of mind. A Peter Cox Property Insurance policy for wet rot will cover the following: For further information regarding our wet rot insurance cover you can download our policy document for more information. Terms and Conditions apply It couldn’t be easier to insure your home with Peter Cox. Simply arrange for a Peter Cox surveyor to inspect your property and, based on the survey and your requirements, appropriate insurance cover can be provided. To arrange a Wet Rot Survey, contact your local Peter Cox branch office on 0800 633 5712 or click the button below. *Survey enquiries for your local branch will be directed to our dedicated central survey control teams across the UK. Calls to 0800 and 0808 numbers are free unless you are calling from a business phone, in which case the rate will be set by your provider.

https://www.petercox.com/our-services/wet-rot/treatment/insurance/

The Risks of IoT in Medicine and Healthcare From the smallest sensors to entire operating room systems, the Internet of Things (IoT) is helping to save lives and changing the practice of medicine. By remotely capturing medical data, facilitating medication delivery and enabling digital health applications, the IoT delivers greater convenience and functionality to patients and their physicians. Along with opportunity, the IoT also presents new and emerging risks for technology companies. Should the technology fail to work as intended, a patient could be injured or sensitive personal health information may be exposed. Building in safeguards can help technology companies who produce IoT products, component parts and related software mitigate those risks. 1. Bodily injury. If an IoT device does not operate as planned, technology companies could be liable for resulting injuries, or even the death, of a user or patient. Companies who produce IoT technology should understand their exposure to bodily injury risk due to defective design, a manufacturing defect, product misuse or a failure to warn consumers about a potential danger related to the use of the product. For example, if a doctor prescribes a pill with a swallowable chip to verify compliance for a patient with a memory impairment, and a flaw prevents the transmitter from sending compliance data to the physician, the doctor may not receive alerts that the patient is not taking the medication. If the patient’s condition worsens and the patient needs expensive surgery, the patient might sue the company that made the connected pill for failure to transmit compliance data in a timely fashion. The Risks of Healthcare IoT Explore the opportunities and risks to companies who are developing IoT tech for the medical and healthcare industries.Download the white paper 2. Technology errors and omissions. The IoT technology may fail to work as intended due to an error, omission or negligent act in the design of the technology. If the purchaser sustains economic losses, such as lost profits or business disruption, they may file a liability claim. Defense expenses alone may be catastrophic to a technology business. For example, if a health insurer offers an incentive to customers using a fitness tracker, and an error in the tracking software overstates the number of steps, then the company may give more discounts than it should. The insurance company may attribute the financial loss to incorrect step counts as a result of external fitness tracker manipulation. 3. Cyber risk. Thieves find protected medical information an attractive target for cyber attack and are breaking into IoT-based information systems. If that data is exposed, businesses might face financial losses, business interruption or reputational damage for failing to properly secure data held within their information systems. For example, a company that makes wearable cardiac monitors could have medical readings uploaded to a cloud. If the engineers responsible for cloud security fail to properly configure a security patch, it could create a vulnerability. If hackers gain entry, they could then sell a patient’s sensitive health data. Managing IoT Risks Just as new applications continue to be discovered for medical IoT, so are new risks emerging. Companies can be held liable for bodily injury, economic losses to third parties and the failure to properly secure data. But technology companies can take steps to help protect against these three main categories of risk. Here are actions to consider in minimizing exposure to these risks: - Evaluate and implement appropriate quality and risk management systems. - Build in cyber security. - Evaluate company contract practices. It can also be helpful to discuss relevant insurance coverage with an agent or broker. Product liability coverage, errors and omissions liability coverage and cyber liability and cyber related first-party coverage can help protect against potential liability. More Prepare & Prevent In medicine and healthcare, the Internet of Things (IoT) presents technology companies with both opportunity and risk. From property damage risks to intellectual property risks, learn four key risk categories for 3D printing that technology companies should understand.

https://www.travelers.com/resources/business-industries/technology/the-risks-of-IoT-in-medicine-and-healthcare

Physical damage insurance provides protection against loss or damage to your covered vehicle resulting from an accident with another vehicle or object. Physical damage insurance is important for motor carriers and owner operators to carry and in many instances required based on if there is a lienholder. There are several distinctions to be aware of when purchasing physical damage insurance coverage. Collision provides physical damage insurance in the event of a collision whereas comprehensive typically provides coverage to repair or replace a vehicle in an incident that is not a collision like theft, vandalism, or fire. Value: The value of your truck/equipment could be based on a Stated Amount or Actual Cost Values. Discuss with our agency the difference between the two. It can make a difference upon a loss what the claims adjuster values the truck/equipment as. Deductible: The deductible is the amount that you agree to pay out of pocket when you have a claim. Choosing a higher deductible is an easy way to lower the price of your insurance. However, your lienholder may have a limit of how high your deductible can be. Also, be sure you choose a deductible that you can afford to pay at any time. Additional Physical Damage Options Towing: Towing a semi-truck can be a major expense after an accident. The insurance should cover towing to the nearest garage that can repair trucks. The limit for a commercial physical damage policy may only be $5,000. The insurance company should offer higher limits for an additional premium. Downtime: Downtime is one of the biggest problems that an accident may cause a trucking company. When a truck in your fleet is inoperable, you can lose thousands of dollars a day. Downtime insurance will help to offset some of your losses. It will normally help cover payments on the damaged vehicle while it is out of commission. Not all physical damage insurance policies have downtime coverage. Emergency Expenses: When an over-the-road truck driver is involved in an accident, they will have expenses that someone involved in an ordinary accident would not have. They are likely to be far away from home when the accident occurs and will need lodging, food, and transportation. Not all physical damage insurance policies have emergency expense coverage. Loan Gap Coverage: When your truck is in an accident, its value depreciates. In some cases, it may depreciate faster than the loan you have on it. A physical damage policy will not have to pay the lender more than the claim settlement amount. Not all commercial physical damage insurance policies have gap insurance. Truck Rental Costs: When a driver has an accident while on the job, your company must figure out how it will get the cargo to its destination. You may have to rent a truck just to fulfill your obligation to your client. Not all commercial physical damage insurance policies have rental options. Flatbed Truck Insurance: Tarps, binders, and chains that are essential to flatbed trucks are always getting lost or stolen, and the costs of these items can add up over time. Not all commercial physical damage insurance policies cover these kinds of losses. Securing Your Insurance Today Contact American Truck Insurance for you quote today. Our trusted agents can help create the perfect physical damage insurance policy for your company. We know that saving money and making sure you are ready for anything is critical to your success.

https://ati-ins.com/services/physical-damage/

What to consider when buying boat insurance. With warmer temperatures arriving earlier than usual, the water season is well underway. Whether you’re out on your boat every day or just on weekends, boat insurance should be top of mind during the summer months — and even beyond. Boat Insurance on the Water Naturally, you want to protect your boat while you’re using it. It’s important, though, to understand the associated coverages to ensure you are properly protected. Choose from standard and specialized coverages, including: - Liability, which protects other people and property if you’re responsible for an accident - Comprehensive, for incidents such as vandalism, flooding, and fires that may happen to your boat - Collision, for instances in which you hit another object and damage your boat - Fishing Equipment, which protects your gear onboard or while it’s being transported on or off your insured boat - Uninsured Boater, which protects you in case an uninsured boat collides with yours. Boat Insurance off the Water Protecting your boat while it’s on the water is an easy decision, but what about when it’s not on the water? What about when it’s sitting in a slip or even in your yard? In fact, nearly 20% of all boat claims are filed between Labor Day and Memorial Day — when boating isn’t at its peak. Most of these claims are filed due to vandalism, theft, fire, or flooding, which can happen at any time, not just during warmer months. And what about injuries? You’re most likely responsible if someone gets hurt on your boat, but did you know you could be responsible for injuries around your boat, too? If you bypass boat insurance, you won’t have liability coverage to protect you in cases that involve injury, which means you may be responsible for paying someone’s medical bills whether you’re using your boat or it’s sitting unattended. Whether you store your boat in a marina or your yard, you may want to rethink any decisions to cancel your boat insurance while it’s not being used. What to Consider Before You Buy Boat Insurance Before you make any changes, be sure to check your policy and review it with your agent to make sure you’re getting the most for your money. Remember to look at what you have, then purchase boat insurance that covers your way of life. If you own a home, car, business, etc., you may want to consider a higher level of boat insurance coverage or an umbrella policy to protect your assets.

https://chadholste.com/2022/06/what-to-consider-when-buying-boat-insurance/

Businesses have been dealing with many different issues arising from the coronavirus pandemic, including exposures involving employee illnesses, event cancellations, business interruption and director’s and officer’s (D&O) liability risks. While the full impact of COVID-19 is still unknown there are various potential D&O exposures of which businesses should be aware. Public Companies Face Securities Class Actions Claims D&O claims for public companies and to a lesser extent private companies will most likely involve securities class action or derivative suits, and stem from failure to disclose the impact of COVID-19. How directors and officers handled the coronavirus pandemic and if there was any mismanagement may also trigger potential claims for all types of businesses. For example, in March the first lawsuit was filed against Norwegian Cruise Line Holdings, Ltd. alleging the defendants made false and/or misleading statements and/or failed to disclose that: “(1) Norwegian was employing sales tactics in providing customers with unproven and/or blatantly false statements about COVID-19 to entice customers to purchase cruises, thus endangering the lives of both their customers and crew members; and (2) as a result, the defendants’ statements regarding Norwegian’s business and operations were materially false and misleading and/or lacked a reasonable basis at all relevant times.” Inovio Pharmaceuticals, Inc. is also facing a securities class action suit after it announced that it developed a COVID-19 vaccine “within three hours” and that its plan was to start trials in April 2020, according to The D&O Diary. As a result of the company’s statement, its shares “more than quadrupled” within a few trading days. After the SEC was called upon to investigate Inovio’s “ludicrous and dangerous claim that they designed a [COVID-19] vaccine in 3 hours,” the stock price dropped by 71% and shareholders suffered a $643 million loss of market capitalization. D&O Risks for Community Associations Community associations that manage developments have a duty to exercise due care for the safety of residents and guests in those areas under their control. As such, the board of directors of a community association could potentially face claims by members and guests who become infected, alleging that the association failed to exercise reasonable care in guarding against, or warning of, the risk of exposure to the COVID-19 virus. According to the Community Associations Institute (CAI), it’s important to note that “during a pandemic emergency, an association cannot guarantee that the actions it takes will result in a common area totally clear of the virus, particularly when residents come and go on an ongoing basis.” A board should follow the expertise of the CDC and other government authorities to implement recommended strategies to minimize the spread of the disease and create as safe an environment as is reasonably possible. Data Breach Exposures on the Rise The failure of management to protect against and insure for privacy or cyber liabilities could potentially lead to D&O claims. With an increased reliance on remote working arrangements and IT infrastructure, organizations are more vulnerable to phishing and ransomware attacks by cyber criminals. The board along with management should evaluate whether the company’s IT systems have enough capacity to support the growing virtual environment that COVID-19 has necessitated. They should assess whether proper cybersecurity measures, policies, and contingency plans are in place, and whether remote workers have the proper training to help mitigate risk. In addition, companies and their boards should be looking at whether their protocols and policies need to be updated as part of their fiduciary responsibility. How D&O Liability insurance will respond to various COVID-19 exposures will depend on an insured’s specific policy and its exclusions. For example, in general D&O policies include exclusions for all claims of bodily injury, pollution liability and other risks, with wording varying among policies. It’s important to review with clients their policies and ensure that they are taking the appropriate risk management measures to mitigate losses. Learn more about our community associations insurance programs today! Sources: IBA, The D&O Diary, National Underwriter, Willis Towers Watson, JD Supra, Community Associations Institute

https://distinguished.com/potential-do-risks-in-the-wake-of-covid-19/

Nearly every occupation has its fans and supporters, but some have fans that take it to a whole new level. No, we’re not talking about sports fans or rock music fans, but rather, fire buffs. What exactly is a fire buff? A fire buff is someone that is a fan of emergency services, in particular firefighters. Also, while many firefighters are fans of the fire service, many people who describe themselves as fire buffs are not actual firefighters. They will raise money for firefighters, take photos of fire scenes, and spread information in the community about emergency services. There’s a lot to unpack when it comes to fire buffs, and we’re going to do it all ahead. Make sure you keep reading, as there’s lots of great information to come! Table of Contents What Is a Fire Buff? Buff can mean a lot of things, from musculature to a type of leather. It also usually refers to someone who knows a lot about something. That’s a fire buff in a nutshell. Fire buffs are dedicated to their local emergency services, with firefighters chief among them. A fire buff may be an individual or part of an organization with fellow buffs. In some instances, fire departments have been known to use fire buff organizations as a type of auxiliary service. That being said, fire buffs are not firefighters themselves. They may know about fires thanks to the information that the local fire department has spread, but they are not in any way, shape, or form a trained firefighter. It’s not necessarily that a fire buff wants to be a firefighter, either. They just want to support and promote local emergency services. Interestingly, although the term buff usually does denote one’s intelligence on a particular subject, it appears that fire buffs by that definition is purely coincidental. You see, the term fire buff first started in the 20th century. Around that time, fire buffs would be known for appearing on the scenes of fires wearing a trademark fur coat (during the winter only, though). The coats got the fire buffs nicknamed buffalos, which over the century got abbreviated to just buffs. Interested in other unique firefighter knowledge? I wrote an entire article explaining the term jobtown and 8 other unique firefighter terms. Click the link to check it out. The Benefits of Fire Buffs Fire buffs are very passionate about their firefighters and their local communities, which can benefits fire departments in a myriad of ways. Let’s take a closer look now. Earn the Fire Department More Money Fire buffs will gladly campaign on the part of a fire department and get the word out about a fundraising event. It’s still good for the fire department to promote the fundraising event themselves, of course, but free promotion on the part of the fire buffs–especially if they’re part of an organization–is certainly beneficial. Fire buffs don’t merely campaign for funds but will also happily and regularly donate to their local fire departments. It’s always a great feeling to have such avid supporters on your side, especially if your community has an association of fire buffs. Spread Beneficial Information About Emergency Services Who do you call in a fire? What do you do? Your local fire buffs know, and they want everyone in the community to know as well. Whenever a fire department speaks at schools or community events, the fire buffs will promote it. They will also spread the information that the firefighters share among the community so that everyone can be safer. At the end of the day, it doesn’t matter whether the information came from a fire buff or the firefighters themselves. If hearing fire safety tips or other basic information can save someone’s life, then it’s all worth it. Act as Cheerleaders Being a firefighter is a hard job, and it’s nowhere near as glamorous as television shows and movies make it look. Fire buffs can sometimes remind firefighters that it’s all worth it, which makes their job a little easier to do even on those incredibly difficult days. The Downsides of Fire Buffs As helpful as fire buffs can be to a local fire department, we’d be remiss not to mention the downsides of fire buffs, as there are some to be aware of. Let’s go over these issues now. Can Spread Misinformation Fire buffs don’t know everything there is to know about fires or fire safety. They listen to what the local fire department says and then spread that information. However, like a game of telephone, information can get jumbled up even if no one is telling a mistruth. All it takes is one fire buff to mishear something or misinterpret it because they don’t know a lot about fires. Then, boom, misinformation spreads throughout the community like a fire itself. This can come back on the fire department, despite that everything the local firefighters said was wholly accurate and true. In reality, it was the fire buffs who misunderstood, but that might not matter. The average member of your community probably has no idea what a fire buff even is and wouldn’t want to blame their friend, neighbor, or fellow community member. A fire department, if such misinformation ever does become an issue, should do more than clear up misunderstandings among the community. They need to talk to the fire buffs about spreading misinformation as well. Show Up to Fires Even if your local fire buff association is full of sharp-eared people, there’s still another risk of a fire buff’s presence. A lot of them like to take their support to the next level by witnessing firefighters do their job. That’s right. They’ll show up to a burning building, wait for the fire department to arrive, and watch the firefighters at work. A firefighter doing their thing is extremely impressive, but it’s not like going on a property tour to see behind the scenes. A fire is an uncontrollable thing. Every time a firefighter goes into a burning building, they do so with the full knowledge that they might not come out again. They want the area to be as safe as possible, which means that bystanders of any nature–fire buffs or otherwise–should not be there. They’re only complicating the firefighter’s job. In some instances, a fire buff could even put their own life in danger, making a firefighter work harder to save them as well as the victims in a building that need rescuing. Finally, fire buffs are passionate about their local fire departments, which is great. They can spread the word about emergency services, raise funds, and donate money themselves, which is even better. The real issue with fire buffs is when they try to interject and get involved in real emergencies with their presence. Since your word as a firefighter matters so much to a fire buff, strongly encourage them not to engage in that sort of behavior.

https://firefighternow.com/fire-buff-what-it-is-and-why-it-matters/

Back in 2017, Elon Musk said through Twitter that “A.I. will certainly be the very best or worst thing ever before for humankind.” While in 2017, A.I. or Artificial Intelligence was still an abstract concept, with every passing day it is coming to be even more of a reality. Looking ahead, the insurance policy industry need to start ahead to holds with the seismic modifications that AI will offer the way it works. As an example, the education and learning system is currently having to start to come to grips with the profound changes platforms such as ChatGPT, and also its capacity to compose essays, poems, write-ups in mins. While the NYC education system already has actually prohibited making use of ChatGPT for job, which may nearly be a difficult job, there is no doubt that the surge of AI has broad ramifications not just for the education system and also we enlighten our children in the future, however likewise exactly how we will work as well as do business. Therefore, Agency Checklists thinks that AI will be the actual disruptor of the insurance policy industry over the next decade. If forecasts are true, the capacity to quote and also tailor prices in secs based on an individual’s unique scenarios will overthrow all the old ways of selling insurance coverage. It will certainly additionally impact the many procedures that underlie the insurance sector from actuarial to cases dealing with. So with these concepts in mind, Agency Checklists decided to query ChatGPT to find out from the steed’s mouth, “How will AI change the Property & Casualty insurance coverage sector over the next 10 years.” In the period of concerning 30 seconds– here is what it told us. There are a number of ways that artificial intelligence (AI) is anticipated to transform the property as well as casualty insurance industry in the coming years. A few of the vital locations where AI is most likely to have an impact consist of: Danger analysis: AI algorithms can assist insurers a lot more properly assess the risk of insuring a particular residential or commercial property or individual. This can be done by examining a wide variety of information resources, consisting of residential property features, area, and past cases background. Underwriting: AI can assist insurance companies in the underwriting process by automating the collection and also evaluation of data required to make underwriting choices. This can accelerate the procedure and boost the precision of underwriting choices. Insurance claims handling: AI can assist insurers automate and also simplify the claims procedure by recognizing patterns in cases information as well as using this info to predict future insurance claims. This can help insurance firms to much more successfully procedure cases and decrease the moment and also initiative called for to deal with insurance claims. Scams discovery: AI can help insurance companies determine and prevent illegal claims by assessing data and also detecting patterns that may indicate deceitful task. Overall, making use of AI in the property and casualty insurance policy sector is anticipated to boost performance, boost danger evaluation and also underwriting, and minimize the price of insurance policy for consumers

https://futurenewsforyou.com/chatgpt-says-ai-will-change-the-insurance-industry/

Source: Deccan Chronicle Tension prevailed in the Electronic Manufacturing Cluster-I in Vikruthamala under Yerpedu Mandal in Tirupati district on Monday, after a massive fire broke out at the manufacturing facility of Foxlink India Electric Private Limited, which makes cables for Apple iPhones. However, a quick response from the fire and rescue services personnel and police averted a major fire accident. The Apple supplier ‘Foxlink’ has halted production at its assembly facility, situated close to Tirupati international airport, and evacuated approximately 400 of its employees to safety after the mishap. The fire safety department, with the help of police and the management, doused the flame and brought the situation under control, fire safety officials said. A release from the district administration stated that the initial investigation revealed that the fire occurred around 1 pm due to an electrical short circuit on the first floor of the facility. “Employees noticed flames emanating and immediately alerted the fire control room and the local police. Fire tenders were deployed to douse the fire. The blaze was finally put out after more than two hours of fire-fighting. No casualties have been reported in the incident”, it added. The official release claimed that timely action was taken by the management and the district administration to prevent any loss of life. “The fire safety department responded and tried to reduce the severity of property damage with the help of fire extinguishers. Details of property damage are yet to be ascertained. The incident would be investigated and appropriate action will be taken”, the district administration added in its statement. According to sources, some of the employees were trapped inside the factory when the fire broke out on the first floor of the building. Soon after the fire started, thick smoke engulfed the area, and the employees immediately rushed out to safety, while a few of them were said to be injured. They were shifted to a nearby hospital for medical treatment. Sources said, half of the building was gutted in the fire and the management estimates that the majority of the machinery has been damaged. Properties worth several lakh rupees were said to be gutted in the fire. EMC CEO M. Gautami, APIIC officials, the Revenue Department, Police and officials of other concerned departments inspected the spot and took appropriate relief measures.

https://globalsmtasia.com/major-fire-breaks-out-at-apple-supplier-foxlink/

What Protection Does it Offer? For an additional premium to your homeowners insurance policy, an endorsement for water backup and sump discharge will cover losses caused by the following: - The backup of water or waterborne materials through a sewer or through a drain - Water or waterborne material that overflows from a sump, even if the backup of water is due to the mechanical breakdown of the sump pump. Coverage includes damage to covered property but excludes the sump pump and any related equipment that has broken down The endorsement does not cover losses that involve owner negligence, such as from damage as the result of forgetting to turn on your sump pump, or damages caused by a flood. Some water and sewer backups are unavoidable, but there are some simple things you can do to prevent backups in your sewer line: - Paper products: Do not flush anything other than toilet paper down your drain. - Cooking grease: Instead of rinsing grease down your drain, dispose of cooled grease in your garbage. - Shrub and tree roots: It’s common for the roots of trees and shrubs to make their way into sewer line cracks. Over time, the cracks allow debris to build up. If you have continuing problems with tree roots in your sewer lateral, consider replacing it with a pipe made of plastic. - Illegal plumbing connections: Connecting flood control systems to your sanitary sewer only spells trouble. Consult a plumber to correct any illegal connections. Water in Your Basement? Often, water entering the basement is not due to a sewer backup but rather from poor soil grading around your home’s exterior. If you have a water problem and have ruled out sewer backup, making sure that water is draining away from your home’s foundation properly can often fix the problem. The Cost of Coverage The cost of sewer backup coverage is affordable. Our personal lines team can provide you with more information about coverage costs, limits and deductibles. Call American Trust Insurance at 605-353-2800 to learn more about this coverage and all the affordable ways we can help you to protect your home and personal property.

https://www.atiinsure.com/blog/sewer-back-up-coverage/