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High qualification in Magento theme development is a result of a long time of experience and hard work. What is our way of gaining Magento development skills? Magento is famous for its very good and solid documentation. A lot of data concerning Magento development, particularly Magento theme development, can be found in official Magento manuals. It helps search for the answers on the development current questions. In the official documents also all the news, releases, updates, new features and tools information is placed. Of course the theoretical descriptions are not enough to be an expert. Another our source of professionalism in Magento theme development is our experience and a lot of previous practice. Building lots of Magento themes our Magento developers polish their technical skills, aesthetic taste and Magento site structure understanding. Most of our customers who already have a Magento theme from SOFTLOFT and start up new online store businesses, ask us for another theme for a new shop. The brilliant reputation helps us cooperate with more and more clients and at the same time broaden our experience. With every new Magento theme the level of our developers’ qualification raises. We have created a number of Magento themes for small, middle and large online stores of many different assortment focuses. If you are looking for a Magento development team with a profound expertise, you have already found it!

https://soft-loft.com/blog/how-do-we-get-our-experience-in-magento-theme-development/

Flooded Basement Monroe, CT Flooded basement disasters must be tended to without delay, which is why 911 Restoration Connecticut and our flooded basement Monroe team are available 24/7 ready to start pumping water out of your basement as soon as we arrive on scene. Your basement’s concrete, wood and brick can quickly absorb water like a sponge and cause severe structural damage in no time. This is why our flooded basement Bristol team responds within 45 minutes of every call so we can quickly perform our comprehensive water damage restoration services before costly repairs set in. In addition to restoring your lower level to a pristine state, our flooded basement Monroe pros strive to educate homeowners on how they can prevent a flooded basement scenario from happening again. Some of these tactics include: - Inspecting hoses for damage - Checking pipes for leaks, cracks and rust - Ensuring sump pumps are in good working order - Aim downspouts away from home - Clean out gutters - Inspect sewage backflow valve We are licensed, insured and bonded to perform even the most complex water extractions and make needed plumbing repairs to keep your home safe. Call our flooded basement Monroe pros today and we will even file your flooded basement claim to your insurance company! Does Insurance Cover a Flooded Basement? According to research conducted by our flooded basement Monroe crew through the Insurance Information Institute, most major insurance providers will cover basement flooding so long as outside forces are not to blame. This means that any damage caused by rain storms or snow melt-off would not be covered and would require a supplemental policy. When it comes to protecting your basement and home from the perils of water damage you deserve the best flooded basement company in Monroe, so call us today! What is the Best Flooded Basement Company in Monroe? The best flooded basement company in Monroe is easily 911 Restoration because we always put the customer first and our flooded basement Monroe team is number one in customer service. Our 911 Restoration Connecticut technicians are very passionate about performing water removal jobs in this special city we love so much. Profiled by the ‘New York Times’ as an ideal place to live, the town of Monroe offers one of the finest school districts and boasts a tranquil ambiance throughout the community. When our flooded basement Monroe team responds to a washer burst or any other disaster that floods your lower levels, we take care to make sure the quality of our restoration services reflects this amazing community. Call our flooded basement Monroe company for fast, same day service and let us give you a free inspection before we rebuild your home to something better!

https://www.911restorationconnecticut.com/flooded-basement-monroe-ct/

January 13th is one of the most significant days in Boyertown history. Today marks the 113 Anniversary of the Rhoads Opera House Fire. On the evening of January 13th, 1908, 170 men, women and children perished in the fire. Meaning 10% of Boyertown’s population at the time, had died in one night. One fire fighter also died on the way to the fire. 69 News put together a wonderful documentary and tell the fascinating story of the events leading up to and what happened after the fire. You can watch it here. Nearly 400 people were on the second floor of the building at the corner of Washington and Philadelphia Ave. when the fire broke out. However, two fire escapes were not only not marked, the window sills were 3’ high with locked windows. Walkways were narrow and all the doors opened inward creating a barrier when the crowd rushed the doors. This incident was the catalyst that pushed the PA Legislature into passing new legislative standards for doors, landings, lighting and curtains, fire extinguishers, aisles and marked exits. All doors are now required to open outward and remain unlocked. Governor Edwin Stewart signed PA’s first fire law on May 3rd, 1909. This legislation served as a model for other states creating fire standards in public buildings. This Sunday, January 17, 2021 at 1pm, The Boyertown Historical Society is hosting a wreath laying event in remembrance of the victims of the Opera House fire. It will be held at the Graves at the Unidentified. https://www.facebook.com/events/2773612172953708

https://www.buildingabetterboyertown.org/post/the-boyertown-opera-house-fire

November 2, 2018 – As the time change approaches on Sunday, November 4, the Midland Fire Department wants to remind residents to make another change that could save their lives: changing the batteries in their smoke alarms and carbon monoxide detectors. The Midland Fire Department has joined forces with Energizer and the International Association of Fire Chiefs for the Change Your Clock Change Your Battery® campaign. The program urges all Americans to adopt a simple, lifesaving habit: changing smoke detector and carbon monoxide batteries when changing clocks back to standard time each fall. Changing smoke detector batteries at least once a year is one of the simplest, most effective ways to reduce tragic deaths and injuries. The National Fire Protection Association reports that 71% of smoke alarms which failed to operate had missing, disconnected or dead batteries. This reinforces how important it is to take this time each year to check smoke and carbon monoxide detectors. Additionally, the Midland Fire Department recommends replacing your smoke detectors every 10 years. Beginning in 2002, all smoke alarms must have a manufacture date marked on the outside of the smoke alarm. If your smoke alarm does not have a manufacture date, then it is more than 10 years old and must be replaced. When replacing your smoke alarms the Fire Department suggests purchasing alarms with 10-year lithium batteries. In addition to testing fire safety devices, the Fire Department recommends that residents do the following: - Use the extra hour on November 4 to plan and practice escape routes; - Use both ionization and photo electric smoke alarms to alert people to home fires; and - Prepare a fire safety kit that includes working flashlights and fresh batteries. For more on fire safety, call the Midland Fire Department at 989-837-3410 or email Fire Marshal Tony Lelo at email@example.com.

https://www.cityofmidlandmi.gov/CivicAlerts.aspx?AID=1873&ARC=1966

Two recent cases where big high street names have been successfully prosecuted for breaches of The Regulatory Reform (Fire Safety) Order (RRO) appear to show that a postcode lottery applies to the penalties imposed for what seem identical offences. B and M Retail Ltd that operates a chain of stores throughout the country was fined nearly £33,000 after pleading guilty to six offences under the RRO at their store in Mansfield Nottinghamshire. Revealingly the fines were itemised for each offence. The fines included £4,000 for failure to create a suitable and sufficient fire risk assessment (You would think by now that all businesses should know they MUST conduct a fire risk assessment). There was also a £4,500 fine for having obstructions at fire exits and along fire exit routes plus a £5,000 fine for having fire doors locked. In comparison retail giant Asda was also convicted and sentenced at Reading Crown Court for two identical offences at their Chippenham branch i.e. obstructed fire escape routes and combustible items obstructing fire doors plus a separate offence of having fire exit doors chained and locked. Asda received a £20,000 fine for each offence plus another £15,000 costs. I cannot think of any other area of law where the punishment metered out is so arbitrary. Surely it is time to bring consistency and fairness to RRO enforcement? On a different tack it never ceases to amaze me how creative some people can be in finding new ways to start fires in the home. Earlier this month 20 fire fighters and four fire engines from the London Fire Brigade attended an emergency call to a maisonette on Wartlersville Road in Upper Holloway. According to Watch manager Adam Barnett “two men had wedged a toaster in the on mode and were cooking a tin of spaghetti on top of it.” Left unattended the toaster obviously caught fire. It turns out that there were no smoke alarms in the property that would have alerted the men to the danger but thankfully they escaped unharmed – and presumably hungry!!!

https://www.fireandsafetycentre.co.uk/blogs/news/fines-for-fire-safety-breaches-are-inconsistant

At 07:04 Kuhl Hose Fire Company was called to 8961 Kuhl Road for a report of a structure fire. On arrival, Chief 680 reported heavy smoke and fire showing from the roof. First units on scene battled with heavy smoke and fire conditions along with temperatures below zero. Units made a fire attack and contained the fire to the second floor and attic. A tanker shuttle operation was set up from a municipal water source approximately 3 miles from the scene. Units were called from to assist from Belle Valley, Kearsarge, Brookside, Greenfield, Wattsburg, Perry Hiway, City of Erie Fire, and Emergycare. Additional companies were called to replace companies on the scene that were affected by the weather. Each crew was rotated from the scene after 45 minutes due to the extremely cold temperatures and the associated problems that were faced. Three Firefighters were transported to local hospitals for evaluation of injuries; Two firefighters were transported to Saint Vincent Health Center for head and neck injuries sustained when a portion of the roof collapsed, and both were treated and released. A third firefighter was transported to Hamot Shock Trauma for back injuries due to a fall. He was also treated and released. The fire was under control in under in an hour and crews remained on scene until 11:30. The family of 5 was home at the time of fire but escaped without injury. The cause is still undetermined and is being investigated by the Fire Department and the Pennsylvania State Police Fire Marshal.

https://www.firehouse.com/photo-story/article/10550115/early-morning-fire-leaves-5-homeless-in-erie-pennsylvania

Finding the cheapest car insurance can be a daunting task, but it doesn't have to be. With a bit of research and comparison shopping, you can find the best deal for your needs. According to NerdWallet's most recent analysis of minimum coverage rates, Geico is the nation's top cheapest auto insurance company. However, there are other smaller companies that may offer even lower rates. When looking for car insurance, it's important to consider all of your options. Each insurance company calculates premiums slightly differently, so you may find that one company's quote is hundreds of dollars more expensive than another's. You can also get discounts if you insure several cars, own a newer vehicle, or install alarms and other approved anti-theft devices. Additionally, some states require insurers to give you a discount for completing a defensive driving course. One way to keep rates low in the event of an accident is to buy accident forgiveness coverage with your car insurance. If your car insurance company offers it to you, you can also enroll in a usage-based telematics program that rewards you for your safe driving habits. In Michigan, although insurers can't use your credit score, they can use factors that contribute to your rating to calculate your rate. Central Insurance, MMG and Secura are smaller insurers that offer coverage in several states and have even cheaper car insurance rates than Geico. Being labeled a high-risk driver can prevent you from experiencing the same low car insurance rate that drivers with a clean driving record have. If you want additional liability protection, but don't want to buy comprehensive and collision insurance, you should buy sole liability insurance with coverage levels higher than your state's minimum requirements. Full-coverage auto insurance offers the most financial protection, but if you're looking for the cheapest possible insurance, you can buy the cheapest state minimum insurance policy available to you.

https://www.getbudgetinsurance.co.za/

South Carolina homeowners insurance quotes South Carolina is another one of those states with several different types of terrain and different risks to match. Hurricanes, flooding, dangerous snowstorms, tornadoes – all these things happen in South Carolina, and the right homeowners protection is incredibly important. As a homeowner in Palmetto State, you need to touch base and be acquainted with home insurance, the primary source of protection for homeowners and their families. Become familiar with the intricacies that include coverage and trustworthy homeowners insurance companies in South Carolina with this guide! At Insurance Geek, we supply South Carolina homeowners insurance quotes as painlessly as possible for our customers, no matter the South Carolina ZIP code. Filling out our quote form down below is the only thing that you’ll need to do, and let us do the rest. But before we get into that, let’s cover all the necessary information that you must know and all of the factors that might affect your homeowners policy in South Carolina. South Carolina Home Insurance: The Basics With about 5.15 million people inhabiting the state, South Carolinians can enjoy its magical shores and beaches as well as historically important sites and locations. South Carolina has an astounding 68.9% homeownership rate, which is above the national average. In order to obtain more information about home insurance rates and best homeowners insurance, just keep reading. Like every imaginable corner of the world, South Carolina is prone to natural disasters and nature-caused afflictions, which makes homeowners insurance an absolute must. In order to fully insure your home, it’s best to select an insurance company that your trust, so Insurance Geek will help you around all of the insurance companies in South Carolina. Perils in South Carolina It’s best to know what encompasses a “peril” in the sphere of home insurance companies – practically anything risk-inducing for your home. You should also be aware of how they affect home insurance rates. You can file claims for perils included in your policy. The expenses will be covered if they occurred due to a covered peril. This list includes the most common claims based on our experience when it comes to homeowners insurance in South Carolina: - Tropical storm - Drain and Sewer Problems Naturally, there are more perils that can affect your home and also be covered by your homeowners policy. It is useful to be acquainted with the ones that occur the most before you dive deeper into insurance companies and home insurance rates in South Carolina. How are Average Premiums Determined in South Carolina? Countless factors affect and determine premiums that you could get. The crime rate, credit score, building materials, and weather are just a few that directly influence insurance rates from state to state. Since every client is a unique composition of varying factors, premiums will differ. We are going to layout and describe the most important factors that affect the South Carolina home insurance costs First and foremost, it’s important to mention the dwelling value – from the materials used in the construction of your home to the entire cost it would take to replace it to the present condition. This is the information that aids the insurance company in assessing the home insurance rate and the dwelling coverage portion of your insurance. Another factor that can drive the insurance rate up is a previous claim or multiple previous claims. This signals that the property is at risk and that there are hazards occurring commonly around the location, or maybe even in your ZIP code area. Condition of Your House The condition of your home and your property will tell the insurance company many things that they need to know as they assess the potential hazards or risks. This factor encompasses build materials, age, as well as the current state of your home. Car Insurance and Other Bundle Discounts Insurance companies have more preferable rates in South Carolina if you choose to bundle up! Mixing and combining your policies will result in favorable discounts. To score on home insurance discounts and protect your home, the homeowners company of choice will offer the possibility of bundling life and auto insurance together. If you want to get to know more about bundle discounts, it’s best to speak to licensed agents who collaborate with the insurance company directly. Insurance companies use a credit score to determine the premiums customers pay for their coverage. What you need to pay attention to is that bad credit scores reflect a higher risk for insurance companies, and they also determine higher insurance premiums. So, what you should do is make sure to have a clean financial record and pay loans etc. punctually to get lower premiums! What Is the Best Option for Homeowners Insurance in South Carolina? There are different types of homeowners insurance policies. Before choosing one, let us introduce you to the necessary information about them. What you need to do first is choose between an ALL PERIL policy (known as “All Risks”) or a NAMED peril policy. While all peril policies are plainly and easily understood when you get acquainted with the terms, we are going to shortly lead you through them. ALL PERIL Policy All PERIL policies offer coverage for all perils that are included, except for the ones that are excluded. Therefore, an ALL PERIL coverage portion can safeguard you from damages done by catastrophic weather conditions. ALL PERIL policies are also there to make your life significantly easier after a traumatic loss. Should a certain peril be omitted, that is, it isn’t mentioned, then it isn’t covered. A NAMED Policy With the second option, you’ll be able to have a limited set of coverage options that will protect you against NAMED perils, which will be stated on your insurance policy plan. Those that aren’t stated are also not covered. Named policies are most commonly bought to cover gaps in the existing insurance policies. What Kind of Policy Do do You Need in South Carolina? If you’ve never been to South Carolina, you might not remember the damage from some famous hurricanes of the past 40-50 years, including Diana, Hugo, and other perilous storms. There can be no doubt there’s a danger when it comes to living in coastal regions. Some of the bad weather spawned from hurricanes such as tornadoes and hail can truly wreak havoc on a homestead. Hurricanes are just one peril that could be faced by residents of South Carolina. As noted, PERILS are disasters that could damage your home. The best way to protect against any of the perils above is to consider an ALL PERIL policy. This is one of the most inclusive ways you can take care of your home via your South Carolina homeowners insurance policy. Get Home Insurance Quotes Today Choosing and deciding upon the best insurance and home insurance rate can seem overwhelming and complex. Insurance Geek is there to help you choose the best South Carolina insurance products. This page will lead you to fill out a form to get a quote. It’s a quick and painless experience, and you’ll only have to do it once. We’ll ask you to provide some basic information, such as your ZIP code and address. After you do that, we’ll generate real-time quotes from insurance companies for you. We’ll also gladly talk through your situation with you and do everything we can to get the best quotes and tools to aid you in your specific needs. There aren’t any tricks or shams involved with the quotes that you’ll get with us. We work according to the “What you see is what you get” principle because we are closely involved with companies that provide us with real-time information. With us at Insurance Geek, you get to decide for yourself. This means that there are no commitments stored in the back for you to be surprised with. We ask you for information that is insurance-required in order to link you to the best possible service for you. The companies that we trust with homeowners insurance are Nationwide, Safeco and Progressive. Based on our experience, the deals that they provide are not only affordable, but also available in all states, and they don’t go over the average cost of insurance services. Plus, they have excellent offers for life and auto insurance. Can I Get a Discount? Your discounts are dependent on your specific situation, so it always makes sense to check with your friendly Insurance Geek who can help you figure out what’s best for you. One of the options to get discounts is to combine policies (e.g., home + auto insurance). So much can factor into what your premiums will end up at, so it’s best to speak with an agent you trust. Check out Our Pricing Tool! We LOVE our pricing tool for its convenience, flexibility, and ability to get you the homeowners insurance that you’re looking for. Our app works with carriers to assist in bringing you the best South Carolina homeowners insurance quotes out there. We’re looking forward to showing you how it all works! Do You Need Homeowners Insurance? Whether you’re an existing or a new homeowner, you should plan on having insurance. Firstly, your mortgage lender may require you to have homeowners coverage. But even if that’s not the case, there are many more reasons you need it. Having homeowners insurance in South Carolina can not just save you a lot of money on unexpected costs but also buy you peace of mind. Current homeowners may decide to upgrade their existing conditions if their housing needs change, if credit scores change or if there’s a better deal afoot. Top Cities & Metro Suburbs in South Carolina for Homeowners The average annual cost of insurance in South Carolina is fluid and varies with locations. Our customers come from places all around South Carolina: - North Charleston - Rock Hill - Mount Pleasant Note that average homeowners insurance may be a little cheaper in the suburbs, depending on some of the deciding South Carolina homeowners insurance factors we mention above. Here are some of the top suburbs in South Carolina to consider if you’re looking to relocate somewhere smaller: - Five Forks - Tega City - Seven Oaks - Forest Acres - Lake Wylie - Isle of Palms - Fort Mill - Goose Creek In the whole of South Carolina, we offer home insurance through Nationwide, Safeco, and Progressive at competitive rates. What Does Home Coverage Include? Before deciding upon specific home insurance as well as a home insurance company of your preference, it is wise to learn more about the home insurance coverage options. Homeowners insurance in South Carolina and insurance policies can be complex. To save you some time, we’ve broken them down for your ease of understanding. What are the most common coverage types, and how do they work? Let’s see: Coverage A – Dwelling Amount Should anything happen to your property, dwelling coverage is there so that you would be able to file a claim that can cover the replacement cost of the physical structure of your home. Natural disasters such as earthquakes, tornadoes, hail, and fire cause the most common property damages. This part of your home insurance policy coverage specifically insures your home against it. The factors that affect the assessment of dwelling coverage are materials and age. Basically, it boils down to the cost of your home and how much it would take to rebuild it should the need arise. Coverage B – Separate Structures The dwelling portion of your insurance doesn’t automatically count in separate structures. The physically detached structures that do not affect the physical structure of your home but are still on your property – such as fences, mailboxes, gazebos – are expensive to replace once they are damaged. To have the best homeowners insurance, better include them sooner than later cause, like all structures, they are vulnerable and damage-prone. Coverage C – Personal Property Homeowners insurance companies can include a policy to protect and insure your personal possessions, too, not just your home! Your personal property items are things that aren’t included in the construction of your home. Be it clothes, appliances, furniture, or precious heirloom, all of these are vulnerable and prone to damage. Special variants of this policy coverage can be designed in order to protect any valuable art or antique jewelry in your possession as well. An insurance company may offer different options for this sphere. Our agents and customer service can direct you to their differences. For example, Nationwide has a “Valuable Plus” deal that can include this option while Safeco is there with their “Valuable Articles Coverage.” Progressive also allows you to get additional coverage for the most valuable items. Coverage D – Loss of Use If your home becomes uninhabitable over a certain period of time, the loss of use insurance coverage portion of your homeowners insurance policy can aid you in these times. Be it fumigation, repairs, remodeling, or damage done to your property that renders it non-functional for a while, you’ll be able to afford and cover: - Rental living premises - Food and restaurant bills - Laundry expenses And much more. No matter the ZIP code, your insurance company is there to look out for you. You’ll be asked to provide proof of your (higher) expenses that naturally occur in these situations, and your insurance provider will assess them. Coverage E – Personal liability This type of coverage is there to protect you and your family against accidents that might happen. More precisely, against those accidents that you are found liable for. Should a situation arise and you injure someone or inadvertently damage someone’s personal belongings, a claim can be filed and processed under this coverage and it will cover the costs of defense. Coverage F – Medical Payments This portion of your home coverage includes medical payments, and in nature, it’s similar to the previously mentioned personal liability coverage. So, should any unfortunate event occur, the medical payments coverage will cover the medical care bills. What Does a Home Insurance Policy not Include? One of the coverages that are not included in your homeowners insurance is flood insurance, and it is usually issued separately through the National Flood Insurance Program. Albeit flood insurance isn’t a part of your standard home insurance, your homeowners insurance company will provide you with an option to protect yourself against water damage. Safeco, Nationwide, and Progressive will defray costs that arise as a result of sewer and drain backups or a Sump Pump failure. Much like flood insurance, car insurance isn’t included in your standard package home insurance provided by insurance companies in South Carolina. This is something that you want to include as your vehicle is not just one of your most valuable assets but also as exposed to risks as your property may be. Make sure to consult an agent and include auto insurance, too. What’s more to love about car insurance is the fact that it is easy to combine into bundles in order to get discounts. Make sure to capitalize on car insurance to both secure your vehicle and cash on discounts! Homeowners Insurance in South Carolina: FAQ Q: What is the average cost of homeowners insurance in South Carolina? A: The average annual homeowners insurance in South Carolina, according to the Insurance information institute, is about $2,300. The average cost of South Carolina home insurance is such because coastal states are prone to hurricanes and other natural disasters, so it exceeds the average annual cost. However, with our assistance, home insurance in South Carolina can come at better rates and with great customer service. Q: Who has the best homeowner insurance? A: The best homeowners insurance in South Carolina is offered by Nationwide, Safeco, and Progressive. What sets them apart from other companies that handle home insurance in South Carolina is their exemplary customer service as well as excellent home insurance Rates. To protect your home and have the best insurance rates in South Carolina, you cannot go wrong with either of the companies! Your lender may require you to have insurance, but you should get it first and foremost because the protection it offers is invaluable. To score the best home insurance in South Carolina as well as great insurance rates that comply with the budgets of various clients, know that you are in the right place. Insurance Geek works to secure you the best rates in South Carolina. Give us your ZIP code and watch us do the magic for you with as little hassle as possible!

https://www.insurancegeek.com/insurance/homeowners/south-carolina/

It is vital to integrate technology into the dynamic landscape of health care insurance to ensure efficiency, productivity and overall customer satisfaction. Remarkable transformations are occurring in the ever-evolving field with the advent of new technological tools that reduced human error in a remarkable way. Technology is making a significant impact on insurance verification, a process which is essential for healthcare providers as well as insurance companies. This process ensures that accurate information is obtained to facilitate seamless billing and claims processing. Health insurance verification software and tools have emerged as pivotal components in streamlining administrative tasks, reducing errors, and enhancing the overall efficiency of healthcare operations. Insurance eligibility verification companies utilize the latest software solutions for insurance eligibility checks so that their client healthcare providers receive accurate reimbursement for the services they provide to patients. Simplify your insurance verification services and receive optimized reimbursement! Contact us today: We are available at (800) 670-2809 Innovations in Technology for Insurance Verification in Healthcare The healthcare sector is experiencing unprecedented levels of efficiency, convenience and accessibility with increasing use of the latest technological innovations. The right use of technology ensures streamlined processes, reduced costs, and enhanced customer experience. With increasing use of cloud platforms and related services, Big Data, Ai and Machine Learning are also bound to witness increasing significance. So, what are the most recent technologies that are proving to be highly beneficial for healthcare providers, insurance companies, and insurance verification agencies? AI tools help automate insurance verification services and this helps to avoid the long waiting time required during the manual verification process. This in turn helps process more files in less time and enhance patient satisfaction. The documentation process is error-free, and systematic, automated verification processes also help reduce additional costs. Let us look at the possibilities offered by innovative technology for health insurance eligibility verification. Interested in learning more? Explore Insurance Verification Software and Tools here. Software Solutions for Insurance Eligibility Checks AI software tools can analyze patient records to determine whether they are eligible for insurance coverage at the point of time they make the claim. AI tools will scrutinize the intricacies of policy guidelines and conduct a thorough evaluation of the medial records. Real-time Eligibility Verification AI tools facilitate real-time eligibility verification of details provided in the EHR. Diagnosis, previous conditions, medical history, medical prescriptions, and so on can be accessed and verified easily. AI tools can identify whether any prescribed medical procedures require pre-authorization. This can reduce delays in the fund delivery and streamline the overall process. Providers can instantly verify a patient’s insurance coverage, deductible status, and co-payment details. This not only accelerates the billing process but also minimizes claim denials. Want to learn more? Click the link to explore Electronic Health Records and Insurance Verification Systems. Integration with the Electronic Health Record Seamless integration between insurance verification systems and Electronic Health Records (EHRs) has become essential for comprehensive patient care. By combining insurance information with medical records, healthcare providers can ensure that services rendered are accurately reflected in the billing process. Ensures Enhanced Accuracy Advancements in technology for medical billing and insurance verification services have resulted in the production of more accurate data. AI tools can classify and categorize documents and identify crucial billing information. Having this information in the required format improves data accountability. The technological advancements implemented in the health care insurance sector have made it easy for patients to review their insurance plans. With the help of user-friendly technology, patients can easily access, review, update and monitor the status of their healthcare policies. Vital information can be communicated easily and this results in a drastic reduction of manual administrative work. Enrolling to schemes can be done virtually cutting the paper work, and required documents can be submitted online. Blockchain, by eliminating the role of an authority, secures and manages valid data. Block chain facilitates secure and accessible storage for patient’s personal health information and payment details. Blockchain eliminates the role of a “middle-man” provides a transparent and secure atmosphere for the patient. By the elimination of data transfer and analysis through multiple stakeholders, blockchain ensures timely services. Advancements in technology for medical billing and insurance verification has paved the way for calculated risk predictions and assessment. AI tools can analyze the provided information and observe patterns by scrutinizing similar information in its database. This analytical output is used to make risk predictions and to anticipate the trend in the industry. High-value claims are identified easily and prioritized. Advanced AI tools analyze patient files and predict patient outcomes to design premiums accordingly. Technological integration has moved beyond the limitations of using a single device; mobile applications that can ensure a smooth delivery of insurance services are available. Services can be availed without any spatial or temporal constraints. These applications use a simple user interface to guarantee hassle-free service to the user. Personalized Healthcare Programs Utilizing the insights provided by AI tools after analyzing EHRs, insurers, with the help of advanced AI software can design and offer personalized healthcare programs. Customized preventive care plans can be offered to improve the overall healthcare. Electronic Fund Transfer EFT facilitates a smooth and fast transfer of funds into the account of health insurance providers. Fast delivery of services is ensured and delays associated with paperwork are eliminated. Use the Right Technology for Insurance Eligibility Verification Choosing the right technology for medical insurance verification is vital as there are arrays of technological advancements which are occurring swiftly and often. The right technology can offer reliable solutions; some of the solutions offered through technological interactions are illustrated below. Automated Verification Process Advanced AI chat bots facilitate a smooth navigation through various steps of the insurance verification process. AI-driven bots swiftly scan and verify the relevant documents and channelize the process in the right pace. Intelligent document processing that uses OCR, deep learning and Machine Learning can save a remarkable amount of time and improve accuracy of the documents verified. Natural Language Processing aids in extracting important information from the documents verified, and helps to convert the extracted text into the required format. Application of NLP can create structured data from unstructured data sources. This process, by analyzing the discrepancies in medical documents, prevents fraudulent activities and false claims. Real-time Verification during Hospital Visits Advanced software is used to incorporate real-time verification in the insurance verification process. Validity and eligibility of the insurance coverage can be analyzed during the time of hospital visit itself. This can prevent unauthorized claims and will ensure that only eligible patients are availing the service. Application Programming Interfaces are used by the insurers to conduct real time verification and ensure a smooth flow of data between the stakeholders. Instant Communication and Feedback As the bots are equipped to analyze and rectify documents efficiently, communication regarding the processes will be clear, concise and instant. The chat bots can provide instant replies to the queries and offer impeccable support throughout the process. This advanced information exchange can assure timely processing of the claim. Along with providing instant communication and feedback, automated notifications are sent to the policyholders. Information regarding coverage changes, premium plans and policy renewals are sent to the policy holders regularly. By utilizing cloud storage and other means of secure storage facilities, technological integration can ensure the safety and security of data. An advanced storage facility ensures smooth access and facilitates a safe environment to share it securely with stakeholders involved. Encryption algorithms are used while sharing sensitive information like patient case files, health records, billing details, etc. This will ensure the safety of data while transferring. To strengthen the encryption measures and ensure safe data transfer, SSL and TLS protocols can be utilized. By utilizing advanced authentication measures, policy holders and insurers can ensure safety and security of sensitive information. AI tools use electronic signature system to authenticate information related to policies. To ensure that an individual is getting access only to the necessary files, Role-Based Access Control (RBAS) can be implemented. RBAS will ensure that individuals are getting access to the files that are necessary for their purposes and access to other files is denied. Privacy and data security for verifying insurance details is ensured through proper implementation of RBAS. AI-assisted verification avoids erratic reimbursement requests for medical services that are not covered in the insurance policy. AI tools identify the trends and patterns in claims and devise an appropriate reimbursement scheme. The insurer can allocate the resources efficiently and save more time by reducing delays. AI-powered online tracking systems are utilized to assess the progress of claim. This can reduce the number of queries and make the insurer more accountable and transparent. Denials of claims are scrutinized by AI tools and the automated denial management system paves the way for smooth resubmission measures. Steps required to ensure re-approval will be initiated by the AI tools. Healthcare Regulations Compliance With the new changes in technology, new ethical guidelines and regulations are updated frequently. Automated adherence to these guidelines ensures that the policy mandates are regularly updated. To ensure that the policy mandates are in accordance with the regulations implemented, databases containing updated guidelines are integrated with the insurance systems and regular automated analysis is conducted to check compliance. This integration is also utilized to conduct automated audits. Automated audits will verify the databases and ensure compliance with the current framework. Along with ensuring compliance with regulatory frameworks, AI tools can generate automated compliance reports and reviews for regulatory bodies. This will reduce the amount of administrative work from the insurer’s side and ensure that only relevant data without any errors are being transferred. AI tools equipped with deep learning and Machine Learning technology can enable the software to update itself by learning new patterns and can devise new security measures against evolving fraudulent activities. AI tools can verify databases that record previous fraudulent activities and insurers will be provided details regarding repetitive offenders and common suspicious activities. Protective measures can be taken in advance and this will ensure overall data security. By integrating biometrics in data collection, fraudulent activities by means of identity fraud can be prevented. By integrating geospatial analysis, claims made from locations where the patient is not present can be identified and fraudulent activities prevented. Fraudulent or unfair activities conducted by the hospitals can also be detected with the help of advanced software. AI tools are equipped to read financial documents and can categorize the contents efficiently. Patterns that reflect possibilities of unbundling, upcoding and excessive billing will be traced by the AI tools and this will prevent unfair billing practices. Want to learn more about our insurance Call (800)670-2809 to speak to one of our Solutions Managers. Integrating Technology for Insurance Verification with the Best Benefits Insurance verification services now make use of artificial intelligence to enhance the service experience. Integration with artificial intelligence tools has resulted in a remarkable reduction of human errors, reduced paperwork, accentuated overall claim services, and optimized the overall functioning of health care services. With optimized flow of information, catalyzed by technological integration, there is smooth and transparent connectivity between healthcare providers and insurance companies. Accuracy of data, timely services, and eligibility assessment have gained new dimensions in insurance verification services. The scope of technological integration is not limited to the realm of service delivery; it has also revolutionized the grievance redressal mechanisms that are vital to health care insurance services. Concerns related to claim denials, unbundling, upcoding and excessive billing are properly handled by AI-powered chat bots.

https://www.outsourcestrategies.com/resources/technology-integration-insurance-verification/

On July 6, 2020, the Risk Management Agency (RMA) published Final Agency Determination: FAD-298, interpreting the preamble and section 14(i) of the Common Crop Insurance Policy Basic Provisions (Basic Provisions). https://www.rma.usda.gov/Policy-and-Procedure/Final-Agency-Determinations/Preamble-14i-FAD-298. The requestor quoted the preamble and section 14(i) of the Basic Provisions relating the the use of loss adjustment procedures approved by RMA in the adjustment of any claim. The requestor interprets the policy provisions to mean that the loss adjustment procedures established by the RMA in the Loss Adjustment Manual (LAM) and a crop’s Loss Adjustment Standards Handbook (LASH) are part of the contract between the approved insurance provider (AIP) and the policyholder as established by the Basic Provisions. Therefore, if an AIP, or its employees, fail to comply with the loss adjustment procedures specified in either the LAM or a crop LASH, the AIP has breached the contract between the policyholder and the AIP. RMA stated that it agrees that procedures established by FCIC in the LAM and the Apple LASH are part of the contract between the AIP and the policyholder. RMA stated the definitions of “contract” and “policy” contained in the Basic Provisions and referenced in the preamble are an agreement between the policyholder and the AIP. RMA also stated that, in FAD-249, published on RMA’s website on December 2, 2015, the preamble and section 14(i) of the Basic Provisions are codified in the Code of Federal Regulations and have the force of law. RMA states that the AIP must service a crop policy, including the adjustment of claims arising thereunder, in accordance with the terms of the Basic Provisions, Crop Provisions, and the procedural guidance promulgated by the FCIC. ANALYSIS – There is no question that policies are required to adjusted in accordance with the procedures approved by RMA. However, RMA and the requestor goes farther and suggests that the loss adjustment procedures are part of the contract/policy. However, the definition of “contract” and “policy” enumerates the documents that comprise the policy but they never reference the loss adjustment or any other procedures. It is not the policy that creates the obligation on the AIP to apply the loss adjustment procedures approved by RMA, it is the Standard Reinsurance Agreement (SRA), which is a separate contract and one in which the policyholder is not a a party. The Basic Provisions just informs the policyholder that the AIP are required to use the loss adjustment procedures approved by RMA. Bottom line, the obligation to adjust any claim in accordance with RMA approved loss adjustment procedures is a contractual requirement and failure to act in accordance with that obligation could allow a cause of action by the policyholder against the AIP. However, by definition, the provisions of the LAM and LASH themselves are not part of the policy. All statements made are opinions of the author and are not intended to provide legal opinions or legal advice.

http://arrigoriskconsulting.com/blog/crop-insurance-news-and-analysis-july-6-2020-final-agency-determination-fad-298/

Hero Police Officers, Firefighters rescue woman from burning Lacey, NJ home It was purely coincidental but somewhat poetic that on National Law Enforcement Appreciation day (Sunday), we heard of a story of heroism and just one example of why it's important to show our appreciation and gratitude for the men and women in blue -- as well as firefighters and EMTs. This story takes place in the Barnegat Pines section of Lacey Township, with information from separate statements issued by Lacey Police and the Forked River Fire Department. On Sunday, around 6:02 am, Lacey Police and several fire companies including the Forked River Fire Department and Lanoka Harbor Fire Department arrived to a home on Holly Place to see an active structure fire. A 52-year old disabled woman was found inside on the floor of a room in the back of the kitchen, according to FRFD, and firefighters were able to bring her to safety along with Lacey Police who had forced open the back door. The woman, who is the homeowner and sole occupant, was then brought to Lacey Township EMS and then brought to the hospital for treatment of smoke inhalation. Two Lacey Police Officers were also brought to the hospital for treatment of smoke inhalation. The Forked River and Lanoka Harbor Fire Departments were able to extinguish the fire. Lacey Police said that LTPD Detectives along with the Ocean County Fire Marshal said the fire started in the kitchen, but the cause of the blaze has not yet been determined. In addition to Lacey Police and the Lanoka Harbor and Forked River Fire Departments, the Lanoka Harbor EMS and Bayville Fire Company RIT Team were also on scene. The Lacey Police Officers involved in the rescue were identified by the Asbury Park Press as Noah Schaffer, Alan Abrecht and Scott Anderson. It was a day that shows us how and why first responders from Police to Firefighters to EMT's are our heroes.

https://1057thehawk.com/hero-police-officers-firefighters-rescue-woman-from-burning-lacey-nj-home/

Does credit score affect car insurance? Does credit score affect car insurance rates? Yes. A higher or lower credit score can have a big impact on your insurance rate. Poor credit increases full coverage rates by 86% compared to good credit. How much does your credit score affect your car insurance? In most states, drivers with credit in good standing generally pay much less for car insurance than drivers with a poor credit history. According to 2023 rate data from Quadrant Information Services, drivers with excellent credit pay an average of $1,764 per year for full coverage car insurance. What does your credit score have to do with your insurance? Most insurance companies using credit information will include it as a factor in determining your rate. For example, someone with a relatively high credit score may pay a lower premium than someone with a relatively low credit score. Why do insurance companies look at your credit score? Why do insurance companies use credit information? Some insurance companies have shown that information in a credit report can predict which consumers are likely to file insurance claims. They believe that consumers who are more likely to file claims should pay more for their insurance. What is a good credit score for insurance? Insurance scores range between a low of 200 and a high of 997. Insurance scores of 770 or higher are favorable, and scores of 500 or below are poor. Although rare, there are a few people who have perfect insurance scores. Scores are not permanent and can be affected by different factors. Do insurance companies look at credit score? In most states, insurers can use your credit-based insurance score to determine your premiums. Your credit-based insurance score is not the same as your regular credit score. Can a bad credit score affect your insurance? Insurance companies cite various studies finding that drivers with bad credit are more likely to file claims, which means these drivers pose a higher risk to them and are potentially more expensive to insure. The more risk and cost you pose, the higher your car insurance rates. Does Geico go by credit score? All major car insurance companies — including GEICO, Progressive and State Farm — do a credit check during the quoting process. In fact, credit is one of the major rating factors used by underwriters when determining car insurance rates. What could influence your auto insurance premiums? Some factors that may affect your auto insurance premiums are your car, your driving habits, demographic factors and the coverages, limits and deductibles you choose. These factors may include things such as your age, anti-theft features in your car and your driving record. What is the best car insurance for bad credit? Cheapest car insurance companies for drivers with bad credit Based on our research, Geico, Nationwide, Mercury, Amica and Travelers are some of the cheapest providers for drivers with bad credit. Does Progressive run a credit check? Does Progressive check credit history when my policy renews? In states where it is allowed or required by law, we periodically review policies, including credit history. What is the difference between credit score and insurance score? The scores predict different things. Credit-based insurance scores predict the likelihood that someone will file claims that lead to a loss for the insurance company. Credit scores predict the likelihood that someone will miss a bill payment. What percentage of your credit score is based on new credit? Recent credit activity makes up the final 10%. If you've opened a lot of accounts recently or applied to open accounts, it may suggest potential financial trouble and may lower your score. Credit scoring models are also built to recognize that recent loan activity does not mean a consumer is necessarily risky. Does car insurance check your credit? Most insurers use credit checks to create a credit-based insurance score to help set your rate. Some insurers provide auto insurance with no credit check, which might seem appealing if you have a poor credit history. Does a high credit score help with car insurance? Drivers with poor credit (a credit score under 580) pay 97% more, on average, for full coverage car insurance premiums than do their counterpart drivers with exceptional credit (a credit score above 800), according to a study by Bankrate. What is auto insurance score based on? Auto insurance scores are used by insurance companies to determine your risk of filing a claim. They consider factors such as your driving record, your age, the type of car you drive and your credit score. Credit scores are used by lenders to determine your risk of defaulting on a loan. Do you need a credit score to get insurance? Most auto insurance companies use drivers' credit ratings to determine their prices. Hawaii, California, Washington and Massachusetts are the only states in which a prospective customer's credit score cannot be utilized. What is a decent credit score? Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent. How to raise credit score? - Never miss a bill due date. ... - Keep your balances low. ... - Think twice before closing old cards. ... - Be cautious about new loan applications. ... - Consider a well-rounded credit history. ... - Check your credit report regularly. ... - Dispute any errors you find. What insurance is the cheapest? |Average cost per year for good drivers |Total savings per year compared to average Does State Farm check credit score? Yes, State Farm does use your credit score as a factor when determining your car insurance rates, as do most major insurers. However, credit checks by auto insurers do not harm your credit score and are only done in states where it is legal for your credit score to affect your rates. What credit score does car companies use? FICO is an acronym that stands for: Fair Isaac Corporation, the company that developed the FICO® credit scoring. FICO® credit scores are the auto industry standard for determining a potential buyer's creditworthiness. Does car insurance decrease when car is paid off Geico? Car insurance premiums don't automatically go down when you pay off your car, but you can probably lower your premium by dropping coverage that's no longer required. What determines your insurance premium answers? Many variables factor into the amount that you'll pay, but the main considerations are the level of coverage that you'll receive and personal information such as age and personal information. For car insurance, that could mean age and driving record. What 3 things determines your automobile insurance premium? The type and amount of auto insurance coverage – The limits on your basic auto insurance, the amount of your deductible, and the types and amounts of policy options (such as collision) that are prudent for you to have all affect how much you'll pay for coverage.

https://fimini.online/articles/does-credit-score-affect-car-insurance

Swimming Pool Maintenance And Service Insurance Policy Information Swimming Pool Maintenance And Service Insurance. Pool service companies provide service, maintenance and repair services. As the owner and operator of an pool service company, you have a lot of responsibilities on your shoulders. Ensuring day-to-day operations are running smoothly, stocking the storing a wide range of products and tools, overseeing your staff, and making sure that the needs of your clients are met; there's a lot that you have to attend to. Despite your best efforts to ensure that the various components of your business are running smoothly, all it takes is one slip-up or an unplanned for event and you could be in serious trouble. Pool cleaning service insurance can help cover costs if an employee gets into an accident while driving to a client's home, or if a client trips over the pool cleaning net and gets hurt. To protect yourself from oversights and the unexpected, having the right type of swimming pool maintenance and service insurance is essential. Swimming pool maintenance and service insurance protects your business from lawsuits with rates as low as $29/mo. Get a fast quote and your certificate of insurance now. Below are some answers to commonly asked swimming pool maintenance and service insurance questions: - What Is Swimming Pool Service Insurance? - How Much Does Swimming Pool Service Insurance Cost? - Why Do Swimming Pool Maintenance Services Need Insurance? - What Type Of Insurance Do Swimming Pool Service Businesses Need? - What Are Swimming Pool Maintenance And Service Risks & Exposures? - What Does Swimming Pool Maintenance And Service Insurance Cover & Pay For? What Is Swimming Pool Service Insurance? Swimming pool service insurance is a type of insurance designed specifically for businesses that provide maintenance and repair services for swimming pools. It typically includes coverage for things like property damage, liability for injuries or accidents, and loss of income in the event of a disruption to the business due to a covered event. It may also include coverage for specialized equipment and tools used in the pool service industry. This insurance can protect the pool service business from financial loss and help them to continue to operate in the event of a covered incident. How Much Does Swimming Pool Service Insurance Cost? The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small swimming pool service companies ranges from $29 to $47 per month based on location, services offered, payroll, sales and experience. Why Do Swimming Pool Maintenance And Services Need Insurance? Swimming pool maintenance services need insurance for a variety of reasons. Firstly, it helps to protect the business in case of any unforeseen accidents or injuries that may occur while the maintenance team is working. For example, if a team member accidentally slips and falls while cleaning the pool, the insurance can cover any medical expenses and potential legal fees. Additionally, insurance can also protect the business from any damages that may occur to the pool itself. If a chemical imbalance or mechanical issue causes damage to the pool, the swimming pool maintenance and service insurance can cover the costs of repairs. Furthermore, having insurance can also provide peace of mind for the business owner and the team, knowing that they are protected in case of any unexpected events. It allows them to focus on providing top-quality maintenance services without the added stress of worrying about potential risks. In summary, swimming pool maintenance services need insurance to protect the business and its employees from potential accidents and damages, as well as to provide peace of mind and allow the team to focus on their work. What Type Of Insurance Do Swimming Pool Service Businesses Need? There are several types of swimming pool maintenance and service insurance coverage that pool service providers should carry. The specific types of policies you should have in place will depend on the unique nature of your business; however, there are certain forms of coverage that operators of all swimming pool service companies should have, including: - General Liability - This policy protects you from third-party injury and property damage claims, as well as formal lawsuits that may be filed against you. It provides coverage for any financial liabilities, as well as the expenses that are associated with any legal defense that you might need. For example, if someone other than an employee gets hurt at your store and files a lawsuit against you, or if an employee uses the wrong chemicals and damages a client's property, business liability insurance would pay for the damages and legal fees. - Completed Operations - If a client's property is damaged or someone sustains an injury as a result of the services you provide, even after the services have been delivered, you are still liable. For instance, if a high concentration of chemicals damages the lining of a pool you treated, you would be responsible for any damages. Completed operations insurance covers the costs of expenses that are associated with damages and injuries related to services you provided after those services were delivered. - Commercial Property - A massive windstorm could send a tree crushing down on top of your store, or a vandal could spray paint graffiti or smash the windows of your commercial space. When situations like these arise, commercial property damage will protect you from the financial losses that are incurred. This policy covers the physical structure of your commercial space as well as the contents within it from acts of nature, vandalism, and theft. - Workers Compensation - If an employee gets injured on the job or suffers a work-related illness, you're responsible for any necessary medical care, as well as wages that he or she may lose. Workers' compensation coverage will cover these expenses so you don't have to pay for them out of your own pocket. What Are Swimming Pool Maintenance And Service Risks & Exposures Premises liability exposure at the pool maintenance co. premises may be limited due to lack of public access. If there is a showroom or retail sales of pool supplies, customers may slip and fall over displays. Equipment stored in an open yard may present an attractive nuisance. The storage of flammable chemicals presents a property damage exposure to neighboring buildings. Workers compensation exposure - back injuries, hernias, sprains and strains can be caused by lifting or moving pool supplies. Work at heights, cuts, abrasions and eye injuries can occur. Exposure to pool chemicals can result in burns, eye irritation, or inhalation damage to lungs. Property exposure at the companies' own location may be limited to those of an office and storage of materials, equipment, and vehicles. Some pool service companies have a small display area while others display above ground pools and a variety of pool related products available for retail purchase. Any flammable pool chemicals must be properly labeled, separated, and stored in approved containers, cabinets, and rooms as the introduction of even a small amount of water to certain dry chemicals can trigger an explosion. Property stored outside may be a target for vandalism. Crime exposure are from employee dishonesty and money and securities. Background checks, including criminal history, should be obtained on each employee prior to hiring. Ordering, billing, and disbursement should be handled as separate duties with reconciliations occurring regularly. There should be appropriate procedures in place when employees accept payments off site. Audits, including inventory, should be conducted at least annually. Business auto exposure - drivers must be experienced and aware of the cautions necessary in transporting pool chemicals to prevent overturn and damaging other vehicles or property. All drivers must be well trained and have valid licenses for the type of vehicle being driven. MVRs must be run on a regular basis. Random drug and alcohol testing should be conducted. Vehicles must be well maintained with records kept in a central location. What Does Swimming Pool Maintenance And Service Insurance Cover & Pay For? Swimming pool maintenance services can be sued for various reasons, such as: Accidents or injuries: If someone is injured or suffers an accident while using the swimming pool, they may sue the maintenance service for negligence or failure to maintain a safe environment. Insurance protection: A general liability insurance policy can protect swimming pool maintenance services from lawsuits related to injuries or accidents. The insurance can help pay for legal defense costs, settlements, or judgments. Property damage: If the swimming pool maintenance service damages someone's property, they may be sued for compensation. Insurance protection: General liability insurance can also cover property damage claims against swimming pool maintenance services. The insurance can pay for the costs of repairing or replacing damaged property. Breach of contract: If the maintenance service fails to fulfill the terms of a contract with a customer, they may be sued for breach of contract. Insurance protection: Errors and omissions insurance (also known as professional liability insurance) can protect swimming pool maintenance services from lawsuits related to breach of contract or other professional mistakes. The insurance can pay for legal defense costs and settlements. Pollution or environmental damage: Swimming pool maintenance services that use chemicals or cleaning products may accidentally cause pollution or environmental damage. Insurance protection: Environmental liability insurance can help protect swimming pool maintenance services from lawsuits related to pollution or environmental damage. The insurance can pay for the costs of cleaning up the pollution or environmental damage and any legal expenses associated with the lawsuit. In summary, swimming pool maintenance services can be sued for various reasons, but insurance can provide protection by helping to pay for legal defense costs, settlements, or judgments. It is important for swimming pool maintenance services to have adequate insurance coverage to protect their business and finances in the event of a lawsuit. Commercial Insurance And Business Industry Classification - SIC CODE: 1799: Special Trade Contractors, Not Elsewhere Classified - NAICS CODE: 238990 All Other Specialty Trade Contractors - Suggested Workers Compensation Code(s): 9014 Janitorial Services by Contractors - No Window Cleaning Above Ground Level & Drivers Description for 1799: Special Trade Contractors, Not Elsewhere Classified Division C: Construction | Major Group 17: Construction Special Trade Contractors | Industry Group 179: Miscellaneous Special Trade Contractors 1799 Special Trade Contractors, Not Elsewhere Classified: Special trade contractors primarily engaged in construction work, not elsewhere classified, such as construction of swimming pools and fences, erection and installation of ornamental metal work, house moving, shoring work, waterproofing, dampproofing, fireproofing, sandblasting, and steam cleaning of building exteriors. - Antenna installation, except household type-contractors - Artificial turf installation-contractors - Awning installation-contractors - Bath tub refinishing-contractors - Boring for building construction-contractors - Bowling alley installation and service-contractors - Cable splicing service, nonelectrical-contractors - Caulking (construction)-contractors - Cleaning building exteriors-contractors - Cleaning new buildings after construction-contractors - Coating of concrete structures with plastics-contractors - Core drilling for building construction-contractors - Counter top installation-contractors - Dampproofing buildings-contractors - Diamond drilling for building construction-contractors - Epoxy application-contractors - Erection and dismantling of forms for poured concrete-contractors - Fence construction-contractors - Fire escape installation-contractors - Fireproofing buildings-contractors - Forms for poured concrete, erection and dismantling-contractors - Gas leakage detection-contractors - Gasoline pump installation-contractors - Glazing of concrete surfaces-contractors - Grave excavation-contractors - House moving-contractors - Insulation of pipes and boilers-contractors - Lead burning-contractors - Lightning conductor erection-contractors - Mobile home site setup and tie down-contractors - Ornamental metalwork-contractors - Paint and wallpaper stripping-contractors - Plastics wall tile installation-contractors - Posthole digging-contractors - Sandblasting of building exteriors-contractors - Scaffolding construction-contractors - Service and repair of broadcasting stations-contractors - Service station equipment installation, maintenance, and repair- - Shoring and underpinning work-contractors - Spectator seating installation-contractors - Steam cleaning of building exteriors-contractors - Swimming pool construction-contractors - Television and radio stations, service and repair of-contractors - Test boring for construction-contractors - Tile installation, wall: plastics-contractors - Tinting glass-contractors - Wallpaper removal-contractors - Weather stripping-contractors - Welding contractors, operating at site of construction - Window shade installation-contractors Swimming Pool Maintenance And Service Insurance - The Bottom Line To find out more about other swimming pool maintenance and service insurance policies you may need - and the amount of coverage you should carry, consult with an agent that specializes in commercial business insurance. Additional Resources For Contractors & Home Improvement Insurance Learn about small business contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your contracting business from lawsuits. - Air Conditioning Systems Installation Repair - Appliance Repair & Service - Blacksmith & Metal Workers - Boat Repair & Dry Docks - Boiler Contractors - Builders Risk - Building Cleaning & Maintenance Services - Cabinet Installer - Cable And Satellite TV Installer - Chimney Sweep - Cistern Contractors - Contractor Liability - Curtain Cleaners - Deck Builders - Door And Window Installers - Dryer Vent Cleaning - Drywall Contractor - Electrical Contractors - Environmental Remediation Contractors - Fence Installation - Fire Sprinkler Contractors - Fire & Water Restoration Contractors - Flooring Contractor - Furniture Repair - Garage Door Installer And Repair - General Contractors - Glass Contractor - Glazier Insurance - Gutter Installation And Repair - House Cleaning - HVAC Contractor - Insulation Contractor - Janitorial Cleaning Services - Lawn Care - Lawn Irrigation Sprinkler System Installation - Oil And Gas Well Drilling Contractors - Paperhanging Contractors - Plastering And Stucco Contractor - Pressure Washing Contractors - Propane And Fuel Dealers - Rug, Upholstery & Carpet Cleaning - Sandblasting Contractors - Security Alarm - Septic Tank Cleaning - Siding Contractor - Sign Installation & Repair - Solar Panel Installers - Snow Plow - Stone And Tile Installer - Surety Bonds - Swimming Pool Contractor - Swimming Pool Service And Maintenance - Tank Cleaners - Tool Grinding And Repair - Tree Surgeon - Tree Trimming - Upholstery Shop - Waste Haulers & Garbage Collection - Water Well Drilling - Welding Contractor - Wildlife & Pest Control - Window Cleaning - Specialty Contractors The contracting industry is a field that involves a lot of risks, both for the contractor and for the clients they work for. This is why commercial insurance is so important for contractors. Insurance can protect contractors from a variety of potential losses, such as: Liability: If a contractor causes damage to a client's property or if a client is injured while on a job site, the contractor could be held legally responsible. Liability insurance can cover legal fees and any settlements or judgments that may be awarded. Property damage: Contractors often use a lot of expensive equipment and tools, and there is always a risk that this equipment could be damaged or stolen. Commercial property insurance can help cover the cost of replacing damaged or stolen equipment. Business interruption: If a contractor is unable to work due to an unforeseen event, such as a natural disaster, insurance can help cover their lost income during this time. Workers compensation: If a contractor or one of their employees is injured on the job, worker's comp can help cover medical expenses and lost wages. Overall, commercial insurance is an important risk management tool for contractors. It can provide financial protection against a wide range of potential losses, helping contractors to stay in business and continue serving their clients. Minimum recommended small business insurance coverage: Business Personal Property, Employee Dishonesty, Contractors' Equipment and Tools, General Liability, Employee Benefits Liability, Umbrella Liability, Automobile Liability and Physical Damage, Hired and Non-owned Auto & Workers Compensation. Other commercial insurance policies to consider: Building, Business Income with Extra Expense, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivable, Builders Risk, Computers, Goods in Transit, Installation Floater, Valuable Papers and Records, Cyber Liability, Employment-related Practicesand Stop Gap Liability.

https://generalliabilityinsure.com/small-business/swimming-pool-maintenance-service-insurance.html

With our greatest-promoting course Start-a-Business a hundred and one. International insurance premiums grew by 2.7% in inflation-adjusted terms in 2010 to $four.3 trillion, climbing above pre-disaster ranges. The return to development and record premiums generated throughout the 12 months followed two years of decline in real phrases. Life insurance coverage premiums increased by three.2% in 2010 and non-life premiums by 2.1%. Whereas industrialised international locations noticed an increase in premiums of round 1.four%, insurance markets in rising economies noticed rapid enlargement with 11% growth in premium income. The global insurance business was sufficiently capitalised to withstand the monetary disaster of 2008 and 2009 and most insurance coverage companies restored their capital to pre-disaster ranges by the top of 2010. With the continuation of the gradual recovery of the global financial system, it is possible the insurance trade will continue to see growth in premium income each in industrialised nations and rising markets in 2011. Yoga is getting ever more fashionable, which implies yoga instructors are more in demand than ever—making this another of our most bodily rewarding facet business ideas. Link up with a local yoga studio to show nightly classes or provide customized yoga in-home at a better price to pursue this sort of emotional and bodily steadiness with others, during your free time while helping your financial institution stability, too. Belief - Belief is becoming an more and more necessary factor in a web site’s Google rating. That is how Google determines whether you have a legitimate web site that guests can belief. Top-of-the-line ways to improve trust is by constructing high quality backlinks from websites that have authority. Below a “pay on behalf” coverage, the insurance coverage service would defend and pay a declare on behalf of the insured who would not be out of pocket for anything. Most modern liability insurance coverage is written on the idea of “pay on behalf” language which permits the insurance coverage service to manage and control the claim. Typically I would perform a little touchup work, corresponding to a new wooden trim or a coat of paint, occasionally I might contract out an engine repair, and at all times I’d clean them the boats. Like several trading enterprise, you should find out what sells simply and at what value, and what you wish to avoid. Brand identify outboards, specifically Boston Whalers, sold properly for me. Sailboats, then again, took perpetually to maneuver. If you are making an attempt to advertise a web site in regards to the trend trade, for example, you’ll get hyperlinks in articles only from related sources such as StyleCaster and the Business of Vogue. Combine your auto insurance coverage with householders, apartment, or renters, and you would earn a multi-coverage discount.Δ Plus, you will benefit from the convenience of getting all of your policies in a single place. Get a quote now to begin saving. 2. EXCHANGING MODULES – now the inventive a part of discovering a great enterprise idea begins. Let’s have some enjoyable 🂠Now, you wish to find choices for exchanging modules within the current worth chain. Let’s assume you discovered the next modul choices through brain storming, exchanging ideas with industry experts and doing analysis. We are a Florida-based digital advertising and marketing agency celebrating our 22-yr anniversary. We specialize in SEARCH ENGINE MARKETING Advertising and Identity Resolution. Our experience consists of working with large manufacturers and helping small businesses improve inbound lead generation. We will develop backlinks by a mix of 1) outreach to blogs and publications to get your web site featured of their content material 2) writing participating blogs and three) increasing social shares and exposure. Insurance coverage is a way of protection from financial loss. It is a form of threat management , primarily used to hedge towards the risk of a contingent or unsure loss.

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Business leaders, executives, and directors are understandably uneasy about the state of cybersecurity in their companies. Each week, another company’s good name is dragged through mud by the press on news of a cyberattack. Not only do these organizations spend a great deal of hard-earned money responding to the breach, but the long-term impact of brand damage and lost customers is where most companies feel the biggest hurt. - Class-action lawsuits against Equifax will reportedly seek as much as $70 billion in damages, which likely exceeds their cyber insurance coverage levels by several thousand percent. In the days following the disclosure of the data breach, Equifax hemorrhaged over 36% of its market capital. As if that wasn’t enough, the press coverage continued as their CEO was hauled before Congress where he faced a firing squad of lawmakers eager to endlessly alternate between wagging and pointing their fingers, further adding to the negative press. - Deloitte claims that its recent data breach only impacted six clients; however, they are likely to lose at least some of their clients as their brand continues to appear in negative press coverage, especially now that New York’s Attorney General, Eric Schneiderman, probes the breach. - In another emerging trend that is giving many leaders nightmares that would make Pennywise scream, some executives and directors are being personally targeted through derivative shareholder lawsuits arising out of cyber-attacks. Notably, former Yahoo! executives are being personally sued following their mega-breach of three billion accounts. These cases and the many others we hear about each week are forcing organizational leaders to the conclusion that they must do more to demonstrate that the organization as a whole and they as individuals are doing enough to guard against the cyber threat. Organizational Cyber Defenses To do more, they first need a clear understanding of what cyber defenses are in place today and how well they function. But what can and should they do? The AICPA has an answer. Recently published and apparently sparing no words in the title, the AICPA’s “Description Criteria for Management’s Description of the Entity’s Cybersecurity Risk Management Program,” outlines a standard format for organizations to document and communicate information about their cyber defenses to leaders and other stakeholders. The Description Criteria’s standardized format is intended to ease the burden on boards and leaders who may need to review a variety of these cybersecurity risk management program descriptions. If they all look the same, they will be easier to parse. Additionally, the standardized format will allow CPA firms with cybersecurity expertise to efficiently assist management in preparing these descriptions while not re-inventing the wheel with each new engagement. The AICPA recognizes that cybersecurity frameworks, such as the NIST Cybersecurity Framework and CIS Top 20 Controls for Cyber Defense, have proliferated. Different organizations and different industries may use different cybersecurity frameworks to guide their cyber risk management programs. As a result, the AICPA’s new guidance is framework agnostic. It allows organizations to use any framework that is “suitable and available” when describing their cybersecurity risk management program. Some stakeholders, internal or external, may require additional assurances, beyond the description provided by management, that an independent party has evaluated the cybersecurity risk management program. Again, the AICPA has provided guidance that is not dissimilar from the System and Organization Controls (SOC) audits that CPAs have been performing in some form for decades. Like the popular SOC 1 and SOC 2, this new examination level report is called the SOC for Cybersecurity. Like its siblings, it requires a management assertion that the internal controls within the cybersecurity risk management program are operating effectively. The auditor then tests those controls and issues an opinion covering two areas: - That management’s description is presented in accordance with the AICPA’s description criteria - That the controls within the risk management program were effective enough to achieve management’s cybersecurity risk management goals The AICPA has invested heavily in creating the truly forward-thinking Description Criteria and associated assurance products. They recognize that full-service accounting firms have been deeply involved with organizational information technology controls since Sarbanes-Oxley, and that the firms with a strong IT and cyber skillset are well-equipped to meet many of their clients’ cybersecurity needs. As the cyber threat grows, organizational leaders, officers, and directors will be expected to have taken an active role in the cybersecurity of the organizations they control, and the new products developed by the AICPA appear to be an excellent step towards meeting those expectations. Our Risk Advisory Services practice is designed to assist companies with the identification of risks that have a significant impact on their business including financial, operational and compliance risks, and with developing sound, cost effective controls to mitigate those risks. We provide integrated services, including SOC audits and cybersecurity services that help public and private companies to identify and manage their risks. Contact us. Our Risk Advisory Services team can help. About the Author The information contained within this article is provided for informational purposes only and is current as of the date published. Online readers are advised not to act upon this information without seeking the service of a professional accountant, as this article is not a substitute for obtaining accounting, tax, or financial advice from a professional accountant.

https://keitertechnologies.com/blog/soc-for-cybersecurity-answer-to-leaderships-cybersecurity-responsibilities/

Highgate station was forced to close earlier today (May 2) after a fire broke out beside the site in north London at around 3pm. Images show a large flame and thick smoke in the surrounding areas, with the London Fire Brigade (LFB) confirming in a later report that the 999 control officers had received 25 calls about the incident. What do we know about the fire at Highgate Station so far? Firefighters were called to the scene on Archway Road at 3:01pm. According to the LFB report, six fire engines and around 40 firefighters from crews in Kentish Town, Hornsey, Holloway, West Hampstead and Finchley arrived to Highgate station and had the fire under control by 4:13pm. The LFB confirmed that the building in question was ‘derelict’ and half of the first floor has suffered damage, with the cause of the fire currently being investigated. At 4:24pm this afternoon, the LFB tweeted that the fire in the building beside Highgate Station was ‘under control’, though they confirmed that the Underground station was still closed, and people are still being advised to avoid the area where possible. TfL has also advised passengers to avoid Highgate Station and re-plan their journey where needed. There have been no reports of any injuries as a result of the fire. This is a breaking news story and this article will be updated with further information as it develops.

https://secretldn.com/fire-highgate-station/

Car Insurance Myths Debunked: Separating Fact from Fiction Car insurance is a topic that affects millions of people across the globe. It’s essential for protecting both your assets and your well-being on the road. However, many myths and misconceptions swirl around the world of auto insurance, which can lead to confusion and even costly mistakes. In this article, we will debunk 15 common car insurance myths and separate fact from fiction. Myth 1: Red Cars Cost More to Insure The color of your car has no impact on your insurance premium. Insurance companies base their rates on factors like your driving history, location, and the make and model of your vehicle. The idea that red cars are more expensive to insure is purely a myth. Myth 2: Minimum Coverage is Sufficient Minimum coverage might meet your state’s legal requirements, but it often falls short in providing adequate protection. It’s essential to consider your personal circumstances and potential risks. Investing in more extensive coverage can save you from financial disaster in the event of a severe accident. Myth 3: Your Credit Score Doesn’t Affect Premiums Your credit score can significantly impact your insurance premiums. Insurers use it to assess risk. People with lower credit scores tend to pay higher premiums. Maintaining a good credit score can lead to more affordable insurance rates. Myth 4: You Only Need Auto Insurance if You Drive Often Even if you don’t drive your car frequently, it’s crucial to have insurance. Accidents can happen at any time, even when your car is parked. Additionally, auto insurance often covers theft, vandalism, and other non-driving-related incidents. Myth 5: Personal Auto Insurance Covers Business Use Personal auto insurance typically excludes coverage for business use. If you use your car for work-related activities, you should consider a commercial auto insurance policy to ensure you’re protected in case of accidents during business operations. Myth 6: Your Insurance Follows You to Any Car You Drive Insurance policies are typically tied to a specific vehicle rather than the driver. If you drive someone else’s car and get into an accident, their insurance will likely be the primary coverage. Your insurance may provide secondary coverage, but it varies based on the policy. Myth 7: You Don’t Need Insurance for Stolen Items Most auto insurance policies do not cover stolen personal items inside your car. To protect your belongings, consider renter’s or homeowner’s insurance. These policies often include coverage for stolen items, even when they’re not in your home. Myth 8: Full Coverage Means Everything is Covered “Full coverage” is a term often used to describe a combination of liability, collision, and comprehensive coverage. It doesn’t mean that every possible scenario is covered. There are still limitations and exclusions in your policy, so it’s essential to understand the specifics. Myth 9: Your Insurance Will Cover Mechanical Failures Car insurance is not a warranty for mechanical issues. If your car breaks down due to wear and tear or mechanical failures, your insurance won’t cover the repairs. Mechanical breakdown coverage is available as an add-on option in some policies. Myth 10: Your Insurance Covers Intentional Accidents Insurance is designed to protect against accidental or unexpected events. Deliberate acts, such as intentionally crashing your car, are not covered by insurance. You can face legal consequences in addition to not receiving insurance benefits. Myth 11: Insurance Covers Personal Belongings Inside Your Car Personal belongings, like laptops or smartphones, are generally not covered by your auto insurance. Instead, consider separate personal property insurance or rely on your renter’s or homeowner’s insurance for such coverage. Myth 12: Premiums Always Increase After an Accident While at-fault accidents can lead to increased premiums, it’s not a universal rule. Some insurance companies offer accident forgiveness programs or only raise rates for severe accidents. It’s essential to discuss the specifics with your insurer. Myth 13: Your Insurance Will Cover Your Car’s Market Value Auto insurance typically covers your car’s actual cash value, which accounts for depreciation. If your car is older, the payout may not cover the full replacement cost. Consider gap insurance if you want to bridge this financial gap. Myth 14: Cheaper Cars Are Cheaper to Insure While cheaper cars often have lower insurance premiums, it’s not a strict rule. Factors like safety features, repair costs, and theft rates also influence insurance rates. It’s essential to research the specific vehicle you plan to buy and its associated insurance costs. Myth 15: You Don’t Need Car Insurance if You Have Health Insurance Health insurance covers medical expenses, but it doesn’t cover property damage or liability resulting from a car accident. Car insurance is essential to protect you and others involved in an accident, even if you have health coverage. Debunking these car insurance myths is crucial for making informed decisions about your coverage. The world of auto insurance can be complex, but understanding the facts from the fiction can help you save money and ensure you have the protection you need on the road. 1. Is it true that red cars are more expensive to insure? No, the color of your car has no impact on your insurance premiums. 2. What is minimum coverage, and is it enough? Minimum coverage meets the legal requirements but may not provide sufficient protection. It’s advisable to consider your specific needs and potential risks. 3. Does credit score affect insurance rates? Yes, a lower credit score can lead to higher insurance premiums. 4. Do I need car insurance if I don’t drive often? Yes, insurance is essential even if you don’t drive frequently, as it covers non-driving-related incidents and theft. 5. Does auto insurance cover personal belongings inside the car? Most auto insurance policies do not cover personal items inside the car. Consider separate coverage for your belongings.

https://tanamanmahal.com/car-insurance-myths-debunked/

Does insurance terminology and coverage confuse you? Us too sometimes, and we work with insurance companies everyday! We understand that with so much jargon, insurance can be a very confusing thing. We hope to provide a little bit of clarity to help with this confusion by defining a few terms that are often used when discussing insurance coverage. A deductible is an amount that needs to be paid by you before your insurance company will begin paying claims. After meeting your deductible, some plans will begin to pay for all coverage in full, while other plans will begin to cover a portion of the claims and expect the patient to cover the remainder. This amount resets yearly, some plans reset at the 1st of the year (called yearly plans) while others reset at a certain date throughout the year (called calendar plans). A deductible is an accumulation of almost all payments you make related to your health; you do not have a separate deducible for each doctor office or hospital you visit. Out of Pocket Maximum/Max Billable Amount/Catastrophic Cap The out of pocket maximum has several other names it is called based on the insurance company, but no matter what name it goes by it is still the same thing. This is (theoretically) the absolute most you will have to pay for covered medical expenses in a plan year through deductible and coinsurance before your insurance plan begins to pay 100 percent of covered medical expenses. Once met, all of your health insurance costs are suppose to be covered in full by your insurance company. Of course, sometimes a bill will be denied by the insurance company. If the insurance company says they won't pay a bill, then the entity charging the amount may seek payment from the patient. A copay is a set amount based on what type of doctor or service you are receiving. It can vary between each type of doctor, with specialists and ER visits costing more than a visit to your primary care physician. This amount is generally due regardless of whether the deductible is met or not, and sometimes does not contribute to the deductible. It does, however, contribute to the out of pocket maximum, and once the out of pocket maximum is met then the copay is no longer charged. Co-insurance is generally the most complicated aspect of insurance costs. A co-insurance is an amount that is generated after the bill has been sent to the insurance company, and is based on both your plan and the amount that the insurance company states is eligible for payment. This benefit does not begin until the deductible is met. Many plans we are are on an 80%/20% plan, with the insurance company paying 80% of an visit. For example, if the health insurance plan's allowed amount for an office visit is $100 and you've met your deductible, your 20% coinsurance payment would be $20. The health insurance plan pays the rest. A “claim” is the bill that an office sends to the insurance company. It is the amount that the procedure costs, in full. You will usually only hear this term when “a claim is denied”, which means a bill that was sent to the insurance company was rejected. If a claim is denied by an insurance company, then the cost can fall onto the patient regardless of whether an out of pocket amount is met, because it is considered to be not covered by the insurance company. Denied claims also usually do not count towards a deductible total, as they are considered uncovered claims. At All Care, we work hard to get denied claims appealed before sending the bill to the client for payment. Clear as mud right :)? Here are some examples to help you see how this works in the real world: Example 1: You have a $60 copay on your plan. Your deductible has not been met. You pay $60 at your visit. The claim goes to the insurance company for $145. The insurance company states that only $125 of the bill is eligible to be paid on. You have already paid $60. The remaining $65 (for a total of $125) will be billed to you since your deductible is not met. No one is charged for the remaining $20. Once you met your deductible, you will only be charged for your $60 co pays until your out of pocket maximum is met. Example 2: You have a 20% co-insurance. Your deductible is not met. The claim that will be sent to the insurance company is for $160. The insurance receives the claim and decides that only $130 is eligible to be paid on. They pay $0 and you pay the $130 that insurance company approved. No one is charged for the remaining $30. Example 3: You have a 20% co-insurance. Your deductible is met. The claim that will be sent to the insurance company is for $120. You can estimate that you will owe $24. The insurance company receives the bill and decides that only $100 is eligible to be paid on. They pay $80 and you pay the remaining $20. You pay 20% of the $100 that the insurance company approved and not 20% of the entire bill, hence $20 and not $24. No one is charged for the remaining $20. Example 4: You have a $60 copay. Your out of pocket maximum has been met. You pay nothing. The claim is $150. The claim gets sent to your insurance company. The insurance company denies the claim. The full costs goes to the patient and you owe $150. You can generally try to negotiate a lower bill or a payment plan. Example 5: You have a 10% co-insurance. Your deductible is met. The claim that will be sent to the insurance company is for $100. You can estimate that you will owe $10. The claim gets sent to insurance and they determine that $0 is eligible to be paid on. They do not deny the claim, they determine that $0 is eligible to be paid on. You owe $0. In this case, the clinic will more than likely resubmit the claim for payment. In all of the above situations, All Care will make sure before, during, and after that you understand your coverage and what you will be payment responsible for. Patients with high deductibles or financial situations that make full payment difficult can also work out a payment plan with All Care. We never want lack of coverage to be a deterrent for therapy. Hopefully this has helped to clear up some confusion. If you still have questions, please don't hesitate to let us know!

https://www.allcaretherapygt.com/post/2016/04/25/insurance-education

Have you ever tried to file an insurance claim and felt frustrated? Well, you’re not alone. Many people have had similar experiences with insurance companies, leading to a negative perception of the industry. It is essential to remember that insurance companies are working to protect their earnings despite their generally kind appearance. Even the most reputable and well-known insurance companies use these dishonest practices to boost their earnings. Their main strategies are the three D’s: delay, deny, and defend. Therefore, you must become knowledgeable about them. A CNN investigation explains how insurance firms devised this tactic to pursue injury claims involving collisions, even when there is circumstantial evidence of individual injuries and damage. Visit websites like www.nicoletlaw.com to learn how lawyers can tackle greedy insurance companies and help you get the compensation you deserve. What is the 3D Strategy? The 3D strategy stands for delay, deny, and defend. It is a common approach followed by insurance companies in handling claims their customers make. Let’s break down each of these elements to understand the strategy better. Delay refers to the first step in the 3D strategy, where insurance companies deliberately prolong the process of reviewing and paying out claims. This tactic allows them to hold onto their funds for extended periods, annoying the victim. The delay is particularly excruciating for those who’ve suffered severe injuries like TBIs or burn injuries. Occasionally, one will encounter arbitrary regulations that frequently refer to nonexistent or contradictory laws. This is done with the assumption that victims will get discouraged and defeated by repeated denials, feeling they have no option but to give up. The next step in the 3D strategy is to deny claims whenever possible. Insurance companies will often use technicalities and fine print in policies to reject claims, even if they are valid. This helps them save money by not paying for claims and discourages customers from making future claims. Insurance companies have a lot of options to reject a claim. They do this,hoping that those injured will accept the denial without protest. Like postponing payment, denial works well because many people give up and become irritated. Each dollar that remains out of the pocket of an injured party benefits the insurance company financially. In this final step, insurance companies will vigorously defend themselves against any lawsuits or legal action by victims whose claims have been denied. This is meant to deter clients from taking their claims further, even though it can be expensive and time-consuming for all parties. If everything else fails, the insurance firm will use the third D to defend itself. This compels someone with a valid claim to file a lawsuit for their injuries. Several years may pass during litigation, or even longerif the case is appealed. Due to legal provisions that make it more difficult to collect more than should have been paid out in the first instance, insurance firms have even more justification for withholding, delaying, and fighting. The 3D strategy allows insurance companies to maximize their profits and minimize their losses. By delaying, denying, and defending claims, they can hold onto more of their funds and avoid paying out large sums of money. Additionally, it allows them to maintain a positive image by appearing to be actively investigating claims while still protecting their bottom line. Awareness of the 3D strategy is the first step in protecting yourself against it. It’s important to carefully review and understand your insurance policy before signing it and to know your rights as a policyholder. If you believe your claim has been unfairly denied or delayed, you can seek legal advice from an experienced lawyer.

https://www.investmentpedia.org/3d-strategy-followed-by-insurance-companies/

UPDATED: Wind-driven fire destroys two buildings at Seaport Marine in Mystic Mystic ― Firefighters from several area departments battled a major fire at Seaport Marine on Washington Street that broke out just before 9 p.m. Sunday and destroyed two buildings. No one was injured in the wind-driven blaze but one firefighter was taken to the hospital to be evaluated, said Mystic Fire Chief Anthony Manfredi Jr. early Monday morning. The fire also forced nearby residents to evacuate their homes. The fire was reported at 8:56 p.m. and when firefighters arrived, Manfredi said there was “a lot of fire” and he was worried the blaze could spread to nearby homes including those on Willow Street. He called four alarms which brought help from surrounding departments. As of 9:50 p.m., large flames and heavy smoke could be seen coming from the interior of the property. The raging fire, which appeared to be growing in size about 10:10 p.m., was located just south of the end of Cottrell Street, where several large boat sheds and an office are located. Multiple explosions could be heard coming from the fire as crowds gathered across the Mystic River in Groton to see the fire. Ladder trucks could be seen pouring water on the fire. By 10:45 p.m. firefighters appeared to be getting hold of the fire as smoke and flames has diminished. By 12:30 a.m. this morning, the fire was under control but not yet extinguished. Manfredi said the fire destroyed a large storage and office building and badly damaged an adjacent home. He said the state fire marshal was responding to assist with the investigation into the cause of the fire. Norwich firefighters, also responded to the fire and a Facebook video posted by Norwich Firefighters Local 892 showed a massive fireball at the south end of Cottrell Street. Stonington Police Deputy Chief Todd Olson said late Sunday night he was not aware of any injuries due to the fire. He said police closed Route 1 and other streets in the area and evacuated residents from nearby homes and buildings including the Whaler’s Inn where the fire alarm was still sounding at 11:20 p.m. Power was also out in the neighborhood with Eversource reporting 158 customers without power as of 12:37 a.m. The 122-slip marina along the Mystic River is also home to the popular Red 36 restaurant. The restaurant did not catch fire late Sunday night. Marianne Jasmine, who said her boat is tied up at the marina, said she came down to Mystic River Park when she learned of the fire. But she said the flames were so high embers were hitting people in the park. They then had to evacuate the park. The blaze was the biggest fire in downtown Mystic since March of 2000 when a nighttime fire destroyed a West Main Street building that housed eight businesses next to the drawbridge. In 1960, a fire destroyed 15 businesses and a movie theater not far from Seaport Marine. Seaport Marine is owned by the Holstein family, which recently sold its other marina, the 155-slip Noank Shipyard, to Epum Holdings. After the sale, Seaport Marine General Manager Harry Boardsen said he and his family would continue to own and operate the Seaport Marine as well as its other facility, Bridgeport Boatworks. Boardsen said he and the Holsteins were looking forward to the further development of the Seaport Marine property. In 2019, the family proposed a major redevelopment of the 11-acre Seaport Marine property, called Smiler’s Wharf, that included 120 more slips, a 45-room hotel, a marine services building, a second restaurant, a public park and walkway and housing, but withdrew it in the face of opposition. This is a developing story Comment threads are monitored for 48 hours after publication and then closed.

https://www.theday.com/police-fire-reports/20221127/firefighters-battling-major-fire-at-seaport-marine-in-mystic/

E&O Insurance – Errors and Omission Insurance (E&O) A subcategory of professional liability insurance that defends businesses and their staff against claims made by customers that allege they received substandard or negligent service. What exactly is meant by the term “Errors and Omissions Insurance” or “E&O”? Errors and Omissions (E&O) insurance protects businesses and their employees against claims made by customers who allege careless conduct or insufficient work was performed. Professional liability insurance, of which Errors and Omissions (E&O) insurance is a subtype, is often required of those who provide professional services to their customers. In a nutshell, errors and omissions insurance, sometimes known as E&O insurance, belongs to the larger category of professional liability insurance (PLI). Companies and their personnel who provide professional services are shielded from client allegations of negligent behavior or substandard work performance as a result of this protection. There are a variety of factors that might influence the price of E&O insurance, including the sector, geographic location, revenue, size of the business, and policy coverage limits. Companies that face a greater likelihood of being sued are often subject to more expensive premiums. In general, for errors and omissions, insurance, also known as E&O insurance, protects businesses against claims of negligence, missed deadlines, undelivered services, and more. Acquiring Knowledge of Errors and Omissions Insurance It is not unheard of for clients of professionals who provide services to have the right to file claims against those professionals. As a consequence of this, they require professional liability insurance, often known as PLI, in order to safeguard themselves against these kinds of lawsuits. The coverage of PLI extends to include either negligent behavior, malpractice, or misrepresentation. One of the numerous types of professional liability insurance (PLI) that protects against allegations of negligent or inadequate work is called errors and omissions (E&O) insurance. E&O insurance is required of any and all businesses and people who render professional services or advice. For instance, there are medical professionals, legal advisors, financial planners, insurance brokers, engineering organizations, and so on. Claim settlement costs can be covered by E&O insurance up to the limit that is stipulated in the insurance policy’s terms and conditions. In most cases, it also covers the fees of going to court, which might likely be rather expensive. During the process of producing portfolio attribution indicators, for instance, an investment management company erred and committed a mistake. It resulted in a poor decision on asset allocation, which led to a loss on the investment. Customers have the option to file a claim for damages against the company in the event of a loss. If the investment business had signed up for comprehensive E&O insurance coverage, the insurance company would have been responsible for paying the legal fees and any damage settlements that were reached. The premiums charged for errors and omissions insurance are influenced by a number of factors, such as the type of business, the region in which it is located, the revenue generated by the company, its size, the policy coverage limitations, and more. Some sectors of the economy are more vulnerable to the financial impact of lawsuits than others. For instance, the risks that construction companies encounter often result in higher E&O insurance premiums since the mistakes they make can result in significantly higher financial losses due to property damage. Due to the fact that being a large company typically comes with a significant chance of being sued and having to pay a high settlement cost, the prices for E&O insurance are proportionately greater as revenue increases. In general, businesses that have a strong history of not filing claims and that provide sufficient staff training are able to negotiate more favorable terms for their E&O insurance policies. What Are the Covered Expenses Under E&O Insurance? It is possible for the coverage of errors and omissions (E&O) insurance to fluctuate marginally from one insurance provider to another, depending on the specifics of the insurance policies. In general, errors and omissions insurance, often known as E&O insurance, protects the policyholder against claims of negligence, missed deadlines, undelivered services, and mistakes made at work. Clients have the right to seek compensation for damages that were incurred as a result of errors or mistakes made by professionals. One possible illustration of this would be a mistake that a financial planner makes on the return rate of a financial instrument. When a company falls short of the minimum requirements set by their industry, they leave themselves up to accusations of negligence. If a customer is unhappy with the service they receive, they may accuse the company of being negligent, even if there were no errors made. The failure of a tax preparation company to make tax payments for its customers in accordance with the terms of the service contract is referred to as “undelivered services.” An insurance agent who does not provide appropriate insurance coverage for a client is another example of this type of behavior. Failure to meet deadlines can result in significant revenue losses for clients. As an illustration, a consultant failed to meet the stipulated time limit for delivering the due diligence report to a private equity investor. It was because of this that the investor did not submit a bid. In the event that the investor filed a lawsuit, the E&O insurance would pay for the associated costs. What Doesn’t the Errors and Omissions Insurance Cover? Customer injuries, employee injuries, contingent physical injuries, employee discrimination claims, and property damage to either business property or customer property are not covered by the E&O insurance policy. These types of claims fall outside the coverage parameters of the policy. The claims are covered by several different types of insurance for professionals, such as umbrella policies. Injuries to customers, as well as damage to their property, are covered by general liability insurance. Injuries sustained by workers are compensated for by the company’s workers’ compensation insurance. Product liability insurance will pay for medical expenses associated with accidental bodily harm. Employment practices liability insurance, sometimes known as EPLI, protects employers against the financial impact of employment discrimination lawsuits brought by workers against their employers. In addition, for errors and omissions, insurance does not protect against criminal prosecution or wrongdoing committed with the intent to cause harm. A significant number of E&O insurance policies do not extend coverage to temporary workers, claims filed in multiple jurisdictions, or claims made on work completed before the insurance was put into effect. When signing a contract for E&O insurance, companies need to ensure that they have a thorough understanding of the policy terms and coverage. CFI is the official supplier of the global Commercial Banking & Credit Analyst (CBCA)TM certification program. This program is meant to assist anyone in becoming a financial analyst of the highest caliber. The extra resources that are listed below will be helpful to you as you continue to advance in your career: Insurance for Property Owners Maximum Potential Loss for Life and Health Insurance Companies Certification for Financial Analysts Working in Professional Corporations By completing the online financial modeling coursework and training program offered by CFI, you can work toward earning your Financial Modeling and Valuation Analyst (FMVA)® certification. Follow us on Twitter

https://legalnewsupdates.com/eo-insurance-errors-and-omission-insurance-eo/

The 2020 fire season has been record-breaking. Extreme temperatures and severe droughts, as a result of a climate change, have created a world that’s ready to burn. After months, although mostly under control, California is still battling a series of blazes. Not only has the total amount of acres burned reached over three million, but six of the top 20 largest wildfires in the history of California have been recorded this year. Record dry weather and soaring temperatures hit the Western US in late 2019 and continued into February 2020. California was then the first state to declare a state of emergency in March due to a mass die-off of trees throughout the state, which could potentially increase the risk of more wildfires in the region. The August Complex fire, a massive wildfire burning in Northern California, officially became the largest blaze in Californian history, burning more than 471,000 acres. The two other California blazes claiming a spot in the record books are the SCU Complex fire east of the Bay Area having razed 396,000 acres, and the North Bay LNU fire with 363,000 acres burned. The 2020 fire season has proven catastrophic as blazes continue to create mass devastation in several regions worldwide. Read more: California Blazes Wreak Havoc Fires Terrorise the Amazon Preserving the Amazon rainforest is of global importance in the fight against climate change. However, the area is under threat from forest fires, mostly started to clear land for agriculture. A worrying number of fires were detected in Brazil’s Amazon. In the first seven months of 2020, more than 13,000sq km (5,019sq miles) of the Amazon was destroyed. This is more than eight times the size of London, putting Amazonian fires this year at the second-highest level since 2010. The number of forest fires in the Amazon regions of Colombia, Peru and Venezuela is also higher than this time last year. For Amazonian countries, mining and agriculture are accelerating deforestation, and as a result, forest fires are rife. Dozens of fires erupted in New South Wales, Australia, prompting the government to declare a state of emergency in November 2019. On January 3rd, officials warned that conditions would worsen over the following few days. By January 10th, another round of massive evacuations began across the hardest-hit regions due to dangerous winds fanning the flames. The timing and intensity of the fires were unprecedented. Fires raged near the Australian capital Canberra for weeks – at one stage shutting the city’s airport as flames approached the perimeter. Victoria, where fires have burned 1.2 million hectares, extended their “state of disaster” for the worst-hit areas from January 2nd to 11th. To date, the Australian fires have ravaged more than 115,000 square kilometres (44,400 square miles) of drought-stricken bushland and forest across Australia. They have destroyed thousands of homes, killing or displacing nearly three billion animals. Fires Further Afield Other notable fires this year have been the Uttarakhand forest fires in India that eventually gutted over 51 hectares across multiple districts of Uttarakhand. Then the Siberian wildfires in Russia, where abnormally warm temperatures, sometimes reaching 100.4 °F (38.0 °C) well inside the arctic circle, have spawned an intense fire season in eastern Siberia this summer with fires consuming 14 million hectares (35 million acres). Finally, the 2020 Chernobyl Exclusion Zone wildfires were a series of blazes that began raging inside Ukraine’s Chernobyl Exclusion Zone in April 2020. Biggest Wildfire in History On June 1st 1950, the Chinchaga Fire in British Columbia, Canada, started as a relatively small blaze that developed into a wildfire of such monstrous proportions that the thickness of the smoke looked like an atomic bomb had detonated. Many believed that the west was at war with Russia. The fire raged for five months, finally ending on October 31st in Alberta. In that time, it burned approximately 1.2 million hectares (3 million acres) of the boreal forest. Feature Image: CalMatters.org - Britain Set to Release the First Approved COVID-19 Vaccine in Coming Weeks - 6th December 2020 - 11 Most Cinematic Couples to Ever Grace the Silver Screen - 18th November 2020 - Iconic Brands That Have Prospered for Over 100 Years - 16th November 2020

https://trulybelong.com/environment/2020/09/22/the-biggest-fires-of-2020/

Oil & Gas Consultants, Process Safety Consultants, Environmental Impact Consultants, Process Engineering Consultants, Risk Based Mechanical Integrity Programs Oil & Gas Consultants work in many different capacities. Safety Consultants, Inspection Consultants, Process Engineering Consultants, Environmental Impact Consultants, all provide a vital service to the energy business. In today’s litigious society, companies are quick to recognize the tremendous value that outside consultants can offer. It is a clear indication by the company to its commitment for safe workplace, corporate governance, ethical standards, environmentally clean footprint. Consultants provide an unbiased examination of internal controls, safety measure, and optimization of Mechanical Integrity Programs. They have years of experience to draw from, and make recommendations for safety improvement, internal processing and handling, statistical analysis for failure probability, QA Manuals / Procedures, QA Support, & Record Keeping, Plant Turn Around and Start Up Procedures. Consultants also provides a vehicle for the client company to shift a significant liability exposure burden to an outside company. A Consultant’s, role is usually restricted to strictly Consulting. They can make recommendations for change, but as a general rule, are not tasked with authority to enforce those changes. That provision remains with the Client. This sometimes leads to an erroneous conclusion that they have very little Professional Liability or General Liability exposure. In fact, recommendations can be viewed as opinions, which lead to a professional liability exposure. Additionally, the fact Consultants and their employees have virtually unrestricted access to the client’s Petro-Chemical plants, Refineries, Manufacturing Facilities, with access to potentially sensitive company data, leaves them vulnerable and with a significant amount of liability exposure. Consultants are often required to sign a Do Not Disclose, or a Confidentiality Agreement. Knowing how the General Liability policy will respond to a claim brought about under a breech of confidentiality Agreement is often overlooked. As is apparent from the above, consultants do have significant legal liability exposure, most of the times, far more than they realize. An Insurance Policy which does not take into account the true exposures into account, can leave the Consultant without coverage for legal defense and indemnification, in the event they are named in a law suit or put on notice for a claim or an incident. Commercial Global Insurance / Higginbotham has the experience to craft commercial policies for Oil & Gas Inspectors & Safety Consultants, Refinery & Chemical Plant Inspectors & Safety Consultants, Environmental Consultants, Quality Assurance & Quality Consultants, and Process Engineering Consultants. Policies for Consultants can include General Liability, Professional Liability, Contractors Pollution Liability, Commercial Auto Liability, Commercial Umbrella, Worker’s Compensation Insurance & Commercial Property Insurance.

https://www.cglobalins.com/industries/insurance-for-oil-a-gas-consultants-2/

Fraud Detection Software Development Fraud Detection Software Development. As businesses and consumers switch to online services and transactions, the challenge of stopping fraudulent activities has come into view. In order to curb these fraudulent behaviors, organizations are witnessing an ever-increasing need to invest in a robust fraud detection solution that can offer real-time, actionable alerts. And according to a report from Fortune Business Insights, the global market of fraud detection and prevention is expected to reach a whopping $66.6 billion at a CAGR of 19.1% by 2028. So, in today’s blog, we will help you understand what fraud detection software entails, making it easier to develop one for your business. Fraud Detection Software Development Fraud detection defines the techniques used to prevent money or identity theft through deception. You can think of fraud detection as a security barrier used to protect a business or its customers from cyber fraud, such as stealing credit card information, accessing sensitive data, etc. And fraud detection software is an application program designed to monitor all business transactions, detect risks, and score each accordingly. It helps reduce financial losses a business undergoes due to malicious activities. Also, by providing real-time analysis, this software prevents fraud while maintaining transactional security. What Should a Fraud Detection Software Consist? Before learning how to build software solutions for detecting fraud, it is crucial to understand what components should be included in real-time, robust fraud detection software. Here we have enlisted the significant elements to be integrated into the software: Transaction Streams Ingestion For detecting fraud in real-time, it is essential to have a system that can ingest a high volume of data like transaction amount, user information, location, IP address, payment methods, and other risk factors and process them as soon as they are generated. Potential Fraud Analysis Another important factor to add to the software is real-time monitoring. Identifying threats beforehand only does half the work, however, to act on the insights you need a system that monitors the analyzed results, raises alerts, and triggers responses to secure online transactions. Read: Cybersecurity Trends How to Build a Fraud Detection Software? Now comes the part you were waiting for from the very beginning. In this section, we will learn the way to build a successful, robust, real-time fraud detection software for your organization. These steps involve: The first step to building fraud detection software includes defining the goals by answering questions such as: What are the fraud cases you want to detect? What are the key measurements you want to focus on? How many developers will be involved? After defining the objectives, the next step is to identify data sources for the system. These data sources can be user profile, product usage, transactional data, and risk profile. Once you are done with identifying data sources, it is time to consider some factors that will impact the architecture of the system. These factors are: Fraud prevention operational flow (a way to handle and confirm suspicious events) Detection frequency (a way to run data through scoring model) Scoring accuracy (to access quality of the fraud scoring model) What comes after defining the fraud detection system architecture is the pipeline development for data engineering, transforming, and modeling. In data engineering data will be ingested, merged, aggregated, and set up from different sources. Data transforming will improve the data quality and feed it to ML models. And in the ML modeling pipeline, machine learning models will be created depending on the key metrics of the business. Also, to build and integrate fraud detection system architecture and pipelines, you will need to hire experienced developers with hand-on experience. To verify their legitimacy, you can go through their portfolio and profile for a run down on their previous work. This brings us to our next question… Fraud Detection Software Development Cost The cost of developing fraud detection software can range anywhere from $20,000 to $150,000. This variation in the cost is due to the difference in the software size, complexity, tech stack, integrated tools, hourly rate, development time, development team experience, and so much more. The only way to know the exact cost of development is through consulting with industry experts who will gather all the information about your needs and provide you with a quote. Read: What is Cybersecurity That was all about fraud detection software development. And it goes without saying that these software solutions have become more than necessary for every business trying to minimize losses caused by fraudulent activities. Also, adding advanced technologies like machine learning and artificial intelligence can be impactful and efficient to prevent fraud and provide high security. And if you are looking for outsourcing a development team that can build fraud detection software according to your business needs while staying within your budget, then you are at the right place. All you have to do is, contact our experts, share your requirements, get a quote, interview developers, and hire them to accomplish your goals. So what are you waiting for? To have your fraud detection software developed, get in touch with us now! FAQs: Fraud Detection Software Development What are the technologies used to detect fraud? Machine learning (ML) models and artificial intelligence (AI) algorithms are the major technologies used in fraud detection software to identify potential fraud. Is fraud detection automated? Yes, fraud detection tools and software are automated to carry out fraud detection around the clock, send alerts to users, and trigger appropriate responses to prevent fraudulent activities. What is fraud detection software? Fraud detection software is an application program designed to monitor all business transactions, detect risks, and score each accordingly. It helps reduce financial losses a business undergoes due to malicious activities.

https://www.decipherzone.com/blog-detail/fraud-detection-software-development

If you are an insured person under the Allstate Florida auto policy, then you are eligible for a potential award from the Florida Allstate PIP Coverage Class Action Lawsuit! According to the lawsuit, Allstate entities failed to comply with Florida law regarding the payment of personal injury protection benefits under claims where examinations under oath were requested. Although Allstate denies all acts of allegations, they have agreed to settle the class-action lawsuit in order to avoid the further risk and cost of ongoing litigation. So if you are eligible, file a claim by 5/4/17 to receive your potential award! Florida Allstate Lawsuit: - Florida Allstate PIP Coverage Claim Form - Claim Form Deadline: 5/4/17 - Who’s Eligible: According to the Allstate settlement documents, you may be entitled to benefits if you are a person or entity who is/was: - An eligible insured person under an Allstate Florida auto policy (or an assignee of an eligible insured person under an Allstate Florida auto policy); - Where the eligible insured person was injured in an automobile accident covered by the PIP coverage of an Allstate Florida auto policy; - Where the eligible insured person was requested by an Allstate defendant to appear for one or more examinations under oath; and - Where the payment of PIP benefits to the eligible insured person and/or an assignee was denied, in whole or in part, by an Allstate defendant because of the failure of the eligible insured person to attend a requested examination under oath and/or failure to produce the requested documentation or information at a requested examination under oath. - Estimated Amount: Varies. - Proof of Purchase: Yes, a proof of purchase is required. - Case Name & Number: Feijoo v. Allstate, Case No. 11-37994CA05, in the 11th Judicial Circuit Court in and for Miami-Dade County, Florida How To File a Claim: - Head over to the Florida Allstate PIP Coverage Claim Form. - Look over the claim form to see if you are eligible. - Fill out the claim form with your information. - Submit your claim by 5/4/17 to receive your potential award! If you are an eligible insured person under Allstate Florida, then you are eligible for a potential award from the Florida Allstate PIP Coverage Class Action Lawsuit! According to the lawsuit, Allstate failed to comply with Florida law regarding the payment of personal injury protection benefits under claims where examinations under oath were requested. So if you are eligible, file a claim by 5/4/17 to receive your potential award! Don’t forget to take a look at our full list of Class Action Lawsuit Settlements! The American Express® Gold Card offers 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months. Terms apply. • 4X Membership Rewards Points at Restaurants, plus takeout and delivery in the U.S., • 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). • 3X Membership Rewards points on flights booked directly with airlines or on amextravel.com. $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required. This card has an annual fee of $250 with no foreign transaction fees (See Rates & Fees).

https://www.hustlermoneyblog.com/florida-allstate-pip-coverage-class-action-lawsuit/

What is public liability insurance? Public liability insurance is invaluable if you are alleged to have injured a person not employed by you or damaged their property whilst going about your business. Often referred to as PL insurance, it covers the legal costs and expenses incurred in your defence, as well as any damages and costs that may be awarded. Remember: accidents happen, so it’s wise to have cover in place for when they do. Here’s our quick guide to public liability insurance cover, what it covers, and how to get it. How to get public liability insurance While getting public liability insurance is straightforward, it’s important to consider is how much you need. This can vary depending on the size of your business, what it does, and how often you deal with the public. If you’re unsure as to exactly what you need, then we’d be happy to offer advice and provide you with a quote. You can call our insurance experts on 0371 705 2535 or get an online quote straight away using the button below. What does public liability insurance cover Public liability claims against you can come when you find yourselves accused of negligence. A visitor to your business premises may trip or fall during their visit and believe that it was your fault. If they can prove their case, and the injury causes loss of earnings or even permanent disability, the claim could potentially cost tens or even hundreds of thousands of pounds. Public liability insurance can protect you when this happens, covering compensation pay-outs, legal costs, and medical expenses. The same applies when a visitor’s property is lost or damaged while visiting your business – if they claim, you’re covered for that too. Public liability insurance doesn’t cover you in the case of claims for injury or illness made against you by your staff or employees. In that instance, you’ll need employers’ liability insurance, just one of many small business insurance policies we provide. What is the cost of public liability insurance? Again, the cost of your public liability insurance cover is dependent on a number of factors. These can include how large (or small) your business is, the industry in which it operates, and what it does on a day-to-day basis. How much cover you require will impact the total cost too. At Markel, we provide specialist cover for professionals, business, and charities from £5 a month. This £5 a month premium is based on a public liability insurance policy with a £1 million level of cover, and includes products liability, but the cost can increase depending on your needs. What is the difference between public liability insurance and professional indemnity insurance? Professional indemnity insurance is different to public liability insurance for a number of key reasons. The most obvious difference is that while public liability covers you against claims of injury or property damage and loss. Professional indemnity insurance covers you for claims brought against you for the work you produce, or the professional advice you provide. Here are a couple of examples of potential claims in each case: Public liability insurance: a visitor to your work premises slips on a wet patch on the floor when walking along a corridor. Or you drop a client’s laptop while carrying it for them, causing damage to the screen and internal workings. Professional indemnity insurance: you’re hired to provide a form of training, but deliver a completely wrong and irrelevant module to your client. Or your negligence leads to important client documents and private information being lost or disclosed to others. Frequently Aasked Questions How can I protect against public liability claims? As a specialist insurer for over 25 years, we have an unrivalled understanding of the risks that can lead to public liability claims. We've produced numerous guides to help professionals and charities protect themselves effectively. Having a risk management plan in place is an invaluable way to demonstrate that you have exercised 'reasonable care' to prevent injury, damage or other losses from arising. Yet should a claim be made, insuring with Markel Direct will mean we are also there to manage it on your behalf from the outset: with swift, expert assistance from our highly trained claims team. We offer specialist cover for professionals, business, and charities from £5 a month* – get an online quote now or call 0330 822 3554 for help arranging your policy. *Price based on a business consultant requiring £1 million of public liability insurance. What is public and products liability insurance? Public and products liability insurance covers legal costs and compensation if a customer or member of the public is injured when using an item or product that you’ve sold to them. This can also apply if their property is damaged when using the product. If you’re a manufacturer or sell goods to the public, you could be liable, so it’s worthwhile having this form of insurance in place. Do I need public liability insurance? If you are a freelancer, business or organisation that deals with clients and members of the public on a face-to-face basis as part of your business activities, you should consider taking out public liability insurance. That's because there are a large number of 'wrongful acts' that can lead to a claim being made against you, ranging from a visitor to your premises tripping on a rug to damage you cause to third party property. Public liability insurance also protects you against unexpected events, which can’t always be prevented. Unfortunately, most claims arise from events like water leaks that lead to slips, or accidental acts, such as an employee causing damage or injury to someone else's property. With so many ways for public liability claims to arise - not to mention such a wealth of companies encouraging often frivolous claims to be made – every business or organisation should give serious consideration to arranging public liability insurance. How much can a public liability claim cost a business? It may seem that, on first glance, most of these accidents are trivial. However, the truth is that even mild bruising caused by slips, trips and falls can lead to a 'soft tissue injury' compensation claim. Depending on the severity, this could cost around £2,000, plus legal fees that can typically add another £5,000 to your costs; unless of course you have the right public liability insurance in place. But the costs can even spiral from there. For example, if a visitor to your premises has hurt themselves and they believe that your negligence was the direct cause of their accident, the claim could potentially cost tens or even hundreds of thousands of pounds. This will certainly be the case if the injury causes loss of earnings or even permanent disability. Why choose Markel for public liability insurance? With over 25 years’ experience in the business insurance market, you can trust Markel Direct when it comes to robust, reliable financial protection. Our experienced solicitors are available 24 hours a day, 7 days a week to give you legal advice when you’re facing a legal claim. There are no hidden fees either – we’re completely transparent when it comes to cost and if you want to change or cancel a policy, you won’t be charged any extra fees. You can also get a quote in as little as 90 seconds when you fill in our easy online form. Just use the button below or call our team today on 0371 705 2535 to discuss your needs. Need some help? 0800 640 6600 Mon - Fri 08:30 - 17:30 Local rate and mobile friendlySupport

https://www.markeluk.com/business-insurance/public-liability-insurance/what-is-public-liability-insurance

Currently Viewing: Business Law Let Us Help Your Business Run Smoothly. Excellence in Corporate and Business Law. We routinely handle a wide range of corporate law needs for both large and small businesses. From entity formation and partnerships to mergers and acquisitions, our keen eye for detail and years of experience offer an authoritative point of view that can set your business up for success. Our corporate and business attorneys regularly practice in these areas: buy/sell agreements, purchase contracts, joint venture agreements, stock purchase agreements, commercial real estate, commercial leasing, licensing, franchising, corporations, limited liability companies, partnerships, commercial finance, and the Uniform Commercial Code. Manufactured Housing, Mobile Home, and RV Communities Related News & Articles. Explore More Practice Areas Family LawSee More DetailsDivorceChild CustodyChild Support and EnforcementSpousal MaintenancePaternityRelocationAdoption Construction LawSee More DetailsConstruction LitigationConstruction DefectsPublic ProjectsPublic-Private Partnerships Estate Planning, Tax and ProbateSee More DetailsEstate and Tax PlanningProbate and Trust AdministrationGuardianship and ConservatorshipAdult ProtectionEstate Controversy LitigationSee More DetailsAdministrative ProceedingsAlternative Dispute ResolutionAppealsCommercial LitigationConstruction DisputesConsumer ProtectionDivorce and Family LawEmployment DisputesEstate ControversyReal Estate Disputes Mediation / ArbitrationSee More DetailsConstruction DisputesEstate ControversyFamily Law and Divorce Mediation Personal InjurySee More DetailsAuto AccidentsWorkplace AccidentsWrongful DeathPremises LiabilityMedical Malpractice Real EstateSee More DetailsCommercial LeasingForeclosure, Workouts, RestructuringHome and Building InspectionManufactured HousingReal Estate DevelopmentReal Estate FinanceReal Estate LitigationReal Estate Transactions

https://www.warnerangle.com/practice-areas/business-law/

|Easily Soluble In Water Industrial Strength Defoamer Agent, PH 4.5 Defoamer Agent, PH 8.5 Anti Foaming Agent Introducing Defoamer Agent, the perfect silicone anti foaming agent in food, Foam-Eliminating Agent, and anti-foam agent additives. Our Defoamer Agent has a shelf life of 1 year and comes in a 125L/drum package with a content of ≥98%. It is easily soluble in water, making it the ideal solution for reducing and eliminating foam in food and other materials. Our Defoamer Agent is an efficient and reliable foam-reducing agent, perfect for a variety of different applications. |Easily Soluble In Water |Widely Used In Papermaking, Printing And Dyeing, Leather, Oilfield, Etc. The Defoamer Agent from Lanyao is a highly effective foam-removing agent. This product is designed to prevent and eliminate foam in a variety of industrial processes, including papermaking, printing and dyeing, leather, and oilfield production. With its 1-year shelf life and easily soluble properties, the Defoamer Agent is highly effective and reliable. It is packaged in 125L drums for easy storage and transport. The Defoamer Agent from Lanyao is designed to be a highly effective anti-foaming agent chemical for a wide range of industrial applications. It can be used to prevent and eliminate foam in papermaking, printing and dyeing, leather, and oilfield production processes, making it an ideal choice for industrial applications. The Defoamer Agent is easily soluble and can be stored in 125L drums for up to one year, making it an ideal choice for long-term storage and transport. It is highly effective in preventing and eliminating foam, making it an ideal choice for a variety of industrial applications. This Defoamer Agent by Lanyao is a foam-eliminating agent, an anti-foam agent additive, and a defoamer agent. It is a liquid-based product with a content of ≥98%, a pH of 4.5-8.5, and a stable property. It is made in Jiangsu, China. We provide technical support and service for Defoamer Agent. Our technical support team is available 24/7 to help you with any Defoamer Agent-related questions or concerns. We provide one-on-one customer support via phone, email, and live chat. Our team is also available to provide on-site support, if needed. We offer a comprehensive range of services to ensure that you get the most out of your Defoamer Agent experience. Our services include: We are committed to providing you with exceptional service and support for Defoamer Agent. If you have any questions or concerns, please don't hesitate to contact us. Defoamer Agent Packaging and Shipping Contact Person: Madeline

https://www.watertreatmentagent.com/sale-41505156-industrial-strength-defoamer-agent-ph-4-5-8-5.html

It’s winter! It’s cold (or maybe not)! While we enjoy beautiful weather for the majority of the year here in Sacramento, California, winter storms can still take us by surprise. The best offense is a good defense As the old saying goes, an ounce of prevention is worth a pound of cure. First, you should get your home ready for cold weather as well as complete the home maintenance monthly checklists for December and January. Know your insurance If your home is damaged from a winter storm, will your home insurance company cover the damages? In general, yes. Most direct damage caused from winter storms is covered. However, if your home shows signs of deterioration (i.e., not keeping up with your monthly maintenance), then you might be in for a battle to get your repair costs covered. What happens if a tree falls on my property? If a tree falls on your property and it damages one of the structures covered on your insurance policy, then your insurance company will cover the damages. But if it (or more than one tree) just falls on your land and no structures are damaged, then you’ll be responsible for those costs. Swimming pool fences, tool sheds, septic tanks, etc. are not usually covered under your home insurance policy, that is, unless you took out an insurance rider to get those items covered. What kind of recourse is there for a power outage? In general, you’re on your own during a power outage. But if you lose a significant amount of refrigerated items, most policies typically have a $500 allowance for refrigerated items. So if you have medicine that went bad or a month of groceries that you just purchased have spoiled, it might make sense to contact your insurance policy. Just remember though, that every claim you make on your policy can affect your insurance premiums. What can I do to help expedite the repairs and/or repayment? First, you should always have copies of your insurance policy handy and kept at an off-site location that you can easily access. You should also keep copies of receipts for all major work and upgrades on your home. If you do have to have immediate repairs done to prevent further damage, keep those receipts readily available. If you don’t have receipts for your losses, you should write up an estimate of the total value of items damaged or spoiled. Do you have good insurance for your California home? Or are you wondering if you could be paying less each month on your home insurance? Fill out our online quote and we can get you the right insurance for your needs.

https://bozzutoinsurance.com/dont-let-winter-storm-damage-leave-cold/

As the festive season embraces our homes with warmth and joy, the crackling fireplace becomes a centerpiece for cherished moments. However, amid the holiday cheer, it’s crucial to ensure that our fireplace celebrations remain safe and secure for everyone. With an estimated 25,000 chimney fires occurring each year in the United States alone, it’s crucial for homeowners with fireplaces to educate themselves on proper safety measures to prevent accidents and ensure a safe and enjoyable experience. In this blog post, we will explore essential tips and advice to help you maintain a safe and festive atmosphere around your fireplace throughout the holiday season and beyond. By implementing these guidelines, you can relax and cherish the warmth of your fireplace, knowing that you have taken the necessary precautions to protect your home and loved ones from potential hazards. 1. Adorn with Caution While decorating for the holidays, it’s tempting to embellish the mantel and surroundings with festive decorations. But remember, these decorations near the fireplace can pose fire hazards. Keep flammable objects like stockings, garlands, and wrapping paper at a safe distance from the flames. Avoid placing gift boxes or wrapped packages near a fireplace due to their high flammability. Ensure a minimum 3-foot gap between all combustible items and heat sources like fireplaces, candles, and portable heaters. Refrain from burning wrapping paper in the fireplace as it contains additives that ignite at extremely high temperatures. Do not dispose of a Christmas tree by burning it in the fireplace. The wood from Christmas trees is unsafe for burning as it hasn’t been adequately cured or seasoned. 2. Screen the Hearth Installing a sturdy fireplace screen acts as a protective barrier between the fire and your living space. It prevents sparks from escaping, keeping both your loved ones and your home safe from accidental fires. 3. Supervise Constantly Especially with children and pets around, never leave the fireplace unattended. Assign a responsible adult to monitor the flames while they’re burning and ensure everyone stays a safe distance away. 4. Proper Tools for Safety Equip your fireplace with the essential tools: a poker, shovel, and tongs. These not only aid in managing the fire but also prevent accidents that could occur if inappropriate tools are used. 5. Clear the Chimney Path Before lighting a fire, ensure your chimney is clear of any obstructions or debris. This prevents the buildup of harmful gases and allows smoke to escape freely. 6. Routine Maintenance Matters Regular chimney inspections and cleanings are vital for fireplace safety. Schedule a professional inspection to ensure your chimney is in top condition. 7. Educate Family Members Educate everyone in your household about fireplace safety. Teach children about the dangers of fire and establish clear guidelines for behavior around the fireplace. 8. Have an Emergency Plan Even with all precautions in place, emergencies can happen. Establish an emergency plan that includes evacuation procedures and knowledge of how to use fire extinguishers. Holiday Fireplace Safety Precautions in a Nutshell From using caution when adorning our fireplace mantels to having an emergency plan in place, there are many crucial steps we must take to create a safe and festive atmosphere around our fireplaces. Remember always to screen the hearth, supervise constantly, and use proper tools for added protection. And don’t forget about routine maintenance – it may seem like a chore, but it could save you from a potential disaster. Lastly, educate your family members on fireplace safety and make sure they know what to do in case of an emergency. So this holiday season, as you cozy up by the fire with your loved ones, remember these essential tips and enjoy the peace of mind that comes with knowing you have taken all necessary precautions. Don’t wait until it’s too late – book now for a professional chimney cleaning or inspection to ensure your fireplace is ready for all your festivities. Celebrate safely, embrace the warmth, and cherish the togetherness around the hearth.

https://ecogrizzly.com/chimney_blog/safe-and-festive-holiday-fireplace-safety/

Fire Damage Claim | A traumatic event like fire or any other large loss to your property, frequently impairs your ability to make important decisions. Policy owners in their attempt to get their life back on track as quickly as possible, settle for a quick loss assessment and settlement, often to their detriment. The full extend of suffered losses often surfaces long after their insurance claim is paid out and they have to finance the remaining repairs out of their own pocket. It is therefore prudent in times like this to employ a professional loss assessor who is not driven by emotions and can fight for the best settlement on your behalf. Fire damage devastates joinery business in North Dublin ICS received a call from a distressed business owner, his joinery works had suffered extensive damage following a fire. Our client is a leading manufacturer of bespoke joinery for the specialist construction market, they manufacture doors, windows, stairs gates etc. The fire was discovered when a passer by noticed smoke bellowing from the roof and notified our client. The fire service were called and attended with 4 units. They used water extensively to help extinguish the fire. The business owner attended the site and found a scene of devastation, he had built up his business for over 30 years and now feared that this event would ruin it. His high end valuable specialist wood working machinery and raw materials were extensively damaged by fire. They also suffered secondary smoke and water damage. ICS Loss Assessor appointed to manage the claim ICS loss assessor conducted a full on site survey within 1 hr of receiving a call. We photographed the site extensively, measured up the unit and compiled a detailed inventory of damaged stock and equipment. We then liaised with engineering experts and specialist suppliers and found that the majority the machinery and stock had been either fire damaged, water damaged or both. ICS met with the insurance companies loss adjusters the next afternoon and we discussed the loss in detail. The damage to the equipment effectively meant that our client was now out of business temporarily until he could purchase new equipment and find new premises , the duration of reinstatement and claim administration had to be kept to a minimum as our client had a number of large projects on the books for delivery. ICS put in place an extensive claims management plan within 24 hours and assisted our client in appointing specialist engineers and professionals to assess and quantify the loss to the specialist wood working equipment. ICS compiled, presented and negotiated the loss with the loss adjusters and worked very hard to secure a settlement that was acceptable to our clients within the tight time frame. ICS Claim management outcome Fire claims of this magnitude usually take a long time to assess and settle. This frequently causes the business to close down as the clients go elsewhere. The business owner found out that by using ICS, they had less production downtime, less stress, and received a much quicker and more favourable settlement. By handing the claim proactively and efficiently, ICS saved the insured’s livelihood and prevented their business from closing down.

https://insuranceclaimsolutions.ie/commercial-joinery-north-dublin/

Inflating or creating a false insurance claim is never a good idea. Depending on the level of fraud committed, penalties can range from a hefty fine to jail time. Many make think it is a victimless crime, but insurance fraud affects everyone. According to Aviva Canada, false insurance claims cost over $1.6 billion dollars annually, even with robust anti-fraud teams in place, and that money has to come from somewhere. Unfortunately, it is usually in the form of higher insurance premiums for everyone. Remember, it is illegal to profit off of an insurance claim in any way. Types of Insurance Fraud There are many different ways to create a false insurance claim. These are some of the most common that anti-fraud teams are well aware of and constantly on the lookout for. - Claims filed after a disaster (such as flooding in a home) listing items that did not exist. - Jewelry that is lost or stolen claimed to have a higher value than it actually did. - Claiming an item to have been lost or stolen when it wasn’t. - Declaring a vehicle to have been stolen when it has not been, and is perhaps hidden away in storage or on a different property or simply discarded somewhere. - Staged car crashes do occur. Claimants may want to write off their vehicle to receive its cash value or obtain access to costly medical service they may not have otherwise been able to afford. - Other staged car accidents may be a single driver who deliberately causes an accident by braking suddenly in order to claim whiplash injuries. - Deliberately set home fires are not as common, but they do happen. Policy owners may remove valuable items before the fire and then claim the loss of the most expensive. - Commercial liability fraud may occur through employers claiming injury, disease and death to members of the public or to an employee. Prove You Are Not Committing Fraud With Photographs After a car accident, everyone knows to take pictures of the damage to your vehicle, damage to any other vehicles, and any damage to private or public property. But it’s also important to take photos before an accident as well. You adjuster may not require them in order to process your claim, but it can greatly simplify the process to have them handy if necessary. Photos of your car prior to having been in an accident can prove its condition and make it much easier to evaluate which types of repairs are necessary. Every year at renewal time, carry out a thorough home inventory to document any new items and any changes or upgrades you have made. Photograph everything and be sure to let your insurance provider know of any added value to your home. For jewelry, always take numerous photos of your valuable pieces and make sure to have each appraised. Keep the appraisal documents in a safe space, such as a safety deposit box. Check the special limits of your policy for jewelry, as default limits can tend to be on the low side. Responsibilities of Insurance Companies Your insurance company is responsible for compensating you for reported losses according to the terms of your policy. Adjusters will review your claim along with receipts, photos, and other reported details of claim-related incidences to ensure you are reimbursed for damages within the parameters of your coverage. The kind of compensation you receive depends entirely upon the type of coverage that you purchase. If you are unsure about the terms and conditions of your insurance policy, contact us at your insurance renewal time so we can thoroughly go through your policy with you. It’s not unusual to simply purchase the first policy that is offered without asking the right questions, and that’s what we’re here for. We can help explain the language of your policy in a way you understand so that you know exactly what you are getting, and if you are unhappy with your coverage we can renegotiate with your current company or find a new policy that better suits your requirements. Remember, there should be no penalty for switching providers at renewal time. It’s your opportunity to make the changes you need. Trust Lane’s For All of Your Insurance Coverage Needs At Lane’s Insurance, we are here to assist you with all things insurance. Many mistakenly believe that all insurance brokers do is find insurance coverage for clients and then they walk away, but we pride ourselves for being advocates for our clients throughout the lifetime of their policy. This means not only finding you the very best coverage for your needs, but also being there for you is you should ever have a question that you don’t feel you are getting a clear answer for, if you need assistance with the claims process, and if you ever need documentation such as a certificate of insurance.

https://lanesinsurance.com/false-insurance-claims-are-a-crime/

How Does the Claims Process Work? If the adjuster determines there is damage when he meets with your contractor, it usually takes about a week (although in some cases it could be same day) you will receive a list of damages the insurance company has agreed to pay for, along with your first check. This is the ACV (Actual Cost Value) check. This represents the fair market value of your roof today. Much like a car, a 10-year-old roof is worth less than a new roof, and the difference between those two amounts is called depreciation. So, the ACV is the cost to repair or replace the damaged property, minus depreciation. The ACV plus the depreciation (which you will be paid AFTER the work is done), equals the RCV (Replacement Cost Value). Most storm damage contractors will agree to perform the work for the RCV amount paid by insurance, whatever that amount may be. So, your only out of pocket expense will be your deductible. So, for example, let’s say you have a 10-year-old roof, and the actual cash value of that roof is $8,000. Let’s also assume it will cost $15,000 to get your roof replaced with a new roof of like kind and quality (that would be the replacement cost value or RCV). The $7,000 difference represents the depreciation. The age and condition of the roof are considered when calculating this depreciation. The older the roof, the higher the depreciation amount. The insurance company will write you a check right away for $8,000 (ACV). If you do choose to have your roof replaced, then once the work is complete, your contractor will submit a certificate of completion to the insurance company for the work that was done. At that point, your insurance company will release your depreciation payment. Once received, you will either sign that check over to the contractor or deposit it into your account and issue a personal check to the contractor for the remaining balance of the work. Keep in mind that when the work is completed, the insurance company will issue a check for the recoverable depreciation (there may also be non-recoverable depreciation in some cases, but that is beyond the scope of this article- please ask your project manager to explain) only if the total expenses are equal to, or greater than the total settlement. Many people never get the final depreciation payment because they do not understand the process or the contractor, they chose didn’t understand the proper procedures. When this happens, you can lose thousands of dollars.

https://wordpress-383302-3882750.cloudwaysapps.com/insurance-claims-2/

NIS2 Directive and the Cyber Security Act: An analysis of the relationship to the security of the Czech Republic and the EU The implementation of the NIS2 Directive and the Cybersecurity Act in the Czech Republic brings new opportunities and challenges. Effective cooperation between the public and private sectors and flexible adaptation of legislation to the constant evolution of cyber threats are key. The Czech implementation of the Cyber Law is part of the European efforts to strengthen cyber security. It also raises the question of coordinating the EU cyber strategy and finding a balance between security measures and innovation for the competitiveness of the digital economy. The European NIS Directive2 and the draft new law on cyber security in the Czech Republic reflect evolutionary trends in the context of growing cyber threats. The approval of NIS2 in December 2022 showed that the European Union is aware of the complexity of today's cyber challenges and is working to prevent potential threats. The introduction of the directive into Czech legislation through a new law reflects the desire to adapt to current challenges and strengthen overall cyber resilience. The draft law on cyber security in the Czech Republic highlights the need to modernise the legal framework to better reflect current and future cyber threats. It emphasises the expansion of regulated entities and the implementation of new processes and tools to strengthen cybersecurity. At the same time, it introduces measures aimed at ensuring the security of supply chains to reduce dependence on external suppliers as a potential strategic threat. From a European perspective, the harmonisation of legal frameworks between Member States is a key step towards overall strengthening of cyber security within the European Union. This harmonisation of approaches across the EU is helping to create a single standard for cyber security, enabling effective responses to the challenges of the modern cyber age. The implementation of NIS2 and the new law on cyber security is thus not just a legislative step, but a strategic step towards strengthening the overall security of the Czech Republic and the European cyber space. The increase in cyber threats demanded action, and so the National Cyber and Information Security Bureau (NCIS) introduced an innovative law on cyber security. This legislation introduces new processes, tools and simplifications to the legislation contained in the proposal, highlighting their potential benefits to strengthen the Czech Republic's cyber resilience. The new legal framework encourages the expansion of the NCIB's competences and provides tools for far-reaching monitoring and protection of cyber assets in the Czech Republic. It also brings measures to protect strategically important sectors, where the need to have control over supply chains is emphasised. These measures not only reduce the risk of cyber attacks, but also strengthen the Czech Republic's sovereignty in the area of cyber security. In parallel with strengthening cybersecurity at national level, the NIS2 and the Czech law represent a significant step towards coordination and harmonisation within the EU. Effective cooperation in the field of cybersecurity is essential, especially at a time when threats cross borders and can have a systemic impact. Harmonisation of regulations and standards within the EU allows for faster and more effective responses to new threats and thus strengthens the collective resilience of Member States. In this way, the Czech Republic is actively contributing to building a unified and resilient European cyber infrastructure. The implementation of the NIS2 Directive and the Cybersecurity Act in the Czech Republic brings new opportunities but also challenges. Effective cooperation between the public and private sectors, including other stakeholders and interested parties, is crucial for the successful implementation of these measures. It is important to pay attention to the constant evolution of cyber threats and to flexibly adapt legislation to adequately reflect these threats. This implementation in the Czech Republic is not an isolated effort, but part of a broader European effort to strengthen cybersecurity. The question then is how the EU will continue to coordinate its cyber strategy, including the possible further development of the NIS2 Directive. Member States are expected to work together to strike the optimal balance between security measures and fostering innovation, which is essential for the competitiveness of the digital economy. In the context of global interconnection of digital spaces, it is crucial to strengthen international cooperation. The Czech Republic and the EU can actively contribute to shaping international cybersecurity standards and strengthening global cybersecurity stability. Participation in international initiatives and partnerships enables more effective resistance to threats that know no borders. At the same time, it is important to support education and information campaigns aimed at raising cyber awareness in civil society. Security awareness in the population is key to overall cyber resilience. Broad collaboration between the public and private sectors in this area strengthens society's ability to quickly identify and respond to cyber risks. The implementation of the NIS2 Directive and the new Cybersecurity Act paves the way for further steps in the field of cybersecurity in the Czech Republic and the EU. However, it is necessary to monitor not only the dynamic nature of cyber threats, but also to respond flexibly to new technological developments. Future success will depend on the ability to adapt to changing challenges and to create an innovative and resilient cyber ecosystem.

https://www.czdefence.com/article/nis2-directive-and-the-cyber-security-act-an-analysis-of-the-relationship-to-the-security-of-the-czech-republic-and-the-eu

Two people rescued from Bradbury house fire Published: 6th March 2006 Firefighters have rescued two people from a burning home in Bradbury in Sydney’s south west. Fire crews were called to the house just before 11.30 pm on 3 March 2006. When the Campbelltown crew arrived six minutes later they found a single level brick house well alight with the occupants trapped inside. Fire crews from Rosemeadow and St Andrews were also responded; 15 firefighters were committed to fighting this fire. Firefighters put on air cylinders to undertake a search and rescue. A firefighter forced entry through the rear of the house and found an unconscious woman lying in the kitchen. Another firefighter entered the house through a lounge room window and found a man in a bedroom. Both were removed to safety and treated for smoke inhalation injuries by firefighters and Ambulance officers before being conveyed to hospital. A Police officer and a neighbour who assisted the firefighters were also treated for the affects of smoke inhalation. Within 20 minutes fire crews had the fire contained to 60% of the house. They remained on the scene for another three hours completing extinguishment, mopping up and assisting with investigations. The Campbelltown Station Officer, George Brown, was proud of the efforts of his crew. ’The firefighters’ actions were the bravest I’ve seen in 26 years of firefighting,’ he said. Station Officer Brown also praised the efforts of the Police and a neighbour who attempted to gain entry to the burning house before fire crews arrived. Police officers also assisted firefighters to carry the casualties to the treatment area. The fire extensively damaged the house. The cause is being investigated by the NSW Fire Brigades’ Fire Investigation and Research Unit and the Police.

https://www.fire.nsw.gov.au/article.php?record=405

A fire ignites and explodes within moments, and can destroy everything. People who invest in fire safety systems gain significant advantages. Fire safety requires sensors, suppressors, sprinkler devices, extinguishers, and other equipment to alert or track threats. Such systems minimize structural loss, protect expensive equipment, supplies, and stock. For companies and home owners, fire protection consulting is very important, too, Fire protection consulting is critical both for your well-being and your properties. There are many safety appliances accessible in the marketplace, but only specialist experts can help you make the right decision. It may even be daunting for you to meet the design criteria, but they take very good care of all the fire protection gear needs when you employ firefighters. Benefits of Hiring Fire Protectors Here are the following benefits of hiring firefighters: Regular fire inspection is necessary to make sure that your workplace or residence does not have vulnerabilities. Fire safety checks or services are carried out to ensure that the house or workplace is safe and that any firefighting equipment is correctly laid down. Firefighters can track quality practices closely to guarantee that the site is safe. They give recommendations to enhance health and safety standards. 2. Safety Equipment Installation They know how to install the equipment in a prompt and secure way. They are aware of the uses of appropriate smoke alarms and sprinkler systems. The firefighting equipment must be replenished periodically, such as fire extinguishers. The deal to repair the equipment annually includes the firefighting operation. Cases with faulty appliances that contribute to fires in residence are very common, but contracted companies hold accidents at bay as they do not do regular maintenance. 4. Monitoring the fire alarms The early finding is essential to prevent costly damage and damage to properties. Fire fighters’ experts help you know about the potential threats of fire. Get Fire Protection Consulting from Roycans Most firefighters are available round the clock. You can call them to get fire services. At incredibly stressful periods of the time, you should not feel stress as we are here to help you out. We will let you know what to do and how to deal with such situations. Count on our fire and industrial safety consultants. Fire security is an enforcement operation. The purpose of fire protection is not limited to public regulation, but it safeguards your health. You can protect your expensive assets against the possibility of accidental fires anytime by employing fire safety services. You may also like: What Hazards you can encounter when working with Forklift?

https://www.lezeto.com/herss-why-you-need-to-hire-firefighters/

Don't get stung: Seven top tips that will make sure your insurance claim is successful Make the most of Money Mail's tips to enure some of the pain is taken out of replacing your prized possessions. TAKE PICTURES OR A VIDEO OF ALL YOUR BELONGINGS When it comes to insurance, a picture really is worth a thousand words. So take photographs and videos of everything you own. If you’ve a smartphone or an iPad, use it to take footage as you go from room to room. Pan round slowly and shoot close-ups of expensive items, such as electronics and jewellery — and don’t forget the shed and garage. Worry: Make sure you take the strain out of making an insurance claim Save on a memory card or hard disk, or email them to yourself so you’ll always have a copy. You may want to keep the disk in a safe place, such as a safety deposit box or even a relative’s house. Then, if the worst comes to the worst and your house is burned down or flooded, you’ll have a detailed record to make a claim. BE ACCURATE WITH THE VALUE OF POSSESSIONS When you take out home insurance, be accurate when you state the value of contents. Over-estimating will raise your premium and under-estimating can lead to large parts of any claim being turned down. For example, if you said you had £20,000 of valuables in your home, but actually had £30,000, you would be under-insured by about 33 per cent. If you claim for £10,000 and your insurer finds you are under-insured, it will knock a third off your claim and you’ll get just £6,666. About one in ten claims is rejected because the customer does not have enough insurance cover. DON’T JUST CHOOSE THE CHEAPEST FIRM Most households use a comparison website to find the best insurance quote. But the problem with these is they list policies by the cheapest price. It can mean that largely unknown firms can come at the top of your results. But to top the table, insurers will often scale back the cover provided. This may mean basic things you assume are included in the policy are actually excluded. Or it might be that the excess you have to pay before making a claim is very high. Try to call the customer services department of any insurer and see how you are treated. The Financial Ombudsman publishes complaints figures for insurers twice a year. Find them on its website (see below). Money Mail also publishes its Wooden Spoon Awards for bad customer service in January — and insurers often feature in the list. A new company, Fairer Finance, tracks major insurers over three years and rates them out of 100 according to their transparency and how they handle complaints. You also need to watch out for different brands where the insurance is provided by the same company. If you go with Insure & Go, Flexicover, Top Dog or Virgin Money, Spanish insurer MAPFRE will be underwriting your policy and possibly administering it, too. MAPFRE’s record at the Ombudsman is pretty poor — with 46 per cent of complaints upheld in the customer’s favour over the past three years, according to Fairer Finance. LOST SOMETHING? REPORT IT NOW Most insurers require you to file a claim within a strict time limit of an incident occurring. So, don’t delay. If your mobile phone is stolen, you’ll often have to report the theft to police within 24 hours and inform the insurer within 48 hours. Fail to do this within the given time and your whole claim may be rejected, or you’ll be left to foot the bill for any fraudulent calls made. For this reason, always keep your insurance details to hand. NEVER TRY TO FIX SOMETHING FIRST Most insurers have deals with repairers and stores. If you need to claim, these will be on hand to help. So, no matter what happens — whether it is your roof being blown off, damage to your car or a leaky pipe — don’t get someone to fix it without calling your insurer first. It may well be that you’ll be allowed to choose a preferred tradesman. But if you’re not, then you could find your claim is turned down. BE HONEST WITH YOUR INSURER At Money Mail we see hundreds of sad cases where people have a travel insurance claim turned down because they have not told a firm about a medical problem. If you’ve been referred to hospital for a consultation, tell your insurer (even if you’ve had the all-clear). And don’t book a holiday if you are awaiting test results. Be open and honest about past illnesses or treatment, and don’t forget about medication you may be on. It is better to pay a little more for insurance than to lose the cost of a holiday if you have to cancel a trip. The same goes for home insurance if you buy costly new items. The good news is the Ombudsman takes a dim view of insurers that abuse exclusions to avoid paying out or reject claims if the information you failed to give doesn’t have much to do with your claim. COMPLAIN - THEN COMPLAIN AGAIN Insurers regularly make mistakes when dealing with claims. The Financial Ombudsman finds in favour of the consumer in 40 per cent of cases where it is called to mediate. And this is across all insurance. Some types of cover have a much higher rate. Customers who complain about mobile phone insurance win in 73 per cent of cases, and card protection insurance is 75 per cent. Keep any letters and a record of all phone conversations. Contact the Financial Ombudsman Service by calling 0300 123 9123 or visiting its website. 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https://www.thisismoney.co.uk/money/bills/article-2594430/Money-Mails-tips-help-make-sure-insurance-claim-pays-upmm1.html

Have you ever gone for an insurance claim? Did you also get irritated with the slow and clunky process of claiming? Then, let’s meet Sprout AI. Sprout AI, a tech company, uses AI to revolutionize the claims process for significant insurance companies worldwide. Their software, designed for the insurance industry, simplifies the entire journey from claim initiation to settlement. This process could drag on for a month or even longer in the pre-Sprout era. Thanks to Sprout, it happens almost in the blink of an eye. This isn’t just a win for insurers; it’s a game-changer for claimants too. No more slogging through dense documents and unorganized data. Instead, claim handlers can dedicate their time to empathizing with claimants, ensuring a more compassionate and overall superior experience. Sprout AI Story Before Sprout entered the scene, processing insurance claims used to drag on for up to a month and sometimes even longer. But now, thanks to Sprout’s cutting-edge technology, it happens in near real-time. This transformative tech has already found its way to insurance giants like Zurich and MetLife, automating tasks that once took hours and wrapping them up in seconds. In a conversation with Startups earlier this year, Sprout AI co-founder Niels Thoné shared his vision of success, driven by a desire for a better experience throughout the claims process. Thoné emphasized, “Ultimately, the end goal is to create business value while positively impacting people’s lives. Our mission is simple – to help people when they are most vulnerable. We will have achieved our goal if we have assisted 100 million people with their claims.” What’s the future? The ultimate aim is to generate business value while positively impacting people’s lives. Achieving satisfaction from hundreds of millions of customers is no small feat. Yet, armed with the support of several insurance companies and a tech team brimming with top-notch talent, Sprout.ai is strategically planting the seeds for success in the trillion-dollar insurance market in the years to come.

https://www.trickyenough.com/news/sprout-ai-get-quick-and-easier-insurance-claims/

SAN FRANCISCO (AP) — Firefighters say they hoped dying winds would enable them to bear down on a wildfire that exploded in the Northern California wine country, prompting tens of thousands of evacuations while a second blaze killed at least three people. The Glass Fire raged through Napa and Sonoma counties on Monday, tripling in size to around 56.6 square miles (146.59 square kilometers) without any containment. Some two dozen homes had burned, the San Jose Mercury News reported. The fire north of San Francisco was driving through brush that hadn’t burned for a century, even though surrounding areas were incinerated in a series of blazes in recent years. But dry winds that gave the flames a ferocious push appeared to have eased by Monday evening and firefighters were feeling “much more confident,” said Ben Nicholls, a division chief with the California Department of Forestry and Fire Protection, known as Cal Fire. “We don’t have those critical burning conditions that we were experiencing those last two nights,” he said. The Glass Fire is one of nearly 30 wildfires burning around California and the National Weather Service warned that hot, dry conditions with strong Santa Ana winds could remain a fire danger in Southern California into Tuesday. In a forested far northern part of the state, more than 1,200 people were evacuated in Shasta County for the Zogg Fire. Three people have died in the fire, Shasta County Sheriff Eric Magrini said Monday. He gave no details but urged people who receive evacuation orders: “Do not wait.” Residences are widely scattered in the area, which was torched just two years ago by the deadly Carr Fire — infamously remembered for producing a huge tornado-like fire whirl. Pacific Gas & Electric had cut power to more than 100,000 customers in advance of gusty winds and in areas with active fire zones. The utility’s equipment has caused previous disasters, including the 2018 Camp Fire that killed 85 people and devastated the town of Paradise in the Sierra Nevada foothills. By Monday night, the utility said it had restored electricity to essentially all of those customers. However, PG&E said about 24,000 people remained without power in areas affected by two fires in Napa, Sonoma, Shasta and Tehama counties. So far in this year’s historic fire season, more than 8,100 California wildfires have killed 29 people, scorched 5,780 square miles (14,970 square kilometers), and destroyed more than 7,000 buildings. The Glass Fire began Sunday as three fires that merged and drove vineyards and mountain areas into eastern Santa Rosa. Some 70,000 people are under evacuation orders, including the entire 5,000-plus population of Calistoga in Napa County. Some people were injured and Sonoma County sheriff’s deputies had to rescue people who ignored evacuation orders, officials said. Sonoma County Supervisor Susan Gorin, who lives in the Oakmont area of Santa Rosa, heeded the order to flee late Monday night. It took her nearly two hours of crawling along a jammed road to reach safety. Gorin’s home was damaged in another fire three years ago and she was rebuilding it. She saw three neighboring houses in flames as she fled. “We’re experienced with that,” she said of the fires. “Once you lose a house and represent thousands of folks who’ve lost homes, you become pretty fatalistic that this is a new way of life and, depressingly, a normal way of life, the megafires that are spreading throughout the West.” Gorin said it appeared the fire in her area was sparked by embers from the Glass Fire. Ed Yarbrough, a wildfire evacuee from St. Helena in Napa County, watched firefighters douse flames across from his house Monday. “I can see in the distance that it looks like it’s intact,” he said but said spot fires were still being doused. “So I know we’re not really out of the woods yet, and the woods can burn,” he said. The fires came as the region approaches the anniversary of the 2017 fires, including one that killed 22 people. Just a month ago, many of those same residents were evacuated from the path of a lightning-sparked fire that became the fourth-largest in state history. “Our firefighters have not had much of a break, and these residents have not had much of a break,” said Daniel Berlant, an assistant deputy director with Cal Fire. Officials did not have an estimate of the number of homes destroyed or burned, but the blaze engulfed the Chateau Boswell Winery in St. Helena and at least one five-star resort. Numerous studies in recent years have linked bigger wildfires in America to climate change from the burning of coal, oil and gas. Scientists say climate change has made California much drier, meaning trees and other plants are more flammable. Associated Press reporters Christopher Weber and John Antczak in Los Angeles, Juliet Williams in San Francisco and Haven Daley in Santa Rosa, California, contributed to this report. Image: Smoke rises over a vineyard as the Glass Fire burns, Monday, Sept. 28, 2020, in Calistoga, Calif. (AP Photo/Noah Berger)

https://244.18.118.34.bc.googleusercontent.com/dying-winds-give-crews-hope-in-northern-california-fires/

Are you a Toronto homeowner looking to make some upgrades to your home? Well, have you considered upgrading your boiler? It may not be the first thing that comes to mind when thinking about home improvements, but trust me, it’s worth considering! In this blog post, we’ll explore why upgrading your boiler can be beneficial for both your comfort and your wallet. So grab a cup of tea (or coffee) and let’s dive into the world of boilers! Why upgrade your boiler? When it comes to upgrading your boiler, there are several reasons why it’s a smart move for Toronto homeowners. An upgraded boiler can greatly improve the efficiency of your heating system. Older boilers tend to be less energy-efficient, which means they consume more fuel and ultimately result in higher utility bills. By investing in a new boile boiler replacement toronto, you’ll not only save money on your monthly heating costs but also reduce your carbon footprint. Another reason to upgrade is improved reliability. As boilers age, they become more prone to breakdowns and malfunctions. This can leave you without heat during those cold winter months when you need it most! Upgrading to a newer model will give you peace of mind knowing that your boiler is reliable and less likely to experience unexpected issues. Additionally, modern boilers offer advanced features that older models simply don’t have. For example, many newer boilers come with programmable thermostats that allow you to easily control the temperature settings in your home. This level of customization ensures optimal comfort while also helping you manage energy usage efficiently. Let’s not forget about safety concerns. Older boilers may pose a risk with their outdated components or potential gas leaks. Upgrading your boiler ensures that you have the latest safety features installed, giving you confidence in knowing that both yourself and your loved ones are protected. So whether it’s saving money on energy bills, improving reliability and comfort levels or prioritizing safety – upgrading your boiler is definitely something worth considering for any Toronto homeowner! The benefits of upgrading your boiler When it comes to upgrading your boiler, there are a multitude of benefits that can greatly enhance the comfort and efficiency of your home. An upgraded boiler can provide improved energy efficiency which translates into cost savings on your monthly utility bills. With advancements in technology, newer boilers are designed to operate with greater efficiency, ensuring that you get the most out of every unit of fuel. In addition to saving money, upgrading your boiler can also have positive environmental impacts. Older boilers tend to be less efficient and produce higher emissions compared to their modern counterparts. By investing in a new boiler system, you not only reduce your carbon footprint but also contribute towards a greener future for our planet. Another advantage is the increased reliability and durability offered by upgraded boilers. Older units may start experiencing more frequent breakdowns or require costly repairs due to wear and tear over time. Upgrading allows you to enjoy peace of mind knowing that your new boiler will operate smoothly and reliably for years to come. Furthermore, newer models often come equipped with advanced features such as programmable thermostats and smart controls. These innovative technologies allow for better control over heating schedules and temperature settings, resulting in optimal comfort levels tailored specifically to suit your needs. Upgrading your boiler can also add value to your home should you decide to sell in the future. Buyers appreciate energy-efficient homes with updated systems as they offer long-term savings on utility bills while providing reliable performance. Upgrading your boiler offers numerous benefits including increased energy efficiency, reduced environmental impact, enhanced reliability and durability; along with advanced features for customized comfort settings – all factors contributing towards maximizing both financial savings and overall satisfaction as a homeowner

https://businesssmash.com/benefits-of-upgrading-your-boiler-a-toronto-homeowners-perspective/

Health Insurance Broker In Centennial, CO Struggling to find the right health benefits in Centennial, CO? You’re not alone. It can be difficult to find the right individual, family, or business policy. Everyone is different, and everyone’s budget and health needs are different. So, DesignTM Health is here to help. As leading Centennial, CO health insurance brokers, we’ll help you pick the right policy for your own unique situation. Find The Right Centennial, CO Health Benefits With DesignTM Health Don’t spend hours searching online or calling health insurance companies. As a health insurance broker in Centennial, CO, DesignTM Health does the legwork for you. We’ll listen to you and your unique needs, then work on your behalf to find the policies that will work for your family, your employees, and your budget. We simplify the process and help you eliminate stress, headaches, and wasted time. Why work with DesignTM Health in Centennial? Because we have a reputation for excellence – not just in Centennial, but throughout Colorado. Our health insurance brokers in Centennial, CO have been serving Colorado residents with pride for years, and we have a deep understanding of major insurers, state and local benefit requirements, and other such topics – ensuring you get the right policy for your situation. Specializing In Centennial, CO Midsize Group Coverage Midsize group coverage is meant for companies with 51-100 employees, and it’s one of our specialties. If your business is growing and you want to expand your Centennial, Colorado health benefits for employees, we’re here to help. We will work with you to choose a policy that offers excellent benefits at a reasonable rate.

https://designhealth.com/centennial-colorado-health-insurance/

Hunting and Outfitting Specialty Risk Insurance Agency provides industry tailored insurance for the hunting and outfitting professionals. If you lead or teach others in fishing, hunting, horseback riding, cross country skiing, boating, snowmobiling, hiking, biking, or photography tours, we can help you. If you own a hunting lease, campground, shooting range, gun club, fishing charter, hunting preserve, or lodge we can help with your insurance needs, too. We write custom insurance policies, which allow you to ride with confidence. Protect your horses, barns, trailers, and tack investments with a custom policy by a Specialty Risk Insurance Agency producer. Insuring your purchase before you leave the sale is the second most important move after selecting the next addition for your equine program. Headquartered in Carthage, Missouri, our sales team knows what’s important to your policy because they live and breathe the equine industry, too. As a horse owner, equine liability covers your home and your horse operation, on and off premises, including boarding, breeding, racing, training, horse shows, and riding instruction. We not only write policies for horse owners, but also for veterinarians, trainers, and barn owners. Our custom policies can include transportation, mortality, life insurance, workers compensation, and group and individual health insurance.

https://specialtyriskinsuranceagency.com/services/farm-and-ranch/hunting-and-outfitting

Recently updated on February 6th, 2024 at 04:26 am Alfa Insurance offers property and casualty insurance services. It provides insurance for automobiles, home, farm, health care, business, life insurance, etc. Today, we will discuss about Alfa Insurance hours of operation that includes Alfa Insurance opening hours, closing, holiday hours, Easter labor day opening and closing business hours. Most Alfa Insurance stores/locations are OPEN on these holidays – New Year’s Day – Martin Luther King, Jr. Birthday – Good Friday – Memorial Day – Independence Day – Labor Day September – Veterans Day Alfa Insurance Regular Business Hours - Weekdays: The customer service department is open Mon to Friday: 6:00 am – 10:00 pm CST, weekdays. - Weekends: The customer service department is open Sat: 6:00 am – 10:00 pm CST, Sunday: OFF closed in the event a holiday falls on a weekday or weekend, Alfa Insurance is open for business. - Faults & Customer support: Alfa Insurance’s faults and customer support teams are open for all year round during working days & also public holidays. What time does Alfa Insurance open and close? Monday to Friday: 8:00 AM – 5:00 PM |Store hours today Alfa Insurance Special Event Hours The Alfa Insurance website offers details relating to hours of operation. Customer service is closed on most public holidays. When you connect with the customer service department, you will notice the company observes Federal holidays. - New Year’s Day - Christmas Day Alfa Insurance Special Event Hours Alfa Insurance company holds special events from time to time. You’ll have to contact the customer service department to explore the hours of special events. Contacting Alfa Insurance to Verify Business Hours - Phone Number: You can reach Alfa Insurance customer support by calling 1-800-964-2532 number directly. - Mail: You can send your correspondence to the corporate headquarters here: 2108 E South Blvd, Montgomery, AL 36116, United States. - Social Media: Customers can connect with the customer service department through social media using their official Alfa Insurance or Twitter page and click on the “message” button. you will receive a response from the customer service department within 24 hours What is the phone number for Alpha insurance? Is Alfa Insurance only in Alabama? Alfa Insurance knows Alabama, Mississippi and Georgia drivers! We are your local insurance company who truly cares about our customers and makes it easy to get the coverage you need at a competitive price you can afford. Is Alfa Insurance available in Florida? Alfa Insurance is only available in Alabama, Mississippi, Georgia, Texas, Missouri, Indiana, Ohio, Virginia, Tennessee, Arkansas, Kentucky, Florida, and North Carolina. It is still affiliated with Alabama Farmers. What does Alfa Insurance cover? Pays for damage (less your deductible) to your vehicle resulting from glass breakage, collision with an animal, fire, theft, hail or vandalism. Payment for transportation expenses following a theft of the entire covered car. Limited coverage for non-owned cars including rental car. Hopefully, we helped you to get some genuine hours details for Alfa Insurance. Got some questions? Or some suggestions? That’s why we’ve got a review section on this site! You can feel free to leave a review or two down below and we’ll get back to you as soon as possible! Also Read: Dollar Tree Hours Alfa Insurance Reviews Submit your review have been to many NFCU's from state to state ..this one is by far one of the nicest one. It is good to know that navy federal credit union keeps its customer service consistent through and through.

https://us-hoursguide.com/alfa-insurance-hours/

As freight brokers, we are the link between our customers and the transit of their goods. Properly vetting motor carriers is a critical responsibility and we walk you through the steps. What is a Freight Broker? A Freight Broker is an intermediary that connects transportation companies with companies that need goods shipped. So, why can’t carriers and shippers work together directly without a freight broker’s involvement? What compels a shipper to pay extra to a broker instead of dealing directly with a carrier? In this blog, we will address these questions and more. Table of Contents What Defines a Freight Broker? Let’s begin by defining what is a freight broker. According to the FMCSA, a freight broker acts as the intermediary between a shipper and a motor carrier. Freight brokers arrange for the transportation of property or household goods. They do not transport the property, operate motor vehicles, have drivers, or assume responsibility for the cargo transported. Thus, they do not directly engage with the cargo. What Does a Freight Broker Do? In a typical transaction involving a broker, a shipper will tender a load to a freight broker. The broker then contacts a motor carrier that meets the shipper’s specific requirements for that load (such as equipment type, insurance coverage, pickup, delivery time, etc.). The broker negotiates a rate for the shipment and sends a rate confirmation, detailing the shipment specifics to the carrier. These details are identical to those provided by the shipper, except for the rate. The broker charges a fee for locating the carrier, arranging pickup, funding the carrier, and tracking the shipment through to delivery. Once the load is delivered, the broker pays the carrier and invoices the shipper. Typically, the carrier is paid before the broker receives payment for the shipment, usually within 15-20 days. Sometimes, the carrier is paid sooner for an additional fee, known as a quick pay fee. Subsequently, the broker receives their payment from the shipper in about 30 days. Why Do Shippers Use Freight Brokers? Now, many ask why shippers don’t just work directly with carriers and bypass the freight broker. In fact, most shipments in the market are direct transactions between shippers and carriers without a freight broker’s involvement. So, why and when would a shipper need to use a freight broker? Consider a common scenario where a shipper needs to work with a freight broker: unexpected changes in shipping volumes. For instance, imagine you’re a manufacturer of this year’s most popular toy, “The Barbie Movie Collectible Doll.” You expect to sell five truckloads of this toy every week from now until Black Friday, planning months in advance to ensure sufficient inventory and warehouse space. However, upon product launch, sales exceed expectations, leading to stockouts at retailers like Target and Walmart, resulting in customer complaints. This situation presents logistical challenges as each retailer requires different numbers of truckloads on varying days. This is where a freight broker steps in. They provide temporary capacity to manage the unpredictable fluctuations in customer orders. They quickly access the open market of carriers to hire them temporarily, meeting the seasonal need. This benefits both the shipper, who obtains needed trucking capacity swiftly, and the carriers, who gain work from an unexpected customer. Another example is seasonal shipping volumes, like in agriculture. Consider a watermelon farmer who needs to ship produce during a brief harvest window. The farmer’s regular carriers might not be available or may no longer operate in the area. Here, a freight broker is invaluable in ensuring every load of watermelons is picked up and delivered, preventing spoilage and loss. What is a Freight Broker, TL;DR So what is a freight broker? In summary, freight brokers provide flexibility in a constantly changing market. They are instrumental when shippers need to rapidly adjust to changing order volumes or when carriers need to fill gaps in their schedules. This open market collaboration between freight brokers, carriers, and shippers ensures efficiency and responsiveness to dynamic market needs.

https://www.freight360.net/what-is-a-freight-broker-2/

Are you getting the best deal for your business van insurance? By law, all vans on the road in the UK need van insurance, but that doesn’t mean one size fits all. See if our van insurance is right for you – and make sure you're protected should the worst happen. We offer van insurance if you use your van for any work reasons, such as helping to run your business or getting to and from job sites. If you only drive your van for social reasons (including commuting to a single place of work), we can’t provide cover. When you buy van insurance from us, you'll get to pick between third-party fire and theft cover and comprehensive van insurance. If you opt for comprehensive van insurance, you'll get: *if the injury is the cause of a loss of limb, or permanent loss of sight in one or both eyes RAC breakdown cover Protect your no claims discount The RAC fix 4 out of 5 breakdowns at the roadside, and they're usually with you in less than an hour** Make no more than two claims in a five year period and your discount won't be affected*** **in 2022 59.4% of breakdowns were attended in an hour or less ***the overall price of your policy isn't protected. The price of your policy could still go up when you come to renew, even if the accident was not your fault It's important to make sure you're protected should the worst happen with your van. Sign up below, and we'll send you a reminder when it's time to buy van insurance. You may also receive a call from one of our insurance experts, who can help you get the cover that's right for you. Find all the information you need about your business van insurance policy, including product information, policy wording, and your Terms of Business Agreement. 6th Floor99 Gresham StreetLondonEC2V 7NG Northampton 900900 Pavilion DriveNorthamptonNN4 7RG © Copyright 2024 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London, EC2V 7NG.

https://www.simplybusiness.co.uk/business-insurance/business-van-insurance/

20th March 2020 The worldwide spread of the Coronavirus has resulted in emergency measures and Government guidance about restricting physical contact with other… If you’ve been in an accident at Superdrug, claim compensation with Clearwater Solicitors! Speak to our skilled and experienced team today by calling 08000 430 430. Alternatively, just fill in our online enquiry form and we will get back in touch with you. To claim compensation for an accident at Superdrug, your case must meet two criteria: – Superdrug must have been negligent in its duty of care Superdrug has a duty of care towards its shoppers, its employees and the general public. This means it must take all reasonably practicable steps to ensure people do not suffer injuries while in its premises. This will include conducting regular risk assessments, training staff appropriately, putting effective management systems in place, and ensuring all its products are safe and suitable for consumers to use. Superdrug is also vicariously responsible for its employees, so if a member of staff behaves in a negligent way, you can still hold the company liable in a Superdrug injury compensation claim. – This negligence must have directly led to a personal injury Your compensation claim against Superdrug will consider the extent of your injuries, how they have affected your quality of life, and the pain and suffering you have endured. You will also be able to recover your financial losses, so if Superdrug was entirely to blame for the accident, you shouldn’t miss out on a penny. If you want to make a compensation claim against Superdrug, then Clearwater Solicitors can help you out. You may be able to increase the overall size of your claim and give yourself the best possible chance of success with the following tips: – Take photographs If possible, take photographs of the area your accident happened in and anything that relates to it, such as flooring you slipped on or items that fell from shelves. This may help you to prove that Superdrug behaved in a negligent fashion. – Collect witness contact information If you can, take down the details of anyone who witnessed your accident, so they can support your Superdrug injury compensation claim. – Report the accident to Superdrug Tell staff at the store you were shopping in that you suffered an injury on their premises. Ensure that the details of your accident are recorded in the store’s accident book. – Keep a record of your losses Because you can reclaim any losses that you faced due your accident at Superdrug – such as lost wages, medical expenses, household renovations or transport costs – you should keep a hold of any wage slips or receipts that prove these losses. This will help you increase the size of your compensation claim against Superdrug. Provide all the information you have gathered to Clearwater Solicitors and we will help you succeed in your Superdrug accident claim. To get started, just give us a call on 08000 430 430 to speak with an expert. You can also fill in our handy online enquiry form to request a call back.

http://www.clearwatersolicitors.co.uk/personal-injury/can-i-claim-for-accident-at-health-and-beauty-retailerpharmacist/can-i-claim-for-accident-at-superdrug/

Vehicle modifications are changes that you as a driver can make to your vehicle to alter the way it looks or performs. Some are considered cosmetic changes that personalize your vehicle, while others are mechanical modifications that can affect how the vehicle performs on the road. It’s important to keep in mind that some modifications can cause your car insurance premium to increase. Consider these four vehicle modifications and how they might impact your rate. 1. Increasing horsepower One popular vehicle modification is increasing the vehicle's horsepower, which your insurance provider may see as a negative. Because this modification affects your vehicle’s performance, your insurance provider needs to be made aware of it. Vehicles with increased horsepower don’t take much to get to high speeds, making them riskier on the roads. Because of this, your insurance provider may increase your premium. 2. Window tint Although tinting your windows is a common vehicle modification, it’s not legal in all provinces across Canada nor is it always deemed to be a safe upgrade. Making modifications to your vehicle’s windows can have an influence not only on its value, but its safety level, too. If the driver side window is tinted too dark, outside road users, including pedestrians, would be unable to know if eye contact was being made with the driver. Tinted film can also make it more difficult to be rescued from a vehicle in the event of a serious collision, as the glass can no longer be broken effectively with a window punch. So, any added risk to personal safety will be considered by your insurance provider. 3. Vehicle wrap Some drivers may want to change the look of their vehicle and will opt for a vehicle wrap. Changing the colour of your vehicle using paint won’t not affect your insurance premium but adding a car wrap can. Since a car wrap is costly, it could raise the overall value of your car, which could in turn increase your insurance premium. Wrapped vehicles also tend to be targets for theft and vandalism. 4. Roof rack Adding a roof rack is considered a functional vehicle modification and installing one without notifying your insurance provider could affect your ability to make a claim. Not only can a roof rack change the overall value of your vehicle, but it can also affect how your vehicle holds up in a collision. Depending on what you’re storing on the rack at the time of the accident, the extra weight and height of various objects, like bicycles or kayaks, will influence the aerodynamics of your vehicle and how it sustains damage. Failure to disclose a modification like this can result in a denied claim or your policy being cancelled. Notify your car insurance provider before modifying your vehicle Before you decide to make any modification to your vehicle, you should contact your car insurance provider. Not all car insurance providers will offer modified vehicle coverage due to the perceived risks related to the process. It’s wise to check with your insurance provider to ensure that they will cover you prior to modifying your vehicle. If your insurance provider is open to covering your vehicle after you make the modification(s), they would provide you with an updated quote. This will give you a general idea of how much your premium will change, if at all. However, comparing car insurance rates among different providers is still recommended to ensure you’re getting the lowest rate offered in Canada. Interested in creating content with RATESDOTCA? Reach us at email@example.com. Don't waste time calling around for auto insurance Use RATESDOTCA to shop around, and compare multiple quotes at the same time.

https://rates.ca/resources/4-vehicle-modifications-impact-auto-insurance-rate

For decades, military firefighters have bravely faced the flames, putting their lives on the line to protect others. While their courage is undeniable, recent studies reveal a stark reality. These heroes face a hidden enemy – cancer, potentially linked to their exposure to hazardous chemicals used in firefighting foam. The Guardian reported that firefighters are more than three times as likely to die from specific cancers than the general population. Rates of prostate cancer, leukemia, and esophageal cancer were particularly elevated, with firefighters facing 3.8, 3.2, and 2.4 times the respective risks. This highlights the need to understand the link between AFFF, a firefighting foam containing PFAS chemicals, and cancer in firefighters. This article delves deeper into this critical issue. It explores the evidence connecting AFFF exposure to various cancers and the legal implications for manufacturers. Overview of AFFF and Its Historical Use Aqueous Film-Forming Foam (AFFF) traces its roots back to the collaboration between the US Navy Research Lab and the 3M chemical corporation in 1966. According to The Bibb Voice, this foam swiftly emerged as a potent tool for extinguishing petrol fuel fires. This was due to its unique ability to form a smothering film. By the early 1970s, AFFF had become a standard feature on military bases, civilian airports, and firehouses across the country. The flame-suppressant prowess of AFFF can be attributed to the inclusion of per/polyfluoroalkyl substances (PFAS) in its formulation. PFAS are synthetic compounds colloquially known as ‘forever chemicals’ for their enduring molecular bonds that resist natural decay. However, the use of AFFF has been subject to controversy. Internal documents spanning decades suggest a lack of disclosure regarding its potential health hazards. Research reveals that PFAS are responsible for elevated cancer risks, hormonal disruptions, and compromised immune responses in children. Firefighting Practices in the Military For decades, AFFF has been the mainstay of military firefighting practices. It served as a powerful and versatile tool in both training exercises and emergency response situations. However, the widespread use of AFFF came at a hidden cost. The Wisconsin Examiner sheds light on the experiences of U.S. military firefighter Kurt Rhodes, who dedicated 32 years to the profession, relying on AFFF. Rhodes highlights that many firefighters, unaware of the potential health risks, were unknowingly exposed to PFAS present in the foam. The extensive use of AFFF has left its mark on over 700 active and former military installations across the United States. Additionally, the contamination extends beyond military bases, potentially exposing millions of citizens to the health risks associated with the exposure. Legal Actions Taken by Military Firefighters Military firefighters, particularly those in the Navy, have been at the forefront of exposure to AFFF. This is due to its extensive use in extinguishing aircraft fires and containing flames near fueling operations. Recognizing the potential dangers, military personnel are taking legal action against AFFF manufacturers. They seek compensation and accountability for health problems linked to their exposure. One significant case is the AFFF lawsuit by Navy veterans. Navy personnel allege that they were not warned about the risks of AFFF. They thereby hold the AFFF manufacturers responsible for their various health issues, including cancer. TruLaw emphasizes that this lawsuit underscores the growing awareness about PFAS exposure and its potential health risks. These legal actions signify a pivotal stride towards making manufacturers answerable for their failure to forewarn personnel about the dangers of AFFF. Regulatory Responses to the Concern The response of government agencies to the escalating concerns surrounding cancer in military firefighters has prompted regulatory changes and guidelines. According to Pasadena Weekly, the case of Michael Lecik, a former U.S. Air Force firefighter, serves as a poignant illustration of the need for regulatory intervention. Despite his benzene exposure risk during firefighting duties, Lecik faced VA denial of disability compensation and tragically succumbed to cancer in 2021. In response to such instances, Rep. Abigail Spanberger introduced the Michael Lecik Military Firefighters Protection Act in 2020. This proposed legislation seeks to establish presumptions of service connection for diseases associated with firefighting in military firefighters. It encompasses conditions like multiple myeloma, heart disease, kidney cancer, and lung cancer. If enacted, the bill would compel the VA to recognize the correlation between firefighting and these diseases. It will provide essential benefits to eligible veterans with a minimum of five years of service in firefighting roles. In conclusion, the intertwining narratives of AFFF and military firefighters unfold a troubling story that transcends the heroism associated with firefighting. From its inception to its widespread use on naval bases and beyond, AFFF has proven to be a double-edged sword. It has simultaneously offered invaluable fire-suppression capabilities and harbored hidden health risks. As we navigate this intricate landscape, it is evident that a comprehensive approach is essential. Balancing the need for effective firefighting tools with safeguarding those who protect us requires continual scrutiny and reform. The journey toward justice and enhanced safety emphasizes the imperative to learn from the past and fortify a safer, healthier future.

https://topportal.org/the-link-between-afff-exposure-and-cancer-in-military-firefighters/

Taking an insurance policy is easy, claiming insurance is not. People often face situations in which even a valid claim is not granted. The reason behind this is not always a dishonest insurer. Sometimes it is because people fail to make claims properly. For a claim due to house robbery, one needs to be quick after the incident takes place. A police report should be filed since the insurance company requires the police report to ensure that the theft actually took place. The company should be notified of the robbery so that their agents may come and inspect the place. The list of the things that were stolen and the receipts or bills of the things for which the claim is to be made are also among the proof documents that are necessarily required in such cases. This letter can be used to claim insurance due to house robbery. Mr. Corden James Prime Health Insurance Company Good day. I am writing to inform you that I need to claim the home insurance policy which I am presently availing myself at your company, Prime Health Insurance. My full name is Edgar Dorothy, and my insurance policy number is 9090-3829-1783 which I availed in Jene of the previous year. I wish to claim this policy now because my house has been robbed on the evening of 25th January 20XX. I was away on a trip to Central London with my wife and kids. When we returned the next day, we found the house in a mess and realized that we have been robbed. The robbers took expensive jewelry items, my laptop, and in addition, broke several window panels and glass panels to run away. I have reported the matter to the police, and they are investigating the matter on a priority basis as this has never happened in our neighborhood before. In addition, I have contacted three jewelry stores to get estimated prices on the jewelry items stolen. I will share this information with you as soon as the stores update me regarding this. Please let me know if any other formalities need to be met for me to make a claim on my insurance. Your representative is welcome to visit us anytime for confirmation or any further information regarding this matter. I look forward to hearing from you. Thank you and regards, Dear Mr. Anderson Lee, Hope all is well at your side. I wish to inform you that I want to make a claim on my insurance policy number 902-39-2920 at your Company ‘Healthy Life Insurance’. Unfortunately, I have been robbed of precious items and personal belonging from my home on Block D, West Street. I found out two days later when I returned home from a work trip. The local police department has been informed and they are currently investigating this matter. I contacted your company by call yesterday and they sent a representative over to my place. He has performed all the necessary inspections and must have reported back to you by now. Therefore, I am writing this letter to officially make a claim on my insurance policy. According to the policy I am currently enrolled in, your company is liable to cover 80 percent of the financial loss inflicted on the user. Please let me know if any more documents are required so I can arrange them and initiate this process as soon as possible. I hope you understand that this incident has caused me a lot of distress and created financial problems for me and therefore I would appreciate your prompt response in this matter. I am available for an in-person meeting or any formalities that may be required by your company to initiate this process. Thank you for your cooperation in this regard. Ms. Anna Karim. As your agent visited my house yesterday after the incident of robbery and did the necessary inspection, I am now writing to you to claim my insurance. As per the insurance policy, in the case of theft or robbery, the company is due to reimburse me 100%. I have attached all the necessary documents along with this claim form and thereby claiming my insurance. Kindly inform me if any other proof documents are required and I will dispatch them as soon as possible. I hope that the settlement will be made within this month. Thank you!

https://writeletter2.com/category/claim-letters/?amp=1

About this Course One of the hottest issues facing the insurance industry today involves toxic mold claims under both personal and commercial lines policies. After several recent multiomillion dollar judgments, attorneys are comparing this to asbestos and lead paint claims with regard to the litigation potential. From the standpoint of commercial exposures, toxic mold claims are beginning to rival 'construction defect' claims in numbers and magnitude. Home and business owners are looking to their insurers and contractors, building material suppliers, plumbers, and others for remuneration for real or perceived property damage and bodily injury. Mold exists everywhere in our environment. Some molds like penicillin are beneficial, while other types of mold can cause health problems. Concern over so-called 'toxic mold' is growing as the medical community begins to understand some of the ailments such mold can cause. Other than EPA and CDC guidelines, there appear to be few, if any, state or federal regulations regarding mold infestations and remediation. Lack of mold awareness also has been part of the problem. The truth is that while liability issues may be debated among insurers, property professionals, and others, uncontrolled mold growth will only heighten property and health claims unless quickly checked and remediated. The goal of this course is to increase awareness of mold and its affect on the insurance industry. |Colorado Department of Regulatory Agencies Division of Insurance |1560 Broadway, Ste.850 Buying for a Team or Group? Interested in bulk discounts and flexible billing options on our expansive library of Insurance Education courses? Connect with our Corporate Sales Executives today! Upgrade your LMS to Include Manager-Level Access - Assign Courses - Tracking Employee Progress - Maintain and Organize Records

https://www.360training.com/course/colorado-mold-and-insurance-industry

Do you have a bushfire plan for the 2016 fire season? Every organisation or community group who operate out of premises that are near dense forest, bush, grass land or the coast need to prepare for the threat of fire and bushfires, and decide on fire plans now. and practice your bushfire plan. The more you prepare your property the better the chance of surviving a bushfire, even if you are not there. Write down your bushfire plan, communicate that plan and know if you have the clothing, equipment or resources to enact your fire plan to leave early or stay and defend. A prepared and practiced bushfire survival plan will help your community group and organisation know where others are and what they’ll be doing should an emergency occur. Be prepared, confident and more in control so you can cope should a disaster strike. Fire Preparedness is a shared responsibility The responsibility for surviving the fire season is shared between emergency services and the community. We all – including you and your community group – share responsibility for our community’s safety. Tips to get you started on your bushfire plan Create at least a 20 metre circle of safety around your buildings by clearing rubbish, long grass and other materials that may catch fire. A well prepared building is more likely to survive a bushfire, a few simple things to do are: - -Keep gutters clean and install metal gutter guards. - -Store flammable fuels and chemicals away from the building and store in an enclosed shed away from the building. - -Install sarking behind weatherboards and beneath existing roofing. - -Replace glass over time with toughened or laminated safety glass. - -Install shutters or metal flyscreens to doors and windows. In considering how you will respond if a fire event occurs whilst people are at your premises, consider some of the questions below: - -Which Fire Danger Rating is your trigger to close your facility or cancel an event? - -What will you do if there is a fire in the area and people at your premises cannot leave? - -Have you communicated your bushfire plan to your stakeholders? - -Have you practised your bushfire plan? Resources to help you prepare and plan ACT Fire Preparedness Resources NSW Fire Preparedness Resources NT Fire Preparedness Resources - Northern Territory Fire and Rescue Service – Bushfire Safety Management - North Australian Fire Information (NAFI) Queensland Fire Preparedness Resources - Queensland Government Bushfire survival plan – Prepare, Act, Survive - QFES – Community Safety - QFES – Emergency Planning South Australia Fire Preparedness Resources Tasmania Fire Preparedness Resources - Tasmania Fire Service – Bushfire Survival Plan - Tasmanian Fire Service – YouTube “Prepare to Survive” Victoria Fire Preparedness Resources - Victoria State Government – Bushfire Preparedness - Emergency preparedness in residential aged care – bushfires - Country Fire Authority (CFA) – Plan & Prepare Western Australia Fire Preparedness Resources *This material is for information purposes only. It is not intended to give specific legal or risk management advice nor are any suggestions, checklists or action plans intended to include or address all possible risk management exposures or solutions.

https://www.ansvar.com.au/2016/12/13/do-you-have-a-bushfire-plan-for-the-2016-fire-season/

Common Questions Asked About SR-22 Insurance SR-22 is not insurance, but it is a document that an auto insurance company will file on behalf of an individual that states financial responsibility or liability coverage. Let’s have a look at some common questions asked about Illinois SR22 insurance. What Is SR-22 Insurance? As mentioned above, SR-22 insurance is a document that indicates that an individual is able to meet a future financial obligation or has minimum amounts of insurance required for their state of residence. This form must be carried at all times by the individual as proof that they have met the conditions set out by the state. Why Is SR-22 Insurance Required? An SR-22 form may be required for a number of reasons. This form typically indicates that the individual is a high-risk driver. The various reasons a driver could be required to carry an SR-22 document include: - Driving under the influence of alcohol or drugs (DUI, DWI) - Being stopped by police and unable to show proper insurance documentation - Having committed serious driving violations - Being a repeat offender when it comes to accidents or serious traffic violations - Non-payment of numerous traffic tickets What If I Don’t Own A Car? Even if you don’t own a car, you will be required to show that you can meet the financial obligation of carrying the minimum amount of liability coverage. This confirms that you are covered when driving a vehicle other than your own. A non-SR-22 policy that has SR-22 included will be required. How Long Is SR-22 Insurance Required? The severity of your infractions will dictate how long SR-22 is required. If you have a minor violation, it may be required for perhaps a year. If the offense was a DUI or a severe traffic violation that caused an accident, it may be required for up to five years, depending on the state. What If I Cancel My SR-22? If you let your SR-22 lapse or cancel it while it is still required, the insurance company must notify the state authorities. Your driving privileges will most likely be suspended and other action could be taken against you. How Much Does SR-22 Cost? The cost to obtain and file for SR-22 is not that expensive. It generally will amount to between $25 to $50. Your insurance premiums may be increased, though, especially for a DUI, but it will depend on the infraction. What If I Move Out Of State? If you move to another state, you are still required to maintain the SR-22 for the state where it was filed. Notify the insurance company of your new address and be sure to not let the SR-22 lapse or be cancelled. Review the insurance requirements for the state you are moving to before you start driving. Each state will have their own policies, and some may or may not require you to file for SR-22. Can I Switch Insurance Companies? Yes, you can switch insurance companies at any time, as long as coverage does not lapse. Ensure that the new insurance company has the necessary SR-22 filing information. If you need to file for SR-22 Insurance, please give Cloverleaf Insurance a call at 800-530-5822 to obtain more information.

https://www.cloverleafins.com/blog/common-questions-asked-about-sr-22-insurance/

Rehabilitation therapist malpractice insurance policies provide workplace liability coverage for professionals in the medical industry to protect their personal assets. As medical professionals see their roles in healthcare expand, the risk of being named in a malpractice suit increases, which makes professional liability insurance for rehabilitation therapists a priority. Rehabilitation therapists help patients regain the physical, mental, or cognitive skills they need to endure daily life. Rehabilitation therapists work with a variety of patients that vary in age, physical condition, and backgrounds. Because of the direct nature of their work, rehabilitation therapists can find themselves at the center of a malpractice claim. The best way for rehabilitation professionals to ensure the safety of their career, as well as their personal assets, is to have the appropriate form of malpractice insurance. The best protection for any allegation against your professional services is having reliable rehabilitation therapist liability insurance at a reasonable cost. Because legal settlements can threaten personal assets and future earnings, professional liability insurance for rehabilitation therapists is very beneficial. Due to the wide range of responsibilities in this medical field, malpractice insurance for rehabilitation therapists is an important form of protection. Liability insurance for rehabilitation therapists is designed to protect your personal assets or cover your expenses in the event of a medical malpractice lawsuit or liability claim. The cost of liability insurance for rehabilitation therapists is relatively low when compared to all of its benefits. Your financial or career security is not worth the risk! For over 100 years, CM&F Group has been protecting healthcare professionals from potentially damaging lawsuits that arise from malpractice claims. CM&F is known for affordable insurance that delivers the best coverage on the market in the most simple way possible. Your personal liability insurance policy with CM&F is portable, going wherever you go, even when you switch jobs, so you always know you’re covered. CM&F was founded over a century ago. Through up and down markets, CM&F’s dedication to healthcare professionals has never wavered. CM&F remains committed to making it easy and cost-effective to secure vital professional insurance coverage with:

https://www.cmfgroup.com/malpractice-insurance/physical-therapy-professionals/rehabilitation-therapist-malpractice-insurance/

Essential Do's and Don'ts to Keep in Mind When Buying a Medical Insurance Policy A medical insurance policy is necessary due to increased treatment costs and diseases and illnesses. Our poor lifestyle invites several diseases and critical illnesses requiring a huge financial investment. Hence, you need to be prepared effectively, and for that, you require a good comprehensive health insurance policy. However, before buying a health insurance policy, there are certain do's and don'ts that you must keep in mind to ensure you are fully covered. In this blog, let's discuss what you should and should not do while purchasing a health insurance plan - Know all you need Knowing what you need helps you get better coverage. If you are unaware of what you need or your requirements, you might be left underinsured or over insured, which can cost you an arm and a leg. Hence, understand what you require and discuss the same with your insurance providers before purchasing a policy. Before buying a health insurance plan, it is essential to research the product. This is because researching the type of plan, reading their reviews, and knowing claim settlement records, will help you find the best-suited plan easily. Buy a policy online. It is advisable to visit the insurance provider's official website, log in, enter your details, and get your quote - it is as simple as that. This will help you save additional expenses. Also, read the policy document to know the coverage and the exclusions. Don't delay in renewing your policy Remember, you cannot file a claim if your policy is void. So, to avoid this, renew your policy before it ends - every year. Some insurance offers grace periods but does not show negligence toward your health insurance plan. Don't buy without understanding the policy. Buying a medical insurance policy without understanding its offering is equivalent to remaining uninsured. Always talk to someone or your insurer before finalizing a plan. Don't exclude add-ons. Add-ons offer extensive coverage in several circumstances in times of need. So, if you feel that there might be a situation requiring more coverage, opt for an add-on without hesitation. Don't hide about your health conditions. Be honest with your insurance provider. If you hide your health situation and file a claim, the claim might get rejected. Also, do not give false information to your health insurance provider when buying a policy. Now that you know what to do and what not while buying a medical insurance policy, it will be easier for you to buy and raise a claim whenever necessary. So, if you haven't purchased a health insurance policy, do not wait. Buy one now to cover yourself from the health emergency situation that could be too heavy on your pocket.

https://www.kotakgeneral.com/blog/health-insurance/dos-and-donts-while-purchasing-medical-insurance-policy

An investigation has been launched after a fire broke out at a derelict school in Burnley . The blaze began at around 2pm on Sunday (February 18) at the old Ivy Bank School on Byron Street. Six fire engines from Lancashire Fire and Rescue Service attended the scene to extinguish the flames in the four-floor building. Nearby residents were urged to keep their doors and windows shut and to keep out of the thick black smoke plume. The cause of fire, which eventually led to the roof collapsing, is now under investigation. Leigh Burrows, who has lived opposite the school, claims there was another fire at the building around three weeks ago, but it was not as severe as this. He said: "My house faces the school. "It started at around 2pm and I was on my way back from shopping when I saw smoke. "I got home and saw the smoke was coming from the school, but it wasn't fully in flames at that point. "It smoked for around 30 minutes before the flames started." Leigh, who has lived nearby for 22 years, says he is unsurprised about the fire as there has been "constant problems since the school closed 11 years ago." Lancashire Fire and Rescue Service said: "Six fire engines and aerial ladder platform were called to a fire involving a derelict school on Byron Street, Padiham. "The building involved in the fire consisted of four floors and was approximately 30 metres x 30 metres. "When firefighters arrived at the scene, the building was well alight and the fire eventually broke through the roof. "Crews used two jets and one hose reel to extinguish the fire. The cause of the fire is now under investigation. " No injuries were reported."

https://www.lancs.live/news/lancashire-news/investigation-launched-after-huge-fire-15845629

Choosing a life insurance policy that best suits your needs can be confusing and a bit intimidating upon first inspection, especially if you’re looking for a policy that protects your family and loved ones after you pass away. With so many different types of life insurance options available to you, such as term life insurance, universal life coverage, a final expense policy and mortgage protection coverage, the best solution to meet your needs might involve purchasing two or more different policy types. Learning more about the different types of policies available to you and comparing their benefits can go a long way when deciding what coverage best compliments your lifestyle. Whether you choose a mix of benefits or just one policy, we have life insurance agents in the Asheville area, and across the nation, that are excited to help you build a plan and create a strong safety net for your loved ones. All life insurance policies are designed to pay a policy benefit when the insured person dies, as long as the policy was in effect during the time of the insured person’s death. There are many reasons for buying life insurance coverage, but the most common reasons include: Your personal reasons for wanting to buy life insurance might include one or more of these. Different types of life insurance products work differently. When you’re trying to decide what type of policy to purchase, you should understand what you’re buying. Here’s a brief overview of several common types of products. Think of term life insurance as insurance protection you’re renting for a certain period of time. If you take out a 20-year term insurance policy, pay your premiums when due, and die after 19 years, your named beneficiary will receive the proceeds under the policy. If, however, the policy expires at the end of the 20 years and you die sometime after that, your beneficiaries will not receive anything because the life insurance is no longer in force. Universal life coverage is designed to be “permanent” insurance. That means that if the premiums paid under the policy are enough to keep paying the cost of insurance, you’ll have coverage until the policy’s maturity date (often age 100 or sometimes even higher.) In addition to offering pure life insurance protection, universal life policies also come with a cash value account that can be used for any purpose. It’s no secret that funeral costs can be expensive. Final expense policies provide your named beneficiary with funds that can be used to pay for your funeral or memorial, cremation or burial, and other expenses like taxes, medical bills, etc. If you have an outstanding mortgage on your home, you might benefit from buying mortgage protection coverage . A mortgage protection policy is designed to provide your loved ones with the funds they need to pay off your mortgage balance if you still owe on it when you die. Unlike other types of insurance coverage, it is perfectly legal to buy multiple life insurance policies. In fact, many people choose to buy more than one policy and more than one type of insurance coverage. Some reasons for this include: Working with your insurance agent, you may discover you need $1 million or more in life insurance protection to replace your income, help pay for your children’s education, pay off your mortgage and other debts, etc. If the premiums on a $1 million universal life insurance policy are out of reach, your insurance agent may suggest buying a combination of universal life and more affordable term coverage to help you meet your insurance needs. While the term policy will expire, it’s likely that your insurance needs will be different at the end of that policy term too. Your insurance agent might also suggest you take a “ladder” approach to buying term life insurance. With this approach, you intentionally buy policies with different policy terms to meet different insurance needs. You might take out a 30-year policy designed to help cover your income until you retire, a 20-year policy to pay off the rest of the mortgage on your home, and a 10-year policy that could help fund your children’s college education if you die prematurely. You may also want to consider buying more than one policy to ensure continuity of coverage. Sometimes, people who have life insurance through their employers assume they don’t need to buy additional insurance policies. However, employer-sponsored coverage is usually not “portable.” That means that if you voluntarily leave your company or if your job ends, you could find yourself without any life insurance protection. Buying a private insurance policy can help make sure your loved ones are always protected, no matter what happens with your job in the future. While you can legally buy more than one life insurance policy, you cannot buy more coverage than you need. When you apply for coverage, the insurance company will ask about any existing life insurance policies you have in force and whether you intend to replace them or supplement them with the new policy. The total amount of insurance you can buy is generally a generous figure, calculated as a multiple of your current income plus other financial needs such as the amount of your outstanding debt, family members you’re supporting, and more. Most people don’t need to worry about a policy application being denied because they have too much insurance, however it can happen in rare cases. For example, if you have an annual income of $30,000 and don’t have any outstanding debt or dependents, chances are you would not qualify to buy $3 million in life insurance coverage. At Symmetry Financial Group, our Independent Insurance Agents understand insurance. We’re passionate about helping our clients protect their loved ones through life insurance, and we’ll work closely with you to help tailor coverage designed to do what you need it to do. To learn more, and to get free life insurance quotes, contact us today.

https://www.sfglife.com/blog/should-i-have-multiple-types-life-insurance/

How financial institutions can better disclose climate-related physical risks in line with the recommendations of the TCFD. Physical impacts from climate change such as heat waves, storms, droughts, or sea level rises are already being felt across the globe and will continue to intensify. Financial institutions are exposed to physical climate risks through various transmission channels, which can affect their financial stability. However, financial institutions have tended to focus their climate-related financial risk disclosures on transition risks such as policy, legal, technology, and market changes, with less granular assessment of the potentially significant and severe direct impacts of climate change. This report assesses the current state of physical climate-related risk disclosures and provides high-level guidance for financial institutions reporting on physical risks in line with the recommendations of the Taskforce on Climate-related Financial Disclosures (TCFD). Based on a review of best practices, regulations, standards, data availability, and technical considerations, this resource provides guidance on the disclosure of physical climate risks in line with the TCFD recommendations. It was developed by UNEP FI and the World Resources Institute (WRI) in response to questions raised by 10 institutions convened by UNEP FI at the Climate Adaptation Summit 2021 who committed to publishing climate-related physical risk disclosures in line with the TCFD. Read more about the Physical Risks & Resilience Statement.

https://www.tcfdhub.org/resource/physically-fit/

- Date : 10/01/2017 - Read: 7 mins Know what Keyman insurance is and how can it protect more than just your business! By C Ramanathan Most of us are familiar with how the life insurance policy of a family's breadwinner helps out in case of his/her untimely demise. However, the fact that life insurance can play a similar role, in the form of Keyman insurance, for businesses is not so well known. What is Keyman insurance used for? Keyman insurance helps a business recover from the loss of its valuable assets viz the persons who run it and/or own it. Individual talents are becoming critical to the success of many companies and employees are also becoming an important factor in investors' valuation of the entities. Every business has at least a few very valuable employees who contribute significantly to the running and growth of the company. It makes sense to insure against the unfortunate event of their untimely demise. This is because the company may face business/financial loss in case of sudden death of such valuable employees. It is here that Keyman insurance comes into play. Keyman insurance defined Keyman insurance can be defined as an insurance policy where the proposer as well as the premium payer is the employer, the life to be insured is that of the same employer's key employee (Keyman) and the benefit, in case of a claim, goes to the employer. The `Keyman' here can be any employee, having a special skill set or substantial responsibilities, who contributes significantly to the profits of that organization. It is not a special plan of insurance but just application of life insurance to fulfill a special need. The object of Keyman insurance is to cover the life of a Keyman for a monetary value so that in case of untimely death of such Keyman, the loss to the firm is recouped with monetary assistance (insured amount) received from the insurance company. As the name implies, the 'key person' is the key to the business' success; without him or her, the company would stumble. Keyman includes a key-woman also and there can be more than one Keyman in a company. Keyman insurance can also be used to cover the partners in a partnership firm. What happens if a Keyman quits the company to join another? The first employer, who has bought the Keyman policy, can choose any one of the following options. 1. The first company (employer) can stop paying the premiums and allow the policy to lapse. 2.It may continue paying the premiums and collect the proceeds on a claim arising. 3. The policy could be transferred to the new employer of the Keyman on terms mutually agreed upon by both the companies. 4. It can be assigned in favour of the life assured / keyman Basic eligibility requirements for Keyman insurance Basic conditions required to be fulfilled in order to buy a Keyman policy from an insurance company include: 1. The 'key-man' should hold less than 51% of the company's shares. 2. The total number of shares of the company held by the Keyman and his family together should be less than 70% of the company's shares. 3. Some proof of the critical role that the proposed life (the Keyman) plays in the business of the company, is required. The maximum sum assured for Keyman insurance is lower of: 1. Ten times the keyman's annual compensation package. 2. Three times the average gross profit of the company for the past three years. 3. Five times the average net profit for the past 3 years. Keyman insurance is normally not issued if a company's profit or turnover is declining unless there are very special circumstances. Factors like age limit and coverage term varies from one insurance company to another. Loss making companies cannot buy Keyman insurance. Type of policies allowed to be bought as Keyman insurance Till recently endowment life insurance policies with maturity benefits as well as term insurance were allowed. However, following change in rules by the IRDAI now only term insurance is allowed to be bought as Keyman insurance. The term of the policy usually coincides with the retirement age or the contract period of the key employee. Loan against policy and riders are not permitted. In this policy, nomination can be done only in favour of the company. Benefits of Keyman insurance to the company 1. It protects against business risk in the event of unfortunate death of the key person. 2. The premium paid will be treated as business expenses and the company would save 30% plus surcharge on every rupee of premium paid for such a policy as per current tax law. 3. Disruption of lines of business credit due to the death of the Keyman can seriously affect the business. Here, the insurance money can help as a guarantee of loan repayment in case of death of the key person. 4. The morale of the key employee is boosted. He/she feels important. The sense of belonging increases productivity and helps in retention of the key employee. 5. It helps in keeping the market price of the company's shares stable in case of death of the keyman. If the keyman dies the price of the company's shares is likely to fall but if the investors know that any financial loss can be made up through the insurance proceeds, they may not start offloading the shares immediately. 6. It protects the company's valuation. For example, in case of the company being put up for sale, prospective buyers are likely to put a higher value to the company if they know that it has a monetary back-up (insurance) to meet the cost of replacement of its key person. Taxation aspects of Keyman insurance: Prior to change in rules, companies could buy cash value life insurance policies as keyman insurance. In many cases, after buying such a policy the company assigned it to the Keyman during the tenure of the policy. In return the Keyman would generally pay the surrender value of the policy (which was very little compared to the premiums paid and also the maturity value of the policy) to the company. The Keyman would keep the policy and then on maturity of the policy the Keyman would get maturity proceeds which were tax free under the then income tax rules. The policy premiums paid by the company were treated as an expense and therefore deductible from its taxable income. However, in 2013 the income tax law was changed. As a result, any proceeds of a keyman insurance policy are now fully taxable. The new tax rules are effective from April 1, 2013. The new rules also provide that a keyman insurance policy which has been assigned to any person during its term, with or without consideration, shall continue to be treated as a keyman insurance policy and consequently would not be eligible for any exemption under section 10(10D) of the Income-tax Act. With the amendment to Section 10 (10D) of IT Act 1961 and IRDAI fiat of allowing only term insurance policies to be bought as Keyman insurance, the present position is as under: I. In the hands of the company : The premium paid by the company buying the Keyman insurance policy is an allowable business expenditure for the company under section 37(1) of the Income-Tax Act. In case there is a claim (on death of the insured), the claim proceeds are taxable as business income in the hands of the company. The Keyman insurance policy death benefits are not tax-free under section 10 (10D) of the Income Tax Act. II. In the hands of Keyman : The premium paid by the company is not taken as a perquisite in the hands of the Keyman under section 17(2) of the Income Tax as the policy is for the benefit of the company and not the Keyman. The Keyman is thus not required to pay any tax on the premium paid by the company on a policy on his life. There is no maturity or surrender benefit either to the company or to the Keyman as now only term policies can be bought as Keyman insurance and these policies do not have any surrender or maturity benefits. In case the policy is assigned to a keyman he/she can nominate his/her dependents in the policy. Consequently, in case of demise of the keyman/insured during the policy term, the death benefits would go to these dependents. However, even these death benefits would not be tax-free under section 10 (10D). The author is retired executive director, Life Insurance Corporation of India. Source: Economic Times

https://www.tomorrowmakers.com/other-insurance/how-keyman-insurance-can-help-protect-life-business-article

Oregon Tech Association Pushes for Center for Cyber Excellence The association is asking the Oregon legislature for funding to create a new center that would help train the next generation of cybersecurity professionals. With a barrage of recent cyberattacks and breaches, cybersecurity is of growing concern to pretty much any business or organization that relies on information technology—which is pretty much every business and organization. A recent report from information security firm SafeNet, Inc., found that more than 200 million records were lost or stolen in the first quarter of 2014—that’s the equivalent of 93,000 records an hour for those three months. One technology association is working to strengthen cyber capabilities in the state of Oregon by calling on the state’s legislature to fund a Center for Cyber-Excellence. The Technology Association of Oregon is asking legislators for $5.3 million to create the center, which would help develop innovations in cybersecurity as well as train the next generation of cybersecurity professionals. “As every industry has become dependent on information technology through online presence, social media, data analytics, cloud computing, and electronic commerce, unfortunately they have also been more at risk from cyber assault,” TAO stated in a “Cyber Studies Strategy” [PDF] report supporting its request. “Cybersecurity has become a cost of doing business in the modern age.” Addressing cybercrime issues requires a skilled workforce trained in the best cyber defenses, TAO added in the report. Training the next generation of cyber professionals could also create an opportunity to draw new business into the area. To help prepare these professionals, the Center for Cyber-Excellence would develop coordinated curriculum guidelines for undergraduate and graduate programs in the state’s universities and community colleges. It would also support innovation and research in cybersecurity and engage younger students in pursing cybersecurity careers by hosting programs and events for middle school and high school students. “There is a measurable need for additional cybersecurity experts and overall increase in cyber expertise across the full gamut of industries in Oregon,” TAO stated in its report. “Failure of the Oregon university system to address this challenge will result in companies recruiting from farther afield or moving operations to locations with better trained workforces.” (photo by Radcliffe Dacanay/Flickr)

https://associationsnow.com/2014/05/oregon-tech-association-pushes-center-cyber-excellence/

Scheduled Airline Failure Insurance: Do You Really Need It? When airlines fold amid financial pressures, customers suffer cancelled journeys and chase refunds in vain. Yet while such failures generate headlines, adding specialised products like Scheduled Airline Failure Insurance rarely proves essential for most travellers when easier protections exist. This guide helps travel partners determine suitable protections in case the worst unfolds mid-trip. - Evaluating Real Risks of Airline Collapses - Drawbacks of Airline Failure Insurance - Smarter Protection Alternatives - Meeting Clients’ Needs Through Better Solutions Evaluating Real Risks of Airline Collapses Though media broadcasts aviation industry warnings, the likelihood of individual passengers getting impacted on specific trips actually remains low with factors like: The UK tightly regulates airlines, preventing them from rapid, risky expansion. This stops struggling airlines from selling too many tickets they can’t afford to fulfil. Many airlines are owned by just a few large airline groups so if one airline fails, the group often keeps flights running by merging routes into other airlines they own. This prevents major travel disruptions. If an airline shuts down in the UK, laws make sure ticket holders get priority for refunds from any remaining funds. This lowers losses for passengers. Drawbacks of Airline Failure Insurance Since most flights go on as planned even if an airline fails, flight insurance may not be worth it for many travellers when you consider: - Narrow Coverage – Policies only reimburse cancelled trips specifically resulting from a named airline failure. Other disruption causes or overall supplier failures often exclude cover. - Premium Costs – SAFI premiums ranging £15-40 per trip still add up, especially for frequent travellers. - Claim Hassles – Processes documenting unused flights and out-of-pocket costs accompany claims, adding additional hassle. Smarter Protection Alternatives Rather than airline failure policies with limited applicability, experts recommend broader plans cushioning wider risks while including airline failures as covered events. Options include: Comprehensive Travel Insurance Comprehensive travel insurance covers you if your flight is cancelled, delayed, or disrupted from an airline failure. These plans cost less than specialised flight insurance, offering better value. Paying slightly higher flexible ticket prices eliminates cancellation costs worries if any factors impact journeys. Travellers can simply request refunds if trips get aborted for any cause. Payment Method Claims If you book with certain premium credit cards, the card allows you to dispute the charges and get your money back if part of a trip fails and a refund claim is denied. This acts as self-funded coverage. Meeting Clients’ Needs Through Better Solutions While preparing for worst-case scenarios is wise, clients gain more financial security against trip problems through conventional insurance plans. These offer similar or lower costs compared to niche airline failure policies with trickier claims. Smart travel agents recommend comprehensive trip insurance and flexible tickets. These address broader risks beyond just airline bankruptcies, showing care for clients’ budgets. Brisco Business’ Travel Agent Insurance Brisco Business provides travel agent insurance that covers advising clients on add-on tours, if a mishap occurs abroad. Our plans show real commitment to protecting both agents and clients. Contact us to discuss airline uncertainty risks and smart solutions. We build reputations for proactively caring about client investments – not just reactively fixing issues if trouble hits. Protect Your Business Today! Find comprehensive business insurance at the right price. Quickly and easily compare quotes from leading insurers and choose the perfect policy for you.Compare Quotes

https://briscobusiness.co.uk/business-insurance/office-insurance/travel-agents/scheduled-airline-failure-insurance-do-you-really-need-it

Hello, builders and contractors of Dallas, Fort Worth, Houston, San Antonio, TX! Today, let's chat about something that's as essential to your construction site as a sturdy foundation – Construction Insurance. In the world of hammers and hard hats, unexpected events can happen. That's where TWFG ~ Burridge Family Insurance steps in. Have questions? Just call 972-926-5355 – we're here to build peace of mind together. Construction projects are filled with risks, from accidental damages to unforeseen delays. That's why having the right insurance is not just important; it's a necessity. It protects not only your project but also your reputation and investment. What kind of safety net does TWFG ~ Burridge Family Insurance provide? Here's a quick overview: Interested in more details? Reach out at 972-926-5355 for a comprehensive rundown. Imagine this: A sudden storm damages your construction materials, or a passerby is injured near your site. These aren't just hypothetical situations; they're real-life challenges that construction projects can face. With TWFG ~ Burridge Family Insurance's insurance, you're prepared for the unexpected. When you call 972-926-5355, you're not just buying a policy; you're partnering with a team that understands the construction industry in Dallas, Fort Worth, Houston, San Antonio, TX. Our expertise means we can offer coverage that's tailored to your specific project needs. But don't take our word for it. Listen to our satisfied clients who have experienced the TWFG ~ Burridge Family Insurance difference. Their stories of prompt claim handling and comprehensive coverage are what make us a trusted name in construction insurance. Ready to lay the foundation for a secure construction project? Here’s how to get started: Remember, in the world of construction, being prepared is as important as the project itself. Dial 972-926-5355 today, and let's start building a safer future for your projects in Dallas, Fort Worth, Houston, San Antonio, TX. Keep on building, and stay safe out there in Dallas, Fort Worth, Houston, San Antonio, TX!

https://burridgefamilyinsurance.com/affordable-construction-insurance-dallas-fort-worth-houston-san-antonio-tx

Motor trade insurance provides financial protection for companies and sole traders that make their living selling, cleaning, repairing, or transporting cars. If you are looking for a policy of your own, the motor trade insurance quote search tool at NimbleFins can help you compare the best quotes from some top providers. This coverage protects companies from financial liability from claims made against them for losses or damages to vehicles that are owned by someone else, e.g. a customer. Several vehicle-related business types will need to have a motor trade insurance policy in place to ensure that they are fully protected. Some examples are: - Car dealerships - MOT testing centres - Car valeting service - Auto repair and body shops - Car carriers - Recovery agents Anyone that is connected with the auto trade and makes a living from it may need to obtain a motor trade insurance policy. Just as with other insurance types, motor trade insurance is available in three different levels of coverage. - Third-party only - Third-party fire and theft - Fully comprehensive The type of business being operated may determine the type of coverage you will need. For example, if you are a mobile valet service that only moves vehicles occasionally, third-party coverage may be sufficient. On the other hand, if you are a large dealership with multiple employees driving different vehicles, fully comprehensive insurance will be needed to provide adequate protection. Speak to a specialist motor trade broker or insurance agent if you are not sure which coverages you need. How to apply for motor trade insurance While many types of insurance may simply be purchased at will, getting a motor trade insurance policy is a bit more complicated. To be eligible for the insurance, the buyer will have to prove that they have a legitimate business that is connected to the motor trade. Proof can be provided with sales receipts, invoices or other records of business transactions to demonstrate a financial investment in the industry. Once the necessary evidence has been supplied, a motor trade insurance policy may be purchased. However, some things should be considered when looking for a motor trade policy because not everyone is automatically eligible for coverage, and some restrictions might apply for the following reasons. Motor trade insurance typically requires the policyholder to be 25 or older. Some companies will provide insurance for younger age groups, but they are not common, and policies will be much more expensive to buy. Anyone that has a criminal conviction might struggle to obtain coverage, and depending on the charge, insurance may be denied altogether. Applications are reviewed to determine eligibility for coverage, and even if accepted, monthly premiums will likely be higher. If your driving record shows a history of accidents and carelessness, insurance companies may not be keen to allow the operation of unowned vehicles. Having a poor track record will limit options and will certainly drive the cost of premiums up. Once you have been approved for motor trade insurance, you will also need to submit information and keep it up to date in the MID. The Motor Insurance Database holds information about businesses that operate in the motor industry and helps to combat uninsured drivers. Can I cancel my motor trade insurance? Motor trade insurance, like most other insurances, can be cancelled before the end of the policy. At some point, you may find yourself in a situation where you no longer need your motor trade insurance. Perhaps you have sold your business or ceased trading for some other reason. If you are part way through your policy, it may be financially beneficial to cancel it to prevent further payments from being taken. You will need to contact your insurance provider to request that the cancellation and policy documents and insurance certificates be returned. There is also a strong chance that cancellation fees will apply as most insurers will charge for policies to be terminated early. Is motor trade insurance expensive? The cost of motor trade insurance is affected by many factors, and premiums can change dramatically from company to company. While motor trade insurance is a necessary cost of doing business, it will also shield you from having to fork out for a brand new vehicle should any incidents occur. So relatively speaking, motor trade insurance can be quite affordable when compared to repairing or replacing a brand new car that could cost tens of thousands of pounds; for sole traders, premiums average between £40 and £50 per month as a starting point for a small business. This cost will increase with the size of the business, a larger number of vehicles, the type of coverage selected, and the number of drivers to be insured. To keep costs down, smaller businesses frequently take advantage of a named driver policy. This allows the drivers permitted to operate vehicles to be specified on the policy and helps to reduce premiums. Any driver policies are often used by larger companies that need to drive or transfer many vehicles or transport cars to numerous locations. To operate the business efficiently, it may not be feasible to name all permitted drivers, and policies are designed that will allow anyone to drive with the permission of the company or its directors.

https://citinews.co.uk/how-does-motor-trade-insurance-work/

In the next of our 2024 predictions, we delve into the evolving regulatory mandates that will require business leaders to apply enforceable rigor to security controls. Government and industry regulation of companies’ cybersecurity initiatives and risk posture is not new. Still, there is an urgent need for policies and standards to be reviewed in response to widening attack surfaces and the increasing use of AI and its associated data privacy issues. As more and more data is produced, collected, and stored, and connectivity expands globally, attack surfaces are widening. This is especially true as organizations’ reliance on AI to improve performance and efficiencies grows, and data privacy concerns reach new heights. Good cyber governance must be part of any company’s cybersecurity and risk management program to ensure that organizations adhere to government and industry regulations and standards. In Cybersecurity in 2024: Predicting the Next Generation of Threats and Strategies, we predict that in 2024 and beyond, companies across vertical sectors will need to apply enforceable rigor on security controls to comply with changing compulsory regulatory mandates. To achieve this, business leaders will need a clearer understanding of their organization’s cybersecurity policies, processes, and tools, resulting in the appointment of cybersecurity experts at the Board level to meet progressively stringent reporting requirements. Regulatory changes of note include: PCI DSS v. 4.0 As the threat landscape becomes increasingly complex and sophisticated, industry standards continue to evolve to ensure that security gaps are detected and properly identified. Of particular note is the Payment Card Industry’s Data Security Standard (PCI DSS) v. 4.0, which will put added pressure on retail, healthcare, and finance companies to address new reporting requirements by March 2024. The changes are intended to enhance the measurement of risk and require businesses to prioritize gaps much faster and with more accuracy. Additionally, the updated PCI DSS includes specific measures to bolster vulnerability prioritization with other sources, such as threat intelligence to add enrichment and metrics to risk ranking of security gaps within systems. Security & Exchange Commission The U.S. Security and Exchange Commission (SEC) monitors disclosure practices and has historically issued what essentially amounted to interpretive guidance. This practice changed in 2023 when the SEC issued the “final rule” that enhances and standardizes disclosure of cybersecurity risk management, strategy, governance, and incidents by public companies. These changes were necessitated by an increase in cyber attacks, stolen data, and growing concerns about the use and vulnerabilities of AI and digital technologies. The Cyber Resilience Act The European Commission issued the Cyber Resilience Act (CRA), which will take effect in 2024. Set to bring significant changes to digital products throughout Europe, CRA mandates new cybersecurity requirements for products with digital components. The act applies to manufacturers and retailers, with protection extending through the product lifecycle in order to provide adequate security features and obligations, including risk assessments, vulnerability management, and free security updates. NIST CSF 2.0 A major update to the NIST Cybersecurity Framework (CSF) – NIST CSF 2.0 – is expected to be released in 2024 to help organizations and industries manage cybersecurity risk. An important change in CSF 2.0 is the addition of governance in managing risk. CSF 2.0 includes additional updates, such as: A focus on supply chain risk management More guidance on implementing the CSF Alignment with the Biden Administration's National Cybersecurity Strategy All of these changes, and more that may come in 2024 and beyond, will further advance the significant need for proactive threat intelligence. Such intelligence, when factoring in a company’s attack surface and business context, can help organizations continuously identify and prioritize vulnerabilities, and take appropriate measures to mitigate risk and strengthen cyber hygiene. Want to learn more about Cybersixgill’s insights and predictions for 2024 to keep your assets and stakeholders safe? Download Cybersecurity in 2024: Predicting the Next Generation of Threats and Strategies. You may also like January 30, 2024 2024 Predictions Attackers Motivations Go Beyond Financial GainRead more January 18, 2024 Defense Against the Dark Web: The Promises and Perils of Generative AI for CybersecurityRead more January 12, 2024

https://cybersixgill.com/news/articles/2024-predictions-companies-face-tighter-cybersecurity-regulations-and-compliance-mandates

Intersection accidents are among the most dangerous types of road incidents due to the convergence of traffic from multiple directions. This complexity increases the risk of high-impact collisions that result in severe injuries, costly medical needs, and time away from work. Securing fair compensation for an intersection accident claim is challenging, but it’s possible with the experienced New Port Richey car accident attorney and right legal representation. What Is an Intersection Accident? An intersection accident is a type of road crash that occurs where two or more roads cross each other. These accidents often happen because drivers fail to follow traffic rules or because they are not paying enough attention to their surroundings. At intersections, cars, trucks, bicycles, and pedestrians all meet, which increases the chance of collisions. Intersection accidents can cause serious injuries or even death because they often involve direct impacts and happen at higher speeds. Drivers cause intersection accidents in several ways. Some run red lights or stop signs, leading to crashes with vehicles that have the right of way. Others make turns without properly checking for oncoming traffic or pedestrians. Speeding through intersections is another common cause of accidents, as it reduces a driver’s ability to react to changes, like sudden stops or unexpected pedestrian crossings. Why Are Intersections So Dangerous? Here are some key factors that make intersections hotspots for potentially devastating collisions: High Speed and Sudden Stops Intersection accidents are dangerous because they often involve high speeds and sudden stops. When drivers approach intersections too quickly, they have less time to react to traffic signals or the actions of other drivers, cyclists, or pedestrians. High speed reduces the effectiveness of safety measures like airbags and seatbelts. Also, if a driver tries to stop suddenly to avoid an accident with one vehicle, it can lead to a rear-end collision with another vehicle. Rear-end accidents are particularly common at intersections. These types of crashes can cause severe injuries, especially if one vehicle is much larger or heavier than the other. Multiple Directions of Traffic Another reason intersection accidents are dangerous is the fact that traffic comes from multiple directions. Intersections bring together vehicles traveling along different vectors, which increases the risk of side-impact collisions. These collisions, which some call “T-bone” crashes, happen when the front of one vehicle hits the side of another. They are particularly dangerous because the sides of cars have less protection than the front or rear. This lack of protection means passengers are more likely to suffer severe harm in a T-bone crash. Presence of Vulnerable Road Users Intersections are also dangerous due to the presence of vulnerable road users like pedestrians and bicyclists. These individuals are at a higher risk in intersections because they have less protection than people in vehicles. When cars or trucks hit pedestrians or bicyclists, the resulting injuries are often severe or fatal. The risk increases if drivers are speeding, distracted, or violating the right of way. Pedestrians and bicyclists are also harder to see, especially in poor lighting conditions, further increasing the risk of accidents. Complex Traffic Patterns and Signals Some intersections are dangerous because of their complex traffic patterns and signals. If traffic signals are hard to read, drivers might become confused about which way they can turn, when to yield, or what each traffic signal means. This confusion can lead to wrong decisions, like turning when it’s unsafe or misjudging the actions of other drivers. Also, when a driver is unfamiliar with an intersection, they might not notice or understand unique traffic signals or signs. This lack of understanding can lead to accidents, as drivers might inadvertently violate traffic rules even after seeing relevant signs. Intersection Accident Statistics Recent statistics from the Federal Highway Administration (FHWA) illustrate a concerning reality: intersections are a major site of traffic-related fatalities and injuries in the United States. Below are some key statistics that reveal the extent of this pressing issue. - Every year, about one-quarter of traffic fatalities and roughly half of all crash injuries in the United States occur at intersections. - A total of 38,824 traffic fatalities occurred nationwide, with 10,626 (27.4 percent) of these involving an intersection. - Among these intersection accident fatalities, 7,089 (66.7 percent) occurred at unsignalized intersections. Unsignalized intersections lack traffic signals and have stop signs, yield signs, or no road signs at all. - Unsignalized intersections were the sites of 895 pedestrian fatalities and 204 bicyclist fatalities. - The same year, 3,537 total traffic fatalities (33.3 percent) occurred at signalized intersections. Signalized intersections are those with traffic lights or other electronic traffic signals. - Fatalities involving red-light running at signalized intersections totaled 1,053, or 29.8 percent of fatalities at signalized intersections. - Also that year, there were 779 pedestrian fatalities and 151 bicyclist fatalities at signalized intersections. - Red-light running alone resulted in 57 fatalities among pedestrians and bicyclists combined. Who Is Liable for an Intersection Accident? Intersection accidents often involve complex situations that make determining fault a challenge. Depending on the circumstances, you could hold any of these parties liable for an intersection accident: - Drivers: The most common liable parties in intersection accidents are the drivers who crash. A driver is responsible if they fail to follow traffic laws, such as by running a red light, speeding, or not yielding the right of way. If a driver is inattentive, under the influence of alcohol or drugs, or driving recklessly, they can cause devastating accidents at intersections. - Pedestrians or Cyclists: Pedestrians and bicyclists are also sometimes liable for intersection accidents. For instance, if a pedestrian jaywalks or crosses the street against a traffic signal, they might cause a driver to swerve and hit another vehicle. Similarly, if a cyclist runs a red light or turns illegally at an intersection, they could be the cause of an accident. - Local Governments: A local government entity could be liable if an intersection’s design or lack of maintenance contributes to an accident. This includes issues like malfunctioning traffic signals, inadequate signage, or poor intersection designs that confuse drivers or create hazardous conditions. If a crash survivor proves that the accident was partly or entirely due to such factors, they could hold the local government responsible. - Vehicle Manufacturers: In some cases, the manufacturer of a vehicle that is in an intersection accident could be liable. For example, a manufacturer could be responsible if a vehicle defect, such as faulty brakes or a malfunctioning steering system, contributes to the accident. If a vehicle manufacturer fails to ensure the safe design, manufacture, or function of a vehicle, they could be liable for any accidents resulting from these safety defects. Evidence in Intersection Accident Cases Proving liability in intersection accident injury claims requires careful collection and analysis of various types of evidence. Lawyers often use this evidence to build strong cases and demonstrate fault in these accidents: - Witness statements - Traffic camera footage - Surveillance videos from nearby businesses - Photos of the accident scene - Photos of vehicle damage - Dashcam footage - Cell phone records - Blood alcohol content (BAC) reports - Weather and traffic reports - Medical records of injuries - Expert witness testimony - Vehicle maintenance records - Black box data from vehicles - Diagrams of the accident scene - Traffic signal timing data - Road condition reports - Skidmark analysis - Vehicle damage reports - Accident reconstruction reports - Records of previous accidents at the same intersection What Do I Do After an Intersection Accident? In the aftermath of an intersection accident, you can take certain steps to ensure your health and safety and protect your legal rights. Here’s what you should do: - Follow your doctor’s orders and attend follow-up appointments as necessary. - Contact an intersection accident attorney as soon as possible. - Inform your insurance company about the accident. - Keep a detailed record of any symptoms or pain you experience. - Start a file of all accident-related documents and correspondence. - Obtain a copy of the accident report from the police. - Document your recovery progress with photos and journal entries. - Keep all medical bills and receipts for your treatment. - Record any missed work days or lost income. - Avoid discussing the accident details on social media. - Get a property damage estimate for your vehicle. - Collect the contact information of any witnesses if you haven’t already. - Write down your own detailed account of the accident. - Determine whether any traffic cameras recorded the accident. - Review your insurance policy with your lawyer for coverage details. - Avoid signing any documents from insurers without legal advice. - Never accept any settlement offers without guidance from your lawyer. Dealing With Insurance Companies After an Intersection Accident Dealing with insurance companies after an intersection accident is often a tough and confusing process. Insurance companies usually aim to settle claims quickly and for as little money as possible. They commonly offer settlements that seem good at first but don’t fully cover your medical bills or other losses. These companies also have experienced adjusters and lawyers working for them, and these professionals are experts in reducing the amount the company pays out. When you are recovering from an accident, the thought of handling insurance claims and negotiations might seem overwhelming. You might not know all your rights or the true value of your claim. This is where having a lawyer can make all the difference. A lawyer knows the legal process and understands how to demand fair consideration from insurance companies. A lawyer can also gather evidence to support your claim. This includes medical records, police reports, and witness statements. They use this evidence to prove how the accident happened and who was at fault. With the right evidence, they can negotiate aggressively with the insurance company on your behalf and fight for a settlement that covers all your expenses and losses. And if the insurance company does not offer a fair settlement, a lawyer can take your case to court. How Much Is My Intersection Accident Case Worth? It depends. No two intersection accidents are alike, so the value of intersection accident cases can vary considerably based on the circumstances. Depending on your situation, you could seek compensation for the following when you file your intersection accident claim: - Past and future medical expenses - Out-of-pocket expenses - Lost income - Lost future earning potential - Pain and suffering - Lost quality of life The amount you can claim for each of these types of compensable losses will depend on various factors unique to the accident, such as: - Injury Severity: Severe injuries with long-term effects on your life, such as chronic pain, mobility issues, or cognitive impairments, increase your claim’s value. These injuries often require extensive medical treatment, including surgeries, rehabilitation, and ongoing therapy. The more your injuries disrupt your daily life and future, the higher your claim’s value. - Liability: The degree of fault or liability of each party in the accident significantly influences the claim’s value. If clear evidence indicates that another party is entirely at fault, you will have a better chance of recovering full compensation. And if multiple parties are at fault, you might have more opportunities to seek compensation from different sources. - Insurance Policy Limits: The insurance policy limits of the at-fault party are another important factor in determining how much money you get your claim. These limits dictate the maximum amount the insurance company will pay out for a single accident. Even if your injuries and losses warrant higher compensation, the insurance policy’s limits cap the amount you can receive. If your expenses exceed the policy limits, you might need to seek additional compensation through legal action or explore other insurance policies. - Quality of Evidence: The quality and strength of the evidence you have can greatly affect the value of your claim. Clear, compelling evidence that demonstrates the other party’s fault, such as high-quality video footage, detailed witness statements, or accident reconstruction reports, strengthens your claim. The evidence should clearly depict how the accident occurred and the extent of the injuries you suffered. Strong evidence not only helps in proving liability but also in justifying the amount of compensation you are claiming, making it easier to demand a fair settlement. - Legal Representation: Having experienced legal representation can significantly increase the value of your claim. A skilled lawyer can effectively negotiate with insurance companies, present your case more persuasively, and properly value all aspects of your claim. They understand the relevant laws and can advocate for your best interests, often leading to a higher settlement than what you might achieve on your own.

https://lmdlawfirm.com/intersection-accidents-and-injuries/

Risk Audits and Assessments Fire and Safety Audit Our fire and safety audits look at all of your potential risks and the mitigations measures you currently have in place and will provide feedback on the relevance of the measures and recommendations for further measures to be taken in the form of a written summary report. These audits are based on international best practice, in the absence of any current relevant standards in Cambodia. The audits can also be tailored to your requirements and be conducted in accordance with any international standards specified by the client. In general our audits will cover the following topics; - General fire and safety risks - Building construction and associated risk - Fire protection measures in place - Specific risks to your industry, particularly in manufacturing - General health and safety issues - Evacuation procedures and exit ways - Staff training and public awareness - Specific risks on site such as swimming pools, child care facilities or fuel storage locations. These audits are applicable to almost every building or business type and are a cost effective and efficient way to get a better understanding of your risks and how well you are prepared. At the completion of the audit you will be provided with a written summary report providing you with clear findings and point format recommendations which are easy to implement. Why not contact us for a quote now? Residential Fire, Safety and Security Assessments (RFSSA) Our RFSSA program is based on the the United Nations Minimum Operational Residential Security Standard (MORSS). It is must-do-assessment to ensure the place you or your staff call home is safe for all those that live there. As part of the RFSSA, RISKSAFE evaluate the following items; - Communications Plans for staff in the residences - Area awareness and emergency contact lists - Regional Warden Systems - Building Evacuation Plans - Incident Reporting Systems - Physical security of Residence - Fire Safety measures and equipment - First Aid awareness and equipment RISKSAFE can tailor the RFSSA to meet your company or organisations policies and procedures, and can also assist in developing policies and procedures to ensure the safety and security of your staff. RISKSAFE can audit not only you physical security arrangements at your place of business, but also look at the security risks associated with your daily business processes and the way your staff conduct themselves. Security in countries like Cambodia needs to be a significant consideration in daily business for all companies and organisations. RISKSAFE will provide a written summary report of our findings as well as recommendations to where improvements can be made in your security measures. RISKSAFE can also provide assistance in developing polices and procedures to ensure all your security risks are mitigated. Covert Security Assessments What better way to get a true picture of where your security weaknesses are than for us to test them for you. RISKSAFE covertly puts your security systems and processes to the test in order to highlight potential risks to your business. Discovering weaknesses in your systems and processes is the best way to gain the knowledge required to improve your security. Our covert assessments test the ability of your staff to dynamically manage situations and highlight areas of training and reinforcement required. Many businesses see identifying weaknesses as a failure, however it is important to remember that the weaknesses already exist and by identifying them you have the ability to rectify them before they have a negative impact on you business. Contact RISKSAFE for further information on any of the above services.

https://risksafecambodia.com/services/risk-audits/

Good Practices and Innovations in Risk Management for Agri-SME Finance Under COVID-19 Content Type: Case Study Description: This publication gives a close look at the existing range of agricultural risk management tools that can be deployed both to address the current Covid-19 crisis and to build resilience for the future. From the perspective of traditional banking institutions, investing in Agri-SMEs tends to be perceived as riskier than investing in larger businesses, in other sectors, or both. The LIVE TALKS series presented in this document shed light on the recent experiences of Agri-SMEs and FSPs operating in a range of developing countries. It further discusses the risk management for Agri-SME finance in addressing new challenges in the era of Covid-19, with concrete case studies from a financial service provider perspective and Agri-SME perspective, as well as Emerging policy issues in agricultural risk management and key takeaways. Pages: 32 pages Author: Stenio Andrade, Michael von During, Pranav Prashad and Karima Cherif with key contributi ons by Betti na Prato, Emily Kitongo and Michael Hamp Publisher: Forum for Agricultural Risk Management in Development (FARM) Agrovocs/Keywords: Finance, Risk Management, Agriculture, SMEs, Banking

https://wfdfi.net/good-practices-and-innovations-in-risk-management-for-agri-sme-finance-under-covid-19-2/

Robert (Zeke) Ziel, the fire analyst for the International Arctic Research Center’s Alaska Fire Science Consortium, was recently named one of the three recipients from across the wildland fire services for the 2019 Paul Gleason Lead by Example award. The award was created by the National Wildfire Coordinating Group (NWCG) Leadership Subcommittee to remember Paul Gleason’s contributions to the wildland fire service. More information about the award, including past recipients, is available on the NWCG website. A group of managers from Alaska and the lower 48, representing the Bureau of Land Management, US Fish and Wildlife Service, US Forest Service, and National Park Service, nominated Zeke for the award. The following information is modified from their submitted nomination. Zeke has been instrumental in the evolution of the interagency fire management and science enterprise in Alaska on many levels. His work is driven by the thought of how Alaska’s interagency management community might do better in the realm of modeling and analysis, and he has reinvented how fire analysis is performed in Alaska. His curiosity and drive are evident in the tools that are available to fire managers in Alaska today. For example, his work with Predictive Services to build and maintain the Alaska Fire and Fuels website, an innovative web platform for displaying the fire, fuels and weather environment, as well as engagement with the GIS specialists and web designers to incorporate modeling outputs, have provided managers and decision makers with ‘one-stop shopping’ information. Through classroom and web-based instruction, development of user guides, analyses relating fire behavior to fuels and weather inputs, and mentoring budding fire analysts, Zeke has enabled practitioners from different backgrounds within the fire community to more fully understand and successfully implement the Canadian Forest Fire Danger Rating System (CFFDRS) in Alaska. He is a key figure in not only fire behavior, analysis, and decision support, but also the cross-boundary engagement of scientist and practitioners in the lower 48 and across Canada. The fostering of relationships across the continuum of science and practice is clearly Zeke’s passion. He finds opportunities to bring people together who may not otherwise interact. In doing so, there is a momentum that he starts, participates in, and feeds continually to address new ideas, challenges, and initiatives. At the University of Alaska Fairbanks, Zeke has been involved in several research efforts, including as a member of the Boreal Fires team under the current Alaska EPSCoR Fire and Ice project, funded by the National Science Foundation. Examples of Zeke’s work: CFFDRS Online Training Modules (initial framework, development, and implementation) Fire Behavior Field Reference Guide (continued development and updates) Why Alaska Fire Potential Assessments Are Different (2018 publication) Fire Environment Poster (Developed 2019) Fuel Moisture, Seasonal Severity, and Fire Growth Analysis in the US Fire Behavior Analysis Tools (2017 publication) CFFDRS FBP Field Guide (2015 Publication) CFFDRS FWI Field Guide (2015 Publication) Modeling Fire Growth Potential in Alaska (2015 Publication) University of Alaska Fairbanks

https://wildfiretoday.com/tag/lead-by-example-award/

Dollar A Day car Insurance With No Deposit/No Down Payment. What is Dollar-a-day Car insurance Coverage? Dollar-a-day insurance coverage is like a special type of government insurance in New Jersey that lets you drive legally for just $365 a year. This insurance plan is officially called the Special Automobile Insurance Policy, or SAIP, and it’s only available in New Jersey. But here’s the catch – the coverage is quite limited. It’s mainly to show that you have insurance so you can drive legally. However, it doesn’t meet New Jersey’s minimum auto insurance rules because it doesn’t cover any costs if you hurt someone or damage their stuff. With SAIP, you get some help for emergency treatment right after an accident. It also covers extra medical care for serious brain and spinal cord injuries, up to $250,000. If something really bad happens, and the policyholder dies in a crash, there’s a $10,000 payment that goes to their family. How can I Qualify for dollar-a-day Insurance Coverage? Dollar-a-day insurance coverage has some limitations, and even if you meet the criteria, it might not provide extensive protection. But if you can’t find affordable auto insurance in New Jersey and have no other options, dollar-a-day insurance allows you to drive legally. To be eligible for dollar-a-day insurance in New Jersey, you must be an uninsured driver. If you already have car insurance, you won’t qualify. Additionally, everyone on the policy, including yourself, must be enrolled in a Medicaid program that covers hospitalization. Other Medicaid programs won’t make you eligible. If you become unenrolled from Medicaid, your dollar-a-day insurance will continue until your next renewal (one year), after which you’ll need to find another policy. Lastly, your license and registration must be in good standing—meaning not suspended or revoked. If they are, you won’t be eligible. If you meet these requirements, you should qualify for dollar-a-day insurance coverage. If not, check out our New Jersey car insurance guide for the cheapest rates and best companies. Before deciding on your insurance company, it’s crucial to learn about local insurance providers and the coverages they offer. Contact your local insurance agent to clarify any questions you may have. Some questions to consider asking include: “What is the best coverage plan for me, my family, or my situation?” “What are the minimum coverage requirements in my state, and what coverage do you recommend?” “Do you offer bundle discounts if I have both auto and home insurance with you?” and “What is the average rate of insurance quotes you offer?” What Does a Dollar-a-Day Insurance Policy Cover? If you’re driving in New Jersey and you sign up for the SAIP program, you get a type of car insurance that costs just a dollar a day. But there are some important things you need to know about what it covers. According to the Department of Banking and Insurance in the state, here’s what you get with a dollar-a-day insurance policy: - Emergency Treatment After a Car Accident: If you get into a car crash, this insurance helps cover the cost of your immediate medical care. - Serious Brain and Spinal Cord Injury Treatment: If you have a really bad injury to your brain or spinal cord, this insurance can help pay for treatment, up to $250,000. - Death Benefit: If the worst happens, and you lose your life in an accident, the insurance gives a benefit of $10,000 to your family. It’s essential to know that this type of insurance is different from regular car insurance. It doesn’t cover things like injuries to other people or damage to their stuff if you cause an accident. If it’s your fault, you might have to pay for their medical bills and the cost of fixing their things. But there are also some limitations to what the dollar-a-day insurance covers. For example: - Limited Injuries Coverage: It only helps with spinal cord and brain injuries. If you have other injuries like whiplash, fractures, or concussions, this insurance won’t pay for your medical expenses. - Car Repairs Not Included: If your car gets damaged in a crash, you have to pay for the repairs yourself. Regular car insurance with collision and comprehensive coverage helps with this, but the dollar-a-day insurance doesn’t cover it. So, while it’s a way to have some coverage for emergencies, it’s important to understand its limits, especially when it comes to injuries and fixing your car after an accident. Who Qualifies for Dollar-a-Day Car Insurance? Dollar-a-day auto insurance is a special program meant for drivers with lower incomes who might not otherwise have insurance. This is especially important for people in New Jersey who qualify for Medicaid due to factors like income, age, or disability. The state aims to provide an affordable car insurance option for those who may face financial challenges. To get Dollar-a-Day insurance, there are specific criteria you need to meet. Not every Medicaid program automatically makes you eligible for this insurance. You must be enrolled in a federal Medicaid plan that includes hospitalization coverage to qualify for the Dollar-a-Day program. Moreover, you need to have a valid driver’s license, car registration, and no existing car insurance policy. Keep in mind that each Dollar-a-Day policy covers only one vehicle. However, you can include other people in your household as insured drivers, as long as they are also part of an eligible federal Medicaid program. How Much Does Dollar-a-Day Insurance Cost? Dollar-a-Day car insurance is called that way because it costs $365 per year, which means it’s like paying a dollar each day. You usually make two payments for this, but if you pay for the whole year upfront, it goes down a bit to $360 per year or $30 per month. This insurance, known as SAIP, is good for people in New Jersey who don’t have a lot of money. Unlike regular car insurance, the price doesn’t change based on things like how old you are, how you drive, or where you live. This is because the government helps pay for it. Even though it’s already really cheap, you can’t get any extra help or discounts because it’s already a low-cost plan. The only time you might pay more is if you want to use it for more than one car. What are the other options beyond the Dollar-a-Day? While a dollar-a-day car insurance might seem like a budget-friendly choice, it has some limitations in coverage. If you’re looking for more protection while driving, there are other options to consider. In New Jersey, you can go for either the Basic or Standard auto insurance plans. Let’s break down what each of these policies offers: - Bodily injury liability: Optional coverage of up to $10,000 per accident. - Property damage liability: $5,000 per accident. - Personal injury protection: $15,000 per person or accident. - Bodily injury liability: Ranges from $25,000 to $250,000 per person or $50,000 to $500,000 per accident. - Property damage liability: Ranges from $25,000 to $100,000 or more per accident. - Personal injury protection: Ranges from $15,000 to $250,000 or more per person or accident. Whether you go for the Basic or Standard auto insurance policy in New Jersey, you’ll also get up to $250,000 in coverage for specific injuries like severe or permanent brain injuries, spinal injuries, and disfigurement. Keep in mind that the Basic plan offers less coverage than the Standard policy and includes the Limitation on Lawsuit option. Both plans also let you add extras like comprehensive coverage, collision coverage, and protection against uninsured and underinsured motorists. How to Sign Up for Dollar-a-Day Car Insurance? If you’re looking to get dollar-a-day car insurance, National Continental Insurance Company is the one that offers these policies. But here’s the cool part: you can sign up for it at lots of different places in New Jersey where they sell insurance. And if you’re not sure where to go, just talk to the folks at Personal Automobile Insurance Plan (PAIP) by calling 1-800-652-2471. They’re like the experts on this stuff. Or you can check out the State of New Jersey website to find a PAIP insurance person near you. Getting dollar-a-day car insurance is super easy. You just have to do a few simple things. Here’s the list of stuff you’ll need to take with you when you go to a PAIP office or talk to your insurance person: - Your driver’s license (make sure it’s valid). - The registration for your car. - Your Medicaid ID card. And that’s it! Just bring these things, and you’re good to go. Here Is A List Of Important FAQS Despite being a legal option, dollar-a-day insurance has limitations. It doesn’t cover specific injuries commonly sustained in auto accidents, such as whiplash and fractures. Additionally, it doesn’t pay for the cost of outpatient treatment, like visits to the doctor. Furthermore, the program excludes liability insurance, comprehensive coverage, and collision coverage. About the Author Alex Huber is a content writer for Atoz Insurances and he is a very experienced and well-rounded freelance content writer who specializes in the insurance and finance niches. His writing is engaging and informative, and he has a strong understanding of the industries he writes about.

https://www.atozinsurances.com/auto/dollar-a-day-car-insurance/

The City of Boerne has canceled its Independence Day Fireworks Show due to public safety concerns related to ongoing dry weather conditions and the increased potential for fires. “We do not make this decision lightly,” Communications Director Chris Shadrock said. “We know many people in our community look forward to this event each year, but we must continue to prioritize public safety, and reducing the risk of fire is paramount.” While the Boerne area did receive a fair amount of rain this week, it has not been enough to reduce the fire danger down to a safe level. The City would like to remind the public that is illegal to use combustible fireworks, including handheld sparklers, within the city limits. The discharge of fireworks in the city limits carries a fine of up to $200 plus court fees, per city ordinance. Kendall County Disaster Declaration Kendall County Judge Darrel L. Lux on Wednesday, June 29, 2022, signed a county-wide disaster declaration related to the risk of wildfires. The declaration sites the hot, dry conditions and risk of wildfires and prohibits the use of restricted fireworks in the unincorporated areas of the county. Violation of the declaration is punishable as a Class C misdemeanor by a fine of up to $500. The declaration extends through the holiday weekend and could be extended past that. Also, please remember a burn ban remains in place throughout Kendall County. Click here to read the full disaster declaration.

https://www.ci.boerne.tx.us/CivicAlerts.aspx?AID=1258&ARC=2629

Insider fraud poses a growing threat to financial firms in the UK. But despite strengthening their fraud management capabilities, firms have been told they need go further to protect themselves and their customers from fraudsters. The Fraud Governance report from government regulator the Financial Services Agency (FSA) looked at how senior management is tackling fraud risk in 16 mainly larger financial services groups. It found that CEOs or other senior figures generally recognise that the increasing threat of fraud needs to be managed in a more effective and integrated way. But it adds that there areas where firms need to work harder. In particular, the report urges firms to be more proactive in collecting more detailed and accurate data and investing in systems and controls to detect mounting fraud threats at an early stage. Without this, it warns, some firms are currently not in a position to adequately assess where and why they are at risk from fraud. "A robust fraud strategy is one that is sponsored at the highest level within a firm and embedded within the culture," said Philip Robinson, financial crime sector leader at the FSA. "While the larger firms have been forced to wake up to fraud, those that have so far remained outside the fraudsters' radar are not as developed. "Fraud threats are dynamic and fraudsters constantly devise new techniques to exploit the easiest target. Firms need to continue to invest in systems and controls and manage their responses to fraud in order to avoid being targeted as the weakest link." The report found firms that underinvested in anti-fraud measures tended to suffer relatively high levels of losses. Insider fraud - whether arising from collusion, coercion, infiltration or existing employee action - was cited by firms as one of the most serious threats. The most common example offered by firms was incidents of staff being approached outside work and offered money to sell confidential information. To counter this rising threat firms have tightened their employee vetting procedures. The intensity of vetting varied between firms but did not always apply to both temporary and permanent staff. One firm applied seven levels of screening with the degree of due diligence tailored towards the seniority of the role. Another firm stated that 8 per cent of potential hires were rejected after vetting Investment in systems and a focus on robust anti-fraud operational processes, which are embedded in business units, are key to improvements in fighting fraud, the FSA said. Where firms are getting better at identifying, assessing, mitigating and reporting fraud risk, this is a recent improvement and needs to be sustained. Only a handful of firms were found to be developing formal risk assessment processes and, as a result, firms tended to respond to fraud in an incident-driven manner. In particular, the report warns smaller firms to analyse their vulnerability to attack and consider the threats to their business in a structured way because the impact of an attack or series of fraud events could be particularly damaging. The report noted some unclear or inappropriate allocation of anti-fraud responsibilities within firms. For example, accountability in individual roles was not always clearly defined and responsibility may be de-prioritised in favour of other business needs. There is increased co-operation within the industry, and firms see this as critical to the success of anti-fraud measures. There was particular support for the lead taken by some trade associations and initiatives such as information sharing between firms. The report also found evidence of competing priorities between fraud mitigation and customer experience. Firms were found to be wary of putting customers off by implementing protective measures that risk causing inconvenience to them over and above what their competitors do. Firms recognise that customer education and awareness is vital to reduce fraud, the report said, but they should ensure that sufficient resources are applied to these areas.

https://www.management-issues.com/news/3042/growing-threat-of-insider-fraud/

Navigating the insurance world is complex, but understanding the details and facts surrounding umbrella insurance and coverage gaps is important for protecting your assets and financial well-being. Midwest Professional Insurance is here to guide you, ensuring you have the necessary details to make informed decisions. Learn about the importance of umbrella insurance, how it can help close coverage gaps, and the key benefits of obtaining this additional layer of protection. What Is Umbrella Insurance? Umbrella insurance is a type of liability insurance designed to offer extra protection above and beyond the limits of your standard policies, like homeowners, auto, and boat insurance. When the limits are exhausted, umbrella insurance kicks in to provide additional coverage. As a result, umbrella insurance will protect you from a wide range of liability risks, including bodily injury, property damage, and even certain lawsuits. Understanding Coverage Gaps Coverage gaps occur when your primary insurance policies don’t fully cover the costs associated with a claim, leaving you responsible for the remaining amount. These gaps can result from various factors, including policy exclusions, limits, and deductibles. For instance, if your auto insurance policy has a limit of $300,000, and you are found liable for $500,000 in damages, the coverage gap would be $200,000. Key Benefits of Umbrella Insurance Extended Liability Protection: Umbrella insurance provides an additional layer of protection when the limits of your primary insurance policies are reached, minimizing the financial impact of a claim. Broad Coverage: Umbrella insurance covers a wide range of liability risks, including personal injury, property damage, and legal defense costs in the event of a lawsuit. Affordable Protection: Umbrella insurance offers a cost-effective way to enhance coverage and minimize exposure to financial loss. The Role of Insurance in Closing Coverage Gaps Midwest Professional Insurance understands the importance of comprehensive coverage to protect your Kansas assets and safeguard your financial well-being. By identifying potential coverage gaps and recommending suitable umbrella insurance policies, We help clients achieve peace of mind, knowing their assets are protected from unexpected liability claims. Take Action Today by Calling Our Office Don’t let coverage gaps leave you exposed to financial risks. Instead, contact Midwest Professional Insurance for expert guidance on securing the right umbrella insurance policy to meet your needs in Kansas. Our team will assess your current coverage, identify potential gaps, and recommend a tailored solution.

https://www.mwpins.com/blog/2023/05/

Hurt at work? Trust the experienced work injury attorneys at Perona, Langer, Beck and Harrison to help you secure full and fair compensation. You have a right to a safe and healthy workplace. So when you get hurt at work, you are well within your rights to seek compensation. For most individuals, this involves pursuing a workers compensation claim. Unfortunately, California’s workers compensation laws are very complicated, and it is not at all uncommon for injured individuals to have their claims disputed and their payments denied or reduced. Don’t Settle for Minimum Payments! PLBH Will Fight for Full Compensation for Your Needs At PLBH, we care about every client’s needs. When you hire us as your work injury attorney, we will bring our 50+ years of experience in workers compensation and personal injury law to bear on your case, preparing the strongest possible argument for you to receive full and fair compensation for all the damages and suffering related to your injury. Depending on the facts of your case, you may be able to receive compensation for: - Medical costs - Lost wages - Lost earning power - Rehabilitation cost - Long-term care - Vocational retraining - Emotional distress We can also help the families of individuals who have suffered fatal work injuries to secure death benefits. We Handle All Kinds of Injuries At PLBH, we handle all kinds of work injuries, accidents and illnesses. We have the skills and knowledge required to help you clearly demonstrate the extent of your suffering so that you can clearly prove your need for compensation. Examples of the types of work injury cases we handle include: - Falls from Scaffolding, Ladders & Roofs - Toxic Chemical Exposure - Falling Debris - Repetitive Motion Injuries - Vehicle-Related Accidents at Work - Vision or Hearing Loss - Neck or Back Injuries - Occupational Diseases Workers Comp vs Personal Injury Claims While the majority of workers are covered under worker’s comp, some employers are not required to carry this coverage. If you are not covered, or if your accident involves liability on the part of someone other than your employer, you may have the option of pursuing a personal injury claim. The most important difference between the two types of claims is that workers comp does not require any proof of fault. All you have to prove is that you were injured at work or due to a condition of work. In a personal injury claim, you must show that someone else caused your injury. Additionally, keep in mind that while workers comp does not cover damages for pain and suffering, personal injury claims do. You can rely on our experienced attorneys to advise you whether it is in your best interests to pursue a workers compensation claim or a personal injury claim. Start Building Your Case Today If you have been injured at work, it is essential to act quickly to preserve your ability to make a strong claim for compensation. Report your injury to your employer right away, and then contact the work injury attorneys at Perona, Langer, Beck and Harrison for help. We will start working on your behalf immediately and make sure your claim gets filed within the deadlines. Call us at (800) 435-7542 to learn more about our no-risk work injury representation during a free initial consultation.

https://www.plblaw.com/practice-areas/work-injury/

Keep the Home Fires Burning — In the Fireplace, That Is… Getting your chimney and fireplace inspected at the first sign of cold weather probably isn't on your radar, but it's the only way you'll know if you can safely begin using it. Here are a few recent statistics: - In November 2013, a home in Mobile, Alabama, caught fire when hot embers fell into cracks in the walls of the fireplace. - On Thanksgiving night 2013, a fire started in the walls around a fireplace flue in a home in Somerville, Massachusetts, causing $30,000 in damage. - During the second weekend in December 2013, various fireplace issues caused five house fires in the Kansas City area. There’s a good chance these fires could have been avoided if the homeowners had their chimneys inspected or cleaned before lighting the first fire of the season. Preventing Fireplace Dangers When you are ready to have your chimney and fireplace inspected, hire a professional who is certified to inspect and correct any problems. A good place to start your search is the Chimney Safety Institute of America. Here's what a good chimney sweep will look for: - A chimney cap with a screen. The cap will keep rain and snow out, and the screen will keep birds and other animals from building a nest in your chimney, which would block smoke's escape route. - The condition of the chimney's bricks or stone and mortar. Over time, weather can cause cracks in the mortar that need to be fixed. In addition, they will check for any bricks that may need to be replaced. - Creosote buildup. Creosote buildup is a leading cause of chimney fires, and the reason your chimney should be swept. - Cracks in the tiles that line the flue or the firebox. If flue tiles are cracked, embers can get through the cracks and cause a house fire. - An airtight seal on glass doors. Excess air can make the fire too big and difficult to control. - The condition of the blower. If your fireplace has a blower, have it cleaned periodically. Most fireplace blowers do not have filters, so dust and dirt can accumulate and cause it not to work as well or cause a fire. A simple cleaning will fix this problem. Other things to keep in mind: - Only burn seasoned hardwood in a wood burning fireplace, and never use cardboard or flammable liquids to ignite the fire. - Keep flammable items away from the area in front of the fireplace. - Store firewood at least 30 feet away from your house. If a fire does start, the wood won't catch fire and make it worse. - Store ashes in a metal bucket so that any ashes that may still be hot do not start a fire. - Make sure smoke detectors and carbon monoxide detectors are in good working order. Fireplaces are a great addition to a home. A little maintenance can help ensure that your fireplace will be a source of warmth and beauty for many winters to come.

https://www.shelterinsurance.com/learningcenter/yourhome/keepthehomefiresburning/index.html

U.S. Army Cyber Command is on its way to Augusta, but it might look a little different. During a keynote address at AFCEA’s TechNet Augusta 2019, Lt. Gen. Stephen Fogarty, the commander of Army Cyber Command since May 2018, said he plans on proposing a name change over the next two months. Because of the wide variety of responsibilities soldiers will have to perform in the cyber branch of the military, Fogarty said “Army Information Warfare Command” would be a more accurate descriptor. Over the course of this year, Fogarty said the military plans to bring Army Cyber Command headquarters to Fort Gordon from Fort Belvoir, Va. He said there are already a significant amount of soldiers and some civilians in the area, and he expects the headquarters building to be finished and operating by June 20, 2020. Fogarty also emphasized the need for speed in cyberwarfare. He said progress in cyberspace has been impeded by bureaucracy, and that the U.S. needs to create an information dominance. He called on industry partners and academics for advice on the best way to train and equip soldiers for missions in cyberspace. At the completion of his address, Fogarty signed into effect an advisory board for Career Program 71, which involves civilians as “cyberspace effects professionals” who enable and execute cyberspace operations. The program was recognized as the Army’s 32nd civilian career program as of May 2019. Andricka Thomas, cyberspace effects career program director, said civilians have been working for the military in cybersecurity since 2014, but the program provides a dedicated framework for the mission. “We need a career program that’s dedicated to how do you continuously retool the civilian workforce to be able to stay ahead of the threat,” she said. The program works to develop civilian experts who contribute to the Army’s cyberwarfare experts, and it will continue to establish training plans and career paths for the now formally-recognized community. The workers are typically trained from jobs such as cybersecurity, cyberintelligence, and cyber information technology. © 2019 The Augusta Chronicle Distributed by Tribune Content Agency, LLC.

https://americanmilitarynews.com/2019/08/cyber-command-head-wants-name-changed/

Following on from the tragic fire at Grenfell Tower in London, both via the Proud to be on Gamesley group on Facebook and other methods, a number of local residents got in touch with concerns around the CESP insulation works that were completed on Gamesley and Fairfield a few years back. The tragic events in London will be under investigation for some time, in the meantime I asked the council’s head of assets to check for reassurance around the work that was completed on Gamesley and in other places across the borough, and was advised the following : Statement from the council : “Following the fire at the Grenfell Tower in London, High Peak Borough Council has reassured its tenants that insulated render systems used on the exterior of their properties meet the recognised standards required by the British Board of Agreement and Building Regulations. External render was applied directly to the insulation material leaving no cavity which might facilitate the spread of fire and the work was carried out by approved installers in accordance with all relevant guidelines. The systems are classified Class 0 risk of spread of fire which is considered low risk.” Additionally the council also work closely with the Derbyshire Fire & Rescue service to keep fire risks under review, and where required we have access to portable misting system to reduce risk for vulnerable tenants. The council works with a range of agencies to try and keep us safe, however please also do what you can to keep yourself safe, test your smoke alarm, check your escape route is clear and if you need any additional fire safety information please visit the keeping safe section of the Derbyshire Fire & Rescue service website at http://www.derbys-fire.gov.uk/keeping-safe/

https://anthonymckeown.info/2017/06/fire-safety-concerns/

In this fast-paced and unpredictable world, it is crucial to safeguard our most valuable possessions. Whether it’s your home, car, or personal belongings, accidents, theft, and natural disasters can strike at any moment, leaving you vulnerable and facing significant financial losses. This is where insurance plays a vital role in protecting your valuables and providing you with peace of mind. In this comprehensive guide, we will explore the importance of insurance, the types of coverage available, and essential tips to ensure you have the right protection for your valuables. Protecting Your Valuables: Why Insurance Matters Insuring your valuables is not just a wise decision; it is an essential step towards securing your financial future. While some may perceive insurance as an unnecessary expense, it is crucial to understand the potential risks and the devastating consequences they can have on your life. Here are some compelling reasons why insurance is essential for protecting your valuables: 1. Safeguarding against Natural Disasters Mother Nature can be unpredictable and unforgiving. From hurricanes and earthquakes to floods and wildfires, natural disasters can wreak havoc on your property and belongings. With the right insurance coverage, you can recover the financial losses incurred due to such catastrophic events. Homeowners insurance, for example, provides coverage for damages caused by natural disasters, ensuring that you can rebuild and replace your valuables. 2. Mitigating the Financial Burden of Accidents Accidents happen when least expected, and the financial burden that comes with them can be overwhelming. Whether it’s a car collision, a slip and fall incident, or an accidental fire, insurance can help ease the financial strain by covering medical expenses, property damage, and legal liabilities. Auto insurance and liability insurance are essential to protect yourself and your assets in the event of an unfortunate accident. 3. Protecting against Theft and Burglary Property crimes, such as theft and burglary, are prevalent in society. Criminals often target valuable possessions, leaving individuals without their prized possessions and feeling violated. With comprehensive insurance coverage, you can ensure that your stolen items are replaced or compensated, minimizing the financial impact of such incidents. Homeowners insurance and renters insurance typically provide coverage against theft and burglary, allowing you to recover the value of your stolen valuables. 4. Ensuring Financial Stability One of the primary purposes of insurance is to provide financial stability during uncertain times. Whether it’s a sudden illness, a disability, or the loss of a loved one, insurance can provide the necessary financial support to help you cope with the aftermath. Health insurance, life insurance, and disability insurance are crucial in protecting your financial well-being and ensuring that you and your loved ones are taken care of during challenging circumstances. 5. Peace of Mind Perhaps the most valuable benefit of insurance is the peace of mind it offers. Knowing that you are protected against unforeseen events and that you have a safety net in place can alleviate stress and anxiety. By investing in insurance, you can focus on enjoying life, knowing that you are prepared for any potential risks. Types of Insurance Coverage When it comes to protecting your valuables, various insurance policies are available to cater to specific needs and risks. Understanding these coverage options will help you make informed decisions about the type of insurance that best suits your requirements. Here are some common types of insurance coverage to consider: 1. Homeowners Insurance Homeowners insurance is designed to protect your home and its contents against a wide range of risks, including natural disasters, theft, vandalism, and liability. It provides coverage for the structure of your home, personal belongings, and additional living expenses if your home becomes uninhabitable due to a covered event. It is essential to carefully review the policy and ensure that your coverage aligns with the value of your home and possessions. 2. Renters Insurance Renters insurance is specifically designed for individuals who rent a home or apartment. While the landlord’s insurance typically covers the structure of the building, it does not extend to your personal belongings. Renters insurance provides coverage for your possessions, liability protection, and additional living expenses if you are temporarily displaced due to a covered event. It is an affordable way to protect your valuables and mitigate potential risks. 3. Auto Insurance Auto insurance is mandatory in most jurisdictions, and for a good reason. It protects you, your vehicle, and other drivers in the event of an accident. Auto insurance policies typically include coverage for bodily injury, property damage, collision, and comprehensive coverage for theft, vandalism, and natural disasters. Having the right auto insurance coverage not only protects your vehicle but also shields you from significant financial liabilities. 4. Health Insurance Health insurance is an essential form of coverage that provides financial protection against medical expenses. It helps cover the costs of healthcare services, including doctor visits, hospital stays, medications, and surgeries. With rising healthcare costs, having health insurance is vital to ensure you receive necessary medical care without facing exorbitant bills. It also provides access to a network of healthcare providers, ensuring you receive quality care when you need it most. 5. Life Insurance Life insurance is a crucial component of any comprehensive financial plan. It provides a death benefit to your beneficiaries in the event of your passing, helping them manage financial obligations such as funeral expenses, outstanding debts, and ongoing living expenses. Life insurance policies come in various forms, including term life insurance, whole life insurance, and universal life insurance. It is important to assess your needs and select a policy that aligns with your long-term financial goals. FAQs about Protecting Your Valuables: Why Insurance is Essential FAQ 1: Is insurance necessary if I don’t own a home? Yes, insurance is still necessary even if you don’t own a home. Renters insurance provides coverage for your personal belongings, liability protection, and additional living expenses in case of a covered event. It is a cost-effective way to protect your valuables and ensure you are financially prepared for unforeseen circumstances. FAQ 2: What factors should I consider when purchasing homeowners insurance? When purchasing homeowners insurance, consider factors such as the value of your home, the replacement cost of your belongings, the coverage limits, deductibles, and any additional endorsements you may need. It is also important to review the policy for exclusions and understand what events are covered. FAQ 3: Do I need both collision and comprehensive coverage for my car? The need for collision and comprehensive coverage depends on various factors, including the age and value of your vehicle. Collision coverage protects against damages caused by accidents involving other vehicles, while comprehensive coverage provides protection against theft, vandalism, and non-collision events such as natural disasters. Assess your needs, the value of your car, and your budget to determine the appropriate coverage. FAQ 4: How does health insurance protect me financially? Health insurance protects you financially by covering a portion of your medical expenses. Depending on your plan, it can include coverage for doctor visits, hospital stays, prescription medications, and preventive care. Without health insurance, you may be responsible for paying these costs out of pocket, which can be substantial. FAQ 5: What is the difference between term life insurance and whole life insurance? Term life insurance provides coverage for a specific period , typically 10, 20, or 30 years. It offers a death benefit if the insured passes away within the term of the policy. Whole life insurance, on the other hand, provides coverage for the entire lifetime of the insured and includes a cash value component that accumulates over time. It is important to consider your financial goals and affordability when choosing between the two. FAQ 6: Can I customize my insurance coverage to suit my specific needs? Yes, insurance policies can often be customized to suit your specific needs. Insurance providers offer various options and endorsements that allow you to enhance your coverage based on your requirements. It is advisable to consult with an insurance professional who can guide you through the process and help tailor a policy that aligns with your needs. Protecting your valuables through insurance is not just a smart decision; it is a necessary step towards securing your financial well-being. By understanding the importance of insurance, the different types of coverage available, and the factors to consider when selecting a policy, you can make informed decisions to safeguard your most valuable possessions. Remember, insurance provides peace of mind, ensuring that you can weather any storm and recover from unexpected events without facing devastating financial consequences.

https://dinsights.co.ke/protecting-your-valuables-why-insurance-is-essential/

Waste and recycling facilities are crucial in handling the world’s growing waste streams, but they pose a significant risk of fires. Facility operators face many challenges keeping employees, property, and assets safe from fires. For recycling facilities, the increased emphasis on recycling has resulted in an increased 32% average recycling rate, pushing recycling centers to the brink of overload. Couple this with the increase of flammable waste products in the waste stream, like li-Ion batteries, and the need for effective fire detection systems in these facilities has never been more critical. The EPA reports that 64 waste facilities experienced 245 fires that “were caused by, or likely caused by, lithium metal or lithium-ion batteries.” These fires significantly threaten public safety, the environment and businesses. The causes of these fires vary, but the most common are human error, lack of maintenance and electrical faults, notes a report from AXA Insurance and the Waste Industry Safety and Health (WISH) Forum. The data highlights the need for effective fire detection systems in these facilities. Infrared cameras have emerged as a game changer in early fire detection, greatly improving safety in waste and recycling facilities. Challenges in keeping waste and recycling facilities safe Waste and recycling facilities are prone to fires due to the nature of the materials they handle. Flammable materials, such as paper, plastics and chemicals, are commonly found in these facilities. Additionally, the high temperature required to process and recycle waste can cause equipment to overheat, leading to a fire. Moreover, these facilities usually have large open areas, which can cause the rapid spread of fires, making it difficult to control them when they do happen. Early detection of fires is critical for preventing significant damage to property, assets and the environment. Fires can quickly spread and cause catastrophic consequences, leading to loss of life and property. Additionally, firefighting in waste and recycling facilities is complicated by the presence of hazardous materials that make it difficult to contain and extinguish fires. Safe evacuation is also critical in waste and recycling facilities to prevent loss of life and injuries. The impact of infrared cameras in early fire detection Infrared cameras have become essential to early fire detection in waste and recycling facilities. These cameras work by detecting radiation in the infrared range of the electromagnetic spectrum. This allows them to detect hot spots that could indicate a fire before it is visible to humans. Infrared cameras can also detect temperature changes that indicate a fire is spreading or a piece of equipment is malfunctioning. By detecting fires before they become visible to the naked eye, waste and recycling facility operators can take action to prevent the spread of the fire before it causes significant damage. Infrared cameras can be mounted to survey large areas and detect in real time hot spots that could be precursors to fires. This enables facility operators to locate hot spots quickly and respond effectively. Infrared cameras, unlike human observers, can see through smoke and dust. This is particularly important in waste and recycling facilities, where smoke and dust are common, making it difficult to detect fires using traditional methods. Moreover, infrared cameras can monitor the temperature of equipment, which can help operators identify potential problems before they cause a fire. This proactive approach to maintenance can help prevent fires from occurring, saving money and preventing injuries. Connecting infrared cameras via the Internet of Things Connecting infrared cameras and other fire detection sensors via the Internet of Things (IoT) can enhance awareness and keep waste and recycling facilities safe. The IoT allows sensors and devices to communicate with facility operators and each other in real time. This means operators can receive alerts and notifications when a potential problem is detected. IoT-connected infrared cameras can also provide valuable data that can be used to optimize fire prevention strategies. By analyzing the data from infrared cameras, facility operators can identify potential fire hazards and take steps to prevent them from occurring. This includes identifying areas of the facility that pose a higher risk of fire, such as equipment prone to overheating, and implementing targeted maintenance programs to reduce the risk of fires. Furthermore, connecting infrared cameras via the IoT can reduce the challenges of firefighting and safe evacuation in waste and recycling facilities. By providing real-time information about the location and severity of a fire, operators can deploy firefighting resources more effectively, reducing the time it takes to contain and extinguish the fire. The IoT can also be used to automate evacuation procedures, providing employees with real-time information and directing them to the safest evacuation routes. Putting it all together Waste and recycling facilities face significant challenges keeping employees, property and assets safe from fires. Infrared cameras have emerged as essential tools for early fire detection, enabling facility operators to detect hot spots before they become visible to the naked eye. Connecting infrared cameras and other fire detection sensors via the IoT can enhance awareness and keep waste and recycling facilities safe by providing real-time alerts, informative dashboards and shareable views to aid firefighting and evacuation procedures. Using infrared cameras and the IoT, facility operators can take a proactive approach to fire prevention, reducing the risk of injuries and property damage and ensuring the safe and efficient operation of waste and recycling facilities. David C. Bursell is vice president of business development at MoviTHERM. For over 23 years, he has been extensively involved with infrared imaging science. He has worked for several imaging companies, including Inframetrics, FLIR Systems and now MoviTHERM. His education includes a B.S. in mechanical engineering from Brigham Young University and an MBA from Boston University. He has also studied digital marketing analytics at the Massachusetts Institute of Technology. The views and opinions expressed are those of the author and do not imply endorsement by Resource Recycling, Inc. If you have a subject you wish to cover in an op-ed, please send a short proposal to [email protected] for consideration. A version of this story appeared in Resource Recycling on May 8. More stories about batteries - EPA to launch battery recycling work sessions in March - Teck Resources eyeing EV battery recycling - Battery recycling tech aims for fully domestic production

https://resource-recycling.com/e-scrap/2023/05/10/in-my-opinion-use-ir-detection-to-help-prevent-fires/

Running a successful business entails juggling a multitude of responsibilities, from managing employees to ensuring customer satisfaction. However, one crucial aspect that can often be overlooked is business insurance. While it may not be the most glamorous topic, having the right insurance coverage is essential for safeguarding your business against unexpected risks and potential financial setbacks. Business insurance, also known as commercial insurance, provides protection against a wide range of risks that can impact businesses of all sizes and types. Whether you are a small startup or an established corporation, understanding the intricacies of business insurance is vital in mitigating potential hazards. From liability issues to property damage, there are various types of coverage available to tailor to the unique needs of your industry and business operations. Moreover, utilizing effective risk management strategies is key to optimizing your insurance coverage. Risk management involves identifying potential risks, implementing preventive measures, and creating contingency plans to minimize their impact on your business. By conducting thorough risk assessments and working closely with an experienced insurance professional, you can ensure that your business is adequately protected, allowing you to focus on what you do best: growing and thriving in a competitive marketplace. So, let’s delve deeper into the intricacies of business insurance and discover how it can secure your path to success. Understanding Business Insurance Business insurance is a critical component of any successful enterprise. It helps protect businesses from financial loss due to unforeseen events or circumstances that may arise. Whether you’re a small startup or a large corporation, having the right business insurance coverage can provide you with peace of mind and help safeguard your assets. Commercial insurance is a broad term that encompasses various types of insurance policies designed specifically for businesses. These policies typically cover a range of risks, including property damage, liability claims, and employee injuries. By investing in the right commercial insurance coverage, businesses can mitigate the financial impact of these risks and ensure their long-term stability. Risk management is a fundamental aspect of business insurance. It involves identifying potential risks that could affect a business and implementing strategies to minimize or eliminate them. By actively managing risks, businesses can effectively protect their assets, reputation, and overall success. Business insurance plays a crucial role in this process by providing the necessary financial protection in the event that risks materialize. In summary, business insurance is an essential tool for navigating the complex landscape of risk management. It provides businesses with the necessary financial protection to handle unexpected events that could otherwise disrupt operations and threaten their success. By understanding the importance of business insurance and investing in the right policies, businesses can safeguard their future and secure their path to prosperity. Types of Commercial Insurance When it comes to protecting your business, having the right commercial insurance coverage is crucial. Here are some of the key types of insurance policies that businesses often consider: Property Insurance: This type of insurance is designed to protect your business’s physical assets, including buildings, equipment, and inventory. Property insurance helps safeguard against potential risks such as fire, theft, or natural disasters. Liability Insurance: Liability insurance is essential for businesses as it helps cover legal costs and claims arising from third-party injuries or property damage caused by your business operations. This type of insurance provides financial protection in case of lawsuits, settlements, or medical expenses. Business Interruption Insurance: Unexpected events like natural disasters or accidents can disrupt your business operations and lead to significant financial losses. Business interruption insurance helps compensate for the income loss and covers ongoing expenses like rent, loan payments, and employee salaries during the period of interruption. Remember, there are other important types of commercial insurance coverage depending on your specific industry and business needs. Taking the time to assess the risks your business faces and obtaining the appropriate coverage can help ensure the long-term success and stability of your enterprise. Implementing Effective Risk Management An essential aspect of business insurance is implementing effective risk management strategies. By doing so, businesses can safeguard themselves against potential risks and mitigate any potential losses. Below are three key steps to consider when it comes to implementing effective risk management: Identify and Assess Risks: The first step in effective risk management is to identify and assess the risks that your business may face. Conduct a thorough analysis of your business operations, including your industry, suppliers, customers, and physical assets. This assessment will help you understand the specific risks that are unique to your business and allow you to prioritize them based on their impact and likelihood. Develop Risk Management Strategies: Once you have identified the potential risks, the next step is to develop strategies to manage and mitigate them. This could involve implementing safety protocols, conducting regular inspections, and investing in reliable security systems. Additionally, consider purchasing commercial insurance policies that specifically address the risks your business faces. Having appropriate insurance coverage can significantly reduce the financial impact of unexpected events. Regular Review and Adaptation: Effective risk management is an ongoing process. It is essential to regularly review and adapt your risk management strategies. Keep track of changes in your business environment, such as new technologies or regulations, and evaluate if your current strategies are still adequate. Stay updated on insurance options in the market to ensure your coverage aligns with your evolving risk landscape. Implementing effective risk management practices can provide your business with the necessary protection and peace of mind. By proactively identifying and mitigating risks, you can ensure the long-term success and sustainability of your business. Remember to regularly review and adapt your strategies to stay ahead of potential threats.

https://ruseglobal.com/insure-your-success-navigating-the-business-insurance-landscape/

Which is not an example of a risk management strategy? If you are looking for an answer for this question then you are at your last destination. Here you will get an answer for this question along with a clear understanding of risk management strategy.So lets be benign form here you keep continuing reading. A suitable risk management strategy is essential for dealing with the various types of risk that your organization may face. However, what exactly is a risk management strategy? And what risk management solutions are available to you? Which is not an example of a risk management strategy? A) wearing reflective clothing while biking at night. B) Buying a new car C) Wearing a seatbelt while driving D) Wearing a helmet while biking SO correct answer will be option B) Buying a new car. Buying a new car is not a risk management strategy because it addresses no specific risk that may harm a business or a project. It is a personal or corporate decision that may be influenced by a variety of reasons such as budget, preference, or necessity. Purchasing a new car may also expose you to new risks, such as depreciation, maintenance, and insurance expenditures. While not risk management strategies, the other possibilities could be considered risk management strategy Types of risk management strategy Acceptance of risk Risk acceptance is defined as “acceptance of a risk with no action taken to mitigate it.” This method will not lessen the impact of a danger or prevent it from occurring, but this is not necessarily a bad thing. When the cost of risk mitigation exceeds the cost of the risk itself, it makes more sense to simply accept the risk. After all, why invest £200,000 to avoid a risk worth £20,000? Transference of risk Risk transference is described as “a risk transferred through a contract to an external party who will assume the risk on behalf of an organization.” Transferring a risk does not completely eliminate it. The risk remains, but responsibility for it has shifted from your organization to another. Travel insurance is an example of this. You do not accept the danger of a lost suitcase or an accident overseas, as well as the associated expenditures; instead, you pay a travel insurance company to endure the financial consequences on your behalf. Avoidance of risk A risk is eliminated by not performing any action that would result in the risk occurring’ – this is risk avoidance. If you use this method, you want to entirely remove the probability of the risk happening. Investing is a good example of risk avoidance. If you consider the risks involved with the investment to be too high, you simply do not make the investment. Reduction of risk Risk reduction occurs when a risk becomes less severe as a result of activities done to prevent or reduce its impact. When it comes to risk management, risk reduction is a frequent method. It is also known as risk reduction. If you follow this method, you will need to figure out what steps or activities you can take to make risks more manageable. FAQs related to which is not an example of a risk management strategy? Let’s discuss some questions related to our question which is not an example of a risk management strategy? So we do not have any confusion remains What is an illustration of a risk management strategy? Utilizing existing frameworks and best practices, developing a minimal viable product (MVP), contingency planning, root cause analysis and lessons learned, built-in buffers, risk-reward analysis, and third-party risk assessments are some examples of risk management tactics. What are the four different types of risk management strategies? There are four main approaches to risk management: risk avoidance, risk mitigation, risk acceptance, and risk transference, which we’ll go over later. Risk response can be an ongoing effort including the design and implementation of new control processes, or it can require quick action, War Room style. What is not covered in the risk management plan? While risk management may include audit procedures, achieving a clean audit opinion does not imply that you have a thorough risk management program. Organizations must distinguish between the two and prioritize both for success. What risks are not covered by operational risk? The risk of loss caused by inadequate or failing internal processes, people, and systems, as well as external events, is referred to as operational risk. Legal risk is included in this definition, but strategic and reputational risk are not.

https://trendingstories.com.au/which-is-not-an-example-of-a-risk-management-strategy/

If you read a report from the: Bureau of the Committee on Fiscal Affairs Centre for Tax Policy and Administration Organization for Economic Cooperation and Development 2, rue André Pascal 75775 Paris Cedex 16 France … you probably would not be surprised to find a report suggesting businesses do not pay enough in taxes. And, you might possibly expect to find references to “fairness” and “responsibility” regarding businesses and their efforts to reduce their tax burdens on behalf of their shareholders. In light of last week’s Captivating Thinking article about Apple avoiding taxes to the tune of tens of billions of dollars through multi-national subsidiaries (and many other large corporations utilizing similar practices), one would think the Organization for Economic Cooperation and Development would have plenty upon which to focus their efforts. However, their February 2013 report on “Base Erosion and Profit Shifting” makes a few small references to captive insurance companies as a vehicle used by large corporations for “profit shifting.” Their report demonstrates ignorance (at best) and blatant over-reach (at worst) in their criticism of the captive insurance industry. Fortunately the Captive Insurance Companies Association (CICA) and the European Captive Insurers and Reinsurers Owners Association (ECIROA) have taken the OECD to task in a well written letter that lays out facts about the industry and offers to meet and provide a thorough explanation of the utilization of captives in risk management to the OECD. The Captive Insurance Companies Association (CICA) and the European Captive Insurers and Reinsurers Owners Association (ECIROA) are two associations organized on a multi-national, jurisdictionally neutral basis to speak for captive insurance companies and those who interact with captive insurance companies. The letter from CICA and ECIROA clearly demonstrates that the OECD really does not understand complex risk management, the commercial insurance industry and the critical role captives play in complex risk management. The letter notes that, “Captive insurance companies (CICs) provide insurance coverages that are often not available in the commercial insurance market,” and CICs “create an environment of competition within insurance markets that benefits both the purchasers of insurance and the governments that rely on the success of the companies that utilize captive insurance arrangements.” The point is simple. CICs are often tied to strong companies – companies that provide employment and support local economies. The CICA letter is thoroughly educational and also notes the following: - Captives are an integral part of the “enterprise risk management” of Multinational Enterprises (MNE). Captives are the state-of-the-art model providing a professional “total cost of risk” picture for all corporations engaged in production, distribution and provision of services within numerous different countries. - CICs develop a higher level of risk awareness by the insured, more intensive/visible and reactive local risk management, lower vulnerability and ultimately lower cost of production and services for the end consumers. - CICs provide the insured with a higher level of transparency in areas such as commissions, fees, and administration costs for claims handling and processing. - Captives are the only tool available to MNEs to manage otherwise uninsured risk exposures in a formalized and regulated way. Captives insure more efficiently those risks which the professional insurance market does not want to accept because they involve high costs of administration and claims handling, i.e. the area of high frequency/low severity losses. - Captives allow MNEs to reinsure risk directly to the reinsurance market (which is not possible without captive involvement) and thereby can access the higher levels of capacity they need to protect their risks. - Captives allow their owners/parent company to insure risks which are, to a certain extent, uninsurable in the traditional insurance market. This has created an opportunity for the development of new insurance products once the “professional” insurers realize that the insurability (and quantification) of a risk they formerly declined to cover is calculable. - Captives in the United States are widely utilized by small and medium sized businesses and not-for-profit organizations to address insurance placement challenges not addressed by the traditional insurance market. For example, a significant majority of non-profit hospitals in the U.S. utilize captives to cover their medical malpractice insurance requirements rather than relying on the volatile commercial insurance market that has a history of wild pricing and availability swings. Obviously, since the captives for these not-for-profit organizations are not subject to taxes, - The most important point is that captive insurance companies are just that – insurance companies. Like all insurance companies, they are highly regulated by the financial authorities where they are registered. Captive insurance companies are a risk financing tool that is essential for stable business operations, not a tax avoidance business. It is certainly encouraging to know that organizations like CICA and ECIROA are actively watching out for the best interests of the industry and the thousands of companies that benefit from risk management through CICs. After reviewing the letter to the OECD, one other point comes to mind. All insurance purchases (whether through a third party commercial carrier or through a captive) are a form of “profit shifting.” If a company were to choose to not insure its risks (and was fortunate enough to have a year with no negative events), it would make more profit that year, which would translate into more taxes. Of course, such a course of action would be ridiculous. “Shifting profit” by adequately insuring business risks is prudent and tied to the long term viability of any enterprise and its owners. The real difference between insuring some or all risk in a captive and insuring risk with a commercial carrier is that the captive structure may alter where “shifted profit” ultimately resides. Companies that own a captive with built-up reserves (“shifted profit”) are almost always better prepared to manage future risks. To view the entire letter from CICA and ECIROA to the OECD click the link below.

https://www.captivatingthinking.com/cica-rebuffs-oecd-witch-hunt-report-on-tax-avoidance/

As businesses of all stripes have adopted new technology to support operations in the past few years, they have had to tighten their cyber risk management practices. Even insurers who sell cyber insurance are managing their own risk by holding their policyholders to higher standards when it comes to their cyber risk management. Restaurants are no exception – and while the hospitality sector tends to rank lower on the list of attractive cyber targets as compared to other sectors, a cyber attack can still interrupt business, harm a restaurant’s reputation and cause financial damage. As restaurants have adopted new technology for everything from guest payment to inventory management, their shift to digitization has only elevated their cyber risks. Threat actors seek out vulnerability – often in the form of human error. Restaurants, with an ever-shifting employee base, can provide many windows of opportunity for cyber breaches. As your operation adopts new technology, partner with your IT and HR leaders to ensure you limit the number of people with access to sensitive information, that you can readily identify who has access and when, and that those employees receive ongoing training on minimizing risks. Having a non-punitive culture can also help ensure your team feels comfortable bringing a breach or suspicious-looking activity to the attention of a supervisor and, in effect, limits damage to the business. More tech articles

https://www.foodserviceceo.com/technology/new-tech-adapt-your-risk-management-accordingly

A judge in the United States District Court for the District of Utah denied Defendants’, Federal Recovery Services and Federal Recovery Acceptance, Inc. (collectively “Defendants”), Motion for Partial Summary Judgment seeking a determination that Plaintiff, Travelers Property Casualty Company of America (Travelers), owed a duty to defend under a cyber liability policy. (Travelers Property Casualty Company of America, et al. v. Federal Recovery Services, et al., Case No. 2:14-CV-170 TS). Defendants tendered defense of the underlying action brought by Global Fitness Holdings, LLC (Global Fitness) to Travelers. Travelers accepted tender of defense under a full and complete reservation of rights. Defendants are in the business of providing processing, storage, transmission, and other handling of electronic data for its customers. Travelers issued a cyber liability insurance policy to Defendants which provided, “Travelers has a duty to defend the insured against any claim or suit seeking damages for loss to which the insurance provided under one or more of ‘your cyber liability forms’ applies.” The cyber liability policy included a Technology Errors and Omissions Liability Form. The Form states that insurance applies only to a “loss caused by an ‘errors and omissions wrongful act’ committed in the ‘coverage territory’.” An “errors and omissions wrongful act” is defined as “any error, omission or negligent act.” In October 2012, Global Fitness brought suit against Defendants asserting claims for conversion, tortious interference, and breach of contract. Global Fitness owns and operates fitness centers in several states. It entered into a contract with Defendants that required Defendants to process Member Accounts and transfer members’ fees to Global Fitness. Global Fitness subsequently entered into an Asset Purchase Agreement with LA Fitness whereby it agreed to transfer all of its account data to LA Fitness. Global Fitness informed Defendants of the need to return Member Accounts data to Global Fitness; but Defendants withheld certain parts of the data, along with funds it received in servicing Member Accounts, until Global Fitness satisfied vague demands for significant compensation. Defendants’ refusal to return the Member Account information is the basis of the underlying action that Defendants tendered to Travelers for defense. The issue before the Court was whether the underlying Global Fitness action triggered Travelers’ duty to defend under the terms of the cyber insurance policy it issued to Defendants. Travelers argued that it had no duty to defend under the terms of the cyber liability policy because Global Fitness did not allege damages from an error, omission or negligent act. Under Utah law, an insurer has a duty to defend when the insurer ascertains facts giving rise to potential liability under the insurance policy. The cyber insurance policy covered errors, omissions and negligent acts, but Global Fitness did not allege that Defendants withheld data because of any error, omission or negligence. Rather, Global Fitness alleged that Defendants knowingly withheld information, exhibiting knowledge, willfulness and malice. Based on these allegations contained in Global Fitness’ complaint, the Court denied Defendants’ Motion for Partial Summary Judgment. This case is one of the few judicial decisions interpreting the terms of a cyber insurance policy. It demonstrates one of the many ways the terms of these policies will be challenged in the future. However, the Court’s decision should not be seen as an indicator of a future trend denying coverage under cyber liability policies. This case is a straightforward application of insurance law, and the facts of the case did not present any novel issues for the Court to deal with in the cyber insurance context.

https://www.mckenna-law.com/district-court-finds-duty-defend-cyber-liability-policy/

On May 13, 2006, Edward Feierstein was driving home from his Philadelphia fitness club when his car was rear-ended. Two days later, Feierstein filed a claim with the tortfeasor’s liability insurer seeking reimbursement for his alleged bodily injuries. Two years later he filed suit against the company’s insured. The liability insurer, in its defense of the suit, hired a private investigator. Surveillance video footage was secured of Feierstein working out at a fitness center, and his club, while stretching, exercising on an elliptical machine, a weight-lifting machine, and playing tennis. At his deposition, Feierstein was unware of the video surveillance. He testified that he had not played tennis at all since the accident, nor worked out in any gyms since the accident. Feierstein withdrew his civil suit when he learned of the video footage. On December 15, 2011, he was charged criminally with insurance fraud and perjury. He was convicted at a bench trial after his motion to suppress the video footage was rejected. On appeal, he claimed that the Commonwealth of Pennsylvania failed to prove the element of materiality with respect to his false deposition testimony. He claimed that his “mistaken deposition testimony” was material to nothing, that he was confused and, as such, incapable of forming the requisite intent, and claimed that his reasonable expectation of privacy was violated. Relying in large part upon the opinion of the trial court, the Pennsylvania Superior Court in Commonwealth v. Edward Feierstein, 2016 WL 800615 (Pa. Superior Ct. 2016) affirmed the judgment of sentence. The court held that even though the false deposition testimony occurred as a direct consequence of Feierstein’s civil lawsuit, rather than the initial submission of his insurance claim to the liability insurer, the distinction was meaningless since Feierstein’s litigation against the tortfeasor, in furtherance of his insurance claim, required that the insurer defend its insured against the suit. Thus, insurance fraud is not (and ought not to be) limited to the pre-litigation stages of a claim. Additionally, the court held that records from the defendant’s fitness center, which were turned over to the investigator for the Insurance Fraud Unit of the Pennsylvania Attorney General’s Office, were appropriately admitted since a third party with joint access and control over the records consented to the search. Therefore, there can be no reasonable expectation of privacy under those circumstances. The court also ruled that the offenses of insurance fraud and perjury require that a false statement be material. 18 Pa. C.S.A. § 4117(a)(2). The court held that the Insurance Fraud statute does not require a defendant to cause actual injury or detriment to a victim. Feierstein claimed that since the insurer’s attorney at the deposition already possessed the surveillance video of the defendant playing tennis, the attorney could not have believed or relied upon his false deposition testimony that he could not play tennis. Therefore, the information was immaterial. Rejecting this argument, the court held that the only reason defendant made the false statements was to contribute to the success of his claim (emphasis added). The only reason the insurer ordered the surveillance was to prove the limited extent of defendant’s injury. The court stated that Feierstein was not “stretching the truth on a collateral issue, but offering a direct measure of the extent of the effects of his injuries in an attempt to increase his award, which was still at issue.” The court also stated: “Defendant’s false representations as to the extent of his injuries were meant to, and did, have a central role in the survival and strength of his insurance claim.” The court held the element of intent is established if a person acts intentionally, knowingly or recklessly with respect thereto under the perjury statute, and knowingly with respect to the insurance fraud statute. The court held that Feierstein’s intentions in making his false statements can indeed and often must be proved by circumstantial evidence. Thus, criminal insurance fraud can be established even during the course of legal proceedings, and the materiality of false statements is satisfied if they are made in order to contribute to the success of an insurance claim.

https://www.propertyinsurancelawobserver.com/2016/06/15/an-injured-third-partys-knowingly-false-deposition-testimony-establishes-the-materialty-component-for-insurance-fraud/

Holiday insurance is important for any trip but even more so for a ski holiday. Specific winter sports insurance is required to make sure you have covered all bases, with the essential emergency medical, piste rescue, cancellation, through to a lost ski or an unexpected avalanche. For this reason it is a condition of travelling with us (and any other travel company) that you and everyone travelling in your party has purchased a travel insurance that is suitable for your trip. MPI Brokers have worked with us for many years and provide a high level of cover for the trips we provide. Their policy fulfils our booking conditions and ensures you are suitably protected for your ski holiday. To obtain a quote, please click on the banner below and benefit from an online discount. It is an express condition of booking that you have adequate ski insurance offering cover for (but not limited to) Emergency Medical, Repatriation, Piste Rescue, Personal Liability, Cancellation, Ski Equipment (your own or hired), Piste Closure during peak times etc. You must ensure that your insurance covers you for all the activities you undertake in resort such as apres ski, on and off piste, heli-skiing, snow parks and tobogganing among others. No liability will be accepted by Skiworld for any clients travelling without adequate insurance. Travel insurance should be taken out at the time of booking for cancellation cover to be in place and suggest include extra covid cover for cancellation and emergency medical.

https://www.skiworld.co.uk/wintersports-insurance

At StateChoice Insurance, we exceed expectations. A culture of doing the right things. Anyone can promise great service, but not everyone can deliver it. At StateChoice Insurance, we’ve built a culture around doing the right things. But don’t just take our word for it. Read these client testimonials to see exactly what we mean. “Super helpful company. I just opened a small business and not only did they get me insured for the business, they also did my car insurance and property insurance. I was able to save hundreds on my premiums.”John B. “Great customer service. I own a driving school, and Rui reviewed my policy and was able to save me quite a bit of money. Highly recommend!”Bernard A. “They are the best! I had issues getting insurance, and they worked magic and got me coverage. Thanks!”Sophia N. “Great customer service, and they helped me quickly save a lot of money with my insurance.”Carine C. “Very friendly atmosphere, and they were able to save me money on my auto and home insurance.”Carlos Q. “The front desk was very helpful, speedy, and resourceful. They got me in and out in a timely manner and were all-in-all a pleasure to do business with. Great family atmosphere throughout.”Justin C. “Great and speedy service, they’re always calling me on my renewals to make sure I’m always saving money. Thank you for all you guys do for me and my family!”Carlos S. “I was able to save over $4,200 per year by switching to StateChoice Insurance. Thank you!”Johanna R. “Great insurance agency. Continues to provide the best quotes and impeccable customer service.”Angel N. “Exceptional customer service. I was tired of going to agencies that only cared about selling and would forget about servicing. Whenever I need help or have a question or a concern, they promptly contact me. Will always recommend to family and friends.”Neusa B. Request an Insurance Quote As an independent agency, we are here to help you find the right coverage. Get a Quote It only takes a minute to get started. - Fill out the form, we’ll be in touch. - Go over your options with an agent. - Get the coverage you need.

https://www.statechoice.com/about-our-agency/amazing-feedback/

As far as the insurance company is concerned, once a claim is paid the file is closed. Under the law, insurance claims are open-ended. If more damage stems from the original event, the insured party can bring additional claims. As perhaps you have learned, insurers vehemently object to these claims. Williams Law, P.A., in Central Florida, has extensive experience in reopening insurance claims and other property damage claims. We have represented homeowners, businesses, condominium associations, and other property owners in pursuit of new damages under “old” claims. Reopening an Insurance Claim for Newly Discovered Damages In a common scenario, the insurance company’s adjuster pays $5,000 to fix a roof damaged by gale-force winds. After the claim is “closed,” the homeowner discovers damage to an exterior wall. An investigation reveals that soffits and siding were also compromised by the hurricane. The insurance company balks, saying that the claim is closed or that the original roof settlement covered the newly discovered damage. These cases often hinge on proving that the new claim is related to the hurricane or other event that transpired months or years earlier. Williams Law, P.A., can bring in the necessary experts to establish the causal relationship. Even if you think you signed away your rights, reopening your hurricane damage claim may be possible. Attorney K.C. Williams has been fighting insurance companies for over 27 years and has secured compensation in thousands of hurricane property damage cases after prior payouts. He can determine if your claim is truly settled and closed, or whether you have grounds to bring new claims for losses. Has Your Home Insurance Company Denied Or Undervalued Your Property Damage Claim In Florida? If your insurance company is dragging its feet regarding your property damage claim you should speak with an experienced insurance claim lawyer as soon as possible. Please contact us online or call our Florida law office directly at 800.451.6786 to schedule your free consultation. We help Florida residents just like you fight the big insurance companies who fail to abide by their policies. Remember, we work on a contingent basis, meaning you don't pay us anything until we win your case.

https://www.williamspa.com/library/reopening-a-hurricane-claim-in-tampa.cfm

Travel is a rewarding experience at any age, and senior citizens should have every opportunity to explore the world with peace of mind. Ensuring adequate travel insurance is an essential part of trip planning for older adults, as it helps mitigate the unique risks they may face. This article explores the importance of travel insurance for senior citizens, what it should cover, and how to select the best policy for your needs. 1. The Importance of Travel Insurance for Senior Citizens Senior citizens often face higher health risks and may require more comprehensive insurance coverage compared to younger travelers. Travel insurance can offer vital financial protection and peace of mind, knowing that they are covered in case of unexpected events. Here’s why it’s essential: - Health Coverage: As we age, the probability of health issues occurring increases. Travel insurance can cover medical emergencies that might happen during a trip, including hospitalization costs and medical evacuation. - Trip Cancellation/Interruption: Older adults might need to cancel or cut their trip short due to unexpected health issues or other emergencies. Travel insurance can cover the costs related to these unforeseen changes. - Baggage and Personal Belongings: Travel insurance can provide coverage if luggage is lost, stolen, or delayed, reducing potential stress and financial loss. 2. What Travel Insurance for Senior Citizens Should Cover Travel insurance policies for senior citizens should offer broad coverage. Here are some key aspects to consider: - Medical Coverage: This is the most critical part of travel insurance for seniors. It should cover emergency medical treatment, hospitalization costs, and medical evacuation. - Pre-existing Conditions: Some senior travelers may have pre-existing medical conditions. Ensure your policy covers these or consider a policy with a pre-existing conditions waiver. - Trip Cancellation/Interruption: This coverage reimburses for pre-paid, non-refundable expenses if you need to cancel or cut your trip short due to covered reasons. - Baggage Loss/Delay: This coverage can reimburse for lost, stolen, or damaged baggage and personal items. - Travel Delay: This covers additional expenses if your trip is delayed due to covered reasons. 3. Choosing the Right Travel Insurance for Senior Citizens Choosing the right travel insurance policy requires considering your individual health, travel plans, and financial situation. Here are some considerations: - Assess Your Needs: Consider the nature of your trip, the activities you plan to do, and your overall health. - Compare Policies: Different insurers offer various packages. Compare the coverage, exclusions, limitations, and prices of different policies. - Consider Specialized Insurers: Some insurance providers specialize in policies for senior citizens and may offer more tailored plans. - Check Medical Coverage: This is crucial. Make sure the policy offers comprehensive medical coverage, including pre-existing conditions if needed. - Understand the Fine Print: Read the policy thoroughly to understand the terms, exclusions, and claim process. 4. Tips for Senior Travelers Here are some additional tips to ensure a safe and smooth journey: - Consult Your Doctor: Before traveling, consult with your doctor, especially if you have pre-existing conditions. They can provide advice tailored to your health status and the nature of your trip. - Carry Sufficient Medication: If you’re on medication, carry enough to last your entire trip plus some extra in case of delays. - Stay Active and Hydrated: Regular movement and hydration can reduce the risk of travel-related health issues like deep vein thrombosis (DVT). - Know Emergency Numbers: Be aware of emergency numbers in your destination country, including the nearest embassy or consulate. Travel insurance is a crucial part of planning for senior citizens. It provides financial protection and peace of mind, allowing you to enjoy your travels without worrying about unforeseen circumstances. By understanding your needs, comparing policies, and ensuring comprehensive medical coverage, you can find a travel insurance plan that offers the protection you need. With the right insurance in place, the world is open for you to explore and enjoy.

http://www.musicalesortizo.com/travel-insurance-senior-citizens.html

Factors to Check Before Signing the ULIP Proposal Before making the final decision regarding an investment plan, one must do a great amount of research. One should look at the various aspects of the plan to get a comprehensive understanding of the topic. And if the investment plan is also a life insurance policy, such as a ULIP, then doing this research becomes even more important. ULIP premiums are used to invest in the market as well as to create and sustain the life cover of the policyholder. Adequate research ensures you to a certain extent that both these aspects of the policy serve their aims. To help you in the process, we take a look at the important factors one must verify before signing the ULIP proposal document. Check these before you sign the ULIP proposal Life coverage limitations When you buy a life insurance policy, you do so with the intention of securing the future of your family. Therefore, you must check the conditions under which your chosen beneficiaries will receive the sum assured amount. For instance, some policies do not cover deaths that occur within the first 2-3 years of the policy. Or some situations in which the policyholder passes away may not be covered. You should check if the policy has comprehensive coverage. Its wordings should ensure the ultimate protection for your loved ones at the earliest. As compensation for the varied benefits they offer, ULIP insurers levy multiple charges on their plans. Some of these charges are policy administration charges, fund management charges, surrender charges, and so on. These may differ according to plans and insurers. Hence, you must be well aware of the kinds of charges and penalties that your ULIP plan includes. A lack of information about this aspect can cause issues during the tenure of the plan. Policy lapse section Even though you may try your best to maintain your ULIP policy the right way, it may get lapsed due to one reason or another. Does that mean you will lose all the returns from the ULIP plans accumulated until now? There is a high chance that the answer is negative. Regardless, it is best to clear these matters before signing the policy proposal. You should read the policy wordings on this matter as well as connect with your insurer and get your doubts cleared. Understanding the ULIP benefit illustration is very important before buying a ULIP. This illustration describes the way your premium will be used, where your money will be invested, the ULIP charges levied, the returns expected, and so on. You also get to see the maturity value and the surrender value at different points of the tenure. The IRDAI has made it mandatory for insurers to showcase this illustration to ULIP buyers. Hence, you should also make it a point to check the illustration, review the information provided, and check if it meets your goals. The kinds of funds on offer There are different types of ULIPs in the market, with each catering to varying risk profiles. Thus, you should thoroughly check if the fund options you want are available in your ULIP policy. What to look for in the insurer before signing up Now you may know what to look for in the ULIP wordings, but that may not be enough. We list down some factors that you should look for in the insurer as well. - A credible reputation – An insurer with a credible repute provides you with the assurance that your money is in good hands. Check the reviews, testimonials, and so on before proceeding with an insurer. - Excellent customer service – A committed customer service staff is important to ensure that your complaints and queries are addressed with due consideration. - High claim settlement ratio – The claim settlement ratio is a good indicator of how dedicated the insurance company is to handling policyholders’ claims. That is why you should ensure that you choose an insurer that has a high claim settlement ratio. - Good past record – One must remember that past records do not always indicate future returns from ULIP plans. However, it does show how dedicated the company’s fund managers are to investing the policyholder’s money the right way. Even though all aspects of the policy may be correct, it may still need some tweaking to suit your needs. That is why you should also get the advice of a financial expert.

https://bank-instantloan.com/factors-to-check-before-signing-the-ulip-proposal/

Are you shopping around for a new car insurance policy? Have you been asked to pay the deposit first? Well, if that bothers you then you must be thinking the other way around. Usually, many insurers will charge extra for the first month’s payment which is called the deposit. This is something that most people don’t look forward to investing in. So if you are among them, then get car insurance with no deposit today. If you want to get car insurance with no deposit, then the best thing you can do is understand what it is about or how it works. Basically, No-money-down or no-deposit car insurance can be defined as a policy that allows one to pay on a monthly basis. In order to get insurance without paying any money, upfront is impossible. One has to pay at least the first installment to be fully insured. Therefore the insurance providers allow the clients to pay on an annual, semi-annually, quarterly and monthly basis. Now you must be thinking about how this car insurance with no deposit to pay upfrontworks? Probably it starts with where the insurance companies offer great deals to those who can pay the policymaking just one payment. For instance – a driver can pay the total policy cost of $846 at one time or can also choose to make monthly payments of $147 for six months. However, paying every month increases the cost up to $36. Besides that, you should know that there are many factors which affect the costs you might have to pay. This includes driving record, mileage, location, age, gender, credit score, and more. If you have made up your mind to get the car insurance with no deposit to pay upfront, then it is understandable how confused you would be. However, here are a few tips mentioned below that you can check out. - Set up a budget Before you make any move to get car insurance, the first thing you need to do is set up a budget. Find out how much you can afford to pay every month and try to calculate the coverage that you can afford. - Get quotes In the next step, you can start getting quotes from the insurance service providers. It is also recommended to search for no deposit car insurance online. After that fill out the forms with necessary details including information about you, your car, driving history to get accurate quotes online. Make sure to compare those quotes, total costs, and others to ensure that you are getting the best deal for yourself - Set up payment There are companies that will allow you to pay the car insurance bill with electronic funds transfers, credit cards, and others. While there are other companies that may charge you additionally for making payments through different methods. So make sure before choosing a payment method that is not heavy on your wallet. Yes, it is totally possible to get the deposit back if you are looking forward to canceling or switching the car insurance part way. All you have to do is talk to your insurance provider and get it back with a prorated fund. There are hundreds of insurance service providers in the market. As a client, it becomes hard to believe which no deposit car insurance onlineyou should choose. Hence to make your task easier, here comes one of the best insurance agencies which you can count on called Alias Insurance. This service provider is known for offering proper solutions to clients at affordable rates. Also, they make sure you can hold up tight to your bank account by offering multiple offers and discounts.

https://ereleasewire.com/how-to-obtain-car-insurance-with-no-deposit/

Private Mortgage Insurance (PMI) Definition and Legal Meaning On this page, you'll find the legal definition and meaning of Private Mortgage Insurance (PMI), written in plain English, along with examples of how it is used. What is Private Mortgage Insurance (PMI)? It refers to that insurance company with whom the mortgage lender is attached. If the borrower defaults the repayments, the PMI safeguards and protects the mortagage lenders by the way of compansation. History and Meaning of Private Mortgage Insurance (PMI) Private Mortgage Insurance (PMI) is a type of insurance that lenders require from borrowers who put down less than 20% of a home's value as a down payment. The purpose of PMI is to protect the lender against loss if the borrower defaults on the mortgage loan. In other words, PMI is a way for lenders to manage their risk. PMI has been around for decades, and was created as a way to increase home ownership rates by making it easier for borrowers to obtain mortgages. Before PMI, lenders required much larger down payments (often 30% or more), which made it difficult for many people to buy homes. Today, PMI is a common requirement for many mortgage loans. Examples of Private Mortgage Insurance (PMI) The borrower was required to pay an additional $100 per month for PMI since they put down only 10% for the down payment. The lender calculated the cost of PMI to be $1,500 per year and this was added to the borrower's monthly mortgage payment. The borrower was able to avoid paying for PMI by putting down 20% for the down payment on their home. Legal Terms Similar to Private Mortgage Insurance (PMI) Mortgage Insurance Premium (MIP): This is a type of insurance that is required for certain types of government-backed mortgages, such as FHA loans. Hazard Insurance: This is a type of insurance that protects the borrower and lender from loss due to damage or destruction of the property, such as from a fire or natural disaster. Title Insurance: This is a type of insurance that protects the borrower and lender from loss due to problems with the property's title, such as liens or ownership disputes.

https://legal-explanations.com/definition/private-mortgage-insurance/

Condo Insurance in and around West Columbia - West Columbia Condo Sweet Condo Starts With State Farm Investing in condo ownership is an exciting decision. You need to consider needed repairs, home layout and more. But once you find the perfect condo to call home, you also need terrific insurance. Finding the right coverage can help your West Columbia unit be a sweet place to call home! Put Those Worries To Rest Your townhome is more than just a structure. It's a refuge for you and your loved ones, full of your personal items with both sentimental and monetary value. It’s all the memories you hold dear. Doing what you can to keep it safe just makes sense! A next great step is getting Condo Unitowners Insurance from State Farm. Condominium unitowners insurance covers numerous home-related troubles. For example, what if someone vandalizes your property or lightning strikes your unit? Despite the annoyance or frustration from the experience, you'll at least have some comfort knowing your State Farm Condo Unitowners policy can help life go right again. You can work with Agent Liz Portee who can help you file a claim to assist replacing your lost items or fixing your condo. In the event that your home is irreparable, your insurance policy may even pay to reconstruct it. Planning ahead doesn’t stop troubles from landing on your doorstep. Coverage from State Farm can get your condo back to its sweet spot. West Columbia condo owners, are you ready to experience what a State Farm policy can do for you? Reach out to State Farm Agent Liz Portee today. Liz PorteeState Farm® Insurance Agent West Columbia, SC 29169

https://lizportee.com/insurance/condo

Managing Risk in the Information Age online short course, Harvard Cybersecurity Certificate review, Edx, Harvard online courses, Harvard university offers 67 online courses, Mit cybersecurity certificate, Harvard premier certificate, What is harvard vpal, Harvard cybersecurity master’s UNIVERSITY: Harvard’s VPAL News of large-scale cybersecurity threats and cyberattacks frequently dominate the headlines: hackers exploiting vulnerabilities of retail giants, foreign influence in elections, and new forms of ransomware underscore the importance of preparing for these threats. Cyber risk management has become a fundamental component of business operations, and understanding and mitigating risk has become an essential skill for business leaders, analysts, as well as security and technology specialists. Managing Risk in the Information Age online short course The Cybersecurity: Managing Risk in the Information Age online short course, from Harvard’s Office of the Vice Provost for Advances in Learning (VPAL), in association with HarvardX, equips you with a comprehensive understanding of how to identify and manage operational risk, litigation risk and reputational risk. The course will help you assess and mitigate specific vulnerabilities within an organization’s networks, systems, and data. Develop the knowledge and skills to protect the integrity, security, and confidentiality of digital assets. What will set you apart On completion of this course, you’ll walk away with: The ability to recommend a cybersecurity leadership plan The skills needed to develop a cyber risk mitigation strategy A practical, holistic understanding of cybersecurity and its value Is this course for you? This course offers an in-depth exploration of cybersecurity that is valuable for executives and specialist roles. Business leaders will gain the knowledge needed to lead their organization through the complexities of the cybersecurity landscape, and develop the know-how to set appropriate budget guides for this task. Information security professionals, risk analysts, and technology specialists will have the opportunity to build confidence and understanding in a key area of importance for their roles. Any professional will benefit from the ability to gain an up-to-date overview and understanding of cybersecurity and risk. Learn from cybersecurity experts and guest speakers as you work through the weekly modules of this online course. Orientation Module Welcome to your Online Campus 1 Cybersecurity risk is business risk 2 Identifying the threats to an organization 3 Identifying important business systems and assets 4 The crucial role of leadership in managing cyber risk 5 Understanding your technology 6 Cyber risk and the law 7 Incident response and accountability 8 Designing and implementing a mitigation strategy You can either pay your tuition fees in full before the course starts, or you may opt for a two-part payment plan for courses nine weeks and shorter. For courses ten weeks or longer, there is a three-part payment plan available. To find out more on payment options please visit our Payment and Financing page. If you want to find out more about any of these options or you want to know which you qualify for please get in contact with an Enrolment Advisor here. The course work is broken up into weekly, manageable bite-sized modules, with incremental deadlines, designed to help you pace yourself over the duration of the course and allow you the legroom to work when it suits you best. At the beginning of each week you’ll be presented with all the lectures, notes and assignments necessary for completion. You also have access to your Success Advisor who will help you set goals and track key milestones, manage your time, and field any administrative requests you might have. 37% of our past students receive financial assistance from their employers. You can ask for help, The Online Campus will be your virtual classroom for the duration of your course. Through its easy-to-use interface you’ll have access to a diverse variety of course content formats, including: interactive video lectures, module notes, practice quizzes, On the Online Campus, you’ll also be able to ask questions and interact with your fellow students and Head Tutor through the Online Campus discussion forums. If you’re experiencing tech issues or need advice from your personal Success Advisor, you can use the Online Campus to get in touch. Earn your premier certificate Earn a premier certificate from Harvard’s Office of the Vice Provost for Advances in Learning (VPAL), in association with HarvardX. Your certificate will be issued in your legal name and couriered to you upon successful completion of the course, as per the stipulated requirements.

https://olduvaicareers.com/managing-risk-in-the-information-age-online-short-course/

Are you happy with your home insurance policy and what it covers? Do you even think about it? While you hopefully don’t – because that means you haven’t had any issues – it is extremely beneficial to review what your policy does and doesn’t cover to make sure you are prepared in case of an emergency. Because unfortunately we live in a world where things like tornadoes (trees falling onto your roof), extreme rain storms (flooded basements ruining everything you had stored down there), and terrible people (robberies) exist, and without any way of controlling these things, covering yourself with a good insurance policy will make all the difference and provide peace of mind for you as a home-owner. According to this Fox Business article, experts recommend evaluating these three areas: Rebuilding Your Home This is the big one that everyone hopes they will never have to encounter – if your house is completely destroyed and needs to be replaced. The article says that the total cost that your policy is covering should include materials and labor, which sometimes can cost more than the value of the home. Make sure your policy isn’t capped at the originally stated value of the home – otherwise you will have to pay the difference in cost. Replacing Your Belongings It definitely sounds tedious, but it’s a good practice to inventory your belongings and make sure you have everything in there. That way you won’t realize later on that you forgot to claim your grandmother’s diamonds when you spoke to the insurance company years ago. Take pictures and videos to make it easier. Experts also advise to make sure you have replacement cost coverage instead of actual cash value to get the most value for your possessions. They also suggest adding a valuable personal property policy as they have broader coverage. If you have something that may cause more harm to people in your home (i.e. a trampoline or pool), experts recommend buying an umbrella policy that can cost a minimal amount each month but adds more protection. While it’s not fun thinking about the worst of what can happen, it’s practical and definitely worthwhile. It may help to sit down with an insurance agent to be clear on everything and make sure you are getting the best coverage for you and your needs.

https://rmcherrycreek.com/get-the-most-out-of-your-home-insurance

What You Absolutely Need to Understand About Your Auto Insurance: Uninsured UM) and Underinsured Motorist (UIM) Coverage Hello, I’m Attorney Jeff Robinette. I would like to discuss with you what insurance applies to automobile collision claims. First of all, in West Virginia, like most states, there are minimum statutory limits for liability coverage that are required by every motorist. This means that every driver and every vehicle on the road is supposed to have a minimum of $25,000 in liability insurance coverage. About How Many Drivers are Uninsured in West Virginia? Unfortunately, about one in six of drivers in West Virginia statistically had been found to be without any insurance whatsoever. This means if you are unfortunately involved in a collision, you have a one in six chance that you’re going to have to deal with being injured or being damaged by someone who doesn’t have insurance coverage. This is why state law also requires that vehicles and operators have uninsured motorist coverage for their vehicle and for their personal injury protection, and this means that if you are involved in a collision with a motorist who does not have insurance coverage at all, then it would be your own insurance coverage, what is called uninsured motorist coverage, or U-M in capital letters under insurance policy. That type of insurance would apply to your claim. Thirdly, there are instances where a motorist doesn’t have sufficient enough insurance coverage to cover the damages and injuries caused by the collision. And so insurance coverage for underinsured motorist coverage would apply to this claim. What is UM and UIM Coverage on My Auto Insurance? If you look on your declarations page of your insurance policy, you will see three letters, U-I-M, in capital letters. That stands for Underinsured Motorist Coverage. This coverage protects you from motorists who have insufficient funds or insurance coverage to pay for your claim. And finally, there is medical payments coverage on your person and occupants of your vehicle. And this insurance is used to apply to medical payments for bills that are associated with injuries stemming from your collision. How Does UM and UIM Auto Insurance Apply if I Am Involved in a Collision? Now let’s do a little mockup of a motor vehicle collision, and let’s see if you can follow the coverage that follows the collision. Let’s say that you are stopped at an intersection and an individual coming at a high rate of speed is not paying attention and rear-ends your vehicle. You sustain severe injuries to your neck, and are taken by ambulance to the hospital where you’re told that you have a herniated disk in your neck, and you will require a surgery. And after hospitalization, you come to find out that the individual that hit you only has $25,000 in liability coverage. Yet, your medical bills exceed$60,000 alone, not to mention your lost wages and your pain and suffering. So what insurance would apply to ensure that you would get a fair settlement for your claim? You’d have to seek your own insurance coverage for underinsured motorist coverage, in addition to the liability coverage that the at-fault driver had own his vehicle. And the medical payments coverage can be used to offset to those medical bills. But please keep in mind that the pain and suffering for these types of injuries far exceed the medical payments coverage and the liability coverages that apply. This is why you should carry substantial amounts of underinsured motorist coverage, as well as medical payments coverage on your vehicle. Do not rely upon the other guy to carry proper insurance coverage for his negligent acts. But as always, you should seek competent legal counsel to discuss your claim. Do not try to add these numbers up on your own, because these numbers are sophisticated when it comes to applying them to each particular case. And remember, that the call to the attorney is free. So please give us a call if you have a question. Thank you. Questions? Call 304.594.1800 Today for Free Answers for your auto accident and insurance questions. Jeffery Robinette was admitted to practice law in 1991 and is licensed in all levels of state and federal trial courts in West Virginia. Mr. Robinette is also licensed in all state and federal appeals courts in West Virginia and the United States Supreme Court. As a National Board Certified Trial Attorney who has handled hundreds of motor vehicle, injury, and construction defect claims and a leading author on insurance claims settlement issues and difficulties in West Virginia, Jeff Robinette is uniquely qualified to represent your best interest.

https://robinettelaw.com/blog/how-to-protect-yourself-and-your-family-from-irresponsible-uninsured-drivers/

[vc_row][vc_column][vc_column_text]The ideal candidate would be a team player capable of adaptation to an integrated team environment. A driven self-starter, confident, agile, articulate and capable of leading change by example. Collaborative and flexible to meet all the demands of the client. The Risk Lead is responsible for leading the development and implementation of consistent and effective risk management tools, techniques, processes and standards, in line with the Client’s policies and procedures and industry best practice. Apply advanced knowledge in the technical/professional discipline of risk management for the analysis and resolution of issues, including benchmarking against best practice and implementing innovative solutions. Work with the delivery team to understand the risk profile of the programme, to develop robust risk management, mitigation and contingency strategies, and to escalate significant risks using agreed governance mechanisms. Develop a set of KPIs and risk reporting platform in relation to risk performance across the Programme and implement these effectively. Responsible for supporting the programme team in carrying out Quantified Risk Assessments (QRA) and assessing risk apportionment Lead risk workshops, risk assessment processes and risk register reviews in conjunction with key stakeholders. Contribute to driving and leading a positive safety culture within the Programme and ensuring the team is invested in managing and improving ES&H performance through the management of risk. Promote and participate in knowledge share across the organization to raise awareness of the importance of risk management and generate a culture of continuous learning.[/vc_column_text][/vc_column][/vc_row] [vc_row][vc_column][vc_column_text]Basic & Preferred Experience: - 10 years + experience in risk management across Infrastructure programmes of significant size and complexity, preferably within aviation. - In-depth knowledge of designing and implementing risk management strategies and process improvement practices across multi-disciplinary teams - Experience of risk reporting and implementation of mitigation actions - Have an in-depth understanding of the design and delivery requirements of technically complex projects in the architectural / engineering / construction sectors - Experience of dealing with a range of stakeholders at all levels across the organisation - Good knowledge of EU and Irish legislation, law and best practice, in relation to risk management - Strong communication and interpersonal skills Methodical, analytical and focused approach to work procedures - Ability to apply complex risk measurement and management techniques such as use of Monte-Carlo analysis/risk profiling - Must have excellent administrative, coordination, scheduling, record keeping and database skills - Proactive approach to problem-solving and strong attention to detail - Bachelor’s Degree in Engineering, Construction Management or related field with 9 years of project controls or cost related work experience. - In lieu of Bachelor’s degree 15 years of project controls or cost control experience. Contact details for applicants: T:+44 207 651 7610[/vc_column_text][/vc_column][/vc_row]

https://scsi.ie/job/risk-lead/

Many times, insurance agencies are seen as a good way to have some piece of mind. There are many different types of insurance and disagreements about the aspects of each type can occur. These insurance companies have defense mechanisms built into their policies that will impair or do away with coverage, which leaves those who had the insurance unprotected. Because of this, it is important that anybody who has any type of insurance understands the law when it comes to a disagreement with the company. How can an insurance appeals attorney help me in New York? An insurance appeals attorney can help out in a big way when it comes to any matter of the law for insurance companies and the policies that they have to offer. They will fight for the preservation of coverage for the policy holder as well as getting the maximum bang for their buck when it comes to that policy. Getting the best coverage is what any person wants when they buy insurance, but if a problem arises getting the right representation is also very important. Getting the right insurance appeal attorney in Long Island is the first step when looking to make a claim. Often times injuries are involved and the right representation can make sure, first and foremost, that the insurance claim appeals are treated in the proper manner. From any dispute, when it comes to insurance coverage, the right attorney with experience in this field is key to helping their clients with the issue, especially if an injury is involved, which can bring up other issues such as lost wages or lost work time. Attorneys can help with these problems as well as the case itself whether it goes to trial, is at a judgement period or can be taken care of by both parties in the pre-lawsuit stage. Getting the best representation will only ensure you get the compensation you deserve and the most coverage possible. There are many different kinds of insurance and many kinds of cases including: life insurance, first party insurance claims, auto insurance, no-fault insurance, and actions against agents or brokers, just to name a few. The Right Insurance Appeals Attorney in Long Island Can Help Ease Your Stress There are many insurance appeals attorneys in the state of New York and picking the right one can be hard. You need to find one that has experience and is reputable in dealing with insurance law in New York. The right appeals attorney, who has experience in insurance claims appeals, is the first step when it comes to differences between a company and a person they insure. They understand the statute of limitations associated with your case too, which is important so that you don’t miss the deadline to file your lawsuit. If you would like any more information on insurance appeal attorneys, feel free to call us at (866) 351-8524. We have both experience and dedication and a great team that is here to represent you in any issue you may have. We also work on a contingency basis, so we don’t get paid until you do. We serve Long Island, NY and the communities of Mineola, Garden City, Hempstead, Queens and surrounding Nassau and Suffolk Counties.

https://shaynedachs.com/appeals/

The Navi car insurance provider offers a service that allows customers to renew their car insurance online. It’s very easy and straightforward. It is quick and easy to renew your policy, which will allow you to spend more time on other things. This policy protects you against any unforeseen damages. You are also covered for medical expenses in the event of an accident. Third-party expense coverage is also included. Why is it important to renew your Navi Car Insurance Policy online? It is vital to renew your Navi car insurance. You would not be protected against financial losses if this was not done. This must be done by the due date. The minimum length of a new car’s first insurance policy is three years. Older cars can have a policy for as long as one year. These are the benefits that you can enjoy when renewing your Navi Car Insurance plan: - 24/7 emergency support - Reduce third-party liabilities and the legal burden - Make sure your car is protected against any damage or loss. - Every claim-free year, enjoy a No Claim Bonus - Add-on coverage options can be added to your plan to extend its coverage - You can avail cashless repair service from the network of garages for your insurer. Benefits of renewing your car insurance policy in-time: - These are the benefits of renewing your auto insurance coverage. - Permanent coverage for expenses incurred due to an accident - A roadside assistance add on is available in the event of a vehicle breaking down. - All claims can be settled in cashless garages without the need for currency. - Our customer service team is available 24 hours a days, 7 days a semaine. - It is easy and fast to initiate a claim. - You can save money on your premiums by installing ARAI-approved anti theft devices - It is possible to easily endorse auto insurance coverage. - Roadside assistance is available seven days a semaine, 24 hours a year. There are many add-ons available. How do I renew my expired/lapsed car insurance policy online? It is vital to have an active car insurance policy. In India, holding a valid or expired car insurance policy can be considered illegal. It is imperative to keep your car insurance policy current and active. - If you fail to pay the premium within the time limit, it will be deemed void. The good news is that you can renew your expired car insurance policy. - The first step is to inform your insurance provider that your car policy has expired. - The company will send an authorized surveyor to inspect your vehicle after receiving the request for renewal. - Only after the surveyor has verified that the vehicle is in good condition, can you renew your car insurance policy. - You will need to renew your membership by paying the premium and submitting a copy the following documents. - Form for a Proposal to be submitted - KYC documents for the owner or the proposer - Copy of RC Book - Copy of the lapsed car insurance policy. These are some ways you can lower the cost of your Navi Car Insurance renewal: There are many factors that can influence the best place to buy car insurance. It is possible for companies to offer different rates so it is a good idea compare rates. These are some key factors that can impact your insurance premium. - Renew your policy before it expires (in time) - Choose Voluntary Deductibles - Understanding your needs - You can use the No Claim Bonus (NCB). - Online renewals are the cheapest. There are many factors that can influence the cost and timing of renewals. These factors include: - The age of your vehicle - What type of coverage you have - Your driving record - The cost of your car - Credit score.

https://www.askinginsurance.com/navi-car-insurance-renewal-online/

Firefighters at Phu Kradueng National Park in northeastern Thailand have been working around the clock to build firebreaks to prevent the recurrence of bushfires. Officials managed to contain the forest fire in Loei Province. On Tuesday Park officials told the press that although they had contained bushfires that started on (Feb 16) they still need to build additional firebreaks. Above all to prevent a recurrence of fire, which is more likely during the dry season. Bushfires damaged over 3,400 rai (544ha) of national park forests. More than 100 firefighters, park officials and volunteers worked to create firebreaks and the fire was brought under control. However they are still working to put hot-spots, park officials said. Despite speculation the forest fire might have been sparked by human activity, such as a reckless tourist’s cigarette, the authorities have yet to conclude what caused the fire “Currently, firefighters have only one tractor truck to build the firebreaks, ” one of the staff said. “It has been working around the clock for two straight days and the engine is not in very good condition.” Park officials said that they also have an additional truck at the Wildfire Extinguishment Unit. However transporting the vehicle to the site of the fire would require a helicopter, which they do not have. “In a worst-case scenario, we may have to disassemble the truck and carry the parts by foot. Which could take at least two days” officials said. The Environmental Office reported that the Feb 16 bushfire in Phu Kradueng had damaged at least 3,400 rai of the national park’s pine forest and grasslands. Including a 100-year-old iconic pine tree.

https://www.chiangraitimes.com/northen-thailand/firefighters-create-firebreaks-to-stop-forest-fire-in-northeastern-thailand/?amp=1

Insurance and Billing At the time of your visit, patients need to provide our office with the correct insurance information, including your insurance card to be copied. We ask that all co-insurance, co-pays and deductibles be paid at the time the service is performed. We will perform courtesy billing for you, provided you have given us all pertinent billing information. Your insurance coverage is an agreement between you and your insurance company. Financial responsibility rests with the patient for deductibles, co-insurance and non-covered services. We accept Visa, Mastercard and Discover. We also offer the option to pay bills online. With our online bill pay option, you can securely make a payment for your service online with no hassles.Pay Bill Online Patients will receive a bill from the center and a separate bill for the physician’s professional fee. If a biopsy specimen is taken, you may also receive a separate bill from the lab. Your payment for this lab service should be sent directly to the lab. Please don’t hesitate us to call us with any insurance or billing questions: (480) 210-6853. Our staff is eager to address any questions or concerns you may have. The Cost of Your Procedure Because you are responsible for costs for covered healthcare services until you reach your deductible, you should comparison shop if you elect to have a nonemergency procedure. You can use tools like Healthcare Bluebook and the Medicare Procedure Price Lookup (for Medicare patients). Many health insurance websites also provide information on where to find in-network services. A High-Deductible Health Plan (HDHP) is a plan with a higher deductible than a traditional health insurance plan. A High Deductible Health Plan (HDHP) can be a wise way to save money on health insurance and take a proactive role in your healthcare. Health insurance is an agreement between you and an insurance company of your choosing.

https://www.eastvalleyendo.com/for-patients/insurance-and-billing

Due to the exposed nature of riding a motorcycle versus driving a car, motorcycle accidents are uniquely dangerous and thus often cause very serious injuries. Getting a grasp on the laws governing motorcycle accidents in Michigan can help provide a baseline of knowledge, but an experienced attorney can assist you in fully understanding the laws relevant to your case. In this blog post, we’ll explain some of the basics on Michigan laws governing motorcycle accidents, but if you or a loved one has been injured in a motorcycle accident, contact Fieger Law and our team of Michigan motorcycle accident lawyers today. Motorcycle Accidents in Michigan According to the State of Michigan, there were more than 3,000 motorcycle crashes on Michigan roads in 2021 alone, and of those crashes, more than 150 were fatal. Male motorcyclists account for most motorcycle crashes, at more than 90 percent, and most motorcycle crashes occurred during the warmer months of the year, with July being the most common month for crashes. Negligence Causes Motorcycle Accidents When any accident, including a motorcycle crash, is caused by another person’s negligence, accident victims have a legal right to pursue compensation against the person who caused the accident to occur. At Fieger Law, we know all too well that motorcyclists frequently face stigma associated with dangerous driving. Even though the thrill of riding is a favorite experience for many motorcyclists, we know that most motorcyclists are safer drivers than “ordinary” car drivers. In fact, many motorcycle accidents are caused by other drivers’ negligent behavior, including the failure to look out for motorcycles on the road, thus giving rise to legal liability. Common examples of negligent driving that cause motorcycle accidents include: - Failure to check for motorcyclists in blind spots - Opening car doors without checking for clearance - Drug and alcohol usage - Failure to yield when turning left or changing lanes - Sudden stops due to inattention - Distracted and tired driving - Speeding and other failure to follow traffic laws When an accident occurs, it is imperative that you contact Fieger Law and our team of experienced motorcycle accident attorneys in Michigan as soon as possible to inquire about a possible negligence claim. Insurance Companies Will Unfairly Blame Motorcyclists Due partially to the stigma associated with motorcycle riding, insurance companies will often attempt to place blame for an accident occurring onto the motorcyclist instead of onto their covered party who caused the accident. At Fieger Law, we know how to stand up to insurance companies to defend our clients’ rights and ensure fair and full compensation. There are two things to be aware of with respect to these arguments: first, Michigan is a no-fault state; and second, comparative negligence rules allow for partial recovery even when a plaintiff is partially negligent. Michigan’s No-Fault Rules Michigan is a “no-fault” insurance state, which means that every person’s insurance coverage applies to cover their own injuries, up to a certain coverage limit. If a covered person is injured seriously, which is often the case in motorcycle accidents, the injured person can seek compensation from the other party’s insurance company to cover the amounts over their own coverage by filing a lawsuit. But additionally, sometimes an injured person’s own insurance company can be reluctant to pay out claims for damages. In these unfortunate circumstances, a personal injury lawyer can assist accident victims in ensuring that their own insurance company lives up to the terms of their contract. For that reason, even if you believe your own insurance will cover your injuries, you still shouldn’t hesitate to contact Fieger Law immediately after being involved in a motorcycle accident. If necessary, we’ll sue your own insurance company as well as the other driver’s insurance company to protect your rights. Comparative Negligence in Michigan You may believe that you’re not eligible for filing a lawsuit due to your own behavior, and these situations are common, as accidents are rarely caused by one factor. But even if a motorcyclist was speeding, failing to wear a helmet, or otherwise acting in a slightly negligent manner, Michigan law allows for recovery of damages so long as the other driver was more negligent than the injured motorcyclist. These laws are called comparative negligence rules, and after consulting with our team of motorcycle accident lawyers, Michigan motorcyclists can be sure that they’ve explored all their options. Our consultations are zero-risk and offered totally free to prospective clients. Fieger Law Will Fight for Your Rights If you or a loved one has been injured in a motorcycle accident, contact our team at Fieger Law as soon as possible. Our experience in obtaining verdicts and settlements on behalf of our clients demonstrates that we’re not afraid to take on insurance companies, and especially when they try to get out of paying out claims that they’re obligated to pay. Even if you believe your insurance company will cover your claims, contact us anyway to ensure that your rights are protected. We’re ready to assist you and your family – get in touch with us today to schedule a free consultation on your prospective case.

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