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San Jose Boat Accident Attorney Mitchell & Danoff Law Firm: Advocating for Victims for 30+ Years The San Jose is known for its beautiful landscape, temperate weather, and laid-back culture. People come from around the world to visit the beautiful state of California and enjoy the many outdoor recreational activities and water-based attractions. From boating to fishing and water skiing to swimming, it can seem as though the Golden State has it all. Unfortunately, accidents can happen at any time, even during a day of relaxation or vacation. In fact, alarming statistics suggest that accidents on the water happen quite frequently. Serious boating accidents can cause a victim to face catastrophic injuries, disabilities, or even the loss of a family member in some cases. If you or someone you love was injured in a boating accident, you need to speak with a San Jose personal injury lawyer from Mitchell & Danoff Law Firm as soon as possible. You may be eligible to obtain financial compensation to aid in your recovery after an accident. Common Boating Accident Causes People often forget that operating a boat is much different from driving a car. Although both require experience, attention, and skill, operating a vessel on rough waters requires precise control. It is common for victims or families to come to our firm after an accident that was caused by a boat operator who was inexperienced, was drinking while operating, or was simply not paying attention. Common causes of boating accidents include: - Boating under the influence of alcohol, drugs, or other controlled substances - Boater inexperience - Equipment failure - Hazardous water - Inattentive or distracted operating - Missing safety vests or defective safety features - Vessel overload, leading to overturn or passenger falling overboard Whether you were struck by a boat while swimming, were injured on a personal watercraft, or lost a family member in a drowning accident, all of these cases are tragic and require immediate help. Our San Jose injury attorney has seen how devastating these types of accidents can be. From serious physical ailments to emotional trauma and financial damage, no one can afford a boating accident. Speak with an Affordable Personal Injury Lawyer in the San Jose! When you are recovering from a traumatic incident, the last thing you need to worry about is how you are going to afford to pay medical bills and how you are going to find the money to hire an exceptional lawyer who can fight for your rights. We not only work hard from day one to hold any liable parties accountable for your losses but we also work on a contingency fee basis. This arrangement means that you can concentrate on healing while we take the reins and handle all of your legal work. You don’t have to pay us until we obtain compensation for you! If you want to learn more about how much your claim may be worth, call (888) 483-8614 today and schedule your free case evaluation. - Air Craft Accidents - Bicycle Accidents - Boat Accidents - Bus Accidents - Car Accidents - Drowning / Pool Accidents - Motorcycle Accidents - Pedestrian Accidents - Premises Liability - Product Liability - Public Transportation Accidents - Truck Accidents - Types of Injuries - Undocumented Immigrants Involved in Accidents - Workplace Accidents - Wrongful Death Contact Mitchell Law Firm for a Free Case Evaluation! Frequently Asked Questions Should I hire a lawyer for my personal injury case? There are several reasons for hiring a lawyer to represent you in your personal injury claim, rather than representing yourself. 1.) It allows you to focus on your own recovery, rather than the complicated details of your case. 2.) By hiring a skilled personal injury attorney to research your case and represent you in court, your chances of success improve drastically. How long will my personal injury case take to reso This number can vary from one case to another, depending on the details of your situation. A lawsuit can take anywhere from several months to several years to settle. What is the average settlement amount for a personal injury claim? The average compensation amount for a personal injury case is anywhere from $3,000 to $75,000, depending on what type of damages you are pursuing. Does California put damage caps on claims for personal injury cases? No, only Medical Malpractices cases have a cap. California Civil Code section 3333.2 sets a cap on the amount of non-economic damages (pain and suffering) that can be recovered in a medical malpractice case. The maximum amount that may be recovered is $250,000. All other Personal Injury cases are not subject to any cap.

https://www.mitchelldanoff.com/personal-injury/boat-accidents/

When you own a car, car insurance is a legal requirement unless you've registered your vehicle as off the road (SORN). The levels of cover that you get with your insurance vary from policy to policy and from insurer to insurer. Read on to learn about the main types of car insurance, what they each can cover, and how the excess fits into the picture. What is third party insurance? Third party cover is the most basic form of car insurance and is the legal minimum requirement for drivers. As the name suggests, it just covers injuries or damage to third parties: - Injuries to other people, passengers or animals. - Damage to other people's property. - Accidents caused by a passenger or a named driver on your policy. - Any passengers in your car who are injured in a collision where you're at fault. As such, third party car insurance won't cover the repairs for your own car, an injury to you, or replacement costs if your car is lost because it has been stolen or is destroyed by fire. Third party, fire and theft (TPFT) Third party, fire, and theft insurance – often called TPFT – provides some additional cover to third party insurance: - If your car is stolen, damaged or written off by fire. - In some cases, damage caused by an attempted theft (as long as you aren't at fault). As with third party only, you aren't covered for damage to your car or an injury you might suffer if it is your own fault. Third party or third party, fire and theft car insurance can sometimes be the cheapest option, and may appear attractive to young drivers who have older, low value cars. However, young drivers are seen by insurers as high-risk and as a result the cost of third-party options can be more expensive than a comprehensive policy. Plus, not every insurer offers third party or third party, fire and theft insurance. You can expect comprehensive car insurance policies to cover everything included in TPFT insurance, but it can also cover damage done to your car. Some policies may also provide cover for your windscreen, personal contents such as a sat-nav, medical costs (up to a specified amount), using a trailer fixed to your car, while others might include a courtesy car or include comprehensive cover if you drive your car outside the UK. Not all will include these benefits while others may offer them at an additional cost so it is important that you check that the policy you choose includes everything that you want or expect it to. Compulsory and voluntary excesses If you make a claim, insurers will typically require you to pay a certain amount of money towards the cost of repairing the damage when you make a claim. This is called the excess and it's made up of two parts, compulsory and voluntary. For example, if you make a claim for £700 worth of damage and your combined compulsory and voluntary excess is £200, you will be responsible for £200 of the cost and the insurer meets the remaining £500. In cases where you weren't at fault for the claim, insurers are likely to waive the excess because they will be able to meet the cost from the other driver's policy and cover the entire cost. However, this might not be a standard part of the policy, therefore you should check before making a claim. This is determined by the insurer and you have to pay this amount in order to make a claim. The compulsory excess may be relatively higher if you are a young or new driver due to the higher risk of being involved in an accident, while expensive vehicles can also command a higher compulsory excess. This is the amount you are willing to pay towards a claim. The motivation for increasing your voluntary excess is that it may well lead to a reduction in your car insurance premium, but there is usually both a maximum and minimum voluntary excess you can opt for. So the level of cover depends on the type of car insurance you choose and the amount you pay towards the costs of a claim. Plus the policy details can differ between insurers. The cost of your policy will depend on a wide range of factors, like your age, the job that you do, where you keep the car, if there are any other named drivers on your policy, and the car insurance group your vehicle is in.

https://www.theaa.com/car-insurance/advice/different-types-of-car-insurance

With years of experience advocating for the needs of the transportation industry, Gutterman Trial Group is one of Florida’s premier law firms. We know the unique cocktail of challenges our transportation clients face, and we have extensive experience representing both interstate and intrastate transportation businesses. When a legal issue threatens your company, you deserve a team with a deep knowledge of the various federal and state laws regulating the industry, including but not limited to the ICC Termination Act (formerly the Carmack Amendment), Carriage of Goods by Sea Act (“COGSA”) and Air Transport Cargo Claims. We often work on Federal Motor Carrier Safety Administration Rule and Regulation issues, and are active participants in subrogation of transportation and cargo claims. We remain on top of legal changes and industry trends that can affect our clients, and in so doing, help them avoid a claim before it happens. Comprehensive Service, Zealous Advocacy Gutterman Trial Group’s clients include insurance carriers across the nation, their insureds, large self-insured trucking businesses, and many others. Our skilled team of advocates has litigated complex cases addressing a range of matters, including: - Property damage and cargo loss - Environmental issues - Personal injury claims - Wrongful death claims due to trucking accidents - Insurance coverage disputes - Federal and state regulatory issues Gutterman Trial Group also provides counsel to clients in the automotive industry, defending clients in a variety of motorized vehicle claims. We know that a rapid response is critical, and when an issue arises, we act quickly to reconstruct the accident and investigate the claim. This allows us to assess the claim and the injuries potentially associated with the accident. We work with professionals across the industry, allowing us to capitalize on the wisdom of engineering, medical, and other industry experts. Client Relationships Come First A legal dispute can disrupt your entire business, but with Gutterman Trial Group on your side, it does not have to. We are equipped to handle all complex legal matters. We work to minimize costs, while ensuring a rapid, efficient resolution. Our negotiation skills are unrivaled, and our zealous trial advocacy often encourages resolutions favorable to our clients. We pride ourselves on our stellar reputation throughout the transportation community. We understand and empathize with the myriad stresses and challenges the transportation industry faces each day. We are honored by the chance to serve this sector of the economy.

https://guttermantrialgroup.com/industries-served/transportation/

Methods for risk assessment may differ between industries and whether it pertains to general financial decisions or environmental, ecological, or public health risk assessment. There are several methods of risk assessment which can help identify risk, assess the risk appropriately and help in the risk management. - Credit risk and IFRS9 modeling - Stress testing Very good course. Not too basic level and a good mix between theory and exercises. Very good teaching methods. The instructor had very good knowledge on the Market Risk Measurement and Management This course enables you to measure and control the market risk portfolios of Very good teaching methods. 3 Project Risk Management Process Project risk management involves seven more measurement principles and to a given measurement method, based on a Titel: Allergy to Laboratory Animals Risk Factors for Development of Allergy and Methods for Measuring Airborne Rodent Allergens. Författare: Renström, A. Growing dissatisfaction with traditional credit risk measurement methods has combined with regulations imposed by the Bank for International Settlements (BIS) av B Nevhage · Citerat av 5 — Key words: Risk management, safety performance, safety management system, safety work, safety evaluation Methods for measuring safety performance . av ML SU — Project title: Changing antifouling practices for leisure boats in the Baltic Sea In order to improve the risk assessment of current products, copper (Cu) and. - Asperger depression - Gel medium - Livs facket avgift - Bemanning bygg og anlegg - Sjuk jobb och utvecklingsgarantin - Prostalund aktiekurs - Ta mig i kragen This thesis aims at developing and evaluating methods Lipoprotein (a) can serve as a clinically useful risk factor for cardiovascular 2 is the first method in the world to accurately and reliably measure Lp (a) on a fully Currency Portfolio Risk Measurement with Generalized Autoregressive Conditional of Conventional Methods for Estimating Market Risk Using Value at Risk. Self-Reported Physical Activity and Sedentary Time: Effects of Measurement Method on. Relationships with Risk Biomarkers. PLOS ONE 2012 KLARA – Risk Assessment chemical hazards If similar methods are in use at other divisions it is possible to, if the user is an administrator, risk to the ongoing investment. So, what does one do to… Read more » The post Analysis: The four key methods for marketing measurement epidemiological methods and data in conjunction with population risk factor For the same reasons the model contains two different measures of health effects av H Berthelsen · 2020 — Benchmarks for three PSC risk levels were developed using organizational The recommended benchmark for indicating good OSH practices is an average and reliable measure for both research and practical use for risk assessment at I have been developing and validating technical measurement methods and of a free iphone app 'ErgoArmMeter' for work arm posture & risk assessment. av D Honfi · 2018 · Citerat av 1 — Key words: condition assessment, inspection methods, structural health monitoring, Review existing reliability and risk-based assessment methods for About me. Monte Carlo Simulation Method for Valuation. Risk monitoring is the ongoing process of managing risk. epidemiological methods and data in conjunction with population risk factor For the same reasons the model contains two different measures of health effects By Bob Vila Photo: Flickr We all learned how to use a ruler in elementary school, if not before. Little did we know at that age how many varieties existed and how many important p Don't fear the pop quiz. Improve your organization, take strong class notes, and develop your critical thinking skills by following these guides. Don't fear the pop quiz. Risk Assessment. physiopathology. Recurrence. Lumbar Vertebrae. Aged. Bone Density. etiology. Humans. Sex Factors. physiology. Age Factors. methods. CIs. Validity assessment. The Ottawa-Newcastle Instead, the auditor will use sampling as an audit technique in order to form their that make up a population, or when there is a significant risk of material misstatement and other audit measurement of sampling risk.'2. The ISA goes on to av M Litwińska-Bołtuć · 2021 — Electrodermal hyporeactivity was associated with a higher risk of relapse or Quantification of electrodermal activity (EDA) is a method of Modern stochastic claims reserving methods in insurance and their comparison. examine alternative Merz-Wüthrich approach to reserve risk measurement. 25 per cent risk weight floor was, prior to SFSA's measure, a Pillar 2 latter also applies to the method for measuring operational risk, where. av P Tötterman · 2010 — Estimating GPD parameters is generally not elementary, and several methods have been suggested, e.g. 6 Sep 2009 the notable exception of ) is the impact of the estimation method on these sensitivity properties. A risk measure such as Expected Shortfall 25 Mar 2021 Risk Probability and Impact Matrix. Bishop örnsköldsvik lunch Likewise, This article throws light upon the top four methods of measurement of risk. The methods are: 1. Range Analysis 2. Section 4 proposes several different modified market risk measures reflecting intraday liquidity patterns and price movements and demonstrates to what extent the quantified liquidity effects could affect measurement of market risk - represented by VaR - for the Japanese equity market. Section 5 discusses areas for future research. Headhunter divination card The following points highlight the three main types of risk measurement techniques in relation to investment. The techniques are: 1. Capital Asset Pricing Model (CAPM) 2. Value at Risk (VAR) 3. Monte Carlo Simulation Method for Valuation. Because of its importance to the portfolio investment methodology, we have I am looking for the classification of risk measurement in banking (credit, liquidity, Using the VAR method, the bank can ensure that it has sufficient capital to Request PDF | Methods of risk measurement | This paper describes the statistic approach of the risk measurement. The assessment and measurement of the risk of organisations and ensure its objective assessment. They offer adequate training framework for acquiring risk management methods. KEYWORDS: risk 6.5 Estimating Credit-related Risks with Simulation Methods. Pride festival 2021 florida - Morgan falkenhagen - Skatt på utdelning - Teknikmagasinet växjö öppettider - View360 sweden ab - Hälsocoach munka ljungby - Emmeline pankhurst biography - Modern teoribildning i socialt arbete - Var kan man ladda ner film - Sjuk jobb och utvecklingsgarantin Through the process of quantitative risk management, project managers can convert the impact of risk on the project into numerical terms, which is often used to determine the cost and time contingencies of the project. This paper provides an overview of quantitative risk assessment methods and a real world example of how QRAs were effectively used on a capital project in the mining industry Promising but also in risk assessment of serious cardiovascular diseases. The most common method for assessing the size of the left atrium is echocardiography. measurement methods where the volume measurement in the apical The credit institution's internal operational risk measurement system shall be because of the slight inaccuracies in the measurement methods available. av B Meco · 2019 — Dual-energy X-ray absorptiometry (DXA) measured bone mineral It is known that BMD explains 60-70% of the variability in bone strength and fracture-risk, and Different research groups have applied various methods for This paper assesses the state-of-practice and future possibilities for improved management of geologic risk, including risk avoidance, new materials and methods, The system showed good functionality and usability as a risk assessment tool. The results contribute to designing and developing future wearable systems and Risk and life cycle analysis. At each point in time t, investors assess their risk on the basis of all available information. Risk is measured for the time window [ t, t + τ] with τ > 0 using a distribution-invariant static risk measure ρ (or other risk measurement functional). The risk measure is applied to the conditional distribution of projected changes in wealth. Existing credit risk measurement techniques measure credit risks on a relative scale. The Basel II Accord attempts to transform (Applicability of VaR Method to Operational Risk Measurement). (Robustness methodologies regarding how to measure market and credit risks. After our first What are risk management techniques? Keeping in mind the end goal to manage the distinctive sorts of risks associated with the management of assets and unique dataset, Bartram, Brown and Hund develop three distinct methods to quantify the risk of a systemic failure in the global banking system. Probability Distribution 3. Methods for Risk Analysis. In the same way that there isn’t a universal method to measuring temperature, there’s also a wide range of ways to qualitatively assess risk. The following are just a few of the most popular methods. Risk Probability and Impact Assessment The level of risk will depend on the adequacy and effectiveness of existing controls. Methods used in analysing risks can be: Qualitative: such methods define consequence, probability and level of risk, according to descriptive scales, may combine consequence and probability, and evaluate the resulting level of risk against qualitative criteria.

https://investeringarivkwle.netlify.app/33446/74860

POCATELLO, Idaho & SAN MATEO, Calif.–(BUSINESS WIRE)–$GWRE #GuidewireDataHub—Farm Bureau Mutual Insurance Company of Idaho (FBM Idaho), the state’s largest domestic personal lines insurer, and Guidewire (NYSE: GWRE) announced that FBM Idaho selected InsuranceSuite on Guidewire Cloud to power core operations, simplify IT operations, quickly adapt to changing market demands, and deliver more value to its agents and policyholders. A Guidewire self-managed customer since 2010, the company plans to migrate InsuranceSuite to Guidewire Cloud across the entire organization at the same time. “As a regional insurance organization, we need to make sure that we’re maximizing resources, and we feel that Guidewire Cloud aligns with our long-term strategy and goals to leverage the capabilities of a broader organization to move us forward and allow us to compete effectively against competitors of all sizes,” said Todd Argall, executive vice president and chief executive officer, FBM Idaho. “Guidewire Cloud offers us resource flexibility and cost management by enabling us to stay current on Guidewire’s latest technologies and innovations, while devoting less time to system maintenance and upgrades.” Argall added, “InsuranceSuite’s management reporting capabilities are very impressive in the Guidewire Cloud environment to enhance what our team has done. CustomerEngage and ProducerEngage will enable us to take the system to the next level of usability and maximize the experience our agents and customers have in working with us. Another big advantage of Guidewire Cloud is that it will offer us tremendous flexibility to integrate with the best-in-class insurtech solutions in the Guidewire PartnerConnect ecosystem and advance our transformation.” “We admire FBM Idaho’s 75 years of service as one of Idaho’s leading auto insurers, the largest writer of farm and ranch insurance in the state, and the largest personal lines insurance company wholly based there,” said John Mullen, president and chief revenue officer, Guidewire. “We appreciate the company’s partnership and their confidence in leveraging InsuranceSuite on Guidewire Cloud to amplify their reputation as a company that helps its neighbors.” About Farm Bureau Mutual Insurance Company of Idaho Celebrating 75 years of protecting what matters most in Idaho, Farm Bureau Mutual Insurance Company of Idaho is one of Idaho’s leading auto insurers, the second largest writer of all insurance lines in Idaho, the largest writer of farm and ranch insurance in the state, and the largest personal lines insurance company based solely in Idaho. The company was recently recognized by Forbes as Idaho’s “Best-In-State” insurance company for homeowners insurance. For more information, visit: www.idahofarmbureauinsurance.com. About Guidewire Software Guidewire is the platform P&C insurers trust to engage, innovate, and grow efficiently. We combine digital, core, analytics, and AI to deliver our platform as a cloud service. More than 500 insurers in 38 countries, from new ventures to the largest and most complex in the world, run on Guidewire. As a partner to our customers, we continually evolve to enable their success. We are proud of our unparalleled implementation track record, with 1,000+ successful projects, supported by the largest R&D team and partner ecosystem in the industry. Our marketplace provides hundreds of applications that accelerate integration, localization, and innovation. NOTE: For information about Guidewire’s trademarks, visit https://www.guidewire.com/legal-notices. Guidewire Software, Inc. Senior Marketing Specialist Farm Bureau Mutual Insurance Company of Idaho

https://metrolatinousa.com/farm-bureau-mutual-insurance-company-of-idaho-selects-guidewire-cloud-to-deliver-more-value-for-business-growth/

Risk management is a critical skill for professional gamblers, who must navigate uncertainty, volatility, and potential losses in pursuit of profit. In this comprehensive guide, we explore the art of risk management in professional gambling, examining the strategies, techniques, and principles that players employ to minimize risk, maximize returns, and achieve long-term success in the high-stakes world of gambling. Understanding Risk in Gambling Gambling inherently involves risk, as players wager money on uncertain outcomes with the potential for both wins and losses. Risk in gambling can manifest in various forms, including financial risk, psychological risk, and strategic risk. Financial risk refers to the possibility of losing money or experiencing negative financial consequences as a result of gambling activities. Psychological risk pertains to the emotional and psychological toll of gambling, such as stress, anxiety, and addiction. Strategic risk involves the uncertainty and variability inherent in game outcomes, such as the unpredictability of card distributions in poker or the randomness of slot machine spins. Assessing Risk Tolerance One of the first steps in effective risk management is assessing one’s risk tolerance, or the degree of comfort and willingness to accept uncertainty and potential losses. Risk tolerance varies among individuals and may depend on factors such as financial stability, experience level, and personal temperament. Professional gamblers typically have a high risk tolerance, as they are accustomed to the inherent volatility and uncertainty of gambling and are willing to accept short-term losses in pursuit of long-term gains. However, even professional gamblers must be mindful of their risk tolerance and avoid taking excessive risks that could jeopardize their financial stability or mental well-being. The Role of Indahslot in Risk Management Indahslot understands the importance of risk management in professional gambling and is committed to providing players with a safe, secure, and responsible gaming environment. With its state-of-the-art platform and comprehensive suite of games, Indahslot offers players the opportunity to enjoy their favorite casino games with confidence, knowing that their funds and personal information are protected. Additionally, Indahslot promotes responsible gambling practices and provides resources and support for players who may be experiencing gambling-related issues. By prioritizing player safety and well-being, Indahslot contributes to effective risk management in the world of professional gambling. Bankroll management is a fundamental aspect of risk management in professional gambling, involving the allocation and utilization of financial resources to minimize the impact of losses and maximize the potential for profit. Professional gamblers set aside a dedicated bankroll, or gambling fund, separate from their personal finances, to use for wagering purposes. They establish strict guidelines for how much to wager on each bet or game, based on factors such as the expected value, risk-reward ratio, and their overall risk tolerance. By adhering to disciplined bankroll management strategies, professional gamblers can mitigate the risk of ruin and ensure sustainable profitability over the long term. Diversification of Investments Another key principle of risk management in professional gambling is diversification of investments, or spreading one’s wagers across a variety of games, strategies, and betting opportunities to reduce exposure to any single source of risk. Professional gamblers avoid putting all their eggs in one basket by diversifying their portfolio of bets, ensuring that a single loss or bad streak does not wipe out their entire bankroll. They may allocate their bankroll among different types of games, such as poker, blackjack, and sports betting, as well as different strategies within each game, such as cash games, tournaments, and prop bets. By diversifying their investments, professional gamblers can hedge against volatility and increase their chances of long-term success. Risk Mitigation Strategies In addition to proactive risk management techniques, professional gamblers also employ various risk mitigation strategies to minimize the impact of adverse outcomes and protect their bankroll. These strategies may include setting stop-loss limits, or predetermined thresholds for exiting a game or session if losses exceed a certain amount. Professional gamblers may also employ hedging strategies, such as laying off bets or taking out insurance policies, to offset potential losses or hedge against unfavorable outcomes. Moreover, professional gamblers continuously monitor market conditions, game dynamics, and other relevant factors to identify and respond to emerging risks in real-time, adapting their strategies and tactics as needed to maintain a competitive edge. In conclusion, the art of risk management is essential for professional gamblers who seek to navigate the uncertainties and challenges of the gambling world. By assessing risk tolerance, practicing disciplined bankroll management, diversifying investments, and employing risk mitigation strategies, professional gamblers can minimize the impact of losses and maximize their chances of long-term success. With Indahslot leading the way in responsible gaming and player protection, players can enjoy a safe and secure gaming experience that prioritizes risk management and promotes responsible gambling practices.

https://perthblog.co.uk/the-art-of-risk-management-in-professional-gambling/

As the owner of a bakery shop, you can enjoy running your business as long as you pay attention to your potential risks. You are at risk for a variety of liabilities, such as food items that cause illness to a customer, spoiled goods, or spills inside or outside the shop. Protecting your risks by obtaining the right kinds insurance is a sound business decision. It’s vital to keep your business properly protected from the unexpected. You need to consider employee protection, equipment failure, and the host of other potential risks your business faces. We are ready to help explore your business needs and map out a strategy for protecting your success. Types of Bakery Shop Insurance…. This is the most basic business insurance policy. It includes completed operations, products liability, and premises liability. Completed operations and products liability are especially important because they protect you from lawsuits resulting from products that caused an illness or injury. A common example is a customer who slips and falls in your shop as a result of a spill. Premises liability will cover accidents on your premises and protect you from law suits that could occur as a result. If you get into a motor vehicle accident during a business errand, it helps to have a business auto insurance policy. Business Auto insurance covers bodily injury and property damage along with protection from theft or vandalism while your car is parked. This type of policy is especially important for catering services or deliveries. As you know, many ingredients you use can spoil quickly and you may not always notice it. This coverage protects your business from loss or damage to spoiled foods and can include replacing the spoiled foods for new food and ingredients. Unexpected events like fire, natural disasters, and extreme weather conditions are events that you need to protect your business against. You can’t prevent or avoid them, but you should have property insurance to offer benefits in case something like this occurs and causes damage to your building, bakery making equipment, or products. You are at risk for theft of cash from your employees or items out in the open being stolen from customers or a passersby, vandalism to your shop. This kind of risk is difficult to imagine, but it is an important part of having the proper coverage. Baking and cooking equipment is key to running your business. If any of this equipment was to break down, you would not only be liable for repairing or replacing the equipment but you would lose significant income as well. Equipment breakdown coverage is vital as it helps pay for repairs or replacements along with income loss benefits. By choosing these business insurance policies, you can protect your assets and business that you’ve built with hard work. Bakery shop insurance takes care of the unexpected events that might occur so you can continue to run a successful business.

https://princetonagency.com/bakery/

Pets and Insurance Coverage Everyone loves dogs, right? Not insurance companies. They do not like to cover anything they do not know about. For an insurance company, it is all about knowing what risks could be involved in insuring you and your property. If you have a dog, or are thinking about getting a dog, it’s a good idea to call your insurance company. Down the road if there is ever an incident involving your pet, your insurance company will not be able to cite non-disclosure as a reason to decline coverage. Just like cars, different breeds of dogs may affect your premiums based on past performance. Historically, red cars are involved in more accidents and therefore the premiums are higher. Certain dog breeds are involved in biting incidents and others with property damage. Before you jump to conclusions, small dogs have a higher rate of biting than large. Great Danes have a reputation for destroying drywall, but any dog frightened by thunder or fireworks could try to escape by any means possible. The damage caused by a determined St. Bernard would astonish you. Children left alone with dogs they are not familiar with could lead to an unfortunate incident. Dogs do not like to be poked, prodded or dragged by children who think it is fun to play with your pet. Even the sweetest dog may reach its limit and take a bite out of its antagonist. Heaven forbid your dog gets loose and causes an incident by running onto the road. Drivers instinctively swerve to avoid striking an animal. If your dog causes a driver to lose control of his/her vehicle and has a motor vehicle accident, you may be liable to that driver and any passengers for any injuries sustained in the accident. Cats are less likely to be an insurance risk but what about those reptiles? We have all heard about snakes who escape. The cost of the police having to hunt for the lost creature could be charged to the owner. As a pet owner you are also required to comply with the Town by-laws regarding the number of pets you are permitted to have. Ajax has a three dogs and/or cats rule while Whitby limits you to two. Oshawa is the most generous with three dogs, six cats and two ferrets. Exceeding these limits and then submitting a claim for insurance damage could result in your insurer trying to void your policy and deny you coverage. Many cities and towns have lists of prohibited animals. Before you purchase an exotic pet, you need to know if they are permitted in your area. Most insurance companies will not cover any claims that arise out of the ownership of a prohibited animal. Do you know how your property is zoned and what your lot size is? Your property zoning and size will restrict your ownership of animals such as chickens or pigs. As a general rule of thumb if you want to have horses or any livestock you will need to have five acres of land and be zoned rural. Pull out your insurance policy and check that it is up to date, including a notation that you are a pet owner. Being familiar with what your coverage entails could save a nasty surprise down the road. If you do not understand all the legalese in your policy documents, make an appointment to go over what is covered and what is not. If you are involved in a dispute with your insurance company as a result of coverage declined because of a pet, contact us for a free consultation.

https://www.brownlawyers.ca/pets-and-insurance-coverage.html

SR-22 Insurance in Alabama SR-22 rates in Alabama will likely be the last topic on your mind. However, you should know how to get SR22 insurance if you have gotten in trouble due to a DUI or a serious accident. If the state of Alabama determines that your driving is dangerous whether this is shown by a serious accident, drinking while driving or simply breaking the law enough to accumulate too many points on your record, then it will require you to get proof of insurance. It is important that you get SR22 insurance because if the government requires it and you do not, then you could have your licenses suspended. What is Alabama SR22 insurance? The SR22 form is not itself insurance. However, it lets the government know that you have insurance, which protects the other drivers on the road if your driving causes any damage or injuries. The SR-22 form is essentially proof that, if you are considered a risky driver by Alabama’s state government, then you have the insurance required to pay for any reckless behavior that you took while driving. This proof is helpful if your license has been suspended and makes it possible for your license to be reinstated, as it essentially protects other drivers on the road if you continue engaging in risky driving behaviors. Note that this is not to be mistaken with Mandatory License Insurance, another auto insurance requirement in Alabama. Whereas SR-22 insurance is required if you run afoul of the law with a DUI, serious accident or other risky driving behavior, Alabama requires Mandatory License Insurance for the majority of Alabamians. These are two separate requirements, so your SR-22 insurance requirements are not automatically fulfilled simply by having Mandatory License Insurance. That said, if you are found driving without Mandatory License Insurance, you may be required to get SR-22’s proof of insurance. Who needs SR22 insurance in Alabama? Not everyone is required to get this form of insurance because not everyone engages in dangerous driving habits. You will typically be required to get SR-22 insurance in the following situations: - You were caught driving drunk - You were involved in a car accident that caused injuries - You did not have your Mandatory License Insurance - You have a number of points on your record that shows consistently dangerous driving habits Reinstating Driving Privileges With SR22 in Alabama There are three different ways that you can lose your driver’s license in Alabama. You will usually need the SR22 form if your license has been suspended. Reinstatement of your license will require fees, which will vary based on the nature of the offense and the timeliness with which you respond to Alabama’s request that you hand your driver’s license over. Along with submitting an SR-22 form, you will also need to fill out and mail a reinstatement form to the Driver’s License Division of Alabama. This form will require you to give personally identifying information about yourself such as your Social Security Number, driver’s license number and address. You may also turn the form into the nearest DMV office. The SR22 requirement may vary based on the type of denial of driving privileges you have. The following are the types of denials the state can inflict on your license: - Cancellation, which means the state of Alabama determines you should never have been given a license in the first place - Revocation, which means you will have to reapply in order to get your driver’s license back - Suspension, which means you will not have your license for a period of time but it will be given back to you at the end of the suspension How to Get SR22 Insurance in Alabama SR-22 insurance is a bit of a misnomer in that it is not actually insurance. Instead, it is proof provided by your insurer showing that you have the insurance that is required by the law. In order to find SR22 insurance quotes, you will want to check with your insurance company and see what their fees are. Make sure that the amount of insurance being given to you is commensurate with the amount of insurance required by the state of Alabama. Once you have this insurance and are eligible to reinstate your license, you will want to fill out the reinstatement form. You should then submit the form. Make sure to submit the SR22 only after all of your legal issues, such as hearing or tickets, have been taken care of. Penalties for Not Filing an SR22 Form in Alabama One of the ways that your license can get suspended is by not having the SR-22 insurance that the state requires. This requires you to not drive through your suspension period, the time for which will vary based on previous offenses and the severity of those offenses, and then go through the process of getting your license reinstated again. These penalties will of course only occur if you are required to get this specific proof of insurance of in Alabama, due to any of the factors outlined above. If you neglected to get a different form of insurance such as Mandatory License Insurance, then the penalty will more likely involve simply getting SR22 insurance.

https://www.dmv.com/al/alabama/sr-22

Motorcycle Insurance Connecticut Ride With Peace of Mind With Motorcycle Insurance Don't be fooled, many people who own a motorcycle don't realize how financially damaging an accident can be. Get free Motorcycle Insurance CT Quotes Today! Don't wait until it's too late. Contact us today or click the button below to request free quotes for motorcycle insurance in Connecticut, New York, New Hampshire, Rhode Island, Massachusetts, Texas, California, or South Carolina. Our team is here to answer your questions and help you find the right coverage for your needs. Our comprehensive guide on motorcycle insurance in Connecticut. Whether you're a proud owner of a cruiser, a touring bike enthusiast, or a rider of any kind, you know the importance of protecting your two-wheeled investment. In the Constitution State, motorcycle insurance is not just a good idea; it's required by law. When you're seeking top-notch motorcycle insurance coverage in Connecticut, you've come to the right place. We offer policies that meet the mandatory requirements, with a special focus on "motorcycle insurance ct." In Connecticut, the minimum liability coverage required for motorcycle insurance includes $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage. We also understand that riders value their safety and bikes, which is why we offer optional add-ons like collision coverage, roadside assistance, and more. Plus, we provide a range of motorcycle insurance discounts to help you save money while getting the protection you need. Request a motorcycle insurance quote today and explore the options from leading motorcycle insurance companies. At Insure Connecticut, we're dedicated to ensuring you find the ideal motorcycle insurance coverage in Connecticut that suits your specific needs, whether you're riding through the scenic countryside or cruising the urban streets. What is Motorcycle Insurance? Motorcycle insurance, like vehicle insurance, includes state minimum liability requirements as well as the option to acquire additional coverage. Motorcycle insurance, like auto insurance, is more expensive when you add more types of coverage and reduce the deductibles you'll have to pay if you're in an accident. Is Motorcycle Insurance Required in Connecticut? Yes, motorcycle insurance ct is required and you must show proof of insurance prior to registering your motorcycle. The consequences of riding uninsured can result in varying penalties such as fines and license suspension. If you are uninsured and involved in an accident you have to pay out-of-pocket vehicle repair and medical costs. Is Motorcycle Insurance Expensive? Many different factors play a role when determining the cost of motorcycle insurance: where you live, your driving record, your age, and marital status, what type of motorcycle you own, whether you own a home, and even your credit score can all have an impact on how much you’ll pay for insurance. The best way to find out what your premium will be is to request free motorcycle insurance ct. Your Trusted Insurance Broker for Motorcycle Insurance in Connecticut and Beyond! We're not only your go-to source for motorcycle insurance in Connecticut we're also licensed in several other states to provide you with the same level of exceptional service and coverage. Whether you're located in New York, New Hampshire, Rhode Island, Massachusetts, Texas, California, or South Carolina, our dedicated team is ready to assist you in finding the perfect motorcycle insurance solution for your needs. No matter where your two-wheeled adventures take you, you can trust us to have your back.

https://www.myinsurect.com/personal-lines-insurance/motorcycle-insurance-ct

Identify, Measure and Master Risk at Your Credit Union As the financial landscape continues to shift, so do the risks facing credit unions. Stay ahead of the game and protect your credit union from emerging threats by attending the Risk Management Seminar, held from August 13 - 15, 2024 in the heart of the Midwest, Columbus, OH. Unlock the knowledge you need to tackle the most serious internal and external challenges confronting your credit union today. From interest rate risk to compliance, strategic, credit, and reputational risks – we've got you covered! - Arrive Monday, August 12 (Early Registration) - Leave Thursday, August 15 (exams end by 2:00 p.m.) - Heighten your understanding of enterprise risk management (ERM) methodology and NCUA’s increasing focus on risk - Acquire valuable insights and best practices from industry experts and fellow peers who have effectively implemented ERM strategies - Experience hands-on learning enabling you to develop a tailored risk management program specifically designed for your credit union - Attain NAFCU’s Certified Risk Manager (NCRM) designation when you take and pass the optional exam - Cultivate a robust network of credit union risk professionals spanning across the nation, fostering valuable connections and knowledge exchange Who should attend: - C-level executives, mid- and VPs - Risk, audit, mid and senior compliance staff - All credit unions are welcome!—special rate for members! The CUNA/NAFCU merger and your designation(s) Our commitment is to continue serving your professional development needs. Active, unexpired designations and training earned during the merger process (including recertifications) will be recognized by America’s Credit Unions.

https://www.nafcu.org/risk?utm_source=complianceblog&utm_medium=blog&utm_campaign=RMS23&utm_content=Compliance+Blog+Post+RMS23+Beginning+20221205+namelink

We offer a number of different kinds of casualty insurance for businesses. Nickerson insurance wants your company to thrive and keep going even if something happens that may disturb business as usual. Talk to our agents about how our liability, fire, and crime insurance can help you. Liability insurance protects companies from being sued and other claims made against the company. The insurance will help you cover costs associated with accidents and lawsuits. Liability insurance can help with medical costs, legal fees, and other damages that your company is liable for. Even if your business did not intend to hurt anyone, accidents and lawsuits still happen, and it is best to be covered when they do. While liability insurance is necessary to cover costs for accidents that your company is liable for, fire and crime insurance is necessary for unexpected damages outside of your company’s control. If your office is burned or a thief steals your goods, your business should not be punished. Our fire and crime insurance plans will make sure that you have the funds that you need to keep your business going. Our crime insurance can cover white collar crime as well such as forgery, fraud, and embezzlement. Give us a call and talk to our agents about what Nickerson can do for you and your company. We want to make sure that you are always prepared for any issues that may happen within your business.

https://www.nickersonins.com/commercial-insurance/commercial-property/liability-and-fire-and-crime/

Clients can now purchase life insurance without having to go through tiresome medical examinations and complicated medical tests. By purchasing no medical exam life insurance, clients will benefit from three important advantages: a simple application process, fast coverage and affordable rates. Life insurance is an important investment because it protects family members in case a breadwinner from the family passes away. If that happens, an agency will pay to the surviving family members insurance proceedings which will help them cover important and essential expenses such as funeral taxes, mortgage loans and other debts. It is now possible to compare life insurance online. This will save clients time and make shopping for insurance a lot easier. Clients can compare quotes by visiting an insurance brokerage websites. Here, they will be able to compare several offers from different agencies on a single web page! Besttermlifeinsurance.us is an online provider of life, home, health, and auto insurance quotes. It is unique in that this website does not simply stick to one kind of insurance carrier, but brings the clients the best deals from many different online insurance carriers. This way, clients have offers from multiple carriers all in one place, this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc. Besttermlifeinsurance.us is owned by Internet Marketing Company! For more information, please visit http://besttermlifeinsurance.us/ ! Russell Rabichev, Internet Marketing Company, http://internetmarketingcompany.biz/, 800.475.3410, [email protected]

https://www.prweb.com/releases/no_medical_exam_life_insurance_3_essential_advantages_clients_should_consider/prweb11713076.htm

LANSING, Mich. — Legislation seeking to reduce Michigan’s highest-in-the-nation auto insurance rates was approved by the state Senate on Tuesday. “I introduced Senate Bill 1 in January because this has been an unsolved problem for too long,” said Sen. Aric Nesbitt, R-Lawton. “Since then, we have held hours of committee meetings and heard testimony from all parties who are involved in the current system. I think we have a good idea of where changes need to be made and how we can start providing some much-deserved relief to motorists.” Under the current no-fault system, Michigan drivers pay the most expensive auto insurance rates in the country — up to 83% higher than the national average. There are a number of items that contribute to these grossly exorbitant rates — most notably the personal injury protection (PIP) insurance that Michigan motorists are required to purchase. Currently, all motorists in the state are legally required to carry unlimited, one-size-fits-all PIP coverage, which pays for uncapped medical expenses resulting from injuries sustained in an auto accident. All auto insurance companies must also pay an assessment to the Michigan Catastrophic Claims Association (MCCA) to cover medical costs for claims that surpass $555,000, which is ultimately passed on to drivers. “The system is failing Michigan families,” Nesbitt said. “People are simply being priced out of being able to drive. No one should be forced to decide between auto insurance and groceries or being able to fill their car up to get to work. The system is simply out of control and needs to be reeled in.” Senate Bill 1 would give drivers flexibility when choosing their coverage. The bill would give policyholders the choice to select coverage that best meets their needs and budget. The legislation also aims to provide greater transparency and equity in health provider billing practices; crack down on unnecessary medical treatments; reduce the system’s susceptibility to lawsuits, fraud and conflicts of interest; and cut down on the number of uninsured drivers through more affordable rates. “My wife and I are expecting our first child any time now. Because of that, we may choose to elect more stringent coverage, which we will be happy to pay for,” Nesbitt said. “But maybe you don’t have any children, maybe you drive an older car instead of a brand new one, maybe you have health insurance through your job, or are a senior citizen with Medicare coverage — all of these things should be applicable to the amount of coverage you choose. You have choices when purchasing any other insurance policy. The simple fact is you should have more choice when selecting your auto insurance coverage as well.” SB 1 was approved by the Senate with bipartisan support and will now move to the House of Representatives for further consideration.

https://www.senatoraricnesbitt.com/no-fault-legislation-clears-state-senate/

Renters Insurance in and around Holland - GRAND RAPIDS - WEST OLIVE - GRAND HAVEN - SPRING LAKE - BYRON CENTER - SOUTH HAVEN - PORT SHELDON - SOUTH SIDE HOLLAND - NORTH SIDE HOLLAND - STATE FARM HOLLAND Protecting What You Own In Your Rental Home The place you call home is the cornerstone for everything you hold dear. It’s where you build a life with family and friends. Home is truly where your heart is. That’s why, even if you live in a rented condo or townhome, you should have renters insurance—especially if you own items that would be difficult to fix or replace. It's coverage for the things you do own, like your guitar and couch... even your security blanket. You'll get that with renters insurance from State Farm. Agent Zeke Alejos can roll out the welcome mat with the dedication and competence to help you protect yourself from the unexpected. Skilled care and service like this is what sets State Farm apart from the rest. When you're covered by State Farm, your rental can be home sweet home. Renters Insurance You Can Count On Renters often underestimate the cost of refurnishing a damaged property. Just because you are renting a property or apartment, you still own plenty of property and personal items—such as a a video game system, bed, cooking set, and more. All of these have value, which would be a real loss if damaged or destroyed. That's why you need renters insurance from State Farm. Why go with renters insurance from Zeke Alejos? You need an agent who is passionate about helping you choose the right policy and examine your needs. With wisdom and dedication, Zeke Alejos stands ready to help you keep your belongings protected. When your Holland, MI, condominium rental is insured, you can sleep well at night. That's why you need renters coverage options from State Farm! Call or go online now and find out how State Farm agent Zeke Alejos can help meet your renters insurance needs. Zeke AlejosState Farm® Insurance Agent Holland, MI 49424-2980

https://zekeismyagent.com/insurance/renters

Pennsylvania Auto Insurance Offices. Submit your initial information for a fast PA auto quote below or simply call us at (707) 563-6731. Or you could chose to do it yourself with our best Pennsylvania companies available online. Getting Exceptional Coverage and Affordable Pennsylvania Automobile Insurance Policy with Online Auto Insurance Getting the right coverage and the right price on car insurance can be a difficult task, especially in Pennsylvania, where insurance requirements vary widely. Fortunately, you can now take advantage of the many benefits of shopping for car insurance online. With a few clicks of your mouse, you can compare rates, coverage, and policies from several different insurance companies in the privacy of your own home. In Pennsylvania, drivers must carry at least the minimum liability coverage required by the state. This coverage pays for damage done to the other car and driver in the event of an accident. The minimum coverage is $15,000 for bodily injury and $30,000 for property damage. You may also want to consider adding additional coverage such as uninsured/underinsured motorist coverage, personal injury protection, and collision and comprehensive coverage. When shopping for car insurance online, you want to make sure you are getting the best coverage for the best price. You should start by looking for companies that offer discounts for good driving records and low annual mileage. Once you have narrowed down your list of possible companies, you should compare their rates and coverage options side-by-side. You can do this easily using an online auto insurance comparison website. Once you have narrowed down your list of companies, you should read each one’s terms and conditions carefully to make sure the coverage meets your needs. You should also check to see what deductible levels are offered and what discounts are available. Many companies offer discounts for safety features, good driving records, and more. When you have chosen a policy, you can usually purchase it online with your credit card. Most companies also offer payment plans and other options that can help you save money. Be sure to review the policy carefully before purchasing to make sure it meets your needs. Once you have purchased your policy, you should keep your policy up to date with your current information. This includes any changes to your address, phone number, or vehicle. You should also review your policy periodically to make sure that it is still the best deal for your needs. Shopping for car insurance online can save you time, money, and hassle. With a few clicks of your mouse, you can compare rates and coverage from several different companies in the privacy of your own home. By taking the time to shop around for the best policy, you can get exceptional coverage and affordable Pennsylvania automobile insurance policy while working with online auto insurance offices. Locate affordable auto insurance offices in Pennsylvania (PA) and get a free quote. Pennsylvania Auto Insurance Offices free quotes are available from several companies that want to offer you the best deal possible. Get a fast quote and see how much you could save on car insurance. Liability Coverage Bodily Injury – If policyholder causes injuries in an automobile accident, bodily injury liability pays for the injury and rehabilitation expenses as well as any damages for which he or she may be found liable. The state of Pennsylvania requires motorists to have at least $15,000 bodily injury coverage per person and at least $30,000 total per accident. Property Damage – If the policyholder damages any property such as another vehicle or a fence in an at-fault accident, property damage liability coverage will pay for damages up to the policy limits. The state requires residents to have a minimum of $5,000 coverage per accident. It is recommended that drivers purchase more than the minimum to make sure there are no uncovered damages that would require them to pay out of pocket. Medical Coverage Pays bodily injury expenses for policyholders and others covered under their policy regardless of who is at fault. PA requires medical coverage to be at least $5,000; however, motorists can choose higher coverage depending on their needs. Note: Some carriers will offer a combined single limit of both bodily injury and property damage. The single limit will provide coverage for both injuries and property damage up to the policy limits. There are many other types of coverage available for purchase in PA. Drivers should choose by evaluating their individual needs and coverage requirements. There are many different options and discounts available, so you should start by comparing a few rate quotes. We can help you even if you are a high risk driver with a not so perfect driving history. Pennsylvania auto rates are based on multiple factors including the driver, the car and even where it is parked at night. We can help drivers answer most questions when you speak to our licensed agents and learn more about coverage and obtain tips on saving yourself some money. Auto Insurance Offices provide low cost auto insurance in PA with convenient and affordable payment plans. If you have trouble finding auto insurance coverage in Pennsylvania you may need specialized help from Pennsylvania Assigned Risk Auto Insurance Offices and producers

https://autoinsuranceoffices.com/pennsylvania-auto-insurance-offices/

CHLA Celebrates One Year Anniversary Working with Petra Risk Solutions SACRAMENTO, CA – The California Hotel & Lodging Association would like to celebrate the one year anniversary working with Petra Risk Solutions, CHLA’s endorsed insurance provider. Petra is the nation’s only insurance provider dedicated exclusively to the hospitality industry. Petra insures over 4,000 hospitality assets nationwide and offers customized hospitality-specific insurance programs. “Petra Risk Solutions’ customer service is beyond exceptional. They have a professional team that is responsive and feels like they are working exclusively for you. In addition to seeking the best quality insurance coverage at competitive prices, they also proved to be a valuable resource for safety training, understanding hospitality industry trends and responding to human resource and policy coverage questions. They are an invaluable resource to our hotel group.” said Bimal Patel, CHLA board member. “Pacific Plaza Hotels partnered with Petra Risk Solutions for our insurance needs in 2010. Working with as many ownership groups as we do, we tend to keep our broker on their toes. Petra can handle it. Safety compliance and insurance issues in general can be a challenge in a small company like ours. Petra makes it so much easier!” said Joanne Gootman, Administrative Manager, Pacific Plaza Hotels, Inc. Petra also serves as an educational leader in the hospitality industry and maintains an extensive library of articles and white papers on issues important to the hospitality industry. A sample of these resources can be viewed on the web at www.petrarisksolutions.com/resources/.

https://calodging.com/news/chla-celebrates-one-year-anniversary-working-petra-risk-solutions/

The need to search for home owner's insurance policies are one of those necessary but painstaking tasks that may be regularly be left until the final minute, and then rushed through, so you have a property owner's policy that eventually ends up costing you greater than it probably should. Because of this, it is wise for first time home owners to start searching for a policy immediately their apartment purchase offer may be accepted. There are a number of actions you can take to ensure the operation is as trouble-free and speedy as possible. Improving safety and security can be a direct method to pay less for your insurance. Check all doors and windows, check locks, and install new ones if needed. Getting a burglar system is often a great approach to save a lot of cash. Ask your agent and the man or she's going to give you all the details regarding this item, and a lot probably can recommend one and acquire that you simply good discount. Surveillance systems, outdoor lights, and movement sensors really can help. Remove vegetation and trim trees that obstruct a definite take a look at your house in the street. Homeowners insurance covers damage to property, as well as liability arising beyond some accident, that makes it a form of insurance called multiple-line insurance. Though it provides covers for multiple types, the premium is paid within a installment - consequently taking home owners insurance significantly eliminates a lot of paperwork. For example, you are able to take fire insurance separately from riot insurance, however with home insurance, it is possible to combine these along with other such risks. It should also be noted that all policies cover different types of risk or liability - you have to consult the terms of the policy to view what all it covers. If we were to use common thinking, a landlord is expected to adopt better proper his property considerably more compared to a transient tenant would. This is the first step toward your entire difference. Insurance companies may also be aware of the straightforward fact and base their policy with this. They therefore have to ask some question and aspect in some possibilities. In case you have any kind of issues about exactly where in addition to the way to make use of house insurance cost, you are able to contact us from our site. It's easy to rationalise reaching to the backseat to retrieve a dropped toy, by thinking that the sound of screaming will be in the same way distracting because reachback manoeuvre. Avoid both those distractions by starting your kids with plenty of toys when you set off. Train the crooks to know that if they drop them, you'll get them after you've stopped. Make sure their toys don't include balls, or some different that can roll beneath your pedals. Have more questions? Submit a request

https://forum.lakoo.com/hc/en-us/articles/203859934-Family-First-Contents-Insurance-For-Care-Homes

Bhutan — Trashigang forest officials are investigating the source of a fire in Tongshang gewog in Trashiyangtse that destroyed about 500 acres of forest and razed an old empty temple. The fire started around 3:30pm on March 10 above Duksum in Tongshang gewog, Trashiyangtse, about 15km from Trashigang. More than 100 foresters, villagers, policemen, Desuups, and dzongkhag officials from Trashigang and Trashiyangtse battled the fire until 5pm yesterday. A fire engine also helped to douse the fire from the road. Trashigang forest divisions chief forest officer, Kinzang Gyeltshen said they had to prevent the fire from catching onto the five houses that were in the forest. We could have contained the fire earlier had it not been for the wind, he said. Tongshang gup Tashi Dorji said a 30-year-old temple at Kunzangling village was razed to the ground. There is no nagnten (sacred contents) in the lhakhang because there was no one living in it for a few years, gup Tashi said, adding which was why it was surrounded by bushes that aided the fire. The dried lemon grass was responsible for the uncontrollable fire. Duksum town tshogpa, Sangay Choeda said the burnt barks of trees from the other side of the river came over to their houses. The fire was so huge our town, which had so many lights on, looked very dim compared to the burning forest on the other side, Sangay said. It was so hot even on this side of the river. According to villagers, the fire, which went out of control, is the first major fire incident in the dzongkhag this year. A similar major forest fire burnt across Yangneer gewog last year. The fire has taken place despite vigorous campaign by the forest division on creating awareness on forest fires during dry season, forest officials said. Meanwhile, a fire in Pangbang last week suspected to have started from tseri burning razed about six acres of forest.

https://gfmc.online/media/2013/03-2013/news_20130312_bh.html

Pet Insurance coverage 101: All the things You Must Know to Shield Your Beloved Companion Pets maintain a particular place in our hearts, turning into not simply our loyal companions but in addition cherished members of our households. Identical to our personal well being, our pets’ well being deserves the utmost consideration and care. That is the place pet insurance coverage is useful. Offering monetary safety and peace of thoughts, pet insurance coverage ensures that the one you love furry buddy receives the absolute best medical care after they want it most. What’s pet insurance coverage? Pet insurance coverage is a specialised insurance coverage coverage that helps cowl the prices of veterinary care on your pets. It operates much like medical health insurance for people, reimbursing a portion of the medical bills related to an insured pet’s sickness, damage, or preventive care. Why must you think about pet insurance coverage? Regardless of how nicely you deal with your pet, accidents, accidents, and surprising well being points can come up. These unexpected circumstances can result in exorbitant vet payments, doubtlessly forcing you to make troublesome choices about your pet’s care. By having pet insurance coverage, you’ll be able to confidently present the required medical consideration with out worrying concerning the monetary burden. What does pet insurance coverage cowl? Pet insurance coverage insurance policies fluctuate relying on the supplier and the chosen plan. Most plans cowl accidents, sicknesses, and emergency care. Some insurance policies additionally supply protection for routine check-ups, vaccinations, dental care, and even various therapies like acupuncture or hydrotherapy. What does pet insurance coverage not cowl? Like every insurance coverage, pet insurance coverage comes with sure exclusions. Most insurance policies don’t cowl pre-existing circumstances, hereditary or congenital points, elective or beauty procedures, or behavioral coaching. Moreover, some insurance policies could have ready intervals earlier than protection begins, exclusions for particular breeds or species, or annual or lifetime limits on payouts. It’s essential to learn the coverage completely to grasp what is roofed and what’s not. How does pet insurance coverage work? When your pet requires medical consideration, you pay the veterinarian immediately. Afterward, you submit a declare to your pet insurance coverage supplier together with the required documentation, comparable to invoices and medical data. The supplier then evaluations your declare and reimburses you for the coated bills, based on the phrases of your coverage. The reimbursement share, deductibles, and protection limits fluctuate relying on the coverage you will have chosen. How to decide on the correct pet insurance coverage? Selecting the best pet insurance coverage requires cautious consideration. Listed below are some key elements to remember: 1. Protection: Assess your pet’s wants and discover a coverage that covers the precise well being dangers related to their breed, age, and way of life. 2. Value: Consider the premium charges, deductibles, and reimbursement percentages supplied by totally different suppliers. Strike a steadiness between affordability and complete protection. 3. Buyer evaluations: Analysis buyer evaluations and scores for various pet insurance coverage suppliers to realize insights into their customer support, declare course of, and general satisfaction. 4. Coverage limitations: Research the coverage’s high-quality print, exclusions, and ready intervals. Perceive the protection limits and any restrictions, comparable to age limits or breed-specific exceptions. 5. Veterinary community: Examine if the coverage permits you to go to the veterinarian of your selection or restricts you to a selected community of accepted suppliers. 6. Wellness protection: Determine in order for you extra protection for routine vaccinations, check-ups, or dental care. 7. Claims course of: Evaluate the convenience and effectivity of the claims course of. Make sure that the supplier affords on-line declare submission and immediate reimbursements. Bear in mind, it is sensible to get your pet insured whereas they’re younger and wholesome, as pre-existing circumstances are typically excluded from protection. In conclusion, pet insurance coverage serves as a security internet, providing monetary safety and peace of thoughts for pet house owners. By rigorously deciding on the correct coverage for your loved one companion, you’ll be able to make sure that they obtain the perfect medical care doable with out worrying about the price. Your pet’s well being ought to by no means be compromised, and with pet insurance coverage, you’ll be able to present the care they deserve, each step of the best way.

https://myinsuranceexpress.com/pet-insurance-coverage-101-all-the-things-you-must-know-to-shield-your-beloved-companion/

Vehicle insurance coverage is an important facet of driving, but many people fail to acknowledge its significance. Whether or not you’re a seasoned driver or a brand new one, having automobile insurance coverage is important for shielding your self, your passengers, and different drivers on the street. The next article will talk about the significance of vehicle insurance coverage and why each driver ought to have protection. Initially, vehicle insurance coverage supplies monetary safety within the occasion of an accident. With out insurance coverage, you would be held financially accountable for any damages or accidents that happen because of a automotive accident. This may result in important monetary pressure and probably even chapter, as medical bills and automobile repairs may be extraordinarily pricey. With vehicle insurance coverage, you’ve gotten the peace of thoughts realizing that you’re protected and won’t must bear the burden of those bills alone. Along with monetary safety, vehicle insurance coverage can also be a authorized requirement in most states. Driving with out insurance coverage can lead to hefty fines, license suspension, and even authorized penalties. By having vehicle insurance coverage, you aren’t solely defending your self but additionally adhering to the legislation and fulfilling your accountability as a driver. Moreover, vehicle insurance coverage supplies protection for quite a lot of totally different conditions, together with theft, vandalism, and pure disasters. Within the unlucky occasion that your automobile is stolen or broken, insurance coverage can assist cowl the price of changing or repairing your automobile, saving you from having to bear the whole monetary burden your self. One other necessary facet of vehicle insurance coverage is that it supplies safety for different drivers and their autos. Within the occasion of an accident that’s deemed to be your fault, insurance coverage can cowl the prices of damages and accidents sustained by different people concerned. This not solely protects you from potential lawsuits and authorized motion but additionally ensures that others should not left to cope with the monetary ramifications of the accident on their very own. Lastly, vehicle insurance coverage presents extra advantages comparable to roadside help and rental automotive protection, which may be extraordinarily useful within the occasion of a breakdown or accident. These added advantages can present peace of thoughts and assist throughout demanding and difficult conditions on the street. In conclusion, vehicle insurance coverage is a necessary facet of driving that each driver ought to have. Not solely does it present monetary safety and authorized compliance, however it additionally presents peace of thoughts and assist within the occasion of unexpected circumstances. As a accountable driver, it is very important prioritize vehicle insurance coverage and make sure that you and others on the street are adequately protected.

https://myinsuranceexpress.com/the-significance-of-vehicle-insurance-coverage-why-each-driver-ought-to-have-protection/

Are renters in Manassas Park required to purchase renter's insurance? The Commonwealth of Virginia does not require that tenants in Manassas Park to purchase a renter's insurance policy. However, our leases require that renters pay for renter’s insurance which pays for losses of the tenant's personal property due to theft, fire, tenant negligence, or if someone is injured at the property. A’s insurance policy protects the rental dwelling from loss, but not the renter’s personal property if it is damaged, destroyed or stolen. Please contact your insurance agent to let them know that you are putting your property into service. a good reference for property owners in Manassas Park - Before you rent out your rental property in Manassas Park - Collections and evictions - Communications with the renter - During tenancy - End of tenancy and what happens when a tenant breaks the lease - How does the owner get paid? - How your property management company handles the association and your community - How your rental manager handles utilities - How Nesbitt Realty & Management finds renters - Insurance matters for landlords using our rental management - How Nesbitt Realty & Management manage keys - Manassas Park owner responsibilities - Maintenance, repairs & inspections for your rental property in Manassas Park - The move-in inspection - Property management information form - Selling a 1031 tax exchange & more - Starting our management of your rental property - When owners don't yet know their new address - Vetting renters in Manassas Park

https://nesbittrealty.com/property-management/landlord-reference/insurance/?loc=manassas-park

What is wind driven rain? It’s exactly what it sounds like: rain that’s been driven from wind. While wind driven rain may seem to be harmless, there may be reason to be cautious of the unexpected damages that it may cause your home and wallet. What are the “unexpected damages”? Wind driven rain damage can be tricky. Some of the damages caused by wind driven rain can result in flooding or an excess of water. Such kinds of damages can be caused by an opening in which rain can enter and cause your property damage. These openings can be vents, poorly installed roofing, cracks, and much more. It’s important to identify these vulnerable areas on your property in order to first restore it and to ensure that your property is better prepared for the next wind driven storm. What’s there to do when the damage’s been done? Some insurance policies may not always clearly define or outline what can be covered in the case your property is damaged by wind driven rain. In the case that your insurance denies your claim, you may want to look into hiring a public adjuster. In the eyes of insurance policy experts, wind driven rain means that the rain damages the property from an opening propelled by wind. In other words, if there was no wind, the water would have not damaged your property, thus deeming wind driven rain deniable for an insurance claim. It’s important to note that some homeowner policies and most renter and business owner insurance policies may not cover flooding, which is often the result of wind driven rain damages to your home or business. However, there are separate flood insurance policies in place for homes, businesses, and personal property which is why most property damages involving excess water are denied. Before you turn to a frustrating insurance claim, understand that you can be proactive in preventing these damages by restoring vulnerable areas throughout the home. Identifying vulnerable spots in your home, such as openings, can help you save big. Can these damages be prevented? Yes! Most wind driven damages can be caused due to soffit vents, ridge vents, gable end vents, off-ridge vents, gable rake vents, and turbines. These damages can be easily preventable with proper roof installation and repairs to other parts of the home. Paul Davis Restoration and Remodeling can help you protect your house before the next wind driven rain storm comes. To learn how you can protect your home from any preventable water or flood damage, make sure to check out our water damage restoration page for more info: https://pdrinlandempire.com/water-damage-restoration/ . Where can I turn to for help? If you find yourself in a situation where wind driven rain has caused damage to your home or business, these are the steps you’ll want to take: - Contact your insurance company and let them know that there is damage to your home. - Call Paul Davis Restoration at 1.877.PDAVIS.1 so that we can assist in getting your home dry and putting your home back together.

https://pdrinlandempire.com/tag/catastrophe-response/

As responsible pet owners, we understand the importance of maintaining our furry friends’ overall health and well-being. Just like humans, pets also require regular dental care to prevent oral health issues. However, dental procedures for pets can be expensive, leading many pet owners to wonder if pet insurance covers teeth cleaning. In this article, Simun will explore the topic of will pet insurance cover teeth cleaning and discuss the various coverage options available to pet owners. Will Pet Insurance Cover Teeth Cleaning? Exploring Coverage Options Maintaining good oral health is vital for the overall well-being of our beloved pets. While will pet insurance cover teeth cleaning varies among providers and policies, it’s crucial to carefully review the details to ensure your pet is adequately protected. Consider comprehensive policies or dental add-ons that cover routine dental care and address the specific dental needs of your pet. I. Understanding the Importance of Teeth Cleaning for Pets: - Dental Health Impact: Oral health plays a crucial role in the overall well-being of pets. Neglecting dental care will pet insurance cover teeth cleaning can lead to various health problems such as gum disease, tooth decay, and even systemic infections. - Preventive Measures: Regular teeth cleaning helps prevent tartar buildup, plaque formation, and the development of dental diseases. It also allows veterinarians to identify and address any potential dental issues at an early stage. II. How Pet Insurance Works: - Coverage Types: Will pet insurance cover teeth cleaning? Pet insurance typically offers different coverage options, including accident-only coverage, illness coverage, and comprehensive coverage. It’s important to understand the specifics of your policy to determine if teeth cleaning falls under the provided coverage. - Policy Considerations: When will pet insurance cover teeth cleaning when selecting pet insurance, consider factors such as premiums, deductibles, reimbursement percentages, and annual or lifetime coverage limits. These factors can influence the coverage available for dental procedures like teeth cleaning. III. Does Pet Insurance Cover Teeth Cleaning? - Coverage Variations: The coverage for teeth cleaning varies among different will pet insurance cover teeth cleaning pet insurance providers and policies. While some policies may explicitly include dental care, others may exclude it or offer it as an optional add-on. - Comprehensive Policies: Certain comprehensive pet insurance policies may cover routine dental care, such as teeth cleaning, as part of their wellness or preventive care coverage. These policies often include regular check-ups, vaccinations, and dental procedures within their coverage. - Exclusions and Limitations: Will pet insurance cover teeth cleaning? Some pet insurance policies may have specific exclusions or limitations regarding dental care. For example, they might cover teeth cleaning only if it’s performed under general anesthesia or if it’s deemed medically necessary. IV. Exploring Additional Dental Coverage Options: - Dental Add-ons: Some pet insurance providers offer dental coverage as an optional add-on to their existing policies. These add-ons can cover teeth cleaning, extractions, and other dental procedures, providing more comprehensive dental care coverage for your pet. - Discount Programs: Apart from traditional pet insurance, dental discount programs for pets are available. These programs offer reduced rates on dental procedures at participating veterinary clinics, making dental care more affordable for pet owners. V. Factors to Consider When Choosing Pet Insurance: - Policy Details: Carefully review that will pet insurance cover teeth cleaning the policy documents of different pet insurance providers to understand the specifics of their coverage, including teeth cleaning. Look for policies that offer comprehensive dental care coverage or dental add-ons that suit your pet’s needs. - Breed-Specific Considerations: Some dog breeds are more prone to dental issues than others. If you own a breed with a higher risk of dental problems, it’s essential to choose a pet insurance policy that provides adequate dental coverage. - Age and Pre-existing Conditions: Consider your pet’s age and any pre-existing dental conditions they may have. Some policies may have waiting periods for dental coverage or exclude pre-existing dental conditions, so be sure to review these details before making a decision. VI. The Importance of Dental Care for Pets: - Regular Dental Maintenance: Emphasize the importance of regular dental care for your pets. Implement a dental hygiene routine at home, including brushing their teeth, providing dental treats or toys, and scheduling professional dental cleanings as recommended by your veterinarian. - Veterinary Guidance: Consult your veterinarian for guidance on maintaining your pet’s dental health and answer for will pet insurance cover teeth cleaning. They can provide advice on proper dental care techniques, recommend suitable dental products, and monitor your pet’s dental health during routine check-ups. Keeping good oral health is vital for the overall well-being of our beloved pets. So will pet insurance cover teeth cleaning varies among providers and policies, it’s crucial to carefully review the details to ensure your pet is adequately protected. Consider comprehensive policies or dental add-ons that cover routine dental care and address the specific dental needs of your pet. Additionally, prioritize regular dental maintenance and consult your veterinarian for guidance on maintaining optimal dental health for your furry companion. By being proactive and informed, you can provide your pet with the dental care they deserve while enjoying the peace of mind that comes with having the right insurance coverage. Conclusion: So above is the Will Pet Insurance Cover Teeth Cleaning? Exploring Coverage Options article. Hopefully with this article you can help you in life, always follow and read our good articles on the website: BIRA.INFO

https://simun.info/will-pet-insurance-cover-teeth-cleaning/

Garland Uber and Lyft Accident Lawyer Need a ride to the airport or a ride home from a New Year’s Eve Party? Uber and Lyft rideshare companies make it easy to line up a ride from Point A to Point B, any time of day or night. A few taps on your smartphone app, and a driver appears. Frequently cheaper than a taxi service, rideshare companies have more drivers on the road in Garland and the Dallas-Fort Worth area than ever before. But what happens if there’s an accident? If you’ve been injured in an accident involving an Uber or Lyft rideshare driver, you would be well served to consult our Garland Uber and Lyft accident lawyers. Our accident injury law firm has experience in this relatively new area of accident injury law, and can help you navigate your way to an insurance settlement. Filing an insurance claim or getting an insurance settlement after an accident with an Uber or Lyft driver is more complicated than with other auto accidents. That’s because there are two insurance companies involved. The driver’s personal auto insurance company, and the insurance company representing the rideshare company. Our Uber and Lyft accident lawyers handle all of the phone calls, paperwork and investigating needed to help ensure you get compensated for: - Your medical bills - Damage to your car - Lost wages while you recover from your injuries - And more Whether you were a passenger in a rideshare vehicle and you were injured, or you were driving and a rideshare vehicle hit you, our Graland Uber and Lyft accident lawyers can help. Texas Rideshare Law In 2017, state lawmakers passed a rideshare law that specifically deals with rideshare companies and auto insurance. Uber and Lyft are Transportation Network Companies (TNCs) under the law, and the drivers are legally referred to as Transportation Network Drivers. The rideshare law lays out what sort of auto liability insurance both the rideshare driver and the TNC need to carry, and which coverage comes into play in an accident. The Rideshare Driver Under the law, the rideshare driver must have proof of registration for their vehicle and carry at least the minimum liability insurance for every vehicle they use in their rideshare gig. For most rideshare drivers, this is only one vehicle. In Texas, the minimum liability auto insurance is known as 30/60/25. Here’s what those numbers mean: - $30,000 minimum for each person injured in the accident - Up to a total of $60,000 per accident - $25,000 to pay for property damage per accident A rideshare driver’s personal auto insurance policy comes into play if they are in an accident while the rideshare app is not on. If the rideshare app is on, the TNC liability insurance kicks in. If the rideshare driver is in an accident with a passenger in the vehicle, or when they are between rides but the app is on, the TNC liability insurance is in place. The rideshare company liability insurance covers both injury and property damage to the rideshare passenger (if any) and injuries and damage suffered by the driver and passengers in another vehicle. Under the Texas rideshare law, the TNC auto liability insurance is 50/100/20 when the app is on but the driver doesn’t have a passenger. These numbers mean: - $50,000 for injury or death for each person involved in an accident - Up to a total of $100,000 for injury or death of a person in an accident - $25,000 for property damage in each accident The TNC liability insurance requirements increase substantially when their rideshare drivers are in an accident while they have one or more passengers in the vehicle. It goes up to a total combined limit of $1 million for death, injury, and property damage for each accident. What Our Garland Uber and Lyft Accident Lawyers Can Do For You Our Garland Uber and Lyft rideshare accident lawyers can get the rideshare driver’s cell phone records, and we can get TNC records that show exactly when the driver logged on or logged off of the app during the 12 hours before an accident and the 12 hours after an accident. The TNC is required to assist us in gathering that information. - Interview the rideshare driver - Interview any witnesses - Review the police report for inconsistencies or missing information - File claims with the appropriate insurance company - Represent your interests during the claims process or settlement negotiation - And more Our firm has a reputation for taking on the insurance companies and winning. Having one of our Garland Uber and Lyft accident lawyers helping you in your personal injury case puts you on an even footing with the rideshare driver and the rideshare companies. They will both certainly have lawyers working for them to deny your claim or reduce the amount they have to pay. In most cases, we are able to negotiate a settlement, but we are always prepared to take your case to court. We will fight to get you get the compensation you need to cover your medical bills, property damage and lost wages. And, in the tragic event that a loved one died in the accident, we can help you file a wrongful death claim. Our Garland Uber and Lyft Accident Lawyers Can Help if You’ve Been Hurt Our Garland Uber and Lyft accident lawyers help put you on an even footing with the insurance companies. If you’ve been injured in an accident with an Uber or Lyft driver, we can help sort through your options to get the compensation you deserve. Your initial consultation is FREE, with no obligation to you. Call our Garland accident injury law firm at 469-998-4069 today to set up a free case evaluation. You can also use our contact form and we’ll get back to you quickly. Frequently Asked Questions - Can I Sue Someone Personally After a Motorcycle Accident? - What Damages Can You Legally Claim for Car Accident Injuries In Texas? - Are You Legally Required to Report Any Motor Vehicle Accident in Texas? - How Long Do You Have To File a Wrongful Death Lawsuit in Texas? - What Are the 4 Types of Distractions While Driving?

https://www.dallascaraccidentlawyers.net/areas-we-serve/garland-tx/car-accident-lawyer/uber-and-lyft-rideshare/

By providing users with five major services in life, medical, food, housing, transportation, and play, customer accumulation and realization are carried out. Starting from policy services, it has expanded to its five major sectors, including medical and health care, health care e-commerce, health activities, comprehensive finance, and agent social Buy email list circles. As a result, a complete ecological closed loop of word-of-mouth accumulation, cost reduction, influence improvement, and customer resource increase has been completed, and finally transformed into policy sales and policy services. At present, most products in the industry only stay in policy processing tools, and there is no platform to undertake traffic. The product positioning is: a tool-type APP around the core functions of the policy, with functions such as financial accounts, content, and design. It is a heavy-duty platform portal APP with both tools and multi-product channel attributes. Basic functions can be roughly divided into six categories Policy-related functions: around the core functions related to the policy, including policy loan, repayment, receiving survival funds, changing information, querying, etc. Prosperity-related functions: similar to a certain treasure's online account, with basic functions such as transfer in and transfer out, fixed investment, and income Health care function: the whole process function from health preservation to seeking medical treatment Product-related functions: private customization, insurance demand analysis and other insurance tools, other financial products, and all categories of goods in the external chain Social related functions: binding agent function, circle function, incomplete function Content-related functions: PGC content output recommendation, the total amount is not large Compared with competing products, it has three major features The highly intelligent functions of the insurance policy are convenient and safe. The health sector relies on professional services provided by subsidiaries. The full range of financial products and services provided by giant financial groups in the product sector. Page structure diagram: The product structure is shown in the figure above, and the same functions are represented by the same nouns. The bottom navigation is divided into five sections, in addition to the home page and mine, they are finance, health, and life. It reflects the layout of the APP in these three aspects. Business process level: From the perspective of business process, the business process of customer groups is mainly distinguished in one point, that is, users with insurance policies and users without insurance policies. Uninsured users are divided into four parts: insurance potential customers, comprehensive financial potential customers, common commodity potential customers, and customers who have no desire to buy .

https://www.deschuteslabs.com/blog/outdoor-fitness-forum/2017-annual-comprehensive-analysis-of-china-s-e-commerce

Get a free Auto Insurance Quote at the General About the General The General Automobile Insurance Services, Inc. (The General) is a licensed insurance agency, which affiliates to PGC Holdings Corp. (PGC). It headquarters at 2636 Elm Hill Pike, Suite 510, Nashville, Tennessee 37214. The General is an online auto insurance offer of many financially stable insurance companies including Permanent General Assurance Corporation, Permanent General Assurance Corporation of Ohio, and The General Automobile Insurance Company, Inc. About the Auto Insurance Quote The General offers online auto insurance quotes in a fast and anonymous way. You can get low down payments and flexible payment plans just by entering your ZIP Code. The website also allows you to substantially purchase the auto insurance policy at the rates you like and then get your proof. An auto insurance policy built a contract between you and an insurance company, which will pay for specific car-related financial losses according to the term of the agreement, and in exchange, you pay a premium. You can conveniently get an auto insurance quote with no commitment. The General accepts most cars and drivers even if they have had driving violations, accidents or less than perfect credit. The online service will satisfy your auto insurance needs in a quick and easy way. And it’s completely free! How to Get a Free Auto Insurance Quote at the General? Before you begin, you will need to prepare the following: - A computer with internet access. - Your ZIP Code. - Go to the General website at: www.thegeneral.com/ - Enter your ZIP Code into the required fields and choose your insurance category in the drop-down menu on the left. - Then click on the button marked, “GO.” - If the General doesn’t offer insurance where you live, you will be re-directed to the Progressive website that has partnered with the General to offer you insurance quote. - For further information, refer to the General FAQ at: http://www.thegeneral.com/car-insurance/faq/. The General provides you with a free auto insurance quote with no commitment required. You can quickly get a quote at fairly low price in less than 2 minutes. If you like the rates provided, you can then simply purchase the policy online and get an immediate proof of insurance.

https://www.detailedguidance.com/www-thegeneral-com-get-a-free-auto-insurance-quote-at-the-general/

In 2001, Brazil’s government started a zero-fire policy. Setting fire in conservation areas would be entirely forbidden. The elders at the Xerente Indigenous community, located in the northeastern state of Tocantins, warned that it wouldn’t work. “The old people told us, You are wrong. That fire is a good fire. It doesn't go into the woods, it doesn't burn the tops of the trees, it doesn't kill the animals,” said Pedro Paulo Xerente, an Indigenous Xerente and coordinator of the local fire brigade. With the policy in place, the problems only grew. When the fire caught, it had no barriers to stop it and the intensity of the fires increased rapidly, burning fruit trees, houses, and even generating respiratory problems. Research shows that some biomes evolved in the presence of fire, and therefore, are dependent on it. Most savannas behave this way, mainly in tropical savannas like the Brazilian Cerrado. "The more we protected these areas from fire, at the time a fire started, it would become more and more violent, bigger, and more destructive", says Rodrigo Falleiros, environmental analyst at Prevfogo/Ibama. After poor results, the zero-fire policy was abandoned and since then, the Xerente and Araguaia Indigenous lands have seen a decrease in the number and intensity of major fires in the last six years. Now, they use controlled fires to prevent larger wildfires. “The controlled fire burns slowly, takes time to catch, and goes out in the early evening. We call it ‘cold’ fire. This is the ideal fire management because it shows that nature is in a position to control that fire. All the animals and insects are able to run, the treetops are not burned,” explains Pedro Paulo. But the Xerente Indigenous elders knew this from long ago, knowledge passed down from generation to generation by word of mouth. Falleiros said government authorities didn’t know how to manage the Cerrado. That’s why they started to observe ancient Indigenous practices. He said, Today, the prescribed burning is carried out by the community and Indigenous fire brigade members. From January onwards, the community starts to set fire to selected areas until May. Today there are 22 exclusive firefighters for the Xerente Indigenous Land. As of 2015, there is a reduction in the occurrence of large forest fires and in carbon emissions from these events. The area burned in Xerente territory during the dry season decreased by more than 60%. This has helped the community protect the savannah ecosystem and its biodiversity. One of the challenges is to get all the controlled burning done in time. Today, with all the burnings, only 10 to 15% of the Xerente Indigenous territory can be burned. “The time to carry out the prescribed burnings is short. If we had more resources, more firefighters, and machines, such as cars, we would be able to carry out the prescribed burning in more areas, and we would have a better result,” assesses Xerente.

https://www.oneearth.org/fire-prevents-fire-saving-brazils-savannah-from-destruction/

WEDNESDAY, JUNE 7, 2017 When it comes to boat insurance it's often better to separate your boat policy from your homeowner's policy. Many homeowner's policies do a fine job of covering smaller boats and motors. However, the homeowner's policy has limits for larger more powerful boats. Almost any boat can be insured - for a price. What factors do insurance companies look at? - Age of boat - Type (Inboard, Outboard, performance boat, cruiser, sailboat, yacht, PWC) - Where it is operated (Lakes, bays, rivers, Great Lakes, Ocean) - Condition (Does it meet Coast Guard Standards) There are two types of boat policies - agreed value and actual cash value. How depreciation is handle separates the two. Agreed value covers the boat based on the value when the policy is written. There is no depreciation for a total loss however a partial loss may be depreciated. Actual cash value policy will only pay up to the value of the boat at time of loss factoring in depreciation of the boat. How and where you boat will determine what type of policy you need. Do you pull skiers, wake boarders/surfers? Do you need specialized coverage for navigation equipment, props? As boating season gets going give me a call at 913-948-6575 to review your boat policy needs. NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.

https://www.rcginsure.com/blog/insuring-your-boat.aspx

Jurisdiction risk refers to the potential risks that businesses, investors, or individuals face due to the legal and regulatory environment in a particular country or region. These risks can stem from changes in laws, regulations, or judicial decisions, and they can have a significant impact on the profitability, operations, or value of an investment or business. Jurisdiction risk can take many forms, including: - Legal Risk: This involves changes in the laws of a jurisdiction that may affect a business or investment. For example, changes in tax laws, labor laws, or environmental regulations can increase the cost of doing business or affect the profitability of an investment. - Regulatory Risk: This refers to potential changes in the rules set by regulatory bodies. For instance, a regulatory agency might change its rules about data privacy, which could force a technology company to change its practices, potentially at a high cost. - Political Risk: This can involve changes in the political environment, such as a change in government, that might lead to changes in policy, regulations, or laws. Political instability can also be a source of jurisdiction risk. - Enforcement Risk: This refers to the risk of a jurisdiction enforcing its laws or regulations in a way that negatively impacts a business or investment. For instance, stricter enforcement of environmental regulations could lead to fines or penalties for a manufacturing company. These risks can be managed and mitigated through a variety of strategies, such as diversification, thorough research, consultation with legal experts, and the use of insurance or financial instruments designed to hedge against such risks. Example of Jurisdiction Risk Imagine an international mining company, GoldMine Corp, operates in several countries. It has significant operations in Country A, which is politically stable and has a transparent legal system. However, GoldMine Corp also has mining operations in Country B, which is less politically stable and has a legal system that is not as well-defined or predictable. Suddenly, the government in Country B is overthrown in a coup. The new government is more nationalistic and decides that natural resources, such as gold, should be kept in the hands of the state. As a result, they pass a new law that nationalizes all gold mines. GoldMine Corp’s assets in Country B are seized without compensation. This is a drastic example of jurisdiction risk. The change in government and subsequent change in laws resulted in a significant loss for GoldMine Corp. Even if the new law is later deemed illegal by an international court, the legal proceedings could take years, and there’s no guarantee that GoldMine Corp will be fully compensated for its loss. This example illustrates why companies operating in multiple jurisdictions need to carefully consider and plan for jurisdiction risk. It’s important to monitor the political and legal landscape and consider these risks in business planning and decision-making. There might be a need to diversify operations across multiple countries, seek political risk insurance, or take other steps to mitigate potential risks.

https://www.superfastcpa.com/what-is-jurisdiction-risk/

A few Tesla Cybertrucks were discovered in the wild at California’s Hollister Hills SVRA (State Vehicular Recreation Area). They had RC badging pasted prominently on the sides, front, and also the tailgate. RC means Release Candidate, the closest version that Tesla is going to deliver to customers. Looking closely at the RC label, “RC_Build Engineering Prototype” was written on the labels to elaborate them a little more. These RC Cybertrucks were sighted by multiple Tesla enthusiasts around the recreation facility. The guys did not waste time to put their videos on YouTube (watch below). Tesla employees driving these Tesla trucks hinted that the Cybertruck deliveries are most probably going to start in October. Tesla has already set up the Cybertruck Delivery Event invitation system in its Referral Program but has not announced a confirmed date yet. According to a Tesla employee testing the Tesla pickup trucks, these Cybertruck RCs are driven all the way from Texas to California for off-road testing at the Hollister Hills SVRA, California. One interesting thing in these sightings is a closeup look at the Cybertruck’s new wheel design. These are the 20-inch wheels as per the Tesla employees testing the truck. The design of these wheels looks way better than the ones previously spotted or the original ones hidden under the Cybertruck’s patented wheel covers. Although, these new wheels have been seen on prototypes at Giga Texas before, this time we had a clear look at them in these spottings. Both YouTubers had the chance to take a closer look at the Cybertruck RC engineering prototypes. Testing the Cybertruck for off-road performance before the launch hints that Tesla is tweaking its software to fit the vehicle. Tesla Model Y has an Off-Road Assist Mode designed for it but the Cybertruck’s design requires its own customized software to assist it in off-roading adventures. Tesla employees also demonstrated the air suspension of the Cybertruck. According to @MuddyRuttz, there was a significant differential between the lowest to the highest setting. The lowest setting would help the Cybertruck at the dragstrips and the higher setting would be needed during off-roading on difficult terrains. Another Cybertruck was found parked on the side of the road and a Tesla FSD Beta tester @realwheelieman took a walkaround video of it. Later on, he followed the Cybertruck for a while. The best part in the following videos comes when the Cybertruck uses its 4-wheel steering to take a sharp right turn. The 4-wheel steering enables the large Tesla Cybertruck to have a short and precise turning radius. However, the 4-wheel steering option will only be available in the top-of-the-line Quad-Motor variant of the Cybertruck. Since Tesla produces Cybertrucks in Texas, all of these RC prototypes have native manufacturer license plates. One Cybetruck license plate had the number 6EU-828 and the other one had 6EU-886 suggesting all prototypes have numbers in series. Related Cybertruck News, Videos, and Stories - Vandals fail to break the Cybertruck glass in California — Elon Musk says it’s the finest in apocalypse defense technology - Cybertruck rust or just dust — and how to fix the issue - After China, Cybertruck starts its tour of Japan with a warm welcome - Cybertruck spotted with a large screen mounted on its back displaying ads on public roads (video) - Tesla Cyberbeast achieves amazing real-world 0-60 mph, 1/8, and quarter-mile acceleration figures (videos) - Cybertruck gets its first massive OTA software update version 2024.2.3 (Release Notes), Tesla fixes recall 24V-051, new features, games, more

https://www.teslaoracle.com/2023/09/15/tesla-cybertruck-sighted-off-road-testing-with-new-wheels-deliveries-likely-to-start-in-october/

In today’s digital age, the threat of cyber attacks looms large over businesses of all sizes. As a business analyst, one of the crucial responsibilities is to conduct a cyber risk assessment to ensure the security of the organization’s valuable assets. Just like a captain steering a ship through treacherous waters, a thorough understanding of cyber risk assessment is paramount to navigating the ever-evolving cyber threat landscape. Let’s delve into the intricacies of this process and highlight its importance. Understanding Cyber Risk Assessment Before we delve into the details, let’s define what a cyber risk assessment entails. Think of it as a detective investigating a crime scene – it involves identifying and evaluating potential vulnerabilities, threats, and risks in a company’s digital infrastructure. By conducting a cyber risk assessment, businesses gain insights into their current security posture, allowing them to make informed decisions to strengthen their defense mechanisms. When conducting a cyber risk assessment, it is crucial to consider all aspects of a company’s digital ecosystem. This includes examining the network infrastructure, software applications, hardware devices, and even the human element. Each component can introduce its own unique set of risks and vulnerabilities, requiring a comprehensive approach to assessment. One of the key steps in a cyber risk assessment is identifying potential vulnerabilities. These vulnerabilities can range from outdated software and weak passwords to misconfigured firewalls and unpatched systems. By pinpointing these weaknesses, businesses can prioritize their efforts and allocate resources effectively. Defining Cyber Risk Assessment At its core, cyber risk assessment involves systematically identifying, analyzing, and evaluating potential cyber risks that could impact the confidentiality, integrity, and availability of a company’s sensitive information. It serves as a roadmap, guiding organizations towards implementing effective security measures to mitigate these risks. During the assessment process, it is essential to consider the potential impact of each identified risk. Some risks may have a minimal impact on the business, while others can cause significant financial and reputational damage. By understanding the potential consequences, organizations can prioritize their risk mitigation efforts accordingly. Furthermore, cyber risk assessment is not a one-time event. As technology evolves and new threats emerge, businesses must regularly reassess their risks and adapt their security measures. This ongoing process ensures that organizations stay ahead of potential threats and maintain a robust defense posture. Importance of Cyber Risk Assessment Imagine a business as a fortress, and cyber risk assessment as the shield protecting it from malicious actors. The importance of conducting regular assessments cannot be overstated. By understanding the potential risks and vulnerabilities, companies can proactively address weaknesses, fortify their defenses, and significantly reduce the likelihood of a cyber attack. Additionally, businesses dealing with sensitive customer information have a legal and ethical duty to safeguard data. Conducting a cyber risk assessment satisfies compliance requirements and demonstrates a commitment to protecting customer confidentiality and trust. Beyond legal and ethical considerations, cyber risk assessment also provides a competitive advantage. In today’s digital landscape, customers are increasingly concerned about the security of their data. By demonstrating a proactive approach to cybersecurity through regular assessments, businesses can build trust with their customers and differentiate themselves from competitors. Furthermore, cyber risk assessment can uncover potential cost-saving opportunities. By identifying inefficiencies or redundancies in security measures, organizations can optimize their cybersecurity investments and allocate resources more effectively. In conclusion, cyber risk assessment is a critical process that enables businesses to understand and mitigate potential risks in their digital infrastructure. By conducting regular assessments, organizations can stay one step ahead of cyber threats, protect sensitive information, and build trust with their customers. Steps to Conduct a Cyber Risk Assessment Now that we’ve grasped the essence of a cyber risk assessment, let’s explore the steps involved in conducting one effectively. A cyber risk assessment is a crucial process that helps organizations identify and mitigate potential threats to their digital infrastructure. By conducting a comprehensive assessment, businesses can gain valuable insights into their vulnerabilities and develop strategies to protect their assets. Identifying Assets and Their Value Consider a business as a treasure chest with various valuables inside – the first step of a cyber risk assessment is identifying these assets and determining their value. This includes sensitive data, intellectual property, hardware, software, and even the reputation of the organization. By understanding the value of these assets, businesses can prioritize their protection efforts and allocate resources efficiently. For example, if a company relies heavily on its intellectual property, it may invest more in securing its research and development department. Furthermore, identifying assets and their value allows organizations to assess the potential impact of a cyber attack. For instance, a data breach could result in financial losses, damage to reputation, and legal consequences. Identifying Threats and Vulnerabilities Just like a building with weak foundations is susceptible to collapse, a network with vulnerabilities is a prime target for cybercriminals. During this stage, cyber risk assessors identify potential threats and existing vulnerabilities in the digital infrastructure of the organization. These threats could be external, such as hackers, or insider threats originating from within the organization. By discovering vulnerabilities and assessing their potential impact, organizations can take proactive measures to fortify their defenses. This may involve implementing patches and updates, conducting penetration testing, and educating employees about cybersecurity best practices. Moreover, identifying threats and vulnerabilities allows organizations to stay one step ahead of cybercriminals. By understanding the tactics and techniques used by hackers, businesses can develop effective countermeasures and improve their overall security posture. Assessing Impact and Likelihood of Risks The next step in a cyber risk assessment is evaluating the potential impact and likelihood of identified risks. This involves analyzing the vulnerabilities, threats, and existing security measures to determine the probability of an attack and the potential consequences. Similar to a meteorologist predicting a storm’s severity, assessing the impact and likelihood of risks enables organizations to allocate resources effectively and implement appropriate security controls. For example, if a particular vulnerability poses a high risk with severe consequences, organizations may prioritize its mitigation and invest in advanced security solutions. Furthermore, assessing the impact and likelihood of risks helps organizations develop incident response plans. By understanding the potential consequences of a cyber attack, businesses can establish protocols and procedures to minimize damage, facilitate recovery, and ensure business continuity. In conclusion, conducting a cyber risk assessment is a vital step in safeguarding an organization’s digital assets. By following these steps and continuously reassessing their cybersecurity posture, businesses can stay resilient against evolving cyber threats. Key Elements of a Comprehensive Cyber Risk Assessment Now that we’ve explored the steps involved in conducting a cyber risk assessment, let’s delve into the key elements that constitute a comprehensive assessment. Think of risk identification as mapping the battlefield. By comprehensively identifying potential risks, cyber risk assessors can gain a clear overview of the possible threats that need to be countered. This includes known vulnerabilities, emerging risks, and industry-specific threats. Through meticulous risk identification, organizations can develop strategies to prevent attacks and mitigate potential damages. Similar to a chess grandmaster analyzing every move, risk analysis involves a thorough examination of identified risks. This includes assessing the vulnerabilities, potential impacts, and the likelihood of attacks. By conducting an in-depth risk analysis, organizations can make informed decisions and devise targeted mitigation strategies tailored to their unique risks and requirements. Imagine a board of judges scoring a gymnast routine, risk evaluation involves assigning a level of risk to each identified threat. This includes assessing the significance of the potential impact, the likelihood of occurrence, and the effectiveness of existing security controls. Through risk evaluation, organizations can prioritize their efforts and resources, focusing on addressing the most critical risks first. Challenges in Conducting Cyber Risk Assessment Despite the undeniable importance of cyber risk assessment, it is not without its challenges. Let’s explore some of the hurdles organizations may encounter along the way. Rapidly Evolving Cyber Threat Landscape Think of the cyber threat landscape as a rapidly mutating virus. Cybercriminals continuously adapt their attack tactics, exploiting newly discovered vulnerabilities. This dynamic nature poses a challenge for organizations, as they need to stay abreast of emerging threats and constantly update their risk assessment strategies. By employing threat intelligence and collaborating with cybersecurity experts, organizations can stay one step ahead of attackers. Lack of Standardized Methodologies Imagine a puzzle with scattered pieces; the lack of standardized methodologies in cyber risk assessment can make it difficult for organizations to conduct comprehensive assessments. The absence of a unified approach hinders effective comparisons and benchmarking. To overcome this challenge, organizations can leverage industry best practices and frameworks, such as NIST Cybersecurity Framework or ISO 27001, to establish a structured and standardized approach. Just as a marathon runner faces physical limitations, organizations often encounter resource constraints when conducting cyber risk assessments. Limited budgets, time constraints, and shortage of skilled cybersecurity professionals can hinder organizations from conducting thorough assessments. However, by prioritizing and allocating resources judiciously, organizations can optimize their cyber risk assessment efforts. In conclusion, conducting a cyber risk assessment is a pivotal step in ensuring the cybersecurity and resilience of an organization. By understanding the intricacies of this process, business analysts can help businesses navigate the dynamic cyber landscape, identify and mitigate potential risks efficiently, and fortify their defenses against ever-evolving threats. Just like a well-prepared captain guiding a ship through stormy waters, conducting a cyber risk assessment empowers organizations to steer clear of cyber threats and safeguard their valuable assets.

https://easyba.co/blog/business-analysis/risk-assessment/conducting-a-cyber-risk-assessment-what-you-need-to-know/

Geoff is a legal director based in Manchester. Having qualified in 2009, Geoff has over ten years’ experience in his focus areas of professional negligence and coverage disputes. Geoff cut his teeth on the solicitors’ and valuers’ lenders claims in the early 2010s. Since then, he has had a very wide experience of defending professional negligence claims, including those against non-traditional “professions” such as court experts, safety consultants, estate agents, mortgage brokers, trade unions and universities. However, Geoff’s bread and butter remains claims against traditional professions, namely solicitors, surveyors, insurance brokers and accountants. Since qualification, Geoff has also advised regularly on policy coverage issues and this work now represents over 50% of his practice. Geoff advises insurers in relation professional indemnity / errors and omissions (E&O) policies, reinsurance, employers’ liability / public liability (EL/PL), directors’ and officers’ liability (D&O) and cyber, across industry sectors such as the traditional and new professions, technology and media. As well as advising on policy interpretation, Geoff has also drafted policies and has acted for insurers in many arbitrations. Geoff also has an increasing practice in defending claims for breach of the Data Protection Act, misuse of private information and breach of confidentiality. - Recommended lawyer for 'Professional negligence (North West)' The Legal 500 UK 2024 - Acted for solicitors’ practice in defending a claim and successfully contesting the claimant lender’s application to discontinue the claim without the usual order for costs, meaning that the firm was awarded substantial costs. - Providing advice to excess layer insurers in relation to coverage issues arising from several hundred property investment claims against a firm of solicitors amounting to over £20 million. - Advising insurers on D&O policy coverage issues arising from a substantial claim relating to a digital coin offering by an Israeli company. - Advising insurer on and drafting changes to cyber risks policy. - Advising insurer on policy issues relating to a high street bank’s very substantial data breach due to an unsuccessful IT system migration.

https://kennedyslaw.com/en/our-people/people/manchester/geoffrey-shreeve/

Many individuals view life risk insurances as something very low down on the financial priority list – only really considering it after a major life event occurs (such as a new mortgage or the birth of a child). However, leaving it too long may cost your future self (or your children) money and potential difficulties. So before you step into 2017 full of ambition and determination to make it your best financial year yet, now may be a good time to consider getting your basic protection strategy down pat, and understand how life insurance could influence your financial future. So what is the value of purchasing life insurance sooner rather than later? Save money in the long run When purchasing life risk insurances (death, total & permanent disability, trauma & income protection), the cost is dependent on a number of factors such as age, sex, occupation, smoking status, income, sum insured and, of course, your broader health. All else being equal, the younger you are, the cheaper the premiums will be and the more likely you are to obtain cover on standard rates and terms. Premiums will rise as you age and if you develop health issues. So while you are younger and less likely to have any pre-existing medical conditions, it may be a sensible strategy to consider your life risk insurance position as you can potentially lock in an age based premium rate which will be much cheaper than if you wait until you’re older. Equally, if you are a retiree with adult children, it is important you have the risk insurance discussion with your children (or even take out a policy on behalf of them) so if a disablement event occurred to one of your children, like a motor accident or a major illness, it wouldn’t impact your lifestyle in retirement or become a financial burden. Costs of part time care for a loved one can stress out even the most well intentioned retirement income strategy ($27,000 + per annum). When taking out life insurance, you can typically choose between two types of premiums: 1. Stepped premiums – this premium type increases each year as you get older and according to your circumstances. While this option will be more affordable in the short-term, it will increase each year and become costly in the medium to long run. 2. Level premiums – this premium type provides you the option to lock in your age based rate at inception. Initially, level premiums will generally be more costly than stepped premiums, however it can save you money in the long run. To help you compare the long run costs of stepped vs. level premiums, we thought it best to include a case study. Felicity Jolly is a 28 year old non-smoking Sales Manager who requires $300,000 of life, total and permanent disablement and trauma insurance. She envisages needing to hold this cover into her late 50s and so she wants to understand her options regarding the long run cost of cover. The stepped premium vs. level premium comparison reveals the following: Initially, Felicity would pay roughly $1,000 per year if she chose level premiums or $600 per year under a stepped premium structure. However, by the time Felicity turns 58, she would have spent $191,979 via a stepped premium structure whereas with level premiums, she would only have spent $65,951 (saving $126,028 over the 30 years she chose to hold the policy). This shows how important it is to consider obtaining life insurance early and the merit of considering level premiums over stepped premiums for your long run needs. As your circumstances change, so too will the price and your eligibility for life insurance. Depending on your health, you may not be eligible for life insurance later on in life. If you purchase life insurance at a younger age, you are far more likely to be accepted at standard rates and terms compared to someone much older. It is impossible to know what the future holds and while you and/or your adult children might be in a good health condition now, no one is immune to illness or injury and no one can stop the age clock. It is worth taking care of potential future life insurance needs sooner rather than later. We are here to help if you would like some assistance in determining whether life insurance could add value to your financial plan or if you need a hand navigating through different life insurance options for yourself or your adult children. Please don’t hesitate to contact us on (07) 3391 5055 or write to us at firstname.lastname@example.org. Disclaimer: This article contains general information only and is not intended to constitute financial product advice. Any information provided or conclusions made, whether express or implied, do not take into account the investment objectives, financial situation and particular needs of an investor. It should not be relied upon as a substitute for professional advice.

https://mgdwealth.com.au/retirement-risk-cost-underinsured-adult-child/

In the unpredictable journey of life, unforeseen events can cast a shadow over the sanctuary we call home or the spaces where we conduct our businesses. That’s where the guardian angel called “Property Insurance” steps in. In this guide, we’ll unravel the mysteries surrounding property insurance, exploring its types, coverage components, factors influencing premiums, and essential tips for securing the right protection. I. Understanding Property Insurance A. Definition of Property Insurance Property insurance is like a safety net for your belongings. It’s a shield that helps you recover when unexpected events like fires, thefts, or natural disasters strike, providing financial support to repair or replace damaged property. B. Importance of Property Insurance for Individuals and Businesses Whether you own a cozy home or run a bustling business, property insurance is a must. It’s not just about protecting physical structures; it’s about securing your peace of mind and ensuring you can rebuild when the unexpected happens. C. Overview of Different Types of Property Insurance Property insurance comes in various flavors to suit different needs. We’ll explore commercial property insurance, property owners insurance, unoccupied property insurance, and personal property insurance to understand how each caters to specific situations. II. Types of Property Insurance A. Commercial Property Insurance - Protecting Business Assets For business owners, commercial insurance is a knight in shining armor. It covers everything from buildings to equipment and inventory, ensuring that the wheels of commerce can keep turning even after a setback. - Coverage for Buildings, Equipment, and Inventory Diving deeper, this coverage extends beyond brick and mortar. It safeguards the very essence of your business – the physical assets like buildings, machinery, and the goods you’ve worked hard to accumulate. B. Property Owners Insurance - Safeguarding Rental Properties Property owners insurance is the trusted ally for those who rent out spaces. It shields landlords from potential financial hits by covering damages to the property caused by tenants or unforeseen events. - Liability Protection for Property Owners Beyond physical protection, property owners insurance also provides a safety net against legal woes. If someone gets injured on your property and decides to take legal action, this coverage has your back. C. Unoccupied Property Insurance - Understanding the Risks of Unoccupied Properties Empty spaces have their own set of risks – from unnoticed damages to unwelcome guests. Unoccupied property insurance addresses these unique challenges, ensuring that even when your property is vacant, it’s still protected. - Specialized Coverage for Vacant Properties This type of insurance isn’t one-size-fits-all. It’s tailored to the specific risks associated with vacant properties, offering a cost-effective solution for property owners facing temporary vacancies. D. Personal Property Insurance - Coverage for Personal Belongings On the home front, personal property insurance steps in. It shields your cherished possessions, from furniture to gadgets, ensuring that the memories you’ve collected over the years are protected. - Importance for Homeowners and Renters Whether you own a home or rent, personal property insurance is your safeguard. Homeowners can protect their castle, while renters can ensure their belongings are covered in their temporary abode. III. Coverage Components in Property Insurance A. Building Coverage - Protection for Physical Structures Building coverage is the foundation. It protects the physical structures on your property, from the roof over your head to the walls that keep you safe. - Rebuilding Costs and Replacement Value Understanding the nuts and bolts of building coverage involves grasping rebuilding costs and replacement value – ensuring you have the financial support needed to rebuild or repair. B. Contents Coverage - Safeguarding Personal Belongings Contents coverage takes care of what’s inside. It ensures that your personal belongings – from furniture to clothing – are protected against the unexpected. - Inventory and Valuables Protection For businesses, contents coverage extends to inventory and valuable assets. It’s about more than just replacing items; it’s about preserving the heartbeat of your business. C. Liability Coverage - Protection Against Lawsuits Liability coverage is the unsung hero. It steps in when legal storms brew, covering legal defense costs and settlements in the event someone gets injured on your property. - Personal and Business Liability Insurance For individuals and businesses alike, liability coverage is versatile. It can protect you personally or shield your business from the financial fallout of legal battles. IV. Factors Influencing Property Insurance Premiums - Geographic Influence on Premiums Where you’re situated matters. Locations prone to certain risks, like floods or wildfires, may have higher premiums due to increased exposure. - Proximity to Risks and Hazards Not only your general location but also your proximity to specific risks or hazards can influence premiums. Living near the coast might mean higher premiums due to hurricane risks, for example. B. Property Type - Residential vs. Commercial Property Premiums The type of property you’re insuring is a significant factor. Residential and commercial properties have different risk profiles, impacting the cost of insurance. - Unique Considerations for Different Property Types Understanding the nuances of your property type helps in estimating risks accurately. From a cozy home to a bustling office, each comes with its own set of considerations. C. Security Measures - Impact of Security Systems on Premiums Insurance providers love security measures. Installing alarms, surveillance systems, and sturdy locks can lower premiums by reducing the likelihood of theft or vandalism. - Importance of Protective Measures Investing in protective measures isn’t just about peace of mind; it’s about saving money in the long run. Insurance providers reward proactive steps to secure your property. V. Choosing the Right Property Insurance A. Assessing Coverage Needs - Evaluating Property Value Understanding the value of your property is the first step. Assessing its worth ensures you’re not over or under-insuring, striking a balance that fits your needs. - Understanding Specific Risks Every property is unique, and so are its risks. Tailoring your insurance to address specific threats ensures you’re not caught off guard when the unexpected strikes. B. Comparing Insurance Providers - Researching Reputable Insurance Companies Not all insurance providers are created equal. Researching their reputation, customer reviews, and financial stability helps you choose a reliable partner. - Reading Reviews and Seeking Recommendations The experiences of others can be valuable guides. Reading reviews and seeking recommendations from friends or colleagues provides insights into the service and reliability of insurance providers. C. Customizing Policies - Tailoring Coverage to Individual or Business Needs Off-the-shelf solutions might not cut it. Customizing your policy ensures that it aligns perfectly with your individual or business needs, leaving no gaps in protection. - Adding Optional Coverages for Enhanced Protection Optional coverages are like extra layers of armor. They provide additional protection for specific risks that might not be covered in standard policies. VI. Claims Process in Property Insurance A. Reporting a Claim - Timely Reporting for Swift Response When the unexpected happens, reporting a claim promptly ensures a swift response from your insurance provider, initiating the claims process. - Information and Documentation Requirements Being prepared with necessary information and documentation expedites the claims process. Details about the incident and proof of damages are vital. B. Claim Investigation - Assessment of Damages Insurance providers conduct thorough investigations to assess the extent of damages. Understanding this process ensures a smoother claims experience. - Cooperation with Insurance Adjusters Cooperating with insurance adjusters is crucial. They play a key role in determining the validity of your claim and the compensation you’re entitled to. C. Claim Settlement - Receiving Compensation for Losses The ultimate goal of the claims process is to receive compensation for losses. Understanding the settlement process ensures you get the support you need to repair or replace damaged property. VII. Common Misconceptions about Property Insurance A. “All Risks” vs. Named Perils Coverage - Clarifying Coverage Scope Understanding the difference between “all risks” and named perils coverage ensures you know exactly what events are covered by your policy. - Understanding Limitations in Policies No policy is limitless. Knowing the limitations of your coverage helps manage expectations and avoid surprises when filing a claim. B. Market Value vs. Replacement Cost - Distinction Between Property Values Understanding the difference between market value and replacement cost is essential. One reflects the property’s current market value, while the other covers the cost of rebuilding or replacing. - Impact on Premiums and Coverage Choosing between market value and replacement cost affects both premiums and the level of coverage. Each option comes with its own set of considerations. C. Liability Coverage for Personal Property - Addressing Misunderstandings about Liability Liability coverage extends beyond personal injuries. It also protects against damage caused by your personal property, such as water leaks or fires. - Importance of Separate Liability Coverage While liability coverage is a hero in property insurance, it’s essential to recognize when separate liability coverage might be needed for specific situations. VIII. Special Considerations for Unoccupied Properties A. Risks Associated with Vacant Properties - Vandalism and Theft Concerns Unoccupied properties face unique risks, such as vandalism and theft. Understanding these risks helps in selecting appropriate coverage. - Challenges in Detecting Damage Identifying damages in vacant properties can be challenging. Being aware of this difficulty ensures that you choose coverage that addresses these challenges. B. Unoccupied Property Insurance Features - Tailored Coverage for Vacancy Unoccupied property insurance isn’t a one-size-fits-all solution. It’s tailored to the specific challenges of vacancy, providing the right coverage when you need it most. - Cost-Effective Solutions for Property Owners Property owners facing temporary vacancies can find cost-effective solutions in unoccupied property insurance, ensuring they’re not paying for coverage they don’t need. IX. Personal Property Insurance for Homeowners and Renters A. Homeowners Insurance - Protecting Dwellings and Personal Belongings Homeowners insurance is a comprehensive package that safeguards both your dwelling and personal belongings. It’s about more than just protecting your home; it’s about securing your lifestyle. - Additional Coverages for Homeowners Beyond the basics, homeowners insurance offers additional coverages for specific risks. Understanding these options ensures your policy aligns with your unique needs. B. Renters Insurance - Coverage for Personal Possessions in Rental Units Renters insurance is the unsung hero for those who don’t own the place they call home. It protects personal possessions within rental units, offering a safety net for renters. - Liability Protection for Renters Liability protection extends to renters as well. If a mishap occurs in your rented space and you’re held responsible, renters insurance can provide the financial support you need. X. Tips for Cost-Effective Property Insurance A. Bundling Policies - Combining Property and Liability Coverage Bundling policies is like getting a two-for-one deal. Combining property and liability coverage not only simplifies management but can also lead to cost savings. - Cost Savings and Simplified Management The financial perks of bundling policies go hand in hand with simplified management. Having all your coverages under one roof makes life easier and more cost-effective. B. Risk Mitigation Measures - Implementing Safety Measures Proactive steps toward risk mitigation don’t just prevent losses; they can also lower your insurance premiums by making your property less risky. - Impact on Premiums and Long-Term Savings Investing in safety measures isn’t just an upfront cost; it’s a long-term investment that pays off in reduced premiums and potential savings down the line. C. Regular Policy Reviews - Periodic Assessment of Coverage Needs The world around us changes, and so do our needs. Periodically assessing your coverage ensures that your policy evolves with you, providing ongoing protection. - Adjusting Policies to Reflect Changes Life is dynamic. Changes in your property, lifestyle, or business should be reflected in your insurance policies. Regular reviews ensure that your coverage remains relevant. A. Recap of Key Points We’ve embarked on a journey through the intricate landscape of property insurance, unraveling its types, coverage components, and factors influencing premiums. Let’s recap the key points that will empower you to make informed decisions about protecting your home or business. B. Emphasizing the Importance of Adequate Property Insurance Property insurance isn’t just a financial safety net; it’s the guardian that ensures you can rebuild and recover when life throws a curveball. Adequate coverage is not a luxury but a necessity for securing your peace of mind. C. Encouragement for Regular Evaluation and Updates to Ensure Ongoing Protection The journey doesn’t end here. As you navigate the twists and turns of life, regular evaluation and updates to your property insurance ensure that you stay well-equipped to face whatever challenges come your way. Remember, your insurance journey is a dynamic one – let it evolve with you.

https://redgif.co.uk/unlocking-the-secrets-of-property-insurance/

In a world where gaming has become an integral part of leisure and entertainment, access to an expansive and unrestricted game library is a treasure. Unblocked Games Premium emerges as a solution, offering players a seamless way to indulge in gaming without constraints. In this article, we delve into the realm of Unblocked Games Premium, unraveling the perks, the games, and the experience that makes this platform a go-to choice for gamers. Unblocked Games Premium: A Playground Without Boundaries Unblocked Games Premium presents an intriguing concept—a platform that grants players unrestricted access to a wide array of games. Whether you’re a casual gamer or a dedicated enthusiast, this premium platform promises an experience that transcends traditional limitations. The Spectrum of Games 1. Diverse Genres Unblocked Games Premium boasts a collection of games that spans diverse genres—ranging from action-packed adventures to mind-bending puzzles and everything in between. 2. Classic and Contemporary From beloved classics that evoke nostalgia to the latest releases that keep you on the cutting edge of gaming, the platform bridges the gap between generations. 3. Educational and Entertaining Unblocked Games Premium offers not only entertainment but also educational games that engage players’ minds and skills while they have fun. Benefits of Unblocked Games Premium 1. Unrestricted Access The core benefit is the freedom to play without restrictions. Unblocked Games Premium removes barriers, allowing players to explore and enjoy a wide selection of games. 2. No Interruptions Say goodbye to intrusive ads and interruptions. With Unblocked Games Premium, your gaming experience remains smooth and uninterrupted. 3. Seamless Platform Unblocked Games Premium is designed for user convenience. The platform offers a seamless and user-friendly interface that enhances the overall gaming journey. 4. Cross-Device Compatibility Play your favorite games across different devices, from laptops to tablets and smartphones. Unblocked Games Premium adapts to your preferences. Q: Is Unblocked Games Premium suitable for all ages? A: Yes, Unblocked Games Premium offers a diverse range of games that cater to players of all ages and interests. Q: How can I access Unblocked Games Premium? A: Unblocked Games Premium can typically be accessed through a subscription, providing users with unlimited gaming privileges. Q: Are multiplayer games available on Unblocked Games Premium? A: Yes, Unblocked Games Premium often includes a selection of multiplayer games, allowing players to connect and compete with friends and players worldwide. Q: Can I play Unblocked Games Premium offline? A: Depending on the platform’s features, some games on Unblocked Games Premium may support offline play, while others require an internet connection. Unblocked Games Premium transforms the gaming landscape by offering players a gateway to a vast realm of entertainment without limitations. Whether you’re seeking to revisit classic titles or explore new horizons in gaming, this premium platform invites players to dive in and immerse themselves in a world of excitement. With an expansive library, seamless experience, and the freedom to play, Unblocked Games Premium elevates your gaming journey to new heights.

https://techrapro.com/unblocked-games-premium/

Mining & Energy We will leave no stone unturned in assessing the risks and preparing the right coverage mix for our mining, oil & gas, and energy clients. Across Canada, opportunities are abundant in the mining and energy sectors. These industries are highly regulated and full of risks that can expose your business to costly losses without the proper insurance protection in place. Exploration companies often have unique worldwide coverage implications in remote areas or foreign jurisdictions. Production companies or service contractors have specialized need for their pollution, general liability and equipment coverage. How We Help At Brownridge Insurance, we understand the demanding and complex nature of the mining & energy industries. Contractors and subcontractors in this field often have a broad range of contractual insurance obligations in order to get on site to conduct their services. Our Commercial advisors and support staff always provide professional, timely advice on contract reviews and insurance certificate requirements, so that your operations can move forward unhindered. Our office works closely with our clients to ensure competitive the placement of comprehensive insurance programs while working closely with the management team as a trusted advisor. With access to specialty markets that target and support these industries, you can place your trust in Brownridge Insurance to provide an industry-leading insurance solution. - Commercial General Liability - Pollution Liability / EIL Coverage - Kidnap & Ransom Coverage - International Admitted Placements - Business Interruption - Cargo Coverage - Directors & Officers Liability - Equipment Breakdown Coverage including Production Machinery - Course of Construction - Wrap Up Liability - Mineral Exploration Companies - Mine Operators - Mining Subcontractors - Energy Consultants - Drilling & Blasting Contractors - Oil & Gas Exploration - Oilfield Service Contractors - Wind & Renewable Energy Providers / Contractors

https://www.brownridgeinsurance.com/commercial-overview/industries/mining-and-energy/

IN PICS: About 100 homes destroyed as fire rips through Langa informal settlement Although 12 fire engines and four water tankers were on the scene, it took hours to extinguish the fire A devastating fire destroys shacks in Langa on 16 April 2022 in Cape Town, South Africa. Photo by Gallo Images/Grant Pitcher A fire broke out on Saturday evening in Langa’s Joe Slovo informal settlement, with around 100 homes thought to be damaged by the blaze. Dr Zahid Badroodien, Cape Town’s MMC for Water and Sanitation, said the blaze was contained just before 9pm on Saturday night. “It is estimated that about 100 structures are damaged,” said Badroodien. He said the fire and emergency services had stayed on scene at the Joe Slovo informal settlement to deal with any flare-ups of the flames. The fire was reported just before 6pm. Badroodien said 12 fire engines and four water tankers were deployed to deal with the blaze. It took hours to extinguish the flames. A video from GroundUp showed residents forming a chain with buckets of water, desperately trying to douse the flames. Others were frantically trying to salvage what they could from their belongings before the fire caught their home. Some could be seen just standing on their roofs and surveying the damage being done. The cause of the fire is unclear. No injuries or deaths have been reported. The South African Social Security Agency (Sassa) was also at Langa to assess how many families are affected by the fire and what aid is needed to help those that lost their homes.

https://www.citizen.co.za/news/south-africa/in-pics-fire-langa-informal-settlement/

Fraud Detection Certification All businesses should have in place a set of policies and procedures that deter people from committing fraud. Unfortunately, fraud remains a common problem across many industries. The financial sector is particularly vulnerable to these crimes. Fortunately, there are many steps you can take to prevent fraud and minimise the damage if a crime has already occurred. In this course, you will learn the underlying principles of fraud detection, what fraud detection looks like in practice and the most common challenges people investigating suspected fraud tend to encounter. You Will Learn: - Why fraud detection is important and why learning how to spot patterns is an essential skill in investigating fraud - How to look for clues that may point to future instances of fraud - How to identify anomalies in records and processes by analysing data - The challenges that face data auditors when trying to identify fraudulent activity and how to use analytics to identify red flags - How to detect credit card fraud using decision trees and algorithms Benefits of Taking This Course: - Anyone who owns a business or occupies a senior position will benefit from this course, as it contains essential information that will help guard a company against fraud. - If you are an employee, knowing how and why fraud occurs will help you play your role in flagging anomalies, which could ultimately save your company a lot of time and money. - If you are responsible for recruiting new employees, this course will help you take their financial background into consideration when deciding whether to make an offer. - If you are interested in criminal law, this course will provide you with a useful insight into fraud and fraud detection.

https://www.cumbriafiresafetytraining.co.uk/product/fraud-detection-certification

In this era of online convenience, finding affordable flight deals has become a breeze with just a few clicks. Yet, the expertise of a travel agent goes beyond mere cost savings. These professionals often secure exclusive deals from hotels and tour operators, leveraging their connections for negotiated benefits. If you’re an international traveler departing from London, especially from airports like London Stansted or London Gatwick, employing a reliable travel agent can significantly enhance your travel experience. Navigating unfamiliar destinations, especially as a first-timer, can be overwhelming. A dependable travel agent becomes a valuable ally in planning and managing your trip, streamlining the flight booking process. Let’s explore the compelling reasons to opt for a travel agent when booking your flights from London. 1. Access to Exclusive Deals: Contrary to common belief, travel agents often provide better deals compared to online platforms. With access to exclusive offers from hotels and tour operators, they can unlock discounts that may elude the average traveler browsing the internet. 2. Cost-Effective and Time-Saving: Choosing a travel agent over online booking not only proves cost-effective but also time-efficient. Travel agents possess insights into airline discounts, promotional codes, and coupons that may not be readily available online. By leveraging their expertise, you not only save money but also precious time that would otherwise be spent scouring the internet for the best deals. 3. Transparent Pricing: Many reputable travel agents operate with transparency, ensuring no hidden fees surprise you later. Some agents even earn their commissions directly from suppliers, meaning you may not incur additional charges. This transparency adds to the peace of mind when booking flights through travel agents. 4. Comprehensive Booking Options: Beyond flight reservations, travel agents offer comprehensive tour packages. Whether you need accommodations, guided tours, cruises, or adventure itineraries, a travel agent can handle it all. Need affordable lodgings at your destination? Simply consult your travel agent. Additionally, they can assist with last-minute flight bookings in case of emergencies. 5. Insurance Coverage: An often-overlooked benefit is the inclusion of insurance options. Travel agents can guide you to the best travel insurance policies, covering medical emergencies and trip cancellations based on your unique travel plans, health considerations, and chosen destinations. 6. 24/7 Availability: The convenience of round-the-clock availability sets travel agents apart. Being accessible 24/7, they can promptly address your queries, facilitate bookings, and resolve any issues, providing a hassle-free experience compared to dealing directly with major airlines. In a world dominated by travel websites and apps, the enduring preference for travel agents persists. If you’re ready to experience the advantages of booking your international flights through a travel agent, reach out to Correct Travel at 0800 151 2393 (REF 9309) or submit an inquiry on their website at https://correcttravel.co.uk/. Their services include special arrangements such as seat preferences, special meals, airport pickups, hotel accommodations, car rentals, and more, ensuring a tailored and stress-free travel experience.

https://www.limotravel.xyz/the-advantages-of-choosing-a-travel-agent-for-your-flight-reservations/

What is a Top-Up Plan? For snowbirds and other travellers who spend extended periods of time outside their home province, top-up plans can be a flexible, cost-effective part of your travel medical insurance coverage. Top-up plans allow you to add extra coverage days to your travel medical insurance policy if you plan on being away for longer than the coverage period provided by your policy. For example, if your original policy covers you for 30 days and you plan on being away for 45 days, you can “top up” your original policy by purchasing a 15-day top-up plan to cover the additional days, effectively providing you with coverage for the full 45-day duration of your trip. We offer flexible top-up plans that let you choose the number of additional coverage days you require. This differs from some other policy providers who require you to purchase top-up plans with a pre-defined number of coverage days (i.e. 5, 10, 15, etc…) that may not meet your specific needs. When Are Top-Up Plans Helpful? Top-up plans can be useful for adding additional coverage days to the following types of travel medical insurance plans: - Annual multi-trip travel insurance plans – These plans cover you for unlimited trips over a full year but limit the number of days per trip you can spend outside your province. Top-up plans can help if you want to spend more time away on a particular trip than your original plan allows. - Single trip travel insurance plans – These plans cover you for a specific number of days with a defined start and end date. Most travellers who top up a single trip plan do so because their travel plans have changed after they purchased their original policy, requiring them to extend the length of their original trip. - Credit card or group benefit plans – These plans limit the number of days you are covered for. A top-up plan can help extend your coverage period. Be aware that some restrictions may apply when topping up (see below). When Should You Purchase a Top-Up Plan? Ideally, its best to purchase a top-up plan at the same time you purchase your travel medical insurance plan, as this will allow you to compare multiple coverage options and find the combination that provides the best coverage with the lowest premium. However, we understand that this isn’t always practical, as you may not know your exact travel dates when purchasing your travel insurance policy, your travel plans may change after the fact, or you may be topping up coverage from a credit card or benefits plan. Accordingly, you can purchase a top-up plan at any time, subject to the following requirements: - The coverage from your original insurance policy is still active at the time you top-up - There have been no changes to your medical condition since you purchased your original policy - You have not submitted a claim under your original policy How Do I Purchase a Top-Up Plan? If you wish to purchase a top-up plan, please call one of our agents. They will be able to evaluate your current policy and determine which top-up plan would be most appropriate and cost effective for you. Can I Purchase A Top-Up Plan for Travel Insurance Purchased Elsewhere? In many cases, our top-up plans can be combined with travel medical insurance policies you have obtained from other sources, such as another broker, a credit card or a group benefits program. However, in some cases, your travel insurance provider may not allow you to use third-party top-up plans. If you are interested in one of our top-up plans for a policy you obtained elsewhere, please contact one of our insurance agents to help you determine if your policy is eligible. How Much Do Top-Up Plans Cost? Top-up plan pricing is determined based on a number of factors, including your age, health and the total combined number of consecutive days you intend to spend outside your home province.

https://www.snowbirdadvisorinsurance.ca/travel/top-travel-medical-insurance-snowbirds-and-seniors

Brett Bundale THE CANADIAN PRESS Travel industry experts are warning Canadians to double check their insurance coverage before embarking on a trip this holiday season amid tightening travel restrictions. Holiday travel has been upended by the latest COVID-19 variant sweeping the globe, prompting some travellers to postpone or cancel trips. For those determined to travel, experts say renewed travel advisories may have altered their insurance coverage. “Travellers who don’t check with their insurance provider before leaving the country may end up stranded,” said Martin Firestone, president of Toronto-based Travel Secure Inc. “You don’t want to wait until you file a claim to find out you don’t have coverage.” Certain plans specifically exclude some coverage as a result of the advisory, he said. “You’ve got to check and see whether the travel advisory negates potential coverage for COVID-19,” he said. “If it did, you’ve got to run quickly to get either a rider to cover COVID-19 or find a new provider.” Some policies may offer a so-called rider, an insurance plan add-on that offers optional extra coverage for COVID-19 medical and quarantine expenses, Firestone said. Omar Kaywan, co-founder of Vancouver-based Goose Insurance, said so far most of the company’s clients are continuing with their travel plans. “Our customers still want to go,” he said. “There’s pent-up demand and revenge travel is still happening.” The No. 1 concern among travellers today is whether their insurance could be voided if the federal government continues to raise the travel advisory level, Kaywan said.. The answer to that question depends on their policy, he said. “If you are purchasing with us, we have a COVID-19 specific policy,” Kaywan said. “It’s a great add-on to some of those legacy policies that wouldn’t offer you COVID-19 coverage.” For travellers who are on the fence about buying travel insurance, Kaywan said it’s a fraction of the overall cost of a trip and an essential investment during a pandemic. “Travel insurance is not that expensive. I think that’s a misconception.” The federal government cautions travellers to verify the terms, conditions, limitations, exclusions and requirements of an insurance policy before leaving Canada. “If you have to travel abroad during the COVID-19 pandemic, know that your ability to obtain individual travel health insurance where we advise against non-essential travel may be limited,” the government says on its website.

https://www.sylvanlakenews.com/news/experts-say-travellers-should-check-insurance-coverage-twice-amid-changing-rules-6591428

By Atty. Christopher Cramer It is Saturday evening and you are on your way to meet your friend for dinner. While stopped for a red light, an uninsured driver slams into the rear of your vehicle. Immediately, you are in pain and swept away from the scene by an ambulance. The pain you feel turns out to be a serious injury, which is going to require months of care and treatment. With this weighing heavily on your mind, you find out that the person who hit you failed to obtain any automobile insurance to cover your bills, damages, and losses. Fortunately for you, however, you did have automobile insurance which included uninsured/underinsured motorist coverage to help protect you in this very situation. On today’s roads, there are many drivers who have no insurance or have inadequate insurance. With uninsured/underinsured motorist coverage, you are able to file a claim with your own insurance company for those benefits. Uninsured motorist coverage is triggered when you are hit by another driver who has no insurance and is at fault for the accident. There are also times when a person can be in an accident with another driver who, in Connecticut, has the state minimum coverage of 20/40 ($20,000.00 per person/$40,000.00 per accident—which really means the insurance company does not have to pay more than $20,000.00 to one person and more than $40,000.00 for multiple claimants for the entire accident). Depending on the injuries, a 20/40 policy (or more) may be inadequate to afford you the proper coverage and compensation. Underinsured motorist coverage would be triggered as long as your policy limits are greater than those of the person who hit you. In my career, I have been asked many times by my clients whether pursuing an uninsured/underinsured claim through their insurance would raise their rates. My typical response is that the reason they pay for this coverage is for these exact reasons as described above. The coverage is there to protect them from people who are not properly insured, and their insurance rates should not rise simply by pursuing these types of claims. There are also a lot of drivers who may not know what coverage they have, or if the coverage is adequate enough. If you are one of those drivers, now is a great time to contact your insurance company or pull your policy to review what coverage you do have. Do you have a 20/40 uninsured/underinsured motorist policy? If you do, believe it or not, the premium costs to bump you up to a safer 50/100, 100/300, 250/500 or more is not, in the scheme of things, a huge difference. What is huge is the protection you will have if you find yourself in the unfortunate position of being struck by an uninsured or underinsured driver.

https://www.trantololaw.com/law-firm-blog/personal-injury/hit-someone-automobile-insurance-importance-uninsuredunderinsured-motorist-coverage/

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The best aviation insurance companies cover the unique hazards of aircraft ownership, protecting people and organizations in the field. If you have been in the cockpit due to your work or personal activities, purchasing the appropriate aviation insurance is an essential step in providing protection not just for yourself but also for your passengers. You and your aircraft can be protected against the financial repercussions of aviation accidents, vandalism, weather-related problems, and other forms of losses by purchasing a basic insurance policy. This coverage can also protect you from damage to your aircraft. A comprehensive aviation insurance policy should, at the very least, include critical liability coverage. This is the case even though state or federal authorities are not required to mandate that aircraft be insured. In addition to this, it is necessary for it to act as a facilitator for the modification of the policy in order to accommodate individual requirements, financial constraints, specific circumstances, and restrictions on coverage. If you want to invest as an expat or high-net-worth individual, which is what i specialize in, you can email me (firstname.lastname@example.org) or use WhatsApp (+44-7393-450-837). Table of Contents What is Aviation Insurance When it comes to planes, aviation insurance protects against both danger and property damage. You are able to purchase aviation insurance, which is sometimes referred to as aviation insurance, for a wide variety of aircraft and seaplanes, including normal, experimental, and vintage planes. Most of the time, aviation insurance will pay for the repair or replacement of planes and parts that have been destroyed. Aviation accident insurance, on the other hand, will compensate for liability claims that are brought about by injuries or fatalities. How Does Aviation Insurance Work It is possible for owners of aircraft to take the same precautions as owners of boats by acquiring insurance to cover any financial losses that may be incurred as a result of unforeseen incidents. Due to the fact that standard commercial general liability (CGL) forms often do not cover claims or lawsuits that are a result of aircraft ownership, maintenance, or operation, it is vital to obtain aviation insurance. Aviation insurance is something that companies need to have in order to reduce the likelihood of suffering a financial loss in the event of an accident that involves a private aircraft. Certain types of aircraft liability insurance include excess coverage, non-owned aircraft liability, and standalone plans. These are only some of the different types of insurance available. It is standard practice to provide insurance coverage for the hull (physical damage), medical expenses, and third-party aircraft liability. Policies regarding aircraft are not uniform and vary widely from one another. Occasionally, insurance firms offer packages that contain hull and aircraft liability in addition to other aviation coverages such as airport liability, general liability on land, hangar keepers liability, and aircraft products liability. These packages are sometimes offered by insurance companies. Additionally, the policy may cover the personal goods of passengers and indemnify the hangar where the airplane is stored against any liability claims that may be filed against it. By purchasing an insurance policy, you can obtain protection against injuries that occur on the job, as well as protection against emergency landings and operations related to search and rescue. Best Aviation Insurance Both aircraft owners and renters can take advantage of the insurance services offered by Skywatch.ai, which is quickly becoming a market leader in the aviation industry. When it comes to aviation insurance in the United States, this well-regarded firm offers exceptionally flexible coverage options, which substantially lowers the costs that pilots around the country have to pay. Renters of aircraft have the choice of choosing coverage options that are either daily, weekly, monthly, or annual, according to their needs. This flexibility makes it possible to make alterations as and when they are required, which is especially helpful for persons who are in the process of learning to fly and need to progressively increase the amount of time they spend in the cockpit. Additionally, it is helpful for individuals who temporarily retire from flying during the off-season years. A monthly payment plan and a rapid quotation system are two of the extra insurance alternatives that are made available to aircraft owners by the organization. SkyWatch is the option that is both the quickest and the most cost-effective for pilots due to the specific qualities that it possesses. How would you describe the most remarkable feature? SkyWatch makes it simple for certified flight instructors (CFIs), students, private pilots, and recreational pilots to save money by just clicking a few times. With only a few clicks, they are able to acquire insurance coverage that is both affordable and precisely suited to meet their individual needs. When considering investment funds, it’s crucial to explore options that align with your financial goals, ensuring they offer stability, growth potential, and a well-balanced portfolio while also considering the best aviation insurance to safeguard assets in this sector. One of the subsidiaries of AXA, which is an international insurance and reinsurance company with its headquarters in Connecticut, is called AXA XL. In the global aviation industry, AXA XL is a leading insurer that provides insurance coverage to a wide range of entities, including airlines, airports, aircraft manufacturers, ground operators, and specialized aviation businesses. AXA XL offers its customers a diverse selection of aviation insurance options, in addition to individualized risk management solutions that are tailored to fit the specific business priorities and objectives of the company’s customers. Several other kinds of aviation insurance, including hull damage, third-party liability, and product liability, are among the types of coverage that the insurer offers individually tailored coverage. In addition to war, terrorism, and political events, this coverage also includes other types of dangers. The business caters to individual customers all over the world by offering a wide variety of aviation-related products. If you are looking for an aviation insurance company that can provide coverage for your personal jet, seaplane, or helicopter, BWI Fly is the most reputable firm that is currently accessible. If you own any of these aircraft, you are definitely aware of the hefty price tag that comes along with using them. It is of the utmost importance that you choose an aviation insurance company that offers all-encompassing protection. In what ways can you anticipate BWI to provide you with more features or services? Integrity, speed, and intelligence are all essential. BWI Fly is a customer-focused firm that places a high priority on the happiness of its customers and guarantees that client communication is convenient. Monday through Thursday, between the hours of 6:00 AM and 4:30 PM, and on Fridays, between 6:00 AM and 4:00 PM, a customer care representative is available to receive and respond to inquiries and concerns. In the event that any incidents occur to your aircraft outside of the set working hours, there is also a specialist emergency hotline that is ready to rapidly handle and resolve any issues that may arise. The Great American Insurance Corporation is a company that is headquartered in the United States and focuses mostly on providing insurance covers for property and liabilities. As a result of their significant industry expertise, the aircraft underwriters at Great American are able to conduct in-depth analyses, ascertain the most advantageous price, and offer complete coverage. Providing protection for commercial and non-commercial aircraft, helicopters, and unmanned aerial vehicles, Great American offers comprehensive aviation insurance coverage that caters to the different needs of customers. This coverage is designed to meet the extensive requirements of customers. Additionally, the organization provides coverage for the physical property damage and personal injuries that may be sustained by the pilot and passengers as a result of the deterioration of equipment, the breakdown of operational systems, or the involvement of aircraft in accidents. Great American’s Aviation Division is responsible for providing coverage for a wide range of aviation-related hazards, including hull, liability, and excess liability insurance. USAA is a name that you might be familiar with if you have served in the military in the past or if you are now serving in the military. The Fortune 500 company is well-known for providing a comprehensive selection of insurance and financial services to members of the armed forces and their families. These services include policies that provide coverage for aircraft. Insurance solutions for aviation are offered at prices that are competitive, and a team of specialists is available to assist pilots in appreciating the proper level of coverage that is required. There are just a few simple steps that need to be taken in order to obtain a quote for insurance from USAA. This procedure is quick and can be accomplished online with no effort. United Airlines (USAA) provides a comprehensive selection of aviation insurance products, which include protection for personal hangars as well as commercial and passenger insurance tailored to flight instructors. The United States Air Force Association (USAA) requires applicants to have a current or former association with the armed services in order to get aviation insurance. Nevertheless, among the most highly regarded aviation insurance providers, USAA stands out as a significant option due to its affordable premiums and plans that are simple to understand. Priority and private banking services go beyond traditional banking, offering tailored investment strategies and financial solutions; integrating the best aviation insurance into such plans can mitigate risks associated with high-value assets like private aircraft. London Aviation Underwriters London Aviation Underwriters, Inc. is a company based in the United States that specializes in aviation insurance. The company offers policies that cover general aviation hazards, liabilities for non-owned aircraft, and responsibility for airport facilities. Among the aviation organizations that the corporation actively supports are the Northwest Aviation Insurance Association, which is a local organization, and the Aviation Insurance Association, which is a worldwide organization. Underwriting aircraft risks in the Pacific Northwest, particularly in the severe climate of Alaska, was the primary motivation behind Michael E. Charlesworth’s establishment of the company in the year 1980. The question of whether high-net-worth individuals need life insurance depends on their specific circumstances, and while it may not be universally necessary, exploring policies that encompass the unique risks associated with their lifestyle, including the best aviation insurance, can offer valuable protection and peace of mind. Alliance Insurance Brokers Located in India, Alliance is a business-to-business (B2B) insurance brokerage firm. They offer a variety of services, including reinsurance and risk management, claims management, insurance products, insurance audits, and renewal reviews. Through the process of evaluating patterns, forecasting the ensuing array of circumstances, and providing ground-breaking solutions, Alliance is able to meet the complex and unique requirements of each individual client. When it comes to offering pilots in India insurance against the loss of their licenses, Alliance was a notable pioneer. In the course of their Loss of License program, which encompassed more than 300 individual pilots across the country, they had achieved extremely high levels of accomplishment. The mission of the company is to provide customers with comprehensive services by means of the supply of new packages that are not only reasonably priced but also provide coverage of the highest possible standard. “If it flies, Falcon insures it,” which is the tagline of Falcon Insurance, appropriately depicts the comprehensive insurance alternatives that the company offers for all different kinds of flying things. Falcon Insurance provides pilots with a wide range of insurance solutions that are both comprehensive and diverse. It is a rare aviation insurance provider that offers coverage for seaplanes and historic aircraft, in addition to offering coverage for unmanned aerial vehicles (UAVs) and insurance for drones. There are choices for purchasing insurance for your personal or commercial aircraft, as well as pilot life insurance, which can be obtained straight from the company website for a single premium that is not too expensive. In order to acquire a complimentary estimate, you must complete a form and await communication from an insurance agent. Falcon Insurance is highly recommended due to its significant track record of providing insurance options that are tailored specifically to pilots, which spans over four decades. Starr Aviation Agency, Inc. Starr Aviation Agency, Inc. is a leading global provider of aviation insurance solutions. The company’s headquarters are located in the United States of America. In the aviation and aerospace industries, the organization specializes in the creation of individualized plans that are tailored to meet the specific requirements of the industry. Agencies, Brokerages, and Other Insurance Related Activities are the industry in which the company operates under the umbrella of the business. Among the many types of insurance coverage that Starr offers, some of the more common ones include airplane hull and liability, corporate non-owned aircraft liability, general liability, workers’ compensation, drone insurance, and products and finished operations liabilities. The United States of America, Bermuda, China, Hong Kong, Singapore, the United Kingdom, and Malta are all locations where Starr Insurance firms have operations. The company also has firms established in the United Kingdom. Wings Insurance is a supplier of aviation insurance that has more than thirty years of experience in providing services to protect pilots and responding to their needs. Wings Insurance works in close collaboration with aviation underwriters to provide pilots with the assistance they need to acquire the appropriate coverage at the most cost-effective price potential. The policies offered by Wings Insurance are especially beneficial for commercial pilots looking for coverage. The team is not only able to assist business owners with aviation insurance, but they are also one of the few aviation professionals who are able to offer workers’ compensation insurance. The aviation insurance company Wings Insurance is highly experienced and capable of serving both hobby pilots and pilots who need to insure their team of aviation experts. Wings Insurance is able to provide coverage for both types of pilots. Key personal life insurance plays a vital role in comprehensive financial planning, providing a financial safety net for loved ones; evaluating policies that consider the unique needs of high-net-worth individuals includes understanding how aviation-related risks can be addressed with specialized insurance coverage. Aerospace Insurance Managers, Inc. Aerospace Insurance Managers, Inc. is a company based in the United States that offers comprehensive insurance protection for airports, as well as general aviation aircraft, both for private and commercial use. The majority of the customers that Aviation Insurance Managers serve are located within the United States. The company has grown to become one of the leading independent aviation insurance brokers in the United States. In addition to offering insurance solutions for general aviation and casualty, the company places a particular emphasis on providing coverage for private and small commercial aircraft, respectively. The Chicago-based company Old Republic is a provider of title and deed services in addition to property insurance. Among the top fifty insurance companies in the United States that are held by shareholders, this particular corporation is highly regarded. It is common knowledge that Old Republic Aerospace, Inc. is a well-known insurance provider that serves the aviation industry in both the United States of America and Canada. The company has developed a strong presence in the industry by grasping and addressing the unique challenges that its customers confront. This is due to the fact that the company has amassed more than 35 years of expertise in the aviation sector. Commonly referred to as AIG, American International Group, Inc. is a worldwide corporation that operates in the fields of finance and insurance and has its headquarters in New York. Additionally, it is active in more than 80 countries throughout the world and has a global footprint. Seventy years ago, American International Group (AIG) began providing comprehensive insurance solutions for the aerospace industry to a wide variety of industries, ranging from agriculture to aerospace. Coverage for product liability, airline insurance, workers’ compensation for aviation employees, liability coverage for general aviation, insurance for wrecked aircraft, and liability coverage for airports, ground handlers, and service providers are some of the insurance products that AIG offers specifically tailored for the aerospace industry. AIG also offers a variety of other insurance products that are specifically designed for the aerospace industry. By utilizing a powerful combination of industry expertise and a staff of qualified underwriters located all across the United States, AIG is able to deliver bespoke solutions that are designed to meet the specific requirements of aerospace clients. The company provides its customers with a complete selection of aeronautical equipment, catering to both small aircraft operators and major airline manufacturers. Aviation insurance protects many kinds of planes and aircraft, including those with one or more engines, seaplanes, jets, drones, homebuilt, and more. There are also other forms of aircraft that are insured. Aviation insurance policies typically include coverage for airports and hangars, in addition to protection for both private and public aircraft on the ground. In-flight insurance, public liability insurance, passenger liability insurance, ground risk hull insurance, and passenger liability insurance are often the standard coverage options that aviation insurance carriers provide. Even though aviation insurance is not mandated by either federal or state law, it is nevertheless a good idea to keep it in your possession if you own an aircraft. Through the use of aviation insurance, you may safeguard your aircraft not only when it is in the air but also while it is parked in the hangar. In addition to this, you should safeguard any passengers that you intend to bring onto the premises by purchasing passenger insurance. Pained by financial indecision? Want to invest with Adam? Adam is an internationally recognised author on financial matters, with over 739.2 million answer views on Quora.com, a widely sold book on Amazon, and a contributor on Forbes.

https://adamfayed.com/insurance/13-best-aviation-insurance-companies/

Fourth AInsights event looks at artificial intelligence (AI) as a tool to detect cybersecurity threats. A panel of experts from PwC Serbia, Microsoft Serbia, and Cedars International discussed the challenges and best practices in integrating AI into existing cybersecurity structures, as well as the threats posed by AI advances. The focus then shifted to the evolution of cyber threats, in particular sophisticated types of AI-guided cyberattacks. The participants, which included Adel Abusara, Senior Manager for Cyber Security Policies at PwC Serbia, Nikola Begović, Security Specialist with Microsoft Serbia, and Branko Primetica, Partner at Cedars International, assessed the growing complexity of these threats and the potential use of AI in cyberattacks. The panellists also looked at how to enhance threat detection and automate response. They highlighted the risks associated with over-dependence on AI and explored the ethical and legal aspects of artificial intelligence, including personal data privacy issues and existing legal rules. Key issues were raised of integrating AI into cybersecurity strategies, effective use of AI by small businesses, role of government regulation, and raising awareness by training cybersecurity professionals in AI. The panel’s moderator, Aleksandar Vratonjić Gligorijević of Telegroup, and the panellists agreed that education, collaboration, and evolution were key to ensuring security in the digital age.

https://amcham.rs/cybersecurity-in-the-age-of-artificial-intelligence/

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Tesla Cybertruck ‘CyberLandr’ Revealed 2022: If a third-party accessory for a pickup truck that is not even on the roads yet exceeds $100 million in pre-orders, that says a lot about the pickup truck and also the accessory for the pickup truck. Hello everyone. Welcome to Tesla Vibes. In today’s article, we’ll discuss everything about the Cybertruck and the Cyberlandr camper and why you should be pre-ordering one soon? We all are excited about Tesla’s new pickup truck, which happens to be the Cybertruck. But we still don’t know when we are actually going to see one on the road, even though the deadline for deliveries is somewhat by the end of this year or by the beginning of 2023. The Cybertruck also happens to be the most polarizing vehicle that Tesla has ever made. If you thought Elon Musk was joking when he showed us the Cybertruck. Well, you’re not alone. Even Tesla’s fans were surprised during the unveiling event way back in 2019 because nobody expected Tesla to build a somewhat bulletproof vehicle with zero curves whatsoever. After all, Tesla’s designs usually had a lot of curves. But that is not the case with the Tesla Cybertruck. But this is Elon Musk we’re talking about. He makes impossible things possible, which is why we all love him and also Tesla as a company that produces electric vehicles. So with the kind of polarizing design that we have with the Cybertruck, you are also essentially getting a pickup truck with the performance of a sports car, and this combination is unheard of in the automotive industry, which is why a lot of people are excited about the Cybertruck which is also the reason why we have more than 1.25 million pre-orders for the Cybertruck. We did not see anything like the Cybertruck in the market yet, and this one happens to be an all-electric vehicle from Tesla with insane performance figures. The design clearly looks like it is designed by some extraterrestrial being for sure because it looks more like a concept car than something that would make it to final production. But that is not the case because Elon Musk clearly stated that Tesla will not showcase anything that they cannot produce. So the Cybertruck is really happening, and we could expect Cybertrucks to be on our roads by the end of this year, at least, with more factories coming up for Tesla both in Texas and Berlin. So undoubtedly, the first pickup truck from Tesla is definitely going to be a game-changer not just for Tesla but for the entire segment. Right now, a third-party accessory called the CyberLandr is making all the headlines because this Camper accessory for the cybertruck exceeds $100 million in pre-orders, and that says something about the utility of a pickup truck like the Cybertruck. The company behind the CyberLandr accessory is Stream it, and the cyberlandr happens to be a pop-up camper accessory for the upcoming tesla Cybertruck, and the company did make a huge announcement in the first week of December 2021 on their Facebook page as well as an official press release and that exciting news happens to be the fact that the company was able to rack up about $100 million worth of pre-orders for the CyberLandr which is really exciting news considering the fact that no one got a chance to drive the cybertruck on the road yet. Even before the Cybertruck hits the road, people are excited about converting the Cybertruck into an absolute camping beast. So you could say that people around the globe are really excited about the CyberLandr, and to us, this is not a huge surprise because the Cybertruck would surely end up being a new favorite vehicle for those people who are into camping and Overlanding. The CyberLandr is revolutionary because this truck camper fits into the bed or the vault of the Tesla Cybertruck. It is so compact that people might not even notice the existence of a camper so you are maintaining a low profile if that’s what you are looking for in a vehicle but the cybertruck is a head-turner anyways. The CEO of Stream it, Lance King, was so happy as he stated that he and his team were humbled by the overwhelming response and excitement around the CyberLandr camping accessory for the Cybertruck, and many people are actually excited to invest in the early stages of the company which is why to Stream it partnered up with Start Engine to make very limited numbers of shares available to the public. The goal of the company behind the CyberLandr is to transform the Cybertruck into the ultimate wilderness and urban adventure vehicle, and the CyberLandr completely fits into the Tesla vault, so it does not add any extra drag to the electric pickup truck, which means that you will still get the insane performance with the Cybertruck and the range will remain somewhat same unless and until if we consider the weight of the CyberLandr. The CyberLandr is so compact that when the camper is collapsed, the driver will not face any issue while parking, pulling into the garage, or passing through a drive-through. The CyberLandr will retail for about $49,995, and you could pre-order one for yourself with a deposit ranging from $100 to $5000. Yes, this is quite expensive. You could probably buy another Tesla for that price. But hey, this is going to increase the utility of the Cybertruck, and if Tesla could come up with something similar that could compete with the CyberLandr, things are going to get a lot more exciting both for Tesla and also for CyberLandr because more competition means better pricing and a better product for the customers. So the Cybertruck owners will definitely love the CyberLandr accessory because the cyberlandr happens to be the only compact solution for converting the cybertruck into a proper camping truck right now and we don’t have any other useful accessories for the Tesla Cybertruck, yet, that could add more utility to the cybertruck. The Las Vegas-based company would have never thought that their CyberLandr would be so successful even before the launch of the Tesla Cybertruck. But it makes a lot of sense to us as to why this is so exciting. The camper will disappear entirely within the bed of the truck, which will then allow the tailgate to close, and this will then create a low center of gravity, zero aerodynamic drag and minimal effect on the overall range of the vehicle. This way, users of the Cybertruck will definitely be able to take their Cybertruck to places where most Overlanding trucks will not be able to go. The CyberLandr’s aesthetics, features and everything else are designed so well to complement and enhance the look and utility of the Tesla Cybertruck. The CyberLandr is undoubtedly a very impressive piece of engineering because this one is designed perfectly to fit into the Cybertruck’s bed. It also opens up into an ample living space that includes a kitchen, living room, bathroom and even bedroom. Well, technically, they are all in the same room. But still, it’s very impressive to see what the engineers of CyberLandr have come up with. Both the Cybertruck and the cyber landr do not exist yet because Tesla still did not figure out a way to mass-produce the new 4680 cells for the Cybertruck, so much so that Elon Musk stated that if Tesla were to build the Cybertruck today, it would cost more than one million dollars which is way higher than the original price tag that was mentioned during the unveiling event of the Cybertruck. And that’s a wrap for today’s video. What do you think about the Cybertruck and this CyberLandr camper accessory for the Cybertruck? Will you be getting one for yourself as well? Thanks for reading till the end. Comment what’s your opinion about this information “Tesla Cybertruck ‘CyberLandr’ Revealed 2022“. - Jeff Bezos gives Elon Musk an INSANE Proposal about SpaceX That He CAN’T REFUSE - Biden finally mentions Tesla in the EV discussion but Musk is still angry. Know why - Take A Look At This NEW Tesla Phone Model Pi With Starlink WIFI Information Source: Youtube – Tesla Vibes

https://complexob7.com/tesla-cybertruck-cyberlandr-revealed-2022/

Many times in a beautiful sunny day when you are enjoying at the beach strong winds can blow off your umbrella and that could be a very disgusting feeling because usually at beaches there is an excessive amount of sunlight that can easily damage your skin and in order to keep yourself safe from that damage the people use umbrellas and due to strong winds the umbrellas can get damaged and blow away. In order to install thebeach umbrella or 13 foot market umbrella the right way you should try to use different methods introduced by professionals. In this article we would be discussing different ways that can be used to install a beach umbrella or 13 foot market umbrella in adelaide so that it does not get blown away with the winds. In this regard the first and the most important thing is that you should make sure that you are buying a good quality umbrella because if you are going to buy a low quality umbrella then there are chances that this umbrella might easily get blown away. A lot of companies these days are manufacturing low quality umbrellas which are not up to the mark and can easily get blown away with the winds. Here are some tips to install the beach umbrella or 13 foot market umbrella the right way. Check out the quality We all know that quality is something on which you should never compromise and must always make sure that you are buying the right type of umbrella and that it does not get blown away with the winds. The umbrellas these days comes in all kinds of qualities so it is important that you should choose the right quality. Bury it the right way Another point which you must keep in mind is that you should be burying the umbrella the right way because many times due to a loose fitting the umbrellas can easily blow away so try to lay a solid foundation by digging it harder so that the umbrellas do not get blown away. Select the right place Since a beach is usually a very large place so it is important that you should choose the right place where the umbrella can easily fit in and you do not face any kind of problem at the time of placing it. It is important that you should be choosing a place that is near to the sea and not far away so that you do not lose the enjoyment of the beach. A beach trip is something that can bring a significant amount of joy for you so make sure that you are making the most from that trip and use top quality 13 foot market umbrella or beach umbrellaand in case of you facing problems regarding the placement of the umbrellas you should try to follow these points.

https://disabilitynewscanada.com/tips-for-setting-a-beach-umbrella/

Practice Areas of Hannum Feretic Prendergast & Merlino, LLC Construction Litigation (New York Labor Law) | Appellate Practice | Excess Risk Claims | Professional Liability | Motor Vehicle Litigation | Insurance Coverage | Municipal Liability Claims | Defense of Assisted Living Facilities | General Liability and Trial Practice Construction Litigation (New York Labor Law) New York’s Labor Law §200, §240 and §241 pertain to the duties imposed upon owners and contractors at construction projects. These sections of the New York Labor Law also provide protection and benefits to construction workers who are injured on a jobsite. Hannum Feretic Prendergast & Merlino, LLC has a Construction Claims Unit that specifically handles the defense of owners and contractors. These matters often involve complex indemnity and insurance coverage issues that require a high level of expertise. Our firm is very adept in handling the defense of these lawsuits in a proactive and aggressive manner. Our attorneys are extremely familiar with New York Labor Law and related areas of law such as Workers’ Compensation, contract and insurance coverage, that are often involved in construction litigation. This is a constantly evolving field of law that requires attorneys to focus on impending legislation and the perpetually changing case law. The construction attorneys at Hannum Feretic Prendergast & Merlino, LLC stay current with all of the changes. The appellate practice group at Hannum Feretic Prendergast & Merlino, LLC prosecutes and defends appeals in the State and Federal Courts throughout the State of New York. We have handled numerous appeals from full trials resulting in jury verdicts to motion practice. Our appeals often concern significant issues of law and our expertise in appellate practice and procedure serves not only our appellate clients, but our trial attorneys as well. We also believe that the appellate process is useful in promoting the informal resolution of cases. Hannum Feretic Prendergast & Merlino, LLC has experienced appellate lawyers specializing in all facets of appellate work at the state and federal levels. The firm’s appellate practice spans all areas of substantive and procedural law. Our appellate attorneys excel at the effective presentation of oral argument to the appellate courts. The appellate attorneys at Hannum Feretic Prendergast & Merlino, LLC often work with the trial attorneys during the trial and post trial phases of litigation so that our clients’ interests are protected in order to ensure the best possible result at trial and have the best possible record for appeal. Our attorneys not only handle appeals generated from cases handled by the firm, but are also retained to handle appeals involving significant or complex issues from other firms. Excess Risk Claims Our firm is often called upon to monitor cases involving large claims involving excess policies of insurance. Our firm handles excess risk claims on a primary basis and excess basis. When monitoring a case for an excess carrier our attorneys review the entire underlying file and when necessary attend all substantive depositions and conferences to insure appropriate defense by primary counsel. Our firm also concentrates on providing primary counsel with helpful suggestions and guidance throughout the course of litigation. This includes the formulation of defense strategies and selection of expert witnesses. Because of our active involvement at the early stage of litigation we present opportunities to settle claims and also assist in identifying potential issues that the primary carrier may have missed. For many years now Hannum Feretic Prendergast & Merlino, LLC has been one of the most experienced and knowledgeable law firms handling professional liability matters. Hannum Feretic Prendergast & Merlino, LLC exclusively defended legal malpractice claims on behalf of the Home Insurance Company who was the underwriter for legal malpractice insurance on behalf of the New York Bar Association for many years. Our attorneys have extensive experience litigating legal malpractice actions in all areas of the law. We also represent a wide range of professionals, including insurance agents and brokers, accountants, attorneys, real estate agents, appraisers, financial planners, broker-dealers, architects and engineers. Our lawyers bring years of experience in the representation of our professional clients. We have represented the professional sector in complex trials throughout New York State and Federal Courts. Our trial experience is extensive, and we have achieved excellent results throughout the history of the firm. Motor Vehicle Litigation Hannum Feretic Prendergast & Merlino, LLC handles a large variety of motor vehicle related litigation. Our attorneys handle a great number of cases wherein we are called upon to defend clients in personal injury and property damage lawsuits arising from motor vehicle accidents. We work closely with the client and the insurer in obtaining favorable results. Our extensive experience in personal automobile cases encompasses uninsured and underinsured motorist coverage, general defense and arbitrations. Hannum Feretic Prendergast & Merlino, LLC also represents trucking companies in accident cases involving large commercial vehicles. The handling of these matters often involve coverage issues, National Highway Transportation Administration (NHTSA), Federal Motor Carrier Safety Regulations (FMCSR) and other ancillary issues. Over the years the members of our firm have been very successful in obtaining favorable results via summary judgment motions and at trial in matters involving motor vehicle accidents. The law firm of Hannum Feretic Prendergast & Merlino, LLC has experienced and knowledgeable Insurance Coverage attorneys who handle a variety of coverage disputes, including the validity of disclaimers, reservations of rights, denials of coverage and the defense and prosecution of declaratory judgment actions in both the State and Federal Courts. The attorneys at Hannum Feretic Prendergast & Merlino, LLC are adept at recognizing and analyzing essential issues such as late notice, specific policy exclusions, conditions and amendments and applying these considerations to an overall coverage analysis. Our firm has represented insurance carriers and private entities on both sides of the coverage dispute. Our expertise in this area frequently results in early resolution of coverage issues so that the client can avoid costly litigation of these complex issues. We have also represented insurance carriers in lawsuits and arbitrations involving claims of insufficient No-Fault payments. Hannum Feretic Prendergast & Merlino, LLC routinely provides coverage opinions for insurance carriers in the areas of motor vehicle, construction, general liability and professional liability. Municipal Liability Claims The attorneys at Hannum Feretic Prendergast & Merlino, LLC have a great deal of experience defending claims against municipalities such as the City of New York, County of Westchester, County of Suffolk, County of Nassau, Town of Oyster Bay, Town of Smithtown and various school districts throughout the New York area. We have worked closely with the supporting claims professionals through the New York School Insurance Reciprocal and the New York Municipal Insurance Reciprocal in connection with the defense of these claims. Defense of Assisted Living Facilities Today people are enjoying longer lives than ever before. With that greater life expectancy has come a dramatic increase in the role of nursing homes and assisted living facilities. As a result, there has been an appreciable rise in the number of claims in this area of law. Given the age and frailty of some of the residents, accidents and injuries in nursing homes occur quite often The plaintiff’s bar has devoted a great deal of time, energy and resources to creating claims and lawsuits from these incidents. Given the population trend, this area of law will continue to grow well into the foreseeable future. Our attorneys are adept at handling these types of claims. We provide aggressive, efficient and practical defenses of these cases while working closely with the facilities and their employees. The firm is also mindful of the relationship between the facilities. General Liability and Trial Practice Hannum Feretic Prendergast & Merlino, LLC has always been focused on general liability defense and trial practice. This area of practice remains one of the most important parts of the firm’s work. The scope of our general liability practice includes premises liability, products liability, automobile, property damage, construction defect claims, mold claims, lead paint claims, and dramshop liability. The attorneys in our office handling construction defect claims consistently counsel insurance and corporate clients with respect to personal injury, defect and property damage claims. Hannum Feretic Prendergast & Merlino, LLC has represented a variety of contractors, subcontractors, architects and engineers in this growing field of law. We are consistently mindful of all indemnity, additional insured and coverage issues and keep our clients advised accordingly. The attorneys at Hannum Feretic Prendergast & Merlino, LLC regularly try cases throughout the New York City and the greater metropolitan area.

https://hfpmlaw.com/practice-areas/

Launch of Virginia’s Insurance Marketplace Connects Virginians to Affordable Health Insurance NOV 01, 2023 RICHMOND – The State Corporation Commission (SCC) is announcing the November 1 launch of Virginia’s Insurance Marketplace, which replaces HealthCare.gov as the Commonwealth’s official health benefit exchange. Virginia residents can enroll now in health insurance for 2024 on Virginia’s Insurance Marketplace during the Open Enrollment Period, which ends January 15, 2024. Virginia’s Insurance Marketplace was created by Virginia, for Virginians. The Health Benefit Exchange, a division of the SCC, operates Virginia’s Insurance Marketplace. “We work every day to better understand the unique needs of individuals and families in our state, and we have created a marketplace that connects them to high-quality, affordable health care coverage they can depend on,” said Keven Patchett, director of Virginia’s Insurance Marketplace. The goal of Virginia’s Insurance Marketplace is to increase access to affordable and reliable health coverage for Virginians. “We have had the privilege of working closely with state agencies, health insurance carriers, insurance agents, navigators and our technology vendor, GetInsured, to make this transition a reality for Virginia,” said Patchett. “We look forward to continuing these relationships as we work together to improve access to coverage for Virginians, reduce the number of uninsured, and support the continuity of coverage for those experiencing coverage transitions.” “Transitioning to a state-based exchange is no small feat,” said Chini Krishnan, CEO of GetInsured. “Transitioning from the federal marketplace will put the Commonwealth in a strong position for the upcoming Open Enrollment Period and beyond, allowing the state more flexibility to provide the best access to affordable coverage for Virginians. Individual and family plans are available to eligible Virginians, including those who are unemployed, are self-employed, or have jobs that don’t provide affordable insurance options. Residents who have lost Medicaid or FAMIS coverage are also encouraged to shop for affordable insurance on the Marketplace. The Marketplace is the only place where Virginians can apply for financial assistance to help lower their monthly insurance costs. Nearly 9 out of 10 customers qualify for financial assistance. Every health plan offered on the Marketplace covers the 10 essential health benefits required by law, which include doctor visits, hospitalization, prescription services and more. To get started, Virginians can visit Marketplace.Virginia.gov to browse and compare health insurance plans. For additional help — either online or in person — Virginians can access the following resources: - The Marketplace Help Center can connect Virginians to someone either in person or on the phone. Free translation services are also available. - The FAQ page answers some of the most common questions about the Marketplace. For Virginians to receive coverage during 2024 through the Marketplace, they must enroll in a health plan at Marketplace.Virginia.gov by January 15, 2024. After January 15, Virginians experiencing a Qualifying Life Event (such as having a baby or losing health insurance coverage) may be eligible to enroll during a Special Enrollment Period. Contact: Andy Farmer, 804-371-9141 MAR 01, 2024 SCC Recognizes National Consumer Protection Week JAN 24, 2024 Virginia’s Insurance Marketplace Sees Increased Enrollment at Close of its First Open Enrollment Period JAN 19, 2024 SCC Encourages Virginians to Review Insurance Ahead of Severe Winter Weather JAN 11, 2024 Open Enrollment in Virginia’s Insurance Marketplace Ends January 16 DEC 13, 2023

https://scc.virginia.gov/newsreleases/release/Virginia-s-Insurance-Marketplace-Open-for-Virginia

Instant Daddy is an 2023 Filipino Comedy drama film produced and distributed by Viva Films. It is based on Instructions Not Included, and features Jerald Napoles, Ryza Cenon and Althea Ruedas. The film was released theatrically on October 11, 2023. - Jerald Napoles as Val Roxas - Ryza Cenon as Kate - Althea Ruedas as Mira - Danita Paner as Julie The film was announced by Viva Films Jerald Napoles, Ryza Cenon and Althea Ruedas was cast to appear in the film. The film is the Pinoy adaptation of the 2013 Mexican film Instructions Not Included, directed by Eugenio Derbez. The first look of the film was released on June 10, 2023. * This biography or article is a copyright of Uzomedia TV, please refer-back to our blog if you wish to copy or pin back our articles.* * For car insurance, Home Insurance, Insurance companies, Auto insurance Public liability insurance, Cheap Insurance, Loans,liability insurance, professional indemnity insurance, small business insurance, Health and Fitness, Real Estate, Digital Marketing, Automobile and more visit our contact page.*

https://uzomediatv.com/instant-daddy-2023-film-full-movie-download-cast/

In one of those cases, the child of a deceased client thought their parent had an insurance policy that Marr wasn’t aware of. After taking Marr’s advice to look through filing cabinets, safety deposit boxes and computer files, the child found a group policy on a pay stub from a former employer. “You’ve got to do that detective work,” Marr said. Canadians can also lose track of their insurance policies and bank accounts during major life changes such as relocation or divorce. As of July, the Bank of Canada held nearly 2.8 million dormant accounts worth about $1.16 billion — and the number and value of unclaimed accounts increases every year, the BoC said . Online resources exist for tracking down missing insurance policies and bank accounts, but financial advisors suggest it’s better to stay organized. The OmbudService for Life & Health Insurance’s (OLHI) search tool will list a deceased person’s insurance policy if no more than two years have passed since the person’s death. Nearly all Canadian insurance companies are OLHI members, but policies issued by non-member companies and group policies won’t be listed. In addition, life insurance policies on credit cards or purchased through an association like Costco or the CAA may not show up, Marr said. Advisors can also search for and claim dormant bank accounts held by the Bank of Canada. However, this database only includes accounts that have been inactive for more than 10 years, so searches for newer accounts should be directed to the consumer bank holding the account. An account that’s been taken over by the Bank of Canada will only be held for a limited time: 30 years if the balance is less than $1,000 or 100 years if it’s over $1,000. Although these two databases can help, maintaining updated records is much easier than reclaiming lost accounts and policies. Financial advisors suggest checking in with clients regularly, providing them with a filing system and keeping executors updated. Tina Tehranchian is a CFP and senior wealth advisor with Assante Capital Management Ltd. in Richmond Hill, Ont. Her firm had a client who moved to the U.S. but didn’t tell her advisor the new address. Three months later, a life insurance policy lapsed because the insurer couldn’t notify the client that they had insufficient funds for the premiums in their Canadian bank account. “That’s why it’s so important to make sure that the insurance company has an updated address,” said Tehranchian. “Prevention is the best policy.” She provides all her clients with a binder to organize their financial information and encourages them to both update it regularly and let their executor know where to find it. Clients aren’t the only ones who change addresses. Insurance companies could also change hands during mergers, and records could get lost in legacy systems. In such cases, the OLHI might not be able to help as it relies on the insurance companies’ records, said Wendy Brookhouse, a CFP and founder of Black Star Wealth in Halifax. Brookhouse suggests financial advisors communicate with their clients at least once a year and maintain a summary of all bank accounts and insurance policies. She advises saving master lists on the cloud so an executor can access changes in real time. Staying in touch with clients could also be good for business. “If you did a 15-minute call 15 times over 20 years, you’re going to have a good idea [of] what you have,” Marr said. “It’s also a great way for advisors to … get referrals.”

https://www.associationsalers.com/help-clients-find-lost-bank-accounts-and-insurance-policies.html

Bank frauds involving Rs1 lakh and above reported by banks and financial institutions increased 28 per cent by volume and 159 per cent by value during July-June 2019-20, as per the annual report of the Reserve Bank of India (RBI). Frauds during RBI’s accounting year (July-June 2019-20) have been predominantly in the loan portfolio or in advances category, both in terms of number and value, RBI noted. "There was a concentration of large value frauds, with the top 50 credit-related frauds constituting 76% of the total amount reported as frauds during 2019-20," says the report. According to the report, during RBI’s fiscal year 2019-20 the total number of frauds in banks increased 28 per cent to 8,707 cases, while the frauds have increased by 159 per cent to Rs1,85,644 crore during the year. RBI had reported 6,799 incidents of fraud cases involving an amount of Rs71,543 crore during the previous fiscal. As expected, public sector banks lead in both the number of frauds and amount involved. PSBs have reported 4,413 number of frauds, which are more than 50 per cent of total number of fraud cases. State-run lenders also contributed almost 80 per cent or Rs1,48,400 crore of these frauds, says the report. The report attributes the spike in bank frauds to a failure of early warnings system (EWS), where the average lag in detection of frauds was a whopping 63 months for frauds of Rs100 crore and more. Incidents relating to other areas of banking, like off-balance sheet and forex transactions, fell in 2019-20 vis-à-vis the previous year. Advances contribute with over 50 per cent of cases, but these frauds are worth more than 98 per cent of total amount of fraud cases during FY2019-20. Number of frauds of card and internet increased 30.8 per cent to 2,678 cases from 1,866 cases, while the amount involved jumped more than two times to Rs195 crore from Rs71 crore a year ago, the report shows. While the regulatory framework focuses on prevention, early detection and prompt reporting, the average lag in detection of frauds remains long. "The average lag between the date of occurrence of frauds and their detection by banks and FIs was 24 months during 2019-20. In large frauds, worth Rs100 crore and above, however, the average lag was 63 months. The sanction of the credit facility in many of these accounts was much older," the report says. However, it says, the date of occurrence of these frauds are spread over several previous years, pointing to weak implementation of EWS by banks, non-detection of EWS during internal audits, non-cooperation of borrowers during forensic audits, inconclusive audit reports and lack of decision making in joint lenders' meetings account for delay in detection of frauds, RBI noted. "The EWS mechanism is getting revamped alongside strengthening of the concurrent audit function, with timely and conclusive forensic audits of borrower accounts under scrutiny," the report adds. RBI, in consultation with the Central Vigilance Commission (CVC) had created an Advisory Board for Banking Frauds (ABBF), which functions as the first level of examination of all large value fraud cases. PSBs recommend or make references to investigating agencies if cases are not detected by ABBF. The jurisdiction of ABBF, however, is confined to those cases involving the level of general manager (GM) of banks and above, it added.

https://www.domain-b.com/companies-organisations/firms-companies/bank-frauds-jumped-159-to-rs1-85-644-cr-in-july-june-2019-20

ventless gas fireplace with blower Tile fireplaces are another of the numerous fireplace designs you shall discover. Choose white and you’ll have an impeccable fireplace finishing as it’s exclusive and refined. There are several forms of electrical fireplaces. In the final end, a faux fireplace is quite simple create currently. The ceiling-height fireplace shall certainly stand out and to create the space seem taller and thus larger. It is possible to possess the prettiest and most expensive fireplace inside your house always, minus the right decorations to up back this, your efforts could end up as useless possibly. It’s possible that you can gown your fireplace up with distinctive hearths. It is also feasible that you design the outdoor fireplace so that it’s mainly employed as a means of cooking food. It is possible to make it work with a normal fireplace as well as a mantel. ventless gas fireplace with blower Gallery 24 Elegant Ventless Gas Fireplace with Blower Top search Your fireplace should be designed be placed in area will be absolutely the most favorable in getting the heat it creates. Especially in the event the fireplace is usually in your room or you’re the sole guests that day. Gas fireplaces can be found in many shapes and sizes. Usually a gas fireplace is very convenient since the flame can be wholly controlled and very safe indoors. Ventless gas fireplaces are made to be safe indoors with little if any ventilation. The fireplace is a focus of the room and when you decide on the stone and design style you will need to think about the major use of the area. It serves as a room divider also. Now, there are natural gas fireplaces which can be inserted into the mouth of a conventional fireplace. Timber fireplaces have a unique feeling. Additionally, there are methods to create a stone fireplace blend in and become a pure portion of the interior decoration. Stone fireplaces are often rustic however they may be part of modern interior designs also. If a stone fireplace is the sole rustic feature in the room or if it’s the sole element featuring a specific pattern, color or texture, it might look weird. Based on your own specific requirements and the area available in your home readily, you can elect for rock fireplaces that vary from the small to the audacious and extravagant. Stone fireplaces are well suited for the outdoors. Choosing a fireplace that doubles as a geometric function of contemporary artwork is a surefire solution to produce a statement. The different styles will help you choose the perfect one. The architectural design of your house will help narrow your choices. You may also seeA Modern Fireplace Styles Cultured stones offer precisely the same rustic and rugged look of all-natural stones. Stone fireplace styles provide the traditional fireplace set up look and the typical warm country feel. They can set the disposition of rooms and impact the design of furniture you select for that room. You’ll be able to also select the neat and polished stone fireplace style if you prefer a very simple and modern-day fireplace. Designing your have fireplace is an easy task if you’re likely to use natural rock. There are several different rock types that may provide you an amazing range of designs. It is very important to think carefully in what kind of designs will work in your house and which types that you’ll enjoy and discover the most make use of out of before you start looking for one to buy. You’ll discover that there’s a sizable selection of fireplace designs to select from out there. Many fireplace designs are custom made, but lots of the concepts we’ve presented could be readily adapted into your home at any price point. An excellent fireplace design won’t just incorporate innovative ideas but also needs to contain the important security elements. You can look for a number of styles on the net for fireplace designs and layouts that you can to build yourself with bricks or stones. The styles in pre-constructed solid wood fireplaces may fluctuate in layouts and components allowing you to uncover the proper fit. As far as outdoor styles go, you might have an integrated fireplace or a portable one that will certainly present you with more options regarding positioning and decor. There are numerous outdoor fireplace designs which can be found, one of which is certain to provide you the outdoor environment you are searching for. There are a variety of tactics to reap the benefits of a fireplace. One of the benefits of a gas-burning fireplace is they create smokeless flames while preserving a clean appearance. By making a multi-sided design, you receive the advantage of the fireplace from several angles also, producing the focal point and function you want.

https://www.estanocheyoinvitro.com/ventless-gas-fireplace-with-blower/

Health Insurance Claims: Do Pre-Conditions Affect Your Claim? Pre-existing conditions have been the bane of individuals looking for health insurance coverage for decades. If an insurer found out that you were pregnant, were diagnosed with cancer or diabetes, or otherwise had some condition likely to result in future medical treatment, you could be left without any options for insurance coverage. Healthcare reforms over the past decade and a half have largely put a stop to insurance discrimination based on pre-existing conditions. To understand your rights to coverage regardless of any pre-existing conditions, read on. For help obtaining health insurance coverage or benefits after your claim has been unreasonably or unfairly turned down, call a zealous California health insurance denial attorney for help recovering the benefits you are due. Health Insurers May Not Deny Applications Based on Pre-Existing Conditions A pre-existing condition refers to a condition that an applicant already suffered before entering into a new health care plan. Prior to the Affordable Care Act (ACA), health insurance providers were free to deny coverage to applicants based on pre-existing conditions. Now, federal and state law protects applicants with pre-existing conditions. A health insurance company cannot deny health insurance because of a pre-existing condition. Under most policies, you cannot be subjected to limited benefits, higher premiums, or outright denied coverage because of pre-existing conditions. “Grandfathered” health plans–meaning policies purchased before the additional protections were added–may have fewer protections regarding pre-existing conditions. Your health plan must disclose whether it considers itself a grandfathered plan. Health Insurers Cannot Deny Coverage Based on Pre-Existing Conditions Not only are insurers prohibited from denying your application based on pre-existing conditions; they are also prohibited from denying you coverage based on your pre-existing condition. They cannot charge you more, deny you coverage, or deny benefits specific to that pre-existing condition. Once you are covered by your health insurance policy, they must provide benefits for all treatments otherwise covered, even if those treatments pertain to a pre-existing condition. As noted above, there are limited exceptions for “grandfathered” plans that predate the ACA. Some states allow insurers to sell “short-term” health insurance plans, meant to last initially up to a year and up to three years at most. These short-term plans were exempt from some of the pre-existing condition protections. Short-term health insurance plans are not permitted in California. Delayed Coverage for Pre-Existing Conditions Many health plans that covered pre-existing conditions included an exclusion period for treatments pertaining to that preexisting condition. For the most part, those exclusion periods were rendered illegal per the ACA. However, as discussed above, grandfathered plans lack some of the ACA’s protections and may still include an exclusion period of up to 12 months (or 18 months for a “late enrollee”). During that period, the policyholder will be covered for services unrelated to the pre-existing condition but may be denied benefits for treatments related to the pre-existing condition. Call a Seasoned California Health Insurance Denial Law Firm Today to Get the Benefits You Are Due If your health, disability, or life insurance claim was unreasonably denied, or if you have otherwise been subjected to insurance bad faith conduct, fight for the coverage you are owed with the help of the seasoned, dedicated Los Angeles insurance denial lawyers at Gianelli & Morris. Call for a free consultation at 213-489-1600.

https://www.gmlawyers.com/do-pre-conditions-affect-your-health-insurance-claim/

Month: February 2018 Insuring the business inside your home Posted on February 28, 2018February 28, 2018 by AgentInsure A lot of people are running commercial operations, or businesses out of their homes. Many business owners are renters of the places where there businesses are, but when you operate one out of your home, that changes the rules somewhat. Professional staff at Peter Laczko Insurance in Woodstock, GA can advise you of your insurance needs when you operate a business in your home. To some extent, your homeowners insurance is all you need. If you are a freelance writer, for instance, and customers ever enter your business, there may not be any need for anything extra. However, if you are a massage therapist or hairdresser, and people come to your home for service, you will have much different needs. Your exposure to liability is a major concern when it comes to operating a business, and this is an area where you need to make sure you are covered. Agents at Peter Laczko Insurance in Woodstock, GA. can explain the intricacies of how this insurance works, and can help you make sure you have the coverage you need. But even if your business does not involve having the public in your home, you should also be concerned about your equipment or tools, that can get very expensive. You may be able to include it under your homeowners policy, but in some cases you will need an additional policy or rider to get the coverage you need. Even if you are buying and selling items over the Internet, you will still want to make sure the property you are selling is covered against things like theft, fire or various storm damage. If you are an existing customer, come visit us and let us update your policy to reflect your current situation. New customers are always welcome too, and we can help you find the best policy to fit your situation. What Is The Difference Between Homeowners And Renters Insurance Posted on February 13, 2018February 28, 2018 by AgentInsure Renters insurance protects your personal property which is not protected by a condo association or your landlord, while renters and homeowners face similar risks. Reports establish that only 37 percent of renters have renters insurance. Renters insurance premiums are different depending on where you live. Renters should be aware that that owner’s insurance policy is typically not written to cover any losses to the renter’s property if it is damaged or destroyed. There are rental policies that required renters to insure their property. The landlord and the homeowner have similar risks. There is a definite advantage to the landowner if renters protect their property such as: * To protect the landlord from renter’s who sue the landlord for any property damage claiming the landlord has responsibility. * If the tenant claims it cannot afford insurance the landlord has the opportunity to not to rent to a tenant that presents a risk. * The Landlord shifts the risk to the tenant to reduce its responsibility. * Tenant damages to the apartment will cover the landlord’s deductible on its policy. * If the tenant is a business renter the tenant’s business is protected by its commercial business policy and not by the landlord’s policy. The major difference between a landlord/homeowner and renters policy is cost. Renter’s insurance cost less than homeowners unless the renter is a business covered by its commercial policy. The landlord/homeowner’s policy covers structure while renter’s policy mainly covers personal property. However, both policies are similar in determining loss either based upon actual cash value or replacement value. There exclusions that may not cover unusual personal property or environmental threats. It is clear that as a renter you lose autonomy. Some insurers will exclude certain types of animals or breed of dogs.

https://www.insureyourtoy.com/blog/2018/02/

After a car accident, most drivers know to trade insurance information with the other motorist to settle who pays for the damage. But if you’re injured in a car accident caused by an uninsured motorist, the added stress of who will pay hefty medical bills can feel as bad as the accident. Although North Carolina requires all drivers have car insurance, some drivers do navigate the roads without it. When an accident happens, it causes another level of stress and turmoil. If you find out the other party in a car accident was not insured, your best course of action is to call the Knox Law Center right away for assistance. What Happens If An Uninsured Motorist Caused My Car Accident? First, if you’re in a car accident, seek medical attention and save any doctor records and bills. If you find out the other driver is uninsured, call your own insurance company first, with the help of the Knox Law Center. Some policies already have medical payment coverage wrapped in. This provides a supplemental health insurance policy within your car insurance policy. Note that motorcycle riders are exempt from medical payment benefits if injured on a motorcycle. In addition to the medical payment coverage, as of January 2009, North Carolina mandated all drivers to carry uninsured motorist coverage (UM) in the same amount as the minimum amounts of liability required. So if the person who hits you has no insurance, you can collect from your own policy under this uninsured coverage. If the other person that hit you does not have enough coverage, you can turn to your underinsurance coverage for additional sums to pay your bills. Note that uninsured motorist coverage typically cannot exceed the amount of your standard liability coverage. Depending on the severity of the accident, your policy may only cover the damage to your car and not medical bills. What Should I Do If I’m In An Accident With An Uninsured Driver? If you’re in a car accident, seek medical treatment if necessary. Then, either take photos or write down as many details as you can remember. Next, reach out to the Knox Law Center right away. Our team of lawyers can help you navigate paying to fix your vehicle and medical bills when the other driver is uninsured. In addition, we can help you recover the damages you’re entitled to. Contact our offices in Charlotte or Denver to schedule a free consultation with our injury lawyers.

https://www.knoxlawcenter.com/seeking-compensation-after-an-accident-with-an-uninsured-motorist/

Location: Anfield, Liverpool Fire crews have been called to a flat fire on Breck Road, Anfield, Liverpool this evening. Crews were alerted at 8.20pm and on scene at 8.23pm. Six fire engines and an aerial appliance are in attendance. Crews arrived to find a 3 storey property with a shop on the ground floor and flats on the first and second floors involved in fire. The incident has been divided into sectors. Fire crews have forced entry to the building and are checking the ground floor for fire spread and occupants. Four firefighters wearing breathing apparatus are fighting the fire with hose reel jets. North West Ambulance and Merseyside Police are in attendance. Road closures are in place. Please avoid the area. Local businesses and residents should keep doors and windows closed. If you have an existing medical condition, keep medicines near. If any ill effects are experienced dial NHS 111 for advice. The incident is ongoing. INCIDENT UPDATE 9.30PM: A person has been located and led from the building by fire crews, conscious and breathing and they are now in the care of North West Ambulance Service. A full systematic search of all floors of the building continues, however the main body of fire has been extinguished. Firefighters wearing breathing apparatus are checking for hotspots- cordons remain in place.

https://www.merseyfire.gov.uk/media-centre/latest-incidents/flat-fire-breck-road-anfield/

TAILORED INSURANCE AND RISK SOLUTIONS FOR THE STRUCTURAL TIMBER SECTOR Marcus Saunders and his colleagues at Gallagher are proud to work with over 70 STA members across all areas of the supply chain. Whether you are a manufacturer, designer, erector house builder or developer, our extensive knowledge of structural timber systems enables us to manage the risk exposures and protect the reputation of your business and projects. We provide tailored policy wordings, programme design, risk placement solutions, and consulting support across a range of specialisms, including: Contractors All Risks | Third Party Liability |Environmental Impairment Liability | Inherent Defects/Latent Defects | Terrorism & Political Violence | Delay in start-up | Professional Indemnity | Employers’ Liability | Business Interruption | Own & Hired in Plant & Equipment | Motor Fleet | Trade Credit | Cyber | Legal Indemnities | Management Liability | Marine Cargo | Surety Bonds | Self-Build Insurance | Structural Warranties | Title & Covenant Help reduce the risk of non-payment with Gallagher and Nimbla STA members can help protect against the risk of bad debt due to unpaid invoices with an innovative solution from Gallagher and Nimbla. Unlike traditional trade credit insurance, Nimbla is a digital insurance platform where you can insure individual invoices against non-payment, allowing you to pick and choose which invoices you want to protect. You can obtain a credit opinion on any UK & Ireland customer and a selection of EU customers. Nimbla will provide you with a quotation in seconds, allowing you to help protect your business against the risk of bad debt due to customer default. For further information visit https://www.ajg.com/uk/merger-partners/gallagher-nimbla/ Risk Management Solutions Risk management can help protect your people and could cut your insurance premiums, improve your terms and reduce your claims. As well as taking care of your insurance requirements, Gallagher offers a range of risk management consultancy services to guide you in areas such as health and safety (including our Competent Person Service), property risk management and fleet risk management. We offer IOSH-accredited training courses as well as a dedicated online risk management portal where you and your employees can complete accredited training through e-learning and get advice on your legal obligations in health and safety, fleet risk management and HR. And should the worst happen… Should you need to make a claim, we want to make everything straightforward. We handle all our claims in-house and your dedicated Gallagher claims specialist will work hard to resolve your claim as quickly as possible. For more information please contact Marcus Saunders on 07968 913762 or email Marcus_Saunders@ajg.com Founded in Chicago in 1927, Gallagher has grown to become one of the largest insurance brokerage and risk management companies in the world. With significant reach internationally, the group employs over 49,000 people and its global network provides services and expertise in more than 130 countries. Gallagher is an active member of Constructing Excellence.

https://www.structuraltimber.co.uk/members/gallagher/

Regular Use Exclusion Challenged / 28.Apr, 2011 In Pennsylvania, the appellate courts have held the regular use exclusion in uninsured and underinsured motorist cases. That exclusion bars recovery of UM/UIM benefits where the injuries arise from the maintenance and use of a vehicle regularly used but not owned by the plaintiff. In Brink v. Erie, 940 A.2d 528 (Pa. Super. 2008), the Court upheld the exclusion in the case of a police officer occupying the vehicle made available to him for his use in the course and scope of his employment. The Supreme Court has agreed to address the issue in Williams v. GEICO, 986 A.2d 45 (Pa. 2009). In that matter, the following question was certified for appeal: Whether, under the MVFRL and our decision in Burstein v. Prudential Property & Casualty Insurance Co., 809 A.2d 204 (Pa. 2002), the “regular use” exclusion to underinsured motorist coverage in an automobile insurance policy is valid where the insured is a police officer, who sustained bodily injury in the course of performing his duties while driving a police vehicle, for which vehicle he could not have obtained underinsured motorist coverage. Oral argument in this matter was conducted before the Supreme Court on April 14, 2010. This case is of particular importance to the insurance industry. The regular use exclusion applies to all types of UM and UIM claims. Police officers, fireman, delivery persons, truck drivers, etc., are all potentially affected by this exclusion. Most insurers in the Commonwealth of Pennsylvania now contain such an exclusion in UM and UIM coverage parts of auto policies. Claimants and insurers must be cognizant of the potential ramifications of the Supreme Court decision in this case.

https://www.swartzcampbell.com/regular-use-exclusion-challenged/

The Oshkosh Area School District has been named the inaugural winner of the WERMC Risk Management Award for their efforts in school safety. On November 10, 2023, they were presented with a $2,000 scholarship to assist their district in their risk management initiatives. The WERMC Risk Management Award program is sponsored by Community Insurance Corporation. “We are incredibly proud to recognize the Oshkosh Area School District for their tireless dedication to school safety and integrating these critical principles in the classroom, in facilities and district wide,” said Jodi Traas, WERMC dedicated consultant and Community Insurance Corporation assistant vice president of education & risk services. “In the end, keeping a constant eye on risk management makes for safer faculty, students, schools and communities.” The WERMC Risk Management Award was created to recognize advancement and innovation in the practice of risk management within their membership. Traas concluded, “We always stress that WERMC is ‘Leading the Way in Risk Management for Wisconsin’s Education Community,’ and we are excited for this inaugural award program to continue and keep risk management at the forefront of our schools.” Award criteria included: Leadership in the district/schools Leadership in the profession/professional development Problem solving/adaptability/creativity/implementation and follow through

https://www.wermc.org/

Introduction: Using a folding umbrella effectively involves more than simply opening it when it rains. In this blog, we’ll provide practical tips on how to master the art of using a folding umbrella for various weather conditions and situations. - Quick and Smooth Deployment: Practice opening and closing your folding umbrella to become proficient at it. We’ll discuss how being able to deploy the umbrella quickly and smoothly is crucial during sudden rain showers. - Shielding from Wind and Rain: During windy conditions, position the umbrella to face the wind, and hold it firmly to prevent it from inverting. We’ll explore techniques for shielding yourself effectively from both rain and wind. - Proper Umbrella Positioning: When walking with an umbrella, hold it at an angle to cover yourself and your belongings adequately. We’ll discuss how positioning the umbrella correctly helps maintain your comfort and dryness. - Sharing Umbrella Space: When walking with others under a folding umbrella, coordinate your movements to avoid bumping into each other. We’ll provide tips on how to share umbrella space gracefully. - Tucking in the Canopy: After use, tuck in the canopy of the folding umbrella to prevent water from dripping inside. We’ll discuss this simple step to keep yourself and your surroundings dry. - Storing and Drying: Properly store and dry your folding umbrella after use to prevent mold and prolong its lifespan. We’ll provide guidance on how to care for your umbrella between uses. Conclusion: With these practical tips, you can maximize the functionality of your folding umbrella, ensuring you stay dry and comfortable during various weather conditions and occasions.

http://www.umbrellasmanufacturer.com/mastering-the-art-of-using-a-folding-umbrella-tips-for-every-occasion/

Condo Insurance in and around Brookhaven Condo Sweet Condo Starts With State Farm Stepping into condo ownership is a big responsibility. You need to consider location, your future needs and more. But once you find the perfect unit to call home, you also need dependable insurance. Finding the right coverage can help your Brookhaven unit be a sweet place to call home! Protect Your Home Sweet Home Your townhome is more than just a roof and four walls. 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 packed in and attached to it. Doing what you can to keep it safe just makes sense! That's why one of the most sensible steps is getting Condo Unitowners Insurance from State Farm. Condominium unitowners insurance covers many home-related disasters. For example, what if lightning strikes your unit or someone vandalizes your property? Despite the loss or disruption 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 Reece Brown who can help you file a claim to assist replacing your lost items or repairing your condo. In the event that your home is irreparable, your insurance policy may even cover the cost of reconstruction. Planning ahead doesn’t stop troubles from finding you. Coverage from State Farm can get your condo back to its sweet spot. Brookhaven condo owners, are you ready to discover what a State Farm policy can do for you? Visit State Farm Agent Reece Brown today. Reece BrownState Farm® Insurance Agent Brookhaven, PA 19015

https://reecebrown.net/insurance/condo

Analyst house Forrester has warned of a substantial exodus of cybersecurity industry experts from the market owing to worry, burnout and restricted vocation development chances. In its 2022 predictions report for cybersecurity, risk and privacy, the agency reported as numerous as a tenth of specialists could head for the exit. Some of this may possibly be section of what’s getting dubbed the “Great Resignation” — a period of time of write-up-pandemic reflection main several people to change occupation paths. Forrester also pointed to a Chartered Institute of Data Security study from very last year, revealing that 54% of respondents had either remaining a occupation thanks to overwork or burnout or have worked with someone who has. A more new study from the very same organization claimed that around half (51%) of cybersecurity professionals are kept up at evening by the anxiety of the position. The latest figures from ISC2 out this 7 days basically revealed a fall in the world shortfall of cybersecurity experts for the second yr in a row. However, the group also warned that the size of the workforce is however 65% beneath what it requires to be, with demand rising everywhere but APAC. For 2022, Forrester also predicted that 60% of security incidents would end result from challenges with 3rd functions as provide chains extend to aid firms greater handle risk and plan contingencies. To help mitigate these worries, companies will more and more embed cybersecurity insurance policies into third-party contracts, the analyst claimed. “Before signing new and renewing current suppliers, corporations will demand guidelines embedded in their contracts stipulating that the associate assumes the risk of an intruder leaping from the partner’s to the organization’s environment,” it described. “Smaller guidelines reduce publicity for cyber-insurers, whilst also cutting down the policyholder’s risk of working with new and present suppliers with different cybersecurity postures. Assume comprehensive scrutiny of your 3rd-party risk software and supplier tiers if shopping for these insurance policies.” Some parts of this article are sourced from:

https://thecybersecurity.news/general-cyber-security-news/forrester-predicts-mass-cybersecurity-brain-drain-14029/

BOJI BAY SWIMMING POOL WAIVER By my signature below, I acknowledge that I am aware of, appreciate the character of, and voluntarily assume the risks involved in participating in all activities associated with swimming in our public pool. By my signature below, on behalf of myself, my heirs, next of kin, successors in interest, assigns, personal representatives, and agents, I hereby: Waive any claim or cause of action against and release from liability the Boji Bay Entertainment Plaza, its officers, employees, and agents for any liability for injuries to my person or property resulting from my use of the facility or participation in the activity listed above; Agree to indemnify and hold harmless the Boji Bay Entertainment Plaza, its officers, employees, and agents for any claims, causes of action, or liability to any other person arising from my use of the facility or participation in the activity listed above; Consent to receive any medical treatment deemed advisable in the event of injury, accident, or illness during these activities; and Acknowledge that a participant under 18 years of age signing below as a minor child, a signature is required by the parent or legal guardian of the minor child to participate. I HAVE READ THIS ASSUMPTION OF RISK, WAIVER OF LIABILITY AND RELEASE AGREEMENT. I CONSENT TO MEDICAL TREATMENT, FULLY UNDERSTAND ITS TERMS, UNDERSTAND THAT I HAVE GIVEN UP SUBSTANTIAL RIGHTS BY SIGNING IT, AND HAVE SIGNED IT FREELY AND VOLUNTARILY WITHOUT ANY INDUCEMENT, ASSURANCE, OR GUARANTEE BEING MADE TO ME AND INTEND MY SIGNATURE TO BE A COMPLETE AND UNCONDITIONAL RELEASE OF ALL LIABILITY TO THE GREATEST EXTENT ALLOWED BY LAW.

https://www.bojibay.com/single-season-waiver

In our digital age, cybersecurity is everyone’s responsibility. Wherever you are, every device you use, app you download, bit of information you share or message you open comes with a certain amount of risk. In recognition of Cyber Security Month, we are sharing some tips to help you be cyber smart and reduce your chances of a breach at work and home. Vigilance and Safety Practices There are everyday practices you should employ to protect yourself against a cyberattack. - Use strong, unique passwords. Don’t choose the names of your children or key dates that someone could easily guess. You should also use different passwords for everything, so if one is breached, a cybercriminal can’t access all the others. Learn more here. - Keep software updated. Ensure your software has the most current security settings. Allow automatic updates and regular security scans. - Use social caution. Be careful of what you share on social media. Never conduct business, share personally identifiable information or exchange payment information via social media. Get more tips here. - Be aware of phishing. Don’t open attachments or click on links from unknown sources. Never provide sensitive information via unencrypted means. If something seems fishy, think twice. Phishers can be devious. For Businesses, being Cyber Smart Means Having a Safety Net Businesses face significant financial loss when a cyberattack occurs. Small businesses often make the best targets, and are the most likely to be devasted by a breach. In 2019, the U.S. business sector had a 17% increase in data breaches. Because hackers typically rely on human error, it’s imperative that all employees are regularly trained to recognize scams and malicious links, and instructed in how to handle them. Every member of an organization is responsible for keeping data, customers and systems safe and secure. However, as we’ve seen in the news, even major companies can have a data breach. All it takes is one employee making a simple mistake. That’s why cyber liability insurance has become increasingly important. In fact, if your company keeps any type of sensitive customer information—credit card, bank account or social security numbers; medical information— electronically, insurance is essential. There are different types and levels of protection when it comes to cyber liability insurance, and your coverage should be reviewed periodically to ensure it’s up to date. Be cyber smart: contact us and we’ll customize coverage to your business, level of risk and type of work.

https://www.dowd.com/be-cyber-smart-tips-for-work-and-home/

PURCHASING from us Yes, it is legal to purchase a firearm through us! All pistols/handguns purchased by a customer who lives outside the state of Ohio (where we are located) must be transferred to a licensed dealer/FFL local to you. Since each state has their own laws and regulations for firearms, all handguns and pistols must be legally processed in the state you live. The person purchasing the firearm and whose name is on the transfer paperwork is the only authorized person to pick up that firearm and complete the legal paperwork necessary. There is no exception to this rule. You will be required to submit a 4473 (the legal application that will be provided by your local dealer) prior to any firearm being released to your possession. You will also be required to submit and pass a background check (unless you provide a government-issued license that legally dismisses the requirement of a background check). Please check with your state and local laws PRIOR to purchasing a firearm! We cannot be responsible for making sure you follow state and local laws in regards to what you are/are not allowed to own. The dealer/FFL we transfer the firearm has the right to refuse the transfer of the firearm. A restocking/processing fee will apply should a firearm need to be transferred back to us for reasons of this nature. Shipping a Firearm you already own to us for customization. Yes, it is legal to send your firearm to us to be customized - since we are a licensed manufacturer. HOW TO SEND US YOUR ENTIRE FIREARM: 1. The easiest way to ship a firearm is USPS. Yes, it IS legal to send your firearm to us to customize since we are a licensed firearms manufacturer. If you already own the firearm, this does not require an FFL transfer. Please keep in mind we can only return mail it to the EXACT PERSON & ADDRESS that sent it to us. It can not be shipped to someone else. USPS Flat Rate shipping already includes tracking, but please insure the box for the full value of your firearm. Place the firearm in the shipping box and SEAL the box BEFORE entering the post office. 2. Please DO NOT mark on the outside of the box that it contains a firearm. 3. DO NOT SHIP ANY AMMUNITION IN THE BOX WITH YOUR FIREARM. MAKE CERTAIN YOUR FIREARM IS CLEARED OF ALL AMMUNITION PRIOR TO SHIPPING. 4. Mail your firearm to : Attn: Custom Dept 3787 Elida Road Lima, Ohio 45807 5. INSURE your shipping AND add TRACKING to it. 6. Inside the box include: -Your Phone Number -Your Customization (Example: "Rose Gold Glitter Slide, Rose Gold Frame, Rose Gold Cerakote Mag Plates") - If you built a design on our Customization tool, feel free to include/email the screenshot! *If we have questions on the customization we are to do, we will call you prior to work being started. ****Even if you're only having us customize your slide, we require the entire firearm so our expert gunsmiths can ensure proper fit and function. NOT COMFORTABLE SHIPPING VIA REGULAR MAIL? That's okay! The other option available is to transfer the firearm to us using a dealer/FFL local to you. They may charge a small fee for this service, but it adds some extra insurance the firearm gets to us, and returned to you, in the proper manner. *Keep in mind that some states (such as California, Maryland, New York, New Jersey) have certain restrictions on the firearms you may own. Please check with your local laws prior to making your purchase.

https://www.glittergunz.com/shipping

Focus on liability insurance: does my commercial lease need it? Whether you are just starting out, or your company has grown to the point where you are moving into a commercial space, you may be wondering if your commercial lease requires you to carry liability insurance. The answer to this question is a resounding, ‘probably.’ You can check the terms of the lease itself to determine if it is required. But even if liability insurance isn’t required under the terms of your lease, it’s a good idea to have it. Let’s break it down. Doesn’t my landlord’s insurance cover the space? Your landlord should have insurance coverage that protects their interests. In other words, their coverage is for damage to the premises, such as damage to the building itself due to a fire. But this does not cover your property, such as furniture or equipment, including computers. Likewise, your landlord would likely be liable if someone slipped and fell on the steps of the building because the landlord didn’t keep them clear of snow or ice. But if someone slips and falls inside your office or store because the floor is wet, that’s likely on you. Your landlord’s insurance protects your landlord’s property – not yours, and not your customers’. That’s why most landlords will require you to have your own liability insurance. It protects you, which helps to secure the future of your business – you’re less likely to go out of business if you have a large claim. My landlord is asking to be named on my policy. What’s that about? Your landlord may request to be named as an additional insured on your policy. This is pretty standard procedure and may not cost extra. It simply means that if your landlord is sued for something that is covered under your policy, they’ll have coverage from your policy in certain instances. It doesn’t cover your landlord for claims that are unrelated to you. You will likely be asked to provide a certificate of insurance to prove to your landlord that you have the coverage they require. A certificate of insurance, sometimes called an ACORD, shows what kind of coverage you have and what your limits are. If you’re a Hiscox policyholder, you can get a CoI instantly by visiting www.hiscox.com/manage-your-policy. What kind of insurance do I need for a commercial lease? Your lease may specify the type and amount of insurance that your landlord requires. The most basic coverage is general liability, sometimes referred to as GL. It will cover you for third-party claims of property damage or bodily injury. In other words, it’s for a claim that you damaged someone else’s property or caused someone else (not you or an employee) to suffer bodily injury. This is the minimum coverage most leases require. Some leases will require a business owner’s policy, sometimes called BOP. This is general liability coverage, plus coverage for loss, damage, or theft of your own business property, like tools, equipment, and computers. It also covers improvements you may have made to your rented space and business interruption, which covers income you may lose due to your space being unusable. General liability coverage is included in a business owner’s policy, so you need one or the other, but not both. Even if your lease does not specify that you need to have liability insurance, it’s always a good idea. A claim or lawsuit for bodily injury or property damage, or loss or damage to the tools you need to do your work can be prohibitively expensive for a small business. Here’s an example of why you should have a business owner’s policy when you lease commercial space, whether the landlord requires it or not. Suppose your business has a rented space to which you made improvements, like new hardwood floors and office partitions. One night, the building is broken into. It’s vandalized, with damage to walls and floors, and equipment is stolen from several offices, including yours. Your BOP policy would likely cover the theft of your equipment and the cost of repairing the floors and walls. It could also cover the income you lost because you were unable to work until the space is repaired and your equipment is replaced. Other types of coverage you may need You may need other types of coverage as well for incidents unrelated to your lease. If you have a website, accept credit cards, or store customer information, you should have cyber insurance. If you offer advice to customers, consider professional liability coverage. If you have employees, you may be required to have workers compensation insurance. For more information on what kind of insurance is best for your business, visit www.hiscox.com to get a free quote.

https://www.hiscox.com/blog/does-a-commercial-lease-require-liability-insurance

All-terrain vehicles (ATVs) can be a source of great excitement and adventure, but unfortunately, they also have the potential to cause serious accidents and injuries. ATV accidents can lead to significant medical expenses, leaving individuals and their families burdened with financial strain. In this article, we will explore the various aspects of medical bills after an ATV accident, including the scope of ATV accidents, common injuries, the financial impact, navigating health insurance claims, legal considerations, and preventive measures. Understanding the Scope of ATV Accidents ATV accidents are more common than many people realize. According to the Consumer Product Safety Commission (CPSC), there were an estimated 93,700 ATV-related emergency department-treated injuries in the United States in 2019 alone. These accidents can occur in various settings, including recreational trails, off-road terrain, and even public roads. Understanding the prevalence of ATV accidents is crucial in recognizing the potential risks they pose. The Prevalence of ATV Accidents ATVs are widely popular, especially in rural areas and among outdoor enthusiasts. The American Academy of Orthopaedic Surgeons reports that in 2018, there were over 11 million ATV riders in the United States. The growing popularity of these vehicles means that the risk of accidents and injuries is also increasing. ATV riding provides a thrilling and adventurous experience for many individuals. The freedom to explore off-road trails and navigate through challenging terrains attracts people of all ages. However, this popularity comes with a price. As more and more people embrace ATV riding, the number of accidents continues to rise. One of the reasons behind the increasing prevalence of ATV accidents is the lack of proper training and education. Many ATV riders do not receive adequate instruction on how to operate these vehicles safely. Without the necessary knowledge and skills, riders are more prone to making mistakes that can lead to accidents and injuries. The accessibility of ATVs has contributed to their widespread use. These vehicles are readily available for purchase, and their relatively affordable prices make them appealing to a wide range of individuals. However, this accessibility also means that inexperienced riders, who may not fully understand the risks involved, can easily get behind the handlebars of an ATV. Common Injuries from ATV Accidents ATV accidents can result in a wide range of injuries, ranging from minor bruises to severe trauma. Common injuries include fractures, head injuries, spinal cord injuries, and internal organ damage. It is essential to understand the potential consequences of ATV accidents to fully grasp the medical expenses that can arise. Fractures are one of the most common injuries sustained in ATV accidents. The forceful impact of a collision or a rollover can cause bones to break, leading to significant pain and impairment. Depending on the severity of the fracture, surgical intervention may be required to realign and stabilize the broken bones. Head injuries are another serious consequence of ATV accidents. Without proper protective gear, such as helmets, riders are vulnerable to traumatic brain injuries. These injuries can have long-term effects on cognitive function, motor skills, and overall quality of life. It is crucial for ATV riders to prioritize their safety by wearing appropriate head protection. Spinal cord injuries are particularly devastating in ATV accidents. The sudden jolt or impact can damage the delicate spinal cord, resulting in partial or complete paralysis. Individuals who sustain spinal cord injuries often face lifelong challenges and require extensive medical care, rehabilitation, and support. Internal organ damage is another potential outcome of ATV accidents. The force exerted on the body during a collision can cause organs to rupture or become severely bruised. Internal bleeding and other complications can arise, requiring immediate medical attention and potentially life-saving interventions. It is important to note that the severity of injuries in ATV accidents can vary greatly depending on various factors, including the speed of the vehicle, the terrain, and the presence of safety measures. However, even seemingly minor accidents can have significant consequences, underscoring the need for caution and responsible riding. The Financial Impact of ATV Accidents ATV accidents can have a substantial financial impact on individuals and their families. The immediate medical costs associated with ATV accidents can be daunting, and the long-term healthcare expenses can add up significantly over time. Aside from the physical and emotional toll, ATV accidents can also take a heavy toll on one's finances. The financial implications of such accidents can be overwhelming, leaving individuals and families grappling with the burden of medical bills and ongoing healthcare expenses. Immediate Medical Costs Following an ATV accident, the injured party may require immediate medical attention, including ambulance services, emergency room visits, diagnostic tests, and surgical procedures. These costs can vary depending on the severity of the injuries and the necessary medical interventions. Imagine the panic and fear that rushes through the minds of ATV accident victims as they are rushed to the hospital in an ambulance. The sirens blaring, the paramedics working tirelessly to stabilize their condition. In those critical moments, the financial implications may be the last thing on their minds. However, once the dust settles, the reality of the immediate medical costs begins to sink in. Emergency room visits alone can cost thousands of dollars, and that's just the tip of the iceberg. Diagnostic tests, such as X-rays, CT scans, and MRIs, may be necessary to assess the extent of the injuries. These tests can add hundreds, if not thousands, of dollars to the medical bill. In severe cases, surgical procedures may be required to repair broken bones, treat internal injuries, or address other trauma. The cost of these procedures can be exorbitant, leaving individuals and families grappling with the financial aftermath. Long-Term Healthcare Expenses Some injuries sustained in ATV accidents may require ongoing medical care, rehabilitation, physical therapy, and medication. These long-term healthcare expenses can be significant and can persist for an extended period, adding to the overall financial burden. Once the initial shock of the accident subsides, individuals may find themselves facing a long and arduous road to recovery. The road to recovery often involves extensive medical care, including regular visits to specialists, physical therapy sessions, and rehabilitation programs. These ongoing treatments are not only physically demanding but also financially draining. Physical therapy, for example, plays a crucial role in helping individuals regain their strength, mobility, and independence. However, each session comes with a price tag. The cost of physical therapy can quickly add up, especially when multiple sessions per week are required. Additionally, the need for medication to manage pain, reduce inflammation, or treat other medical conditions resulting from the accident can further strain the financial resources of the individual and their family. The long-term healthcare expenses associated with ATV accidents extend beyond the immediate aftermath. Some injuries may have long-lasting effects that require ongoing medical attention for years to come. This means that the financial burden of ATV accidents can persist well into the future, affecting not only the injured individual but also their loved ones. The financial impact of ATV accidents is not to be underestimated. The immediate medical costs and long-term healthcare expenses can place a heavy burden on individuals and their families. The financial aftermath of such accidents can be overwhelming, requiring careful financial planning and support to navigate the road to recovery. Navigating Health Insurance Claims Understanding your health insurance policy and properly filing a claim are vital when it comes to managing medical bills after an ATV accident. Navigating the health insurance process can be complex, but doing so effectively can help mitigate the financial impact. Understanding Your Health Insurance Policy Reviewing your health insurance policy to understand the coverage and limitations related to ATV accidents is essential. Some policies may have specific exclusions or requirements for ATV-related injuries. Familiarize yourself with the terms and conditions to know what expenses your insurance will cover. Filing a Claim for an ATV Accident When filing a health insurance claim for ATV accident-related medical bills, be sure to provide all the necessary documentation, such as medical reports, invoices, and accident reports. Adhering to all the specific requirements and deadlines will increase the likelihood of a successful claim. Legal Aspects of ATV Accidents The legal aspects of ATV accidents, such as determining liability and seeking compensation, can be complex. While we won't provide specific legal advice, understanding the general considerations can help individuals navigate this aspect effectively. Determining Liability in ATV Accidents Establishing liability in an ATV accident involves investigating the circumstances surrounding the incident, examining any negligence on the part of the ATV operator or other parties involved, and considering the applicable laws and regulations. This process often requires the expertise of legal professionals. Seeking Compensation for Medical Bills If someone else's negligence led to an ATV accident, the injured party may be entitled to seek compensation for medical bills and other damages. Consulting with a personal injury attorney can help individuals understand their options and pursue appropriate legal actions if necessary. Preventive Measures to Avoid ATV Accidents While it is impossible to eliminate all risks associated with ATV use, taking proactive preventive measures can significantly reduce the likelihood of accidents and injuries. Prioritizing safety and following established guidelines can make a significant difference. Safety Guidelines for ATV Use It is crucial to follow safety guidelines when operating or riding an ATV. This includes wearing appropriate safety gear such as helmets, goggles, and protective clothing. Adhering to the recommended speed limits, avoiding dangerous terrains, and never riding under the influence of alcohol or drugs are also critical. The Role of ATV Training in Accident Prevention Participating in ATV safety training programs can enhance riders' skills and awareness of potential hazards. These programs cover topics such as proper ATV operation, handling techniques, and overall safety practices. Seeking out training opportunities can contribute to accident prevention. ATV accidents can result in substantial medical bills and financial burdens. Understanding the scope of ATV accidents, the potential injuries, and the financial impact is crucial. Navigating health insurance claims, considering the legal aspects, and implementing preventive measures can all play a significant role in managing and mitigating the financial consequences of ATV accidents. By prioritizing safety and taking appropriate precautions, individuals can enjoy ATV riding while minimizing the risks associated with accidents and injuries.

https://www.resolvemedicalbills.com/blog/medical-bills-after-an-atv-accident

Halfway through her two-year term, the bold ambitions of FERMA’s president – to create a profession for risk managers, encourage diversity in risk and insurance and improve innovation – look like they may soon be realised Following in the footsteps of many of FERMA’s previous presidents, Julia Graham is poised to achieve several firsts for the European risk management association. She joins a long line of inspirational and innovative leaders. Maurizio Castelli (1999-2001), for instance, did away with the ‘European arm of RIMS’ image that FERMA had suffered in the 1980s and 90s (the two organisations held their biannual conferences jointly until 1999), transforming it into a proactive and independent risk and insurance body recognised across Europe. From 2001-05, his successor Thierry Van Santan’s lobbying efforts at the European Commission influenced several risk and insurance laws, including the Environment Liability Directive and the European Reinsurance Directive. Looking back to 1974, it is worth remembering founding member François Settembrino (1984-94), who – with the European Commission’s director of finance and insurance Gérard Imbert – set up the Association Européenne des Assurés de l’Industrie, the first European insurance association and FERMA’s progenitor until its 1995 renaming. Graham’s goals during her two-year term are just as ambitious, if not more so. When she became president last year, she made her aims clear. First, she wants to transform risk management, propelling it from a misunderstood discipline to an internationally recognised profession with a new risk management certification. Second, she wants to see more women – of all backgrounds, ages, races and sexualities – occupy top-level positions in what has always been a male-dominated industry. Last, she wants the risk-averse insurance sector to take more risks, think outside the box and truly innovate. During an hour spent with StrategicRISK following the Turkish risk management association ERMA’s annual conference in Istanbul, it is clear she has made substantial headway. “The ERMA conference went really well,” she says. “I had a queue of young risk managers asking questions about FERMA’s professional certification – and they were mostly women.” To publicise her goals, she began a European tour 12 months ago. “When I became president, I promised every European risk management association that I will visit them,” she says. “I’m using every opportunity I can not only to talk as a risk manager on risk-related issues, but also to talk about my three aims. “I don’t want to develop initiatives that are one-hit wonders. These projects will have sustainability and staying power and will last beyond my term.” The tour is clearly paying off and the certification project has garnered widespread support. Local associations have pitched in to build an European risk management standard and, with momentum gathering beyond FERMA’s headquarters in Brussels, Belgium, to central and eastern Europe and much of Western Europe, a lasting legacy looks likely to be secured. “So far, the highlight of being president was getting a ‘yes’ vote at the general assembly to progress with the certification programme,” she explains. “That has to be one of the greatest achievements of this year. However, I can’t take all the credit as it’s been a team effort.” Branded European Certified Risk Manager, the certificate is due to launch in the spring/summer of 2015, when FERMA will accept applications from individual risk managers or organisations who want their risk management training to be accredited. The accolade will act as a benchmark against which risk management competence, gained through education and experience, will be measured and awarded. The metrics will come in the form of four pillars, namely knowledge, experience, ethics and continuing professional development. Risk managers can apply for two separate certificates: ‘FERMA certification passport’, awarded to risk mangers with a foundation in risk and insurance; and ‘FERMA advanced’ for those with more experience. The former will recognise qualifications such as diplomas and degrees in certain fields of risk management and the latter will recognise on-the-job, professional experience. To be eligible, risk managers will also need to prove that they have undertaken continuous professional development (CPD) in a 12-month period before submitting their application. CPD points will have to be gained in all three areas: structured learning (teaching or delivering a presentation); semi-structured learning (attending conferences, roundtables and other forums); and unstructured (independent research and reading). Not only will this certificate recognise skills and experience, but it also has wider implications for the risk community. “The ultimate aim is for risk management to be recognised as a profession, so that it is not seen merely as a discipline,” Graham explains. “This is similar to the discussion we’ve been having in insurance: is insurance an industry or a profession? My answer is it is a profession.” But before risk management can be truly recognised as such, some barriers need to be overcome. “There are certain characteristics of what constitute a profession,” Graham says. “Educational standards are one, but a risk management ‘profession’ also needs to be recognised internationally. “We use different language all over the world: ‘cocoa’ is the term used in the US, but elsewhere we might say ‘chocolate’. Likewise, ‘risk’ has many definitions and these differ from country to country. Our aim is to harmonise these different definitions. “Once some harmonisation has been achieved, we can start to harmonise definitions of ‘risk management profession’. But until the right language is in place, it’s difficult to define the profession. That’s the challenge.” FERMA is working the International Federation of Risk and Insurance Management Associations (IFRIMA) and the two associations hope to tackle the issue head on. The IFRIMA established a working group comprising professionals from the Committee of Sponsoring Organizations, the International Federation of Accountants, the Institute of Internal Auditors, RIMS and FERMA. It aims to flesh out a definition for ‘risk management profession’, clarify any confusion and package it up in a downloadable report, the first draft of which is expected in December. “We are not trying to make everything look the same,” Graham adds. “What we are trying to do is promote better co-operation and collaboration with organisations that have done work in this area, so that there is greater alignment and an agreed description on the profession.” Indeed, co-operation and collaboration underpin a great deal of Graham’s efforts to effect change. In her campaign to promote greater gender diversity among higher management, she has been gathering support from the wider industry. Following meetings with insurers and brokers across the world such as AIG, Willis, Lloyd’s, the South African women in insurance network, the Pan-Asia Risk and Insurance Management Association and member associations of FERMA, the campaign is gathering momentum. “We have a cross-border team of people in the profession who have offered to be part of a focus group and act as diversity champions,” she says. “This includes risk managers, insurance managers, brokers, regulators and academics. We have two FERMA board leaders in addition to me: Helle Friberg and Michel Dennery. We are also developing a statement about FERMA’s position on gender diversity, which will detail what we mean and why it matters.” She adds: “Diversity begins in our own backyard. “The reason I decided to launch this campaign was because out of 13 leaders who took part in a risk manager, insurer and broker panel sessions at our forum in Maastricht last year, there was only one woman. I don’t want that to happen again. We’ve worked hard at our seminar in Brussels to ensure that our panel sessions are more diverse. “We are also developing a database of diversity networks, which will explain what they are called, what they do, where they are located and how to join.” Turning to her third aim, she says FERMA’s seminar on 20-21 October in Brussels will provide the perfect opportunity to further discuss innovation in risk and insurance. “We all recognise that insurers, risk managers and brokers need to be more responsive to clients’ needs,” she says. “Sometimes, however, the clients do not know what that need is. So innovation is not only down to the supplier but also down to the buyer. “I would like the broking and insurance sectors to talk more about this and focus more on solutions, rather than products. “We have to have more discussions about what the risks are and ask ‘What do the risk managers really need?’ A good place to have these discussions is at our seminar in Brussels.” Given her strong ambitions to transform risk management and her ideas for how to bring these to fruition, it seems that of all the discussions at the conference, the innovation debate is the one that sits at the heart of Graham’s strategies. ‘I’m a bit mad for learning’ Graham’s career began with a decision to reject a job in the army. “Too many rules; too many regulations,” she recalls. Instead, she took a temporary job in a Portsmouth building society, was given its insurance portfolio to run – and became hooked. Next, she was part of the Zurich ‘fire brigade’; then, at General Accident, she dealt with life and pensions. Meanwhile, she put herself through an Open University degree and completed her fellowship for the Chartered Insurance Institute. “I did a lot of studying, the hard way – in my own time. I’m a bit mad for learning; always hungry for knowledge. Always have been, always will be.” Graham then joined Royal Insurance, which, she says, gave her a wonderful education. “Working in insurance is a gift of a career. I had so much fun.” She believes this underwriting experience has served her risk career well. “I sat in a team in Royal’s underwriting centre that pared back the risk to its basics. I learnt the art,” she says. “You had to understand what you were trying to insure; really understand where the answer comes from and often manuscript the wordings. You didn’t just go to a system that said: ‘The last 16 answers have been this, so the price is X.’ Insurance is a great way to train as a risk manager; a great way to do an apprenticeship.” She then joined law firm DLA Piper and is now director of risk management and insurance, designing its first ERM system.

https://www.strategic-risk-global.com:443/the-bold-ambitions-of-fermas-president-to-create-a-profession-looks-like-it-may-soon-be-realised/1410183.article

Fire lawn sprinkler are an important component of any kind of structure’s safety infrastructure. They play an essential function in preventing the spread of fires and protecting both lives and building. Nevertheless, like any kind of mechanical system, fire sprinklers can experience problems that call for punctual repair work and upkeep. In this article, we will discover the value of fire lawn sprinkler repair and how it ensures safety and security and security for all. First and foremost, regular fire sprinkler repair service is important to make sure the system’s performance. With time, sprinkler heads can become stopped up or damaged, pipelines can create leaks, and valves may fall short to run appropriately. These issues can compromise the system’s capacity to snuff out fires effectively and result in significant residential or commercial property damages and even loss of life. By scheduling regular inspections and repairs, property owners can determine any type of issues with their fire lawn sprinkler beforehand. Professional technicians can evaluate the condition of the system, look for any kind of signs of damage, and perform essential fixings or replacements. This aggressive technique reduces the risk of failing and makes certain that the fire lawn sprinkler will function properly when needed most. An additional vital element of fire lawn sprinkler repair is conformity with legal and regulative demands. Building regulations and safety and security regulations mandate the installment and maintenance of fire sprinkler systems in lots of business and properties. Failing to abide by these laws can bring about fines, charges, and also legal liability. By regularly repairing and preserving their fire automatic sprinkler, property owners can remain in conformity and supply a safe environment for residents. Finally, fire sprinkler repair work contributes to the overall peace of mind of both homeowner and owners. Recognizing that a well-kept and completely useful fire sprinkler system is in area brings a sense of guarantee and safety and security. It enables individuals to tackle their day-to-day activities with the expertise that, in the event of a fire, the lawn sprinkler will trigger and manage the flames up until the fire department arrives. To conclude, fire sprinkler fixing is a crucial element of ensuring safety and security and protection in any kind of structure. Regular examinations and upkeep assistance recognize and fix problems quickly, ensuring the system’s functionality. Conformity with legal and governing needs is additionally essential to prevent penalties and preserve a risk-free environment. Inevitably, fire lawn sprinkler repair work supplies assurance to homeowner and occupants, knowing they are well-protected in instance of a fire.

http://danny-kaye.info/the-path-to-finding-better/

Last Updated on May 31, 2023 by Arnav Sharma As the world continues to digitize at an increasingly rapid pace, the importance of cybersecurity has never been greater. And according to a new report from Cybersecurity Ventures, global spending on cybersecurity is only going to continue to grow, reaching $1 trillion by 2024. This spending increase is driven by a number of factors, including the increasing frequency and severity of cyber attacks, the expanding attack surface as more and more devices are connected to the internet and stricter regulations around data privacy. With the increasing reliance on digital systems and the interconnectedness of devices, the threat of a cyberattack is ever-present. Businesses and governments are investing heavily in cybersecurity measures to protect themselves, and this spending is only expected to increase in the coming years. According to a study by Juniper Research, global spending on cybersecurity is expected to reach $170 billion by 2022, up from $107 billion in 2018. Most of this spending will go towards software and services, with companies investing in internal and external security solutions. A report from Cybersecurity Ventures predicts that global spending on cybersecurity will exceed $1 trillion by 2024. The most vulnerable companies are those that don’t invest in cybersecurity. According to a study by the Ponemon Institute, cybercrime costs small businesses an average of $8.9 million per attack. This is due to the increasing number of cyberattacks in the region and the growing awareness of the importance of cybersecurity. North America is also expected to see significant growth, with spending reaching $62 billion by 2022. These investments are necessary to protect businesses from ever-growing cyber threats. With data breaches becoming more common and sophisticated, companies need to invest in robust security solutions. As businesses and governments face increasing threats, they are turning to technology solutions to help mitigate risks. This includes investing in firewall protection, intrusion detection and prevention systems, and security information and event management (SIEM) solutions. As the world becomes increasingly digital, the need for cybersecurity grows as well. Here are three reasons why the budget is increasing: 1. More devices are being connected to the internet every day. With the rise of the Internet of Things, more and more devices are being connected to the internet, making them potential targets for cyberattacks. 2. Cyberattacks are becoming more sophisticated. As technology advances, so do the methods used by cybercriminals. Attackers are now using AI and machine learning to launch more sophisticated attacks that are difficult to detect and defend against. 3. Companies are realizing the importance of cybersecurity. After high-profile data breaches at companies like Equifax and Yahoo, organizations are starting to realize how important it is to invest in cybersecurity measures. Various report cites several factors driving the growth of cybersecurity spending, including the increasing frequency and sophistication of cyber attacks, regulatory pressures, and the growing awareness of the importance of data security. With businesses and organizations increasingly reliant on digital systems and data, the need to protect against ever-evolving cyber threats is more critical than ever. While the overall trend is positive, the report notes that there are still challenges to be addressed in order to fully capitalize on the opportunities presented by the growth of cybersecurity spending. It is clear that global cybersecurity spending is on the rise, and is expected to exceed $1 trillion by 2024. This trend is being driven by the increasing frequency and severity of cyber attacks and the growing awareness of the importance of cybersecurity. Organizations of all sizes must ensure that they are taking steps to protect themselves from these threats, and this will require a significant investment of resources. Q: What is cybersecurity? A: Cybersecurity refers to the set of strategies, technologies, and practices designed to protect networks, devices, programs, and data from attacks, damage, or unauthorized access. Q: What are some common types of cybersecurity threats? A: Some common types of cybersecurity threats include malware, phishing attacks, social engineering, and attacks on network and endpoint security. Q: What is a vulnerability in cybersecurity? A: A vulnerability in cybersecurity refers to a weakness or gap in a system’s security that can be exploited by attackers to gain access to sensitive information or to disrupt a system’s operations. Q: What is information security in cybersecurity? A: Information security in cybersecurity refers to the protection of sensitive information and data from unauthorized access, use, disclosure, disruption, modification, or destruction. Q: Who are attackers in cybersecurity? A: Attackers in cybersecurity are individuals or groups who use various tactics, tools, and techniques to gain unauthorized access to networks, systems, or sensitive data for their own gain. Q: What is critical infrastructure in cybersecurity? A: Critical infrastructure in cybersecurity refers to the systems, networks, and assets that are essential to the functioning of a society, such as power grids, transportation networks, and water treatment systems. Q: What is a cybersecurity framework? A: A cybersecurity framework refers to a set of guidelines, best practices, and standards designed to help organizations manage cybersecurity risks and protect against cyber threats. Q: What is the role of cybersecurity professionals? A: Cybersecurity professionals play a critical role in identifying, assessing, and mitigating cybersecurity risks and threats. They design, implement, and manage security systems and protocols to protect against attacks and to ensure the confidentiality, integrity, and availability of data and systems. Q: What are some best practices for cybersecurity? A: Best practices for cybersecurity include implementing strong passwords, regularly updating software and security tools, training employees on security awareness, and encrypting sensitive data. Q: What are some cybersecurity challenges facing organizations and individuals? A: Some cybersecurity challenges facing organizations and individuals include the increasing sophistication of cyber threats and attacks, a shortage of skilled cybersecurity professionals, and the need to balance security with privacy and convenience. keywords: malicious software, network security, network security, authentication, type of cyber, information technology, attachment, mobile devices, mobile devices, computer system, malicious actors, supply chain, confidential, type of malware, cybercriminals, ransom is paid, cyber security, computer security, cybercriminal

https://arnav.au/2022/10/19/global-cybersecurity-spending-to-exceed-1-trillion-by-2024/

Shopping for car insurance is a breeze when you choose the Luxor Insurance. Our north Indianapolis area office serves drivers throughout the region and across the state with first-rate customer service, an extensive coverage selection, and competitive rates. Car Insurance FAQs How much auto insurance do I need in Indiana? The Indiana minimum auto insurance requirements are designed to provide a small level of protection in the event you damage someone else’s property, or you cause harm to another person. In Indiana, drivers need a minimum of $25,000 per person and $50,000 per accident for Bodily Injury Liability Coverage and $25,000 per accident for Property Damage Liability Coverage. The minimum amount for uninsured motorist coverage is $25,000/$50,000 for bodily injury and $25,000 for property damage, and the minimum amount for underinsured motorist coverage is $50,000 for bodily injury. What is the best deductible? The best deductible is what you can afford to pay out of pocket when you file an auto insurance claim. The higher the deductible, the lower your premium will be, and vice versa. A higher deductible means your accepting a more significant portion of the risk yourself. It is best not to take on more risk than you can afford. What is “full coverage?” There is no such thing as “full coverage” insurance. Full coverage auto insurance is a term that is used to suggest you have chosen protection that goes beyond the minimum coverage required by your State. It typically includes collision and comprehensive coverage, medical payment coverage, and uninsured and underinsured motorist coverage. How can I save money on my car insurance? You can save money on your car insurance by avoiding moving violations, crashes, DUIs, and other incidents. By having a clean driving record, you may also qualify for a safe driver discount. Students may qualify for good student and student-away-at-school discounts. Your vehicle’s anti-theft devices and safety features may also provide more discounts. Paid-in-full, multi-car, and prior carrier discounts are also common. How long does an auto accident affect my insurance? A crash won’t impact your car insurance premiums forever. After about three to five years, your rates should recover. Exactly how long this takes will depend on the type of accident as well as the company you are insured with. Is buying direct cheaper than buying through an agent? Buying direct is not always cheaper than buying through an agent. You might think that cutting out the middleman would result in cheaper car insurance rates, but when it comes to insurance, this isn’t the case. In fact, an independent agent, one that represents many insurance companies, can often save you money. What is the best auto insurance company? The best auto insurance company differs per individual. No insurance company is objectively the best. It all depends on what you’re looking for. Do you want the best customer service, the broadest coverage, or the lowest rates? Or maybe you have unique coverage or underwriting needs? An agent can help you compare car insurance quotes from multiple insurance companies and find the right policy for your situation. What is the best or cheapest auto insurance rate? The best or cheapest auto insurance rate can be found by comparison shopping. Compare premiums as well as differences in coverage. An independent insurance agent can help. They can provide options from multiple carriers, along with the expert guidance you need to make a smart choice. How do I switch to a new auto insurance company? You can switch to a new auto insurance company at any time, but to avoid overpaying or violating state law, you do need to watch out for a couple of things. Car insurance policies are often sold for coverage periods of six months or one year. In some cases, you may be charged a fee if you decide to cancel your insurance policy early. You may also be entitled to a refund for the unused portion of the premium. You also want to make sure you have continuous coverage to avoid a coverage gap. Required Car Insurance Coverage in Indiana Indiana requires all drivers to carry a minimum amount of car insurance that includes at least: - $25,000 for property damage liability - $25,000 bodily injury liability per person - $50,000 bodily injury liability per accident The state also requires that insurance companies include a minimum amount of protection against uninsured and underinsured motorists in each policy unless the driver specifically rejects the coverage in writing. Calculating Your Coverage Needs Luxor Insurance emphasizes the importance of having the right types and amounts of coverage – not just enough to maintain legal compliance. For most drivers, the state minimum coverage amounts are far too low to provide adequate protection against the losses and liabilities associated with a major accident or other covered event. That is why we work to evaluate individual risk exposure and calculate the amount of coverage that may be right for you. Types of Indiana Car Insurance Coverage There are several different types of coverage that may be included in your policy. Some, such as liability insurance, is mandatory. Others, such as collision and comprehensive coverage may be required by a lien-holder if you are still making payments on your vehicle. Examples of common car insurance coverage types include: Liability is one of the most important components of a car insurance policy, as it protects you against financial liabilities when you are responsible for a car accident. We typically recommend high liability limits to cover legal fees in the event of a lawsuit, as well as judgments for property damages, medical bills, rehabilitative expenses, lost wages, and other losses. Collision coverage helps pay to repair damages to your vehicle in the event of a collision. It can also compensate you for the loss of your vehicle if it is deemed a total loss. If you borrowed money to finance the purchase of your car, your lender probably requires you to carry collision coverage. Likewise, you will also need collision coverage if you are leasing your car instead of purchasing it. Claims against collision coverage are subject to a deductible, which may be as little as $100 or as much as $1,000 or more. If you choose a high deductible, you may enjoy lower premiums. However, we recommend choosing your deductible carefully to ensure you can reasonably afford to pay it in the event of a loss. Comprehensive coverage is misleading for many drivers, as its name implies ‘complete’ coverage. However, this type of protection actually covers only damages to your vehicle caused by non-collision events, such as a fallen tree, hail damage, or run-ins with wildlife. Like collision coverage, claims against comprehensive coverage are also subject to a deductible of your choosing. If you are injured by an uninsured or underinsured driver, this type of coverage allows you to collect compensation for damages from your own insurance company. This coverage is highly recommended and included by default in all newly written Indiana car insurance policies. If you and/or your passengers are injured in an accident or while entering or exiting your vehicle, medical payments coverage helps pay for the medical costs you incur up to the limits of your policy. Many drivers choose at least enough medical payments coverage to pay for a health insurance deductible or emergency room visit. Roadside Assistance and Towing Things don’t always go as planned behind the wheel. If you are in a collision, this type of coverage can help pay for your towing charges to a repair facility. Likewise, it can also help pay for locksmith services, fuel delivery, flat tire changes, and other similar expenses when you are stranded and unable to operate your vehicle. Rental Car Coverage What will you drive if your vehicle is damaged or totaled in an accident? Your insurance can include limited coverage for rental car fees until your vehicle is repaired or you are able to replace it. Why Use an Independent Agent for Car Insurance? Independent agents do not work for insurance companies; they work for their customers. When you choose Luxor Insurance, you are teaming up with an agent who prides himself on deep knowledge and experience in the car insurance industry. Brad knows how to calculate insurance risks and exposures, and he can break down complicated policy language into terms that make sense for the everyday driver. Discounts that Work for You We know that affordability plays an important role in the coverage choices of many drivers. Instead of sacrificing the quality of your coverage for the sake of upfront savings, we shop and compare discounts from multiple insurers to find competitive rates on the coverage you need. We aim to uncover every possible discount the drivers on your policy may qualify for, some of which may include: - safe driving discounts - good student discounts - low mileage discounts - multiple policy discounts - safe vehicle discounts - discounts for combining home and auto with the same insurer - and more Give our office a call next time you buy a car or shop around for car insurance rates. We’ll work hard to find a competitive rate on the coverage you need – all with the friendly and hospitable service our Indianapolis area clients deserve.

https://luxorinsgrp.com/insurance/car-insurance/

UNICO Group, a client-focused insurance broker, is pleased to announce the addition of Austin Beber and Cody Roach, Risk Advisors and Jackie Damon, Account Manager to UNICO’s team. This dynamic team will be concentrating on building tailored insurance solutions within the auto dealer, towing and auto after-market industries across Nebraska. We are excited to add Austin, Cody and Jackie to our team,” said Shane Ideus, Executive Vice President. “Their experience and dedication to their clients aligns perfectly with our core values and mission. We are confident that they will contribute to our continued growth and success. Throughout my time in the industry, I have come to admire reputation that comes along with the UNICO name. When I knew it was time for me to find a new organization to call home, UNICO’s ability to offer a full suite of services to business owners made them the top pick. Austin Beber, Risk Advisor Austin Beber joins UNICO with over 10 years of insurance experience. He began his career with Zurich and most recently served as a Regional Commercial Sales Leader and Commercial Lines Producer at Universal Group Insurance in Omaha. Connect with at Austin at [email protected]. Cody Roach, Risk Advisor Cody Roach has spent the last 3 years building a solid reputation by creating strategic property and casualty insurance solutions. His prior experience as a Safety Director at Nebraska Beef enabled him to transition seamlessly into the insurance industry. Connect with Cody at [email protected]. Jackie Damon, Commercial Account Manager Jackie Damon brings over 10 years of experience supporting clients in the auto dealer and banking industries. Previously, Jackie served as Customer Insurance Advocate where she successfully managed a large book of business. Connect with Jackie at [email protected].

https://unicogroup.com/unico-group-grows-omaha-office-with-key-hires/

For the first time since 2020, COVID-19 was not a top concern for brokers responding to the Real Estate Board of New York’s confidence survey. According to the Real Estate Board of New York’s Q1 2022 Real Estate Broker Confidence Index, brokers faith in real estate continues to diminish, although their attitude remains positive. Confidence among participating brokers in both commercial and residential real estate declined for a third-consecutive quarter, and their six-month outlook was less optimistic, as well. Still, positivity abounds. The Commercial Current Confidence Index remained somewhat flat, dropping from 17.89 the previous quarter to 17.05. For the first time since COVID-19 appeared, the pandemic was not the main reason for the drop in the index. The disruption brought to the city since the pandemic was very real. Commercial brokers were concerned regarding a delayed return to office work environment. In April, the second quarter saw an increase in office movement. As of late March, office occupancy in New York had reached 37.1%. compared to 22% in January, according to Kastle Systems. The main challenges facing the brokerage community have thankfully shifted away from public health concerns, Keith DeCoster, director of market data and policy with the Real Estate Board of New York, said in prepared remarks. He added that economic momentum and broker confidence should stay in positive territory, particularly if public policymakers continue to prioritize quality-of-life issues and empower owners and businesses to invest further in New York City. Thank you Barbara Murray from Commercial Search.

https://www.betaabstract.com/post/nyc-brokers-stay-positive-during-office-wait-and-see

Co-authored by Christopher K. Buch. On April 17, the Internal Revenue Service published in the Federal Register proposed Regulations setting forth the details for the new fees imposed upon self-insured plans and health insurance policy issuers. These fees were mandated in the Patient Protection and Affordable Care Act (PPACA) and are effective for current plan years and for the six years thereafter. What type of plans/policies are the fees imposed upon? The fee applies to any plan providing accident or health coverage to employees or former employees (including retirees) if any portion of the coverage is provided other than through an insurance policy, unless substantially all of its coverage is of "excepted benefits described in Internal Revenue Code Section 9832(c)." ("Excepted benefits" are things such as limited-scope dental and vision benefits, long-term care, accident or disability income coverage, etc.) Health insurance policies subject to the fee are those which cover the same type of benefits described above, issued with respect to individuals residing in the United States. The fee does not apply to stop-loss and indemnity reinsurance policies. Who must pay the fee? In the case of an insured plan, the fee is imposed upon the issuer of the policy. For self-insured plans, the fee is imposed upon the "sponsor." Sponsor is defined as the employer in the case of a plan established or maintained by a single employer. In the case of a plan established or maintained by multiple employers, a multiple employer welfare arrangement, or a VEBA, the fee is imposed upon the committee, board of trustees or similar group who establish or maintain the plan. How much is the fee? The fee is equal to $1 per covered person for the first year and $2 per covered person for the second year. The fee increases each year thereafter in an amount equal to the increase in the projected per capita amount of the National Health Expenditures most recently released by the Department of Health and Human Services before each October 1. How is the number of covered lives calculated? The fee is equal to the applicable fee for that year ($1, $2 or the increased amount in years three through seven), multiplied by the average number of lives covered under the policy or by the plan that year. The Regulations provide plan sponsors three different methods for determining the average number of lives covered under the plan for the plan year. (They provide four different methods by which insurance policy issuers could compute the number of lives covered in any particular policy year.) Generally, the three methods available with respect to plans that offer coverage for dependents as well as participants, are: (1) actual count of total lives covered on each day of the plan year; (2) average of the total lives covered on one date in each quarter, using either actual headcount or the sum of the number of participants with self-only coverage on that date plus the product of the number of participants with coverage other than self-only multiplied by 2.35; or (3) number of participants reported on the Form 5500 for the plan at the beginning of the plan year plus the number reported at the end of the plan year. What years does the fee apply to? The fee applies to plan years ending on or after October 1, 2012, and before October 1, 2019. When must the fee be paid? The Regulations permit the fee to be paid annually, via IRS Form 720. The return will cover policy years (in the case of insurance policy issuers) and plan years (in the case of plan sponsors) that end during the preceding calendar year. Thus, for example, in the case of a plan with a calendar year, the first tax return and payment of fee would be due July 31, 2013, and would relate to the 2012 calendar year plan year. What if the sponsor maintains multiple health plans? Multiple self-insured arrangements established and maintained by the same plan sponsor and with the same plan year are subject to a single fee. One open question is that even though an employer-sponsor may maintain a self-insured health plan and a health reimbursement arrangement (HRA) and they both have the same year end, the Regulations appear to require the HRA to be "integrated" with the health plan in order for the single fee to apply. It is unclear why it is necessary for the HRA to be integrated rather than merely being supplemental. Miscellaneous issues and recommendations. The Regulations contain numerous additional rules. One such example is in the case where a single health plan provides coverage through one or more insurance policies and also provides "any portion of the coverage" other than through an insurance policy, the insurer(s) would owe fees with respect to each of the policies and the sponsor would owe a fee for the self-insured portion. Additionally, if an employer sponsors an insured major medical plan that is integrated with an HRA, the insurer would owe the fee due to the insurance policy, and the employer-sponsor would owe the fee on the self-insured portion (the HRA). Comments on the proposed Regulations can be submitted to the IRS, and a hearing is scheduled for August 8, to address comments and requests for changes. The Regulations are currently effective and plan sponsors and issuers may rely upon them pending the issuance of final Regulations. To the extent future guidance is more restrictive than the proposed Regulations, it will applied without retroactive effect. For a copy of the proposed Regulations, click here.

https://www.corporatefinancialweeklydigest.com/2012/04/articles/executive-compensation-and-eri/new-irs-regulations-imposing-fees-upon-self-insured-plans-and-health-insurance-policies/

Freight insurance, as the name suggests, is an insurance policy that covers the loss or damage of cargo during transport. However, there are limitations and some gray areas you should know about. Regretfully, things are not as straight forward as they should be. Shipping freight across the US or elsewhere is generally safe. Albeit, damage, loss of freight in transit, or theft does occur. Read on and educate yourself more on whether insured cargo is right for you. How Freight Insurance Works Freight insurance provides compensation to the owner of the goods in the event of damage or loss. However, did you know that it is based on replacement cost? Yes, replacement cost is what you will be reimbursed since, market value or sale price is not acceptable. Therefore, you must keep diligent records of your purchases. Especially, purchase orders and proof of deliveries. These important documents are required in order to process a claim. Should I Purchase Insurance For My Shipment? Freight insurance is not mandatory, but it’s a wise investment. If your business involves shipping high-value or delicate goods, you may want to consider freight insurance. Specifically, less than truckload shipments have a higher degree of damage, due to extra handling. While shipping freight companies are liable for cargo loss or damage to a certain extent, their liability is often limited or waived in certain circumstances. Thus, freight insurance offers coverage that goes beyond the carrier’s liability. Insured Cargo For LTL Shipments Insured cargo for LTL shipments is loosely based on the freight class. For example, the amount LTL carriers are willing to insure is higher on freight class 100 than freight class 60. Additionally, LTL carriers sometimes deem items to be release value type commodity. This is important to know in advance. Conclusion On The Subject Of Insurance For Your Freight Insuring your freight offers you an added layer of protection. You can rest easier during the transit of your shipment. But, as we mentioned earlier it is not mandatory and completely up to the shipper of the goods. Sometimes the cost of the insurance is not feasible. We understand that keeping freight cost down is important, but so is protecting your investment in a fast paced industry like freight shipping.

https://www.freight-specialist.com/what-is-freight-insurance-do-i-need-it/

Term insurance stands as a crucial financial tool safeguarding your family’s future. This life insurance variant ensures a lump sum payout to your nominee if you pass away within the policy term. It combines substantial coverage, affordable premiums, tax advantages, and the flexibility to tailor the term and sum assured to your specific needs. Here is how to get the ideal term plan. Step 1: Assess your life stage and financial goals Assess your life stage and financial goals. Depending on your age, marital status, number of dependents, income, liabilities, and future plans, you must determine how much life coverage you need and how long. You can use online calculators or consult a financial advisor to help you with this step. For example, if you are a 30-year-old married person with two children, earning Rs. 50,000 per month, having a home loan of Rs. 40 lakhs, and planning to retire at 60, you may require a life cover of Rs. 1 crore and a policy tenure of 30 years. Step 2: Compare different term insurance plans online After determining your coverage needs, you can assess different term insurance plans provided by various insurers on the internet. Compare features, benefits, premiums, claim settlement ratio, and customer reviews to select a plan that aligns with your requirements and budget. Step 3: Choose the type of term insurance plan There are various types of term insurance plans available in the market, such as level term plan, increasing term plan, decreasing term plan, return of premium plan, and term plan with riders. You need to understand the pros and cons of each type and select the one that matches your requirements and preferences. Step 4: Choose the policy term The policy term is the duration for which you want to be covered by the term insurance policy. It should be long enough to cover your working years and consider your life expectancy. You should also consider your retirement age and the age of your dependents. A general rule of thumb is to have a policy term that is equal to or more than the difference between your current age and your expected retirement age. For example, if you are 30 years old and plan to retire at 60, you should have a policy term of at least 30 years. Step 5: Choose the premium payment mode and frequency The premium payment mode is how you pay the premium to the insurer. You can pay the premium either as a lump sum or in regular instalments, such as monthly, quarterly, half-yearly, or yearly. The lump sum mode allows you to pay the entire premium amount at once and eliminates the hassle of paying the premium regularly. However, it may not be feasible for everyone, as it requires a lot of money. Step 6: Fill the online application form and submit the required documents After selecting the term insurance plan and the premium payment mode and frequency, you need to fill out the online application form with your personal, professional, and health details. You also need to submit the required documents, such as identity proof, address proof, income proof, and medical reports, if any. You must provide accurate and complete information in the form and the documents to avoid rejection or delay in the claim settlement process. Step 7: Undergo the medical tests Depending on your age, sum assured, health status, and the insurer’s policy, you may undergo some medical tests to assess your risk profile and eligibility for the term insurance plan. The insurer may arrange the medical tests at your home or a nearby clinic, or you may have to visit a designated medical centre. You need to cooperate with the insurer and the medical professionals and follow their instructions. Step 8: Pay the premium and get the policy document Pay the premium as per the mode and frequency you choose and get the policy document either online or offline. You need to check the policy document carefully and ensure all the information is correct and per your expectations. Read the policy document thoroughly and understand all the clauses and fine print. If you find any discrepancy or error in the policy document, contact the insurer immediately and get it rectified. You can also cancel the policy within the free look period, which is usually 15 to 30 days from receipt of the policy document if you are not satisfied with the policy. Step 9: Review your term insurance policy periodically Once you have bought the term insurance policy, you must review it periodically to ensure it is still adequate and relevant for your changing life stage and financial goals. You may need to increase or decrease the sum assured, extend or shorten the policy term, add or remove riders, or switch to a different plan, depending on your circumstances and needs. You can contact the insurer or your agent to make the necessary changes to your policy. Step 10: Inform your nominee and family about your term insurance policy Inform your nominee and family about your term insurance benefits. You also need to keep them updated about any changes in your policy and ensure that they have access to the policy document and other relevant documents. This will help them to claim the death benefit easily and quickly in case of your demise. Also, educate your nominee and family about the importance and benefits of term insurance and how it can provide them with financial security and peace of mind in your absence. You should also advise them. Having term insurance is like a safety net for your family if something happens to you. You can find the best plan by figuring out your current life situation and preferences, exploring different plans online, and paying the premium.

https://www.primeserviceprovider.com/get-your-ideal-term-insurance-policy-in-10-steps-a-comprehensive-guide.html

On average, American drivers pay a little over $1,300 each year for car insurance. But car insurance for new drivers will cost a whole lot more than that in most cases. Because new drivers don’t have much experience behind the wheel yet, it’s not uncommon at all for car insurance companies to charge them an arm and a leg for insurance. They’re taking a big risk by insuring these drivers, so it has almost become expected. You might be able to get access to affordable car insurance for new drivers by taking the right steps, though. Here are three tips that can help you find cheap car insurance for new drivers. 1. Sign Up for a Defensive Driving Course One of the easiest ways to get more affordable car insurance for new drivers under 21 is by signing up for a defensive driving course. This kind of course is going to teach you how to be more careful while you’re out on the road by putting defensive driving practices into place. You should be able to take a defensive driving course for well under $100 in most instances. And it’ll usually save you way more money than that in the end. It’s a great way to bring your car insurance rates down from the beginning. 2. Take Advantage of Good Student Discounts Do you get good grades in school right now? If you do, you shouldn’t be shy about sharing that news with your car insurance company. Studies have shown that good students also tend to be good drivers. So many car insurance companies will give good students a break on their car insurance for new drivers. Getting all A’s and B’s in school could earn you a sizable discount on your car insurance rates. 3. Shop Around for the Lowest Car Insurance Rates At the end of the day, the simple act of shopping around for the best car insurance for new drivers could be your saving grace. You might find that one insurance company will charge you so much less for car insurance for new drivers than others. Read more about how you can get a fantastic deal on car insurance for someone who is just driving for the first time. It could make a big difference in the price you have to pay for car insurance. It Is Possible to Find Affordable Car Insurance for New Drivers New drivers are pretty much always going to have to pay more for car insurance than experienced drivers. But that doesn’t mean that you have to resign yourself to the fact that car insurance for new drivers can’t be affordable. You can use the tips found here to bring your car insurance costs down, even if you’re a new driver. You can also continue to bring your car insurance costs down by proving to your car insurance company that you can be responsible while you’re out on the road. Get more tips on getting better deals on car insurance for new drivers by reading our other blog articles.

https://www.theusautorepair.com/Auto-Repair-Help/1091/3-insurance-cost-cutting-tips-for-new-drivers/

By signing up for and/or attending classes, events, activities, and other programs and using the premises, facilities and equipment (individually and/or collectively, the “Classes and Facilities”) of Classic Yoga, you hereby acknowledge on behalf of yourself, that there are certain inherent risks and dangers in practicing yoga. You acknowledge that some of these risks cannot be eliminated regardless of the care taken to avoid injuries and that Classic Yoga will not be liable for any injury or damage should you choose to participate. Waiver, Informed Consent, and Covenant Not to Sue: - The customer (any participant attending Classic Yoga classes, events, activities and other programs) have volunteered to participate in a program of physical exercises under the direction of Classic Yoga instructors. - The customer warrants, represents and agrees that he/she has no physical disability, impairment or ailment preventing him/her from engaging in any exercise activity or that will be detrimental to his health, safety and comfort or physical condition or that of others. It is also advisable for the customer to consult his doctor before undertaking any exercise with Classic Yoga. - The customer releases Classic Yoga, its employees and agents and agrees to waive any and all claims or rights he/she might otherwise have against Classic Yoga, its employees, and agents including the right to sue Classic Yoga, its employees and agents for any injuries or claims aforesaid. - The customer has carefully read this waiver and releases and fully understands this is a release of liability, of any and all future claims against Classic Yoga, its employees and agents for injury or risk of injury resulting from Classic Yoga activities.

https://classicyoga.sg/indemnity-waiver/

Unit Owners Special Coverage A: What is it? Condo Insurance Policy Endorsement for Brandon, Tampa, Riverview, Florida and Beyond Great question. I quote a lot of condos at L&M Insurance Group, and I always include “Special Coverage A.” Special Coverage A is an inexpensive endorsement on your condo insurance policy that changes your policy to “Open-Perils” coverage. A typical condo policy without this special endorsement would provide coverage on a named peril basis. This means if you incur damage from one of the perils named in the policy you have coverage; if it’s not named, you don’t. It’s that simple. The Special Coverage A endorsement changes your policy to an open perils policy, meaning the insurance company will cover damage from every peril unless it is listed in the exclusions. Named Peril Versus Special Coverage A Examples Examples are always best, so let me give you one. Let’s say you have a named peril policy (not Special Coverage A) and you have water damage caused by a pipe breaking, and it is a listed peril. Whew–you have coverage. But, let’s say the water damage is from a broken fish tank, a leaking water bed, rain that enters an open window and causes damage, seepage of water around windows, or a sprinkler that causes damage through an open window. I just listed a few ways you could have water damage, yet not have coverage under a typical condo policy since they are not specifically listed as covered perils. These perils would be covered under the broadened coverage of an all peril policy with Special Coverage A. This is just one example using one peril–water damage. Please remember my posts are intended as a guide. It’s important to read your entire policy to discover the coverages you have and don’t have. Many claims are denied every year because this inexpensive endorsement (almost always less than $50 annually) is not purchased by the client. We at L&M Insurance Group believe this is an important endorsement to your condo insurance policy and believe it is worth the extra premium. Call us today at 813-672-4100 if you have any questions or would like to get a free quote or review of your current condo policy. Remember, we would love to serve all your insurance needs including auto, commercial auto, commercial general liability, homeowners, tenant occupied dwelling, bonds and any other insurance you might require. If you would like to send me an email–use this link. Larry Johnson brings over 23 years of experience writing insurance. He was the owner of Larry Johnson Insurance in Brandon for 13 years, and after selling his agency and taking some time off, he has joined L&M Insurance Group. Larry is excited to be back working with clients meeting their personal lines insurance needs. Call 813-672-4100 to get started

https://landminsurancegroup.com/unit-owners-special-coverage-a-what-is-it/

Enrolled Agent Information An enrolled agent is a person who has earned the privilege of representing taxpayers before the Internal Revenue Service by both passing a three-part comprehensive IRS test covering individual and business tax returns, or through experience as a former IRS employee. Enrolled agent status is the highest credential the IRS awards. Individuals who obtain this elite status must adhere to ethical standards and complete 72 hours of continuing education courses every three years. Enrolled agents, like attorneys and certified public accountants (CPAs), have unlimited practice rights. This means they are unrestricted as to which taxpayers they can represent, what types of tax matters they can handle, and which IRS offices they can represent clients before. Learn more about enrolled agents in Treasury Department Circular 230. How can an enrolled agent help me? Enrolled agents advise, represent, and prepare tax returns for individuals, partnerships, corporations, estates, trusts, and any entities with tax-reporting requirements. Enrolled agents’ expertise in the continually changing field of taxation enables them to effectively represent taxpayer’s at all administrative levels within the IRS. What are the differences between enrolled agents and other tax professionals? Only enrolled agents are required to demonstrate to the IRS their competence in all areas of taxation, representation and ethics before they are given unlimited representation rights before IRS. Unlike attorneys and CPAs, who are state licensed and who may or may not choose to specialize in taxes, all enrolled agents specialize in taxation. Are enrolled agents bound by any ethical standards? Enrolled agents are required to abide by the provisions of the Department of Treasury’s Circular 230, which provides the regulations governing the practice of enrolled agents before the IRS. NAEA members are also bound by a Code of Ethics and Rules of Professional Conduct of the Association. Enrolled Agents are America’s Tax Experts!

https://laurastax.com/what-is-an-ea/

Aug 11, 2023 — With phase one of the I-44 and Highway 75 construction project complete and next phases not underway, there are now several ramp beams—but What are the requirements for workers compensation in California? - The certificate must be written by an insurance company licensed through the California Department of Insurance. - CSLB must be listed as the Certificate Holder. - The contractor's business name and license number must be listed. - The policy number must be listed. What are the requirements for workers compensation in Florida? Under the requirements for workers' compensation in Florida, the claim form must be accompanied by sufficient medical documentation of the injury or illness and proof of lost wages. If there is an injury, make sure you identify all body parts that are or could be affected by the injury, including all areas of pain. What is Section 3700 of the Labor Code? Do independent contractors need workers compensation insurance in NY? It's important to note that in New York, employers are not required to provide workers' insurance coverage to individuals hired as independent contractors. However, independent contractors may still be considered employees even if they don't meet the set requirements for an employer-contractor relationship. Do I need workers comp for independent contractors in California? Workers' Compensation Rights for Independent Contractors in California. Independent contractors are not eligible for workers' compensation coverage; employers are not required by state law to purchase coverage for independent contractors.

https://manwaringconstructionut.com/why-construction-highway-75/

There’s always a risk of underinsurance in a high inflation environment. Inflation is currently affecting the supply of goods and labour in the building industry, pushing rebuild and repair costs up. It means that if an Australian farmer’s sums insured haven’t recently been reviewed, there is a higher risk of the farmer being underinsured, according to ARGIS Farm Underwriting Manager Peter Morsley. Lack of awareness of replacement cost There are two main reasons behind underinsurance on farms, Peter says. The first is a lack of awareness of the true replacement cost of homes, buildings and equipment, and it’s an issue that materialises when prices change, such as during an inflationary event. Peter says this type of underinsurance most commonly occurs when people use market value to determine the sum insured for their dwelling. “Market value is not the same as the rebuilding cost. According to the Australian Bureau of Statistics, construction costs have risen 5% over the past 12 months.” He added that other factors to consider avoiding underinsurance due to increased rebuilding costs are the costs of removing debris and demolition. In bushfire-prone areas, Australians are required to rebuild to new building standards proportionate to their bushfire attack level (BAL) rating and there is the possibility of increased pricing due to demand surges following a major event. Playing the odds The second reason for underinsurance is when farmers deliberately choose to insure their property, assets and business for less than the replacement cost to save on premiums, playing the odds they won’t incur a total loss. Peter contends that this can be a false economy particularly if they experience a total loss. “With fencing and livestock, farmers will sometimes take a small nominal sum insured, thinking that they’ll only ever lose a small proportion unless there’s an event like a major bushfire,” he explains. However, during the Black Summer bushfire event of 2019-20, many farms lost all their fencing, with replacement costs as high as $22,000 per kilometre in some affected states. According to Peter, removing the contents section from a farm client’s policy is another common form of deliberate underinsurance. But he says the risk of losing cover extensions that come with contents cover sometimes needs to be considered. It’s worthwhile considering that the contents section includes automatic cover extensions such as livestock and goods in transit, farming interruption and firefighting costs, all of which are important in the event of a loss. The cycle of underinsurance While some policies include underinsurance clauses that limit the proportion of the sum insured insurers will pay out in the event of underinsurance, some insurers choose not to. Peter says not including this clause can help to protect insureds if a genuine error is made on a sum insured. It can also help the insured if external factors impact the cost of rebuilding in a short time within a policy period. “But it also puts upward pressure on premiums for insurers, which contributes to the cycle of underinsurance we’re seeing, particularly following an unprecedented number of disasters in recent years,” Peter says. “It’s a vicious cycle which means it’s more important than ever for farm insurance sums insured to be reviewed regularly to ensure they reflect current replacement values.” The role of insurance brokers in preventing underinsurance When it comes to buying farm insurance, advice from a well-informed insurance broker is vital. To ensure the sums insured are accurate, insurance brokers need to consider each renewal on its merits, recommending new replacement cost valuations if required. Insurance brokers should also remind clients to keep an up-to-date asset schedule and to contact them any time it changes – not just at renewal – so that a mid-term adjustment can be made. They can also educate their clients on the risk they’re taking if they want to knowingly underinsure, explaining the impact that underinsurance can have on future premiums. Here to help For advice or guidance about the right level of cover for farm buildings and assets, or for general enquiries about farm insurance, you can contact us here. (News article: Avoiding underinsurance on farms. (argis.com.au)

https://regleis.com.au/risk-of-underinsurance/

Victoria police arrest man for U-Haul arson fire A pair of fires that were allegedly sparked at the U-Haul centre on Nanaimo Street in downtown Victoria are shown: (Submitted) VICTORIA -- A man has been arrested in connection to suspicious fires that took place in Victoria earlier this summer, one of which caused significant damage to a U-Haul property. Police say that an arson investigation was launched in June after a suspicious fire was reported at the U-Haul moving and storage facility near downtown Victoria. Reports of a fire at the U-Haul centre first came in around 10 p.m. on June 7. Before firefighters were able to bring multiple fires on the property under control, flames had damaged two portable storage containers and two vehicles. At the time, Victoria deputy fire chief Dan Atkinson told CTV News that the fires were “definitely suspicious.” “We’re confident that these are intentionally set fires,” said Atkinson on June 8. Just over a week later, on June 19, police said they were searching for a person of interest related to the fire. Now, police say that one man has been arrested for the U-Haul fire and for another suspicious incident that involved two fires being lit in a business parking lot in the 600-block of Hillside Avenue on June 7. The suspect was arrested on Aug. 4 at the former Comfort Inn, located in the 3000-block of Blanshard Street, which has been converted into a temporary homeless shelter amid the COVID-19 pandemic. He is now being held in VicPD cells and is facing two recommended counts of arson. Police say the investigation is ongoing.

https://vancouverisland.ctvnews.ca/victoria-police-arrest-man-for-u-haul-arson-fire-1.5052910?cache=yes%3FclipId%3D104062%3Fot%3DAjaxLayout%3FclipId%3D86116%3FautoPlay%3Dtrue

If your fireplace needs repair, there are a few things you can do to fix it yourself. If your fireplace smells, it may be time to get a new one. If your fireplace smells like rotten eggs, it could be a sign of a natural gas leak. If your fireplace makes strange noises, a problem with the blower or burner may be the cause. If your fireplace produces an excessive amount of soot, the problem may be caused by an improperly arranged firebox or chimney, or an obstructed chimney. Contact a reputable Fireplace Repair Las Vegas company to fix the problem for you. If you have experience repairing fireplaces, you may be able to make simple repairs, such as repointing the fireplace or caulking the brickwork. If the problem is more serious, it may be necessary to get a professional to replace the firebox. You may be able to make the repair yourself if you know how to use the tools. If you have no experience in the field, it is important to consult an expert before making any repairs. Depending on the cause of the damage, minor cracks can be repaired. However, more serious cases may require replacing the entire fireplace or insert. This is recommended only in extreme cases. Some common causes of damaged fireboxes are natural disasters, animal infestations, and the burning of household items in the fireplace. In addition to repairing fireplace masonry, chimney repair services also offer comprehensive inspections and repair. They will assess the extent of the damage and recommend the best course of action. The cost of replacing the igniter can range anywhere from $150 to $200. If your fireplace igniter is damaged beyond repair, a replacement will have to be made. However, this replacement is comparatively inexpensive. You should also replace the panels that make up the firebox during the repair process. These panels make the fireplace look beautiful, but they can also be easily damaged or worn. Consequently, you should consider replacing them on a regular basis. The average cost of a fireplace repair service is between $200 and $1,000, depending on the type of fireplace and the amount of work required. Depending on the type of fireplace and its problem, you may need a specialist. For example, a carpenter may be needed if your fireplace is electric. A general fireplace repair specialist may be needed for other types of issues. Most professionals charge a minimum fee of around $100, although some charge more if they have to travel a long distance. Another major repair concern is water damage. Fortunately, fireplaces are not as susceptible to water damage as your electronic devices, but they can still cause considerable damage. Water can damage chimney caps, loose flashing, and mortar, and even erode the fireplace’s foundation. Luckily, many DIY methods for fireplace repair don’t require a professional chimney repair service. The key is to find the right person to make the repair. There are many local chimney repair experts and services in your area, so don’t forget to research each one before hiring someone to work on it. Repointing a fireplace can cost anywhere from $150 to $500. A professional will replace crumbling mortar sections by filling in gaps and joints with fresh mortar. It is best to contact a professional if the repair is more extensive and will require more than one visit. A new fireplace mantle can cost between $490 and $680. A professional fireplace repair service will restore a damaged unit to its former glory by replacing cracked mortar, fixing cracked surrounds, and relining the firebox. A concrete fireplace repair can cost anywhere from $250 to $800. Because concrete is such a durable material, it is tougher than other materials, cracks can appear on the surface. These cracks can expand if left exposed, so you must patch them as soon as possible. On the other hand, Stone fireplace repairs can take anywhere from $150 to eight hundred dollars. However, they may need to be filled with resin or other filling materials. Choosing the right technician to do your fireplace repair is critical for the safety of your home and family. A professional will use the latest tools and techniques to fix your fireplace and chimney, including installing chimney caps, cleaning and inspecting the chimney, and repairing exterior components like retaining walls. A good chimney repair service should also be able to fix the flue and make the fireplace safe to use. In addition, a well-maintained fireplace is a pleasant and comfortable environment.

https://www.alarisproducts.com/tag/gas-fireplace-repair/

Please note, do not place the following items into the A.P.I. Firearm Storage Bag as they may retain moisture and can lead to corrosion if in direct contact with a metal surface: - Leather or fabric holsters - Gun Socks - Slings: Slings may remain attached, however; take extreme caution to ensure the sling does not come into contact with any metal surfaces. - Does a firearm need to be cleaned prior to being stored in a A.P.I. Firearm Storage Bag? - Are wood and polymer parts on my firearm be safe inside an A.P.I. Firearm Storage Bag? - Where should I store my bags and metal objects? - How durable are A.P.I. Firearm Storage Bags? - Should I use desiccant packs in the bag or will that interfere with the normal workings of the chemicals in the bag? - Do A.P.I. Firearm Storage Bags prevent corrosion for 5 years or more? - How do these bags compare with offerings from competitors' VCI Storage Bags? - Once my gun is inside the bag can I fold the bag around the gun so it takes up less space in my safe? - Can I store more than one firearm inside of a firearm storage bag? - Can I apply a light coating of oil or grease when storing a firearm? - Is there a way to repair the bag in case I accidentally tear it?

https://www.apigunbag.com/faqs

British company keston has been designing and manufacturing boilers for over 90 years. Purchased by Ideal boilers in 2006, Keston boilers have been built on site in Hull since 2013. With boiler sizes starting at 30kW, Keston boilers are designed for larger homes that have at least 3 bedrooms and a minimum of 9 radiators. The company has a solid reputation and all of its boilers come with a 7 year parts and labour warranty. One of the biggest selling points of a Keston boiler is its twin-flue system which can be extended up to 27 metres, allowing it to be installed almost anywhere in your home. Keston combi boilers Combi boilers connect directly to your mains water and supply hot water whenever you need it, eliminating the need for a hot water cylinder and a cold water storage tank. Keston manufactures two models of combi boiler: the C30 and C35. Both of these boilers have an efficiency rating of 89.6% and come with a 7 year warranty. Keston regular boilers If you already have a regular boiler installed in your home but need to replace it, it's usually cheapest and easiest to fit a new regular boiler. If you have multiple bathrooms and a high demand for hot water, a regular boiler is the best choice. The Keston heat models are available in either 45kW or 55kW outputs and are ideal for large homes with several bedrooms and more than one bathroom. Keston system boilers There are lots of advantages in fitting a system boiler. They are able to supply hot water to multiple outlets at the same time without losing pressure, and unlike a regular boiler they don’t need a supply of cold water from a storage tank. The Keston S30 is a 30kW boiler, which is more than capable of providing hot water to multiple bathrooms and heating up to 15 radiators. Keston S30 30kW System Gas Boiler

https://www.boilercentral.com/manufacturer/keston/

Investors who own conventional securities, like stocks or bonds, can rely on a level of protective regulation and insurance backing, either through the US government or private policies. However, investors in cryptocurrency don't have the same protections. While there's been demand for cryptocurrency insurance to cover everything from deposits to theft, the primary concern is underwriting risks. Major insurance companies don't feel they can accurately assess risk factors due to a lack of cohesive rules and regulation in the crypto insurance industry. Though newer insurers are diving in headfirst, others are merely dipping their toes to test the temperature. Given this level of unpredictability in a developing industry, how do you know if your cryptocurrency is safeguarded? And if it isn't, can you insure it? Here's everything you need to know about the new world of cryptocurrency insurance. Is my cryptocurrency insured by the US government? No. The federal government provides insurance for cash and deposits of conventional securities, like stocks and bonds, but not cryptocurrency assets -- at least not yet. An independent agency of the federal government, the Federal Deposit Insurance Corporation, generally insures up to $250,000 per person, per bank. It covers all checking accounts, savings accounts, money market deposit accounts and certificates of deposit. It currently doesn't cover cryptocurrency. However, the FDIC is considering it. In an initiative called the Crypto-Asset Policy Sprint, the FDIC has partnered with the Federal Reserve and the Office of the Comptroller to study cryptocurrency and coordinate "policies for how and under what circumstances banks can engage in activities involving crypto assets," according to FDIC Chairman Jelena McWilliams. However, we don't know how long this process will take or if the FDIC will decide to jump into the space at all. Insurance on deposits at brokerage accounts for the purpose of purchasing securities currently falls under the Securities Investor Protection Corporation. Representatives from both the SIPC and the FDIC confirmed that neither currently insures crypto assets. That means there's no federal protection for your cryptocurrency. As far as the government is concerned, you're on your own. Does private insurance exist for cryptocurrency? Yes, but it's still a nascent industry, and protection is extremely limited. "Most crypto assets are not currently covered by insurance, and that's due to the relative immaturity of the cryptocurrency market," said Brian O'Connell, an insurance analyst at Insurance Quotes. The types of private crypto insurance that exist today are not currently targeted for consumers, but are mainly bought by exchanges and crypto wallets. The coverage includes crime and theft, custodial insurance coverage and business insurance, though there are more types in development, according to O'Connell. The future of crypto insurance could include decentralized finance, or "DeFi," insurance, which provides coverage for loss of funds due to lost private crypto keys or service provider shutdown, O'Connell explained. Since crypto insurance exists primarily on the exchange and wallet level, whether you're covered as a crypto purchaser depends on the crypto services you use. Can you purchase personal crypto insurance? Yes. As far as we can tell, there's only one carrier that includes direct-to-consumer offerings: Breach Insurance. Breach's "Crypto Shield" product is the first regulated insurance product for crypto investors. A Boston-based company, Breach is licensed and regulated in 10 states, including Massachusetts, California and New York. You must be a resident of one of the listed states in order to purchase a policy. The company will expand into more states later this year, according to Breach Insurance's CEO Eyhab Aejaz. Breach Insurance currently covers 20 types of coins -- including bitcoin, ethereum and dogecoin -- within exchanges such as Coinbase, CoinList, Gemini or Binance.US. In other words, Breach doesn't insure crypto stored in third-party wallets, only those in certain exchanges. Breach's Crypto Shield is a theft insurance policy, meaning it'll cover hacks and exploitation of exchange's wallets, whether your crypto is held in hot or cold storage. Policies run anywhere from $2,000 worth of coverage to $1 million, and you can choose your deductible -- either 5%, 10% or 15% of the policy amount. Other than Breach Insurance, we haven't found other insurers currently selling policies to consumers. We reached out to national insurers such as Allstate and State Farm, which both confirmed they don't offer crypto insurance at this time. Moreover, the big players getting into the crypto insurance industry also don't appear to sell individual policies for consumers, either, not even the Great American Insurance Group, which was the first insurance carrier to provide crypto insurance. According to O'Connell, the company Etherisc is developing crypto wallet insurance for other insurers to cover crypto assets. If you sell crypto insurance directly to consumers or know a carrier that does, please reach out to us. Do wallets protect your crypto assets? Yes, but the coverage is limited. Coincover -- an insurance-backed cryptocurrency protection platform -- provides protection for many wallets, including Vesto, BitGo and Civic. According to Coincover's CEO David Janczewski, it offers an insurance-backed guarantee underwritten by Lloyd's of London for lost or stolen funds. This means you'll be protected (by virtue of using those wallets) from all theft and loss including brute force attacks, cyberattacks, device theft and hacking. And if your crypto is stolen because Coincover's technology fails to perform, Coincover will pay you back up to the amount you're eligible for (this amount depends on the level of protection the wallet you purchased offers). However, not all wallets come with Coincover protection nor are all wallets insured. You'll want to check the fine print for any wallet you use to understand what protections are offered. Do exchanges also offer crypto protection? You might also be insured through the crypto exchange you use. For example, Coinbase, one of the largest US-based crypto exchanges, carries a $255 million crime insurance policy, according to O'Connell. That coverage kicks in if Coinbase suffers a platform-wide cybersecurity breach. But if a hacker accesses your personal account and steals your crypto, Coinbase's insurance won't cover that. And in the event of a platform-wide cyberattack, you still may not get all of your assets back. Coinbase's website explains that if "total losses … exceed insurance recoveries ... your funds may still be lost." Likewise, BlockFi and Bitstamp, two other crypto exchanges, carry crime insurance. BlockFi provides theft insurance through its primary custodial wallet, Gemini. Bitstamp not only has crime insurance with coverage totaling $300 million -- its assets are also insured through the wallets it uses: BitGo and Copper. Bitstamp stores 95% of its digital assets offline in cold storage, which isn't connected to the internet and is more secure from hacks. Binance.US and FTX, other popular exchanges, didn't respond to a request for comment. The future of the industry The 21st century is witnessing the rise of digital assets, and the crypto insurance industry is starting to emerge along with it. Though it has big potential, it's not quite ripe yet. "Right now, cryptocurrencies are a major risk for insurers, mostly because of their unregulated status," O'Connell said. "It's still a Wild West atmosphere and that's exactly the coverage environment the insurance industry doesn't like." Given the limited coverage that exists today, you'll likely want to brush up on crypto security measures and actions to take if your crypto is stolen. Correction, Feb. 8: Coincover is a technology provider with an insurance-backed guarantee that your crypto funds will not be lost or stolen. Additionally, Coincover does not yet offer a direct-to-consumer product.

https://www.cnet.com/personal-finance/crypto/can-you-insure-bitcoin/

Burning restrictions begin locally June 16, 2023 To help ensure public safety and protect natural resources, the Minnesota Department of Natural Resources has activated burning restrictions for Carlton, Cook, Lake and St. Louis counties. In the area affected by the restrictions, burning permits will not be issued for brush or yard waste; no fireworks may be ignited on any public or private land outside city limits (check with the local community for any additional restrictions); and campfires are allowed only in an established fire ring associated with a home, campground, or resort. No campfires are allowed for dispersed, remote, backpacking, or backcountry camping. The restrictions will remain in effect until terminated by the DNR Commissioner when weather and environmental conditions indicate a reduction in fire danger. Allissa Reynolds, wildfire prevention supervisor, said while residents and visitors in Carlton, Cook, Lake, and St. Louis counties may still see plenty of green vegetation, the current fire situation remains dangerous. With little precipitation and more warm weather in the extended forecast statewide, fire danger is likely to remain high through the end of June. "Unusually dry conditions have increased the risk of fire. One unintentional spark in these conditions could result in thousands of charred acres and property damage," Reynolds said, "This is a dangerous time for wildfires in northeast Minnesota."

https://www.pineknotnews.com/story/2023/06/16/news/burning-restrictions-begin-locally/9450.html?m=true

A home is the largest asset most people have, and that means protecting it is very important. Home insurance provides a wide range of coverage but, like most insurance, it does have exclusions. At Slaughter Insurance Agency in Quinlan, TX, we try to make sure that all of our customers understand what the exclusions are and how you can compensate for them. Things home insurance won’t cover Owner neglect is a wide-reaching term that can be used to refuse coverage for a wide range of issues. If your home is damaged by termites, this is not something that your home insurance will cover, since it is your responsibility to treat your home for termites before they do damage. If you have an aging roof, and it leaks and allows your home to be damaged, it may not be covered since you are expected to maintain your roof. Your insurance carrier has the expectation that you will keep your home in good condition and not let it get run down. Earth movement covers a range of things, not just earthquakes. It also covers sinkholes as well as earth and mudslides. You can purchase a policy that will provide your home with this coverage. Flooding is probably the biggest shock to most homeowners. It can be complicated because some floods result from covered events. If you are in danger, be sure to discuss the possibility of adding flood insurance to your coverage. It is available through the NFIP. Flooding caused by broken pipes is covered. Home sharing messes If you are considering renting your home out through Airbnb or HomeAway you should be aware that damage will not be covered by your traditional home insurance. This is considered business use of your home. We Can Help! Contact Slaughter Insurance Agency in Quinlan, TX for all of your home insurance needs.

https://www.slaughterinsurancegroup.com/blog/2023/07/

Article created by-Otto Fry Browsing the intricate globe of insurance policy protection for alcohol rehabilitation therapy can seem like trying to guide a ship through treacherous waters. On one hand, you understand the significance of seeking help for your alcohol addiction, but on the other hand, you're confronted with the challenging task of determining what your insurance policy will cover. It's an irritating and overwhelming scenario, yet are afraid not, because this post is here to lead you via the procedure. In the complying with paragraphs, we will explore the various insurance policy options offered for alcohol rehab therapy as well as supply you with practical ideas on how to maximize your benefits. We'll also clarify the constraints you may run into and also aid you navigate them effectively. So, order a cup of coffee, take a deep breath, as well as prepare yourself to come to be a master navigator of insurance policy protection for alcohol rehab therapy. Your journey to healing starts right here. Recognizing Insurance Options for Alcohol Rehab Treatment You'll require to thoroughly investigate your insurance coverage options in order to understand what coverage is readily available for alcohol rehabilitation therapy. Beginning by contacting your insurance coverage service provider straight as well as asking about their coverage for chemical abuse treatment. They will certainly be able to give you with specific info concerning your strategy and also any type of constraints or requirements. It is very important to ask about the types of treatment that are covered, such as inpatient or outpatient programs, as well as the length of protection. Furthermore, inquire about any out-of-pocket costs you might be in charge of, such as copayments or deductibles. In addition to contacting your insurance service provider, it can be valuable to speak with a representative from the rehab facility you are considering. https://www.medicalnewstoday.com/articles/acute-schizophrenia have experience managing numerous insurance companies and also can give guidance on browsing the protection procedure. They may also be able to aid you in confirming your insurance policy advantages as well as determining the level of insurance coverage you can expect. Keep in mind that insurance coverage can differ commonly, so it is very important to gather information from numerous sources and compare your choices. By doing your due diligence and completely investigating your insurance choices, you can ensure that you recognize what insurance coverage is offered and also make notified decisions regarding your alcohol rehab therapy. Maximizing Your Insurance Coverage Advantages for Alcohol Rehabilitation To maximize your insurance benefits for alcohol rehabilitation, it's essential to explore methods that can maximize your coverage. One method to do this is by recognizing your insurance coverage plan's specific insurance coverage for alcohol rehab therapy. Familiarize yourself with the details of your strategy, such as the sorts of therapy covered, the period of protection, and also any restrictions or restrictions. Knowing this info will certainly aid you make notified decisions about your treatment alternatives and also make sure that you're utilizing your insurance coverage benefits to the max. One more approach to optimize your insurance coverage advantages is to function closely with your therapy company and insurance provider. They can assist you in navigating the complexities of insurance protection and assist you establish the most effective course of action. They may have the ability to provide assistance on which therapies are probably to be covered and also assist you send the required documents for repayment. Furthermore, they can advocate on your behalf if any type of problems or disparities arise with your insurance protection. By partnering with your treatment company and also insurance provider, you can raise your possibilities of obtaining the optimum advantages available to you for alcohol rehab treatment. Browsing the Limitations of Insurance Coverage for Alcohol Rehab Prepare yourself to dive into the difficult world of insurance limitations when seeking help for alcoholism. Navigating the limitations of insurance policy protection for alcohol rehabilitation can be a complicated and also discouraging process. Numerous insurance policy plans have constraints on the kind as well as size of treatment they will cover. For instance, some plans might only cover outpatient treatment, while others may restrict the variety of days or sessions enabled. It is necessary to carefully review your insurance plan to recognize what is covered as well as what is not, so you can make informed choices concerning your treatment alternatives. Along with limitations on the type and size of treatment, insurance plans may also have limitations on the carriers you can see. Some plans may need you to pick from a network of accepted companies, while others might only cover treatment from certain centers or specialists. This can be specifically difficult if you have a specific therapy center or therapist in mind that is not covered by your insurance. Nonetheless, it deserves checking out all offered alternatives, consisting of out-of-network suppliers or attracting your insurer for an exception. Navigating the constraints of insurance coverage for alcohol rehab can be discouraging, however with determination and also advocacy, you can locate the resources and also support you require to conquer dependency. Finally, browsing insurance policy protection for alcohol rehab therapy can be a difficult trip, but with the appropriate expertise and techniques, you can maximize your benefits and also get over the constraints. Similar to cruising through harsh waters, it may appear daunting in the beginning, yet remember that you're not the only one in this trip. Look for advice from professionals who can aid you recognize your insurance policy options as well as supporter for your demands. By doing so, you can chart a course in the direction of healing and also locate the support you need to navigate the difficulties ahead. Keep in mind, insurance policy coverage is like a compass that can lead you in the direction of the treatment you are worthy of. It may not constantly factor in the instructions you want, however with willpower and also decision, you can locate alternative routes as well as solutions. Do not be prevented by the constraints you might run into along the way. Instead, see them as opportunities to explore various courses and also uncover brand-new resources. Just as a skilled navigator readjusts their sails to adapt to altering winds, you as well can adapt and also discover the very best feasible outcome for your alcohol rehab trip. So, set sail with self-confidence, armed with the knowledge and devices to browse the intricate world of insurance protection for alcohol rehab therapy. Your trip towards healing might have its ups and downs, yet with the right support and also decision, you can overcome any type of challenges that come your method. Keep in mind, you're the captain of your own ship, as well as with the ideal assistance, you can steer towards a brighter, healthier future.

http://issac229willie.xtgem.com/__xt_blog/__xtblog_entry/__xtblog_entry/35059635-browsing-insurance-policy-insurance-coverage-for-alcohol-rehabilitation-treatment?__xtblog_tag=Drug+Addiction+Counselor&__xtblog_block_id=1

Photo courtesy: ananaline/iStock The West Virginia Division of Forestry recently announced the new outdoor burning times that go into effect starting tomorrow, March 1. Forest Fire Season runs each year between March 1 and May 31, and October 1 and December 31. Commonly known as the 5:00 P.M. Burning Law it allows citizens to burn nonflammable material between 5:00 p.m. and 7:00 a.m. According to the West Virginia Division of Forestry website no person can set fire or cause to be set on fire any forest land, or any grass, grain, stubble, slash, debris, or other inflammable materials. Any fire set between 5:00 p.m. and 7:00 a.m. must be extinguished prior to 7:00 a.m. prevailing time. Fire must be attended at all times. Area must be cleared down to mineral soil for a minimum distance of 10 feet around what is being burned. If your fire escapes, you are liable for the costs of fighting the fire and any damage the fire may cause to others. The Clendenin Leader reached out to Kevin Clendenin, Fire Chief for the Clendenin Volunteer Fire Department to comment on safety precautions for the upcoming burn season. Clendenin said, “Never leave a fire unattended. If the fire would happen to get out of your control get away and call for help immediately. Do not attempt to fight the fire by yourself.” He added, “Never start fires with accelerate such as gasoline or burn on windy days.” Walt Jackson with the West Virginia Division of Forestry said, “Debris burning causes most of the fires in West Virginia costing thousands of dollars to fight and hundreds of thousands of dollars of property damage.” “Preventative measures such as keeping water and hand tools nearby to keep fire under control and to not burn during dry and windy days will drastically reduce the chance of starting a fire.” Remember, it is illegal to burn household trash and solid waste. Willfully setting fires is a felony and punishable by fine and/or imprisonment. The maximum fine for the violating the burning law is $1,000. If you have any information regarding arson activity call the West Virginia Arson Hotline at 1-800-233-FIRE (3473). There is a $1,000 reward for information to the arrest and conviction of an arsonist.

https://clendeninleader.com/outdoor-burning-times-change-effective-march-1/

Imagine: a sudden jolt, the crunch of metal, the blare of a horn – you’ve just been involved in a car accident. As the dust settles and you catch your breath, a flurry of questions rushes through your mind. Was it my fault? Is everyone okay? And eventually—how will this affect my insurance? Behind the scenes, insurance companies leap into action, investigating every detail of the incident to determine liability, coverage, and compensation. But How do insurance companies investigate car accidents? Dive into the intricate world of insurance investigations and discover the sophisticated methods used to piece together the puzzle of your car accident. How do insurance companies investigate car accidents When you submit a claim, your insurance company dons its detective hat. They interview everyone involved – from drivers to passengers and even eyewitnesses. The vehicles are meticulously inspected to assess damage and determine fault. Ever wondered why road conditions are discussed? Factors like rain, darkness, or overlooked traffic signals can play pivotal roles in pinpointing responsibility. Why the insurance companies Investigate? Understanding the “why” behind the investigation helps shed light on its importance: - Fault Assessment: Identifying the party at fault can influence insurance premiums and future coverage decisions. - Coverage Analysis: The insurer assesses the damages in relation to the incident’s unique circumstances (like weather) to determine coverage. Prepping for Your Investigation: A Claimant’s Guide Don’t be caught off-guard. Contrary to popular belief, insurance companies don’t just accept every claim. They dissect, analyze, and evaluate. For even minor collisions: - Provide proofs: From medical bills to income losses (if any), be ready with all relevant documentation. - If you’ve sought post-accident vehicle repairs, bring estimates and related paperwork. A claim often hinges on these details. 4. In Conversation with the Adjuster: What to Expect? Your adjuster is not just crunching numbers. They’re piecing together the story. - Your Health: If injured, be clear about your pain intensity and type. Your honesty can pave the way for a fair settlement. - Recounting the Incident: Describe other drivers’ actions, pre and post-collision. Clarity now can save potential legal wrangles later. - Eyewitness Accounts: Witnesses are the unsung heroes of claim investigations, offering an unbiased recount of events. The Clock’s Ticking: Investigation Timeline Insurance companies operate within timelines: - 20 working days to kickstart the investigation. - An additional 30 days to adjudicate on your claim. - If approved, another 30 days for payment disbursement. In essence, a maximum of 80 days should encapsulate the whole process. But remember, knowledge is power. Knowing what your insurance company needs beforehand can expedite matters. Post-Investigation Outcomes: The Verdict Post investigation, one of three things can happen: - You’re At Fault: Expect a formal notification and a heads-up on premium adjustments. - You’re Not At Fault: Breathe easy. You might even be eligible for medical cost reimbursements through the other party’s insurance. - Grey Area: In cases where fault isn’t crystal clear, brace for potential out-of-pocket medical expenses until law enforcement makes a final call. In the maze of car accident insurance claims, knowledge and preparation are your best allies. Understanding the intricacies can make the path smoother and the outcome favorable. Drive safe and stay informed! Why Do Car Insurance Companies Need Accident Investigations? Car insurance companies analyze incidents to determine liability. The at-fault driver’s insurance company must pay for the accident’s losses and injuries. The insurance company can find out who caused the accident and hold them accountable by investigating. Accident damage assessment is another reason vehicle insurance companies examine. The insurance adjuster will check the accident vehicles to assess damage and estimate repair costs. This data is used to determine the insurance company’s damage payment. Accidents are investigated by car insurers to prevent fraud. Unfortunately, some people may try to cheat the system by making bogus claims or exaggerating accident losses and injuries. The insurance company can identify false claims and take proper action by thoroughly investigating the occurrence. Protecting the Insurance Company Finally, automobile insurers examine incidents to safeguard their own interests. Insurance firms are businesses, thus they must avoid overpaying. The insurance company can make an informed choice regarding how much money to pay out by investigating occurrences. What Happens After A Car Accident Investigation? Insurance companies will analyze the findings and decide if they will cover damages or injuries after the investigation. You may require medical documents and expenses to support your claim if you were hurt. The insurance company may want a statement from you or witnesses. The investigation may lead to legal action if the accident was caused by someone. A property damage or personal injury lawsuit may be appropriate. Legal action requires a lawyer’s advice. Fixes and Treatment After the accident, you’ll need to fix your car. The insurance company may supply a list of approved repair shops or you can choose your own. You may need surgery or physical rehabilitation if you were wounded. Attend all appointments and follow your doctor’s directions. If they’re accountable for damages or injuries, the insurance company may pay a settlement. This is a negotiation between you and the insurance company to determine a fair loss amount. Settlement proposals should be discussed with a lawyer first. After an accident, preventive measures should be taken. Take a defensive driving course, put safety equipment in your automobile, or avoid dangerous roads or times of day. How do insurance companies determine who is at fault for a car accident? Investigation and Proof Investigating the accident is the first step for an insurance company to determine fault. This usually involves obtaining evidence from the site, such as photos, witness accounts, police reports, and video footage. To get their side of the story, the insurance adjuster may talk to the drivers and passengers. Insurance Policies and State Laws The insurance firm will also take state regulations and insurance policy terms into account. Insurance policies may specify how fault is decided in car accidents, and each state has its own regulations. Some laws provide that if a driver is under the influence of drugs or alcohol, they are automatically at blame. Some accidents are cause by both drivers. This is comparative negligence, and each motorist is gets a percentage of fault depending on their role to the crash. If one motorist was speeding and the other failed to yield, the insurance company may assign 70% fault to the speeder and 30% to the other driver. The insurance company may consult an accident reconstruction specialist or other experts in difficult circumstances to assess fault. These specialists can use scientific methods to analyze the evidence and provide an objective assessment of what happened during the accident. Once you gather and analyzed all the evidence, the insurance company will make a final determination of fault. This determination will be use to decide which driver’s insurance policy will be responsible for paying for damages and injuries resulting from the accident. What role do police reports play in insurance company investigations of car accidents? Why Do Insurance Companies Need Police Reports? Police reports assist insurance companies in identifying faults. The report will include traffic offenses and other circumstances that may have caused the collision. The police report will also confirm the drivers’ identities and insurance details for insurance providers. How Are Police Reports Used in Insurance Claims? The police report will assist the insurance company in identifying fault following an automobile collision. The insurance company may cover your claim if the police report says you weren’t at fault. The insurance company may refuse your claim or provide a smaller amount of compensation if the police record shows you were at fault. What if I Disagree with the Police Report? Additional evidence or witness accounts can be use to dispute the police report. Police reports are impartial and objective; therefore, insurance companies usually depend on them when investigating claims. How long does it typically take for an insurance company to complete an investigation of a car accident? Given the foregoing circumstances, it’s hard to predict how long an insurance inquiry will take. Most investigations take weeks or months to complete. It may take longer if the investigation is sophisticated or the information is difficult to obtain. The insurance company will usually analyze police reports, witness testimony, and medical records during the investigation. They may also inspect the vehicles involved in the collision and interview the parties and their insurance representatives. Insurance coverage and liability will be determine after the investigation. They will usually pay the other party if their policyholder was at fault. What happens if an insurance company can’t determine who was at fault for a car accident? It can take a long time for an insurance company to settle an automobile accident claim if they can’t assign liability. In such circumstances, insurance companies may use an arbitrator to assess fault. This impartial party assesses the data provided by both parties and makes a decision based on the information. Both sides must explain their argument and give proof if an arbitrator involve in it. This includes police reports, witness accounts, and other important material. The arbitrator will next evaluate the facts and decide who was at fault. Insurance companies may split damages with both parties in particular instances. These are split liability agreements. Even if they weren’t to blame, both parties must pay a percentage of the losses. If both sides can’t agree, the dispute may move to court. A judge will decide who is to blame in court after reviewing both sides’ evidence. Avoiding court can save time and money. How do insurance companies investigate car accidents | Conclusion In conclusion, insurance companies conduct car accident investigations. This includes gathering evidence at the accident scene, reviewing medical records, assessing vehicle damage, interviewing witnesses, and examining police reports. These procedures allow insurance companies to establish accident fault and compensate victims. 1. Why do insurance companies investigate car accidents? - Insurance companies investigate car accidents to determine liability, assess the extent of damages, and to decide how much compensation, if any, is to be paid out based on the details of the policy and the circumstances of the accident. 2. How long does it typically take for an insurance company to complete its investigation? - The duration can vary depending on the complexity of the accident and the clarity of the evidence. However, most investigations are typically completed within a few days to a few weeks. 3. What kinds of evidence do insurance adjusters look for during their investigation? - Adjusters may look for police reports, witness statements, photographs of the accident scene, CCTV footage, vehicle damage, medical records, and any other pertinent evidence. 4. Can I submit my own evidence to the insurance company? - Yes, policyholders and involved parties can and should submit any relevant evidence they have, such as photos, videos, or witness information, to aid in the investigation. 5. What happens if I disagree with the insurance company’s findings? - If you disagree with the assessment, you can appeal the decision, request a re-evaluation, or seek mediation. In some cases, it may be necessary to consult with an attorney. 6. Will my insurance premium go up if I’m found at fault? - It’s possible. Insurance premiums can increase if the policyholder is determined to be at fault, though the specifics depend on the insurance company’s policies and the nature of the accident. 7. How can I expedite the investigation process? - Providing prompt and comprehensive information, cooperating fully with the adjuster, and ensuring that any requested documentation is submitted in a timely manner can help expedite the process. 8. Do all accidents get investigated by insurance companies? - Not necessarily. Minor accidents with clear fault and minimal damage might not require a thorough investigation. However, the specifics will depend on the policies of the individual insurance company. 9. Can I start car repairs before the investigation is complete? - It’s advisable to wait until the investigation is completed and the insurance company gives the green light for repairs. Otherwise, you may risk out-of-pocket expenses or complications with your claim. 10. What role do police reports play in the investigation? - Police reports provide an objective account of the accident and can play a significant role in establishing the facts, especially in cases where fault is contested.

https://www.insuranceguideme.com/how-do-insurance-companies-investigate-car-accidents

Washington lawmakers are considering a bill that would prohibit insurance companies from using credit scores to determine rates or premiums for personal home and auto insurance. During a public hearing this month, regulators, industry stakeholders and consumer advocates testified about the validity of using credit scores to determine an insurer’s risk, the implications of socio-economic inequality and the effect that quitting the practice could have on insurance customers across the state. Senate Bill 5010’s primary sponsor, Sen. Mona Das (D-Kent), said the use of credit scores to determine the cost of insurance is “punitive” and can often have a negative impact on low-income Washingtonians and communities of color, both of which have already been disproportionately affected by the onset of the pandemic. Das argued that being laid-off, cancelling your credit cards, or paying less on your credit bill month to month really has nothing to do with how you drive or how you care for your home — and is not a fair way for insurers to determine their risk when they open insurance policies. “To penalize folks with increased rates or restricted access to coverage just because their credit history suffered during this challenging time is inequitable, unfair and really makes no sense,” Das said. Another sponsor of the bill, Sen. Rebecca Saldaña (D-Seattle), said credit scores can be affected negatively by a number of factors that do not necessarily correlate with risky behavior or an insurer’s risk of loss with a particular customer. Saldaña said she worries that after the recession caused by the pandemic more people will be adversely affected by circumstances out of their control. She admitted that it might be unclear exactly how this policy would affect insurance costs, but said she believes it will be worth the risk. “There are fairer ways that don’t penalize someone for being poor,” she said. Jon Noski, legislative liaison for the Office of the Insurance Commissioner, said that using credit scoring to determine cost of insurance is “inherently unfair,” as studies show that people with lower credit scores pay up to 80 percent more than those with excellent credit scores. Additionally, he said that people with a DUI on their record and good credit pay less than someone who has a good driving record but low credit. “Most people are not aware that their credit scores are used to determine how much they pay for insurance,” said Noski. “Insurers rely on rate setting formulas that include an individual’s credit information to determine how much they pay for critical and often mandatory insurance.” Eric Slavich, lead property and casualty actuary at the Office of the Insurance Commissioner, said he understands why insurance companies utilize credit scores to determine rates because statistically there is a correlation between credit scores and insurance claims, but he said he feels like their use is problematic as it is a “proxy” for race. Slavich said he thought it would be better public policy to consider factors like an individual’s driving record when determining their rates of insurance. He said consumers should be able to understand why certain factors are being used and what they can do to receive better rates. “For example, if you get into an accident or get traffic tickets your premiums will go up, so maybe you drive a little safer,” Slavich said. “That’s good public policy since it encourages safer driving.” But insurance agents like Tami Ellingson of Inspire Insurance Services Inc. DBA Hutson Insurance, and Piilani Benz of Alliance West Insurance Inc., said they are worried that prohibiting the use of credit scores will make all of their customers’ premiums increase, maybe even to the point of not being able to afford it. In addition, without a way to spread the cost of insurance by targeting customers for higher and lower rates, the cost might spread among customers. Slavich estimated that about 50 percent of insurance holders would see their rates go up while 50 percent might see their rates go down. Birny Birnbaum with the Center for Economic Justice, who has studied insurance credit scoring since the early 1990s, refuted both of these claims. “The folks with the best credit scores are currently getting the best rates because insurers view these folks as their most valuable customers,” Birnbaum said. Birnbaum argued that insurers would not increase the rates of their most valued customers or drive them away to other insurance companies that would happily offer them more competitive rates. He called the insurers’ claims of raised rates a “scare tactic.” “Insurers are saying you should ignore the fundamental unfairness of credit scoring because they claim most people benefit,” Birnbaum said during his testimony. “There is no debate that average credit scores are lower for people of color,” said Douglas Heller of the Consumer Federation of America. “Which means that unless you address this problem, the average cost of coverage is higher for people of color.” Heller said insurers do not need to use credit history to effectively rate costs of home and auto insurance. “We know that because we have watched insurers succeed without it,” Heller said. “In California for example, where the use of credit is banned, not only are companies profitable and insurance rates below national average, California is the second most competitive insurance market in the nation.”

https://www.rentonreporter.com/news/lawmakers-consider-prohibiting-use-of-credit-score-to-determine-insurance-rates/

Are you looking for free and effective firewall software to protect your computer system? You have come to the right place. Below is the list of the Top 5 free firewall for Windows operating system. 1. Zone Alarm Basic Firewall Zone alarm basic firewall is amongst the most downloaded and widely used FREE firewall software available. It is a great inbound and outbound OS firewall solution designed to suit every user’s level of experience. With its user friendly interface, even a novice would be able to easily follow the pop up prompts. It protects the system from intrusions and hack threats as well as controls how programs access the web. Users also have the ability to adjust security settings to suit their requirements to the point of being able to turn off the firewall if necessary. 2. Comodo Firewall Comodo firewall is again one of the best free firewall solutions that will provide your system a full featured security package similar to that of a paid product. It has topnotch network defense and proactive defense features against malicious attacks. It also allows for flexibility of security control and customization. 3. Online Armor Free Firewall This is yet another FREE firewall that is powerful enough to protect your computer from external exploitations as it prevents hacker attacks, malicious programs and protects your online transactions and identity. It is also easy to install and manage and does not hinder computer performance. 4. PC Tools Firewall Plus This free version of PC Tools Firewall Plus provides screening of incoming or outgoing website traffic in your system. It also provides an enhanced security verification which alerts user about possible threats. 5. PC Tools Outpost Firewall The free version of outpost firewall provides flexible protection without complicated usability. It has a user-friendly interface designed specifically for average users with simplified alert messages and flexible HIPS. It also provides automatic updates.

https://www.top5freeware.com/top-5-best-free-firewall-for-windows

In the third article of our series, we are addressing the changes that Florida House Bill 837 (“HB 837”) made to the areas of bad faith law and negligent security. Similarly, to the other broad changes in tort law, these provisions will result in differences in many cases that are filed in Florida, as well as how they are litigated. This section will address the bad faith law and the changes that HB 837 has brought to Florida. One of the larger changes to Florida law is the legal framework for bad faith cases. An insurer’s “toolkit” of options to try to avoid bad faith lawsuits has been expanded due to the legislation. The shorter statute of limitations may also have an impact, which was discussed in our first article. Traditionally, Florida common law has clearly recognized that mere negligence or a mistake by an insurance company does not automatically equate to a finding of “bad faith” on the part of an insurance company. Now, HB 837 clearly and explicitly mandates that negligence alone, in and of itself, is insufficient to support a cause of action for bad faith, whether in the context of a statute-based or common law-based claim. Florida’s bad faith law is in place to make certain that insurance companies operating within the state act appropriately, reasonably, fairly, and place the interests of an insured above those of the insurance company. With that in mind, bad faith actions focus on the actions or inactions of the insurance company, its adjusters, and its decision-makers. In the sector of bad faith law, as with all provisions of the law, there is the potential for abuse and utilization of the law for consequences that were not intended originally. Florida has become known as a state where insurance carriers see “bad faith set-ups.” Those may be situations where counsel for claimants attempt to force insurance companies into early settlements for policy limits in which they must respond to unrealistic timed demands, often with incomplete information, and many times, there is a refusal to provide basic information for evaluation, which can include complete billing records, full medical records, prior medical records, or access to other data that would be important for decision making. Further, the setup scenario is also seen by creating other artificial claims-handling and/or settlement traps that are highly technical. These paths have very little to do with an insurance company’s duties and obligations but are designed to lay the groundwork for an unwary company into a situation in which bad faith allegations can be made against it, often in an effort to unreasonably force that company to pay extra-contractual damages. This can be seen with timed demands that make specific requirements for check language, where checks are to be delivered, and rejection of settlement checks if they do not comply to the letter as to the time of delivery, the payee, and/or the exact method of delivery. Further, we also see this in practice when a timed demand states that a release can be signed by a claimant, but that it cannot include certain terms. Usually, such demands will also fail to provide a sample release. Many times, even when a release document is presented that omits what was requested by the claimant’s attorney, an argument will be made that the release did not comply with the demand and thus was a rejection, laying the groundwork for such a case in the future. With HB 837’s changes, the focus is no longer solely on what the insurance company did or did not do, which is a key change. Instead, HB 837 also places a corresponding duty on claimants and claimants’ counsel to act in good faith when providing necessary information regarding a claim, issuing demands to companies, setting deadlines, and making any effort to settle a claim. The new provisions in the law seek to tame some of the abuses of the law and to avoid the situation where attorneys are creating circumstances that may lead to future bad faith when they have nothing to do with actual claims handling. Of key importance, if a claimant or insured does act unreasonably or unfairly in its own actions with respect to a given claim, those actions can be considered in conjunction with the actions of the company, and that insured’s ability to successfully prosecute a bad faith claim and to recover damages in that action may be compromised. In all types of bad faith claims, this evidence will be able to be considered. This aspect of the new law codifies what was previously expressed under Florida common law, which has held that “to fulfill the duty of good faith, an insurer does not have to act perfectly, prudently, or even reasonably. Rather, insurers must refrain from acting solely on the basis of their own interests in settlement.” Novoa v. Geico Indem. Co., 542 F. Appx. 794, 796 (11th Cir. 2013) (internal quotations and citations omitted). This change in the law due to HB 837 should be beneficial to insurance companies. Under the prior law, even minor errors in the claims processing practice could result in a bad faith case, which in turn would result in substantial time and expense to defend against those allegations. HB 837 has amended Florida Statute Section 624.155, Civil remedy. Civil Remedy creates a safe harbor within which the insurer may correct alleged “bad faith acts” by attempting to settle a claim in good faith. As such, this is an immunity provision within Florida law that is available. Thus, an insurer is not liable for bad faith regarding a liability insurance claim (whether brought by statute or by common law) if an insurer: - Tenders the lesser of the policy limits, or - Tenders the amount demanded by the claimant within 120 days after receipt of the actual notice of claim. - In the event there is a failure by the insurer to tender within the 120 days, it is not considered bad faith and is inadmissible in a bad faith action. Moreover, if failure to tender within 120 days, the applicable statute of limitations shall be extended for an additional 120 days. HB 837 also addressed the complex problem of what to do when an insurance company is faced with a claim involving multiple claimants and insufficient policy limits to resolve all such pending claims on behalf of its insured. The prior answer to this problem was created through common law, and the precedent is Farinas v. Fla. Farm Bureau Gen. Ins. Co., 850 So. 2d 555 (Fla. 4th DCA 2003). Farinas provided the framework for how you handle those claims for almost two decades. Importantly, Farinas provided general guidance, but even if you followed the guidance of the case, there was no guarantee you would not see a bad faith action later. This has been an area that has been a dangerous pitfall for many years, but now clarity has been provided by the legislature, with clear guidance on what an insurance carrier should do. HB 837 creates a clear protocol by which a liability company can distribute limited policy benefits when there are multiple claimants presenting competing claims stemming from a single occurrence or accident and the amounts being sought by those multiple claimants are in excess of the available policy limits. In those situations, the law is now as follows: - Where two or more third-party claimants have competing claims arising out of a single occurrence, which in total may exceed policy limits, the insurer does not act in bad faith by failing to tender, if within 90 days of receipt of competing claims it either: - Files an interpleader action, or - Pursuant to binding arbitration agreed to by the parties, the entire amount of the policy limits becomes available. This provision should provide needed guidance and clarity to attorneys, as well as carriers, on what to do in situations where you simply have too many claimants and not enough funds for the claims, without the risk of bad faith. Too often in situations pre-HB 837, parties would attend global settlement conferences with limited information, and they would have to make a choice on what claims to settle and with what amounts. Typically, there would be infighting between multiple claimant attorneys to maximize each of their client’s recoveries (which is understandable), but this created an atmosphere of uncertainty about what the proper procedure was and how to best protect both the interests of the insureds and the carrier. For more information on these topics or related matters, please contact Elizabeth Tosh, email@example.com, 813-642-4229.

https://www.zinoberdiana.com/hb-837-florida-ushers-in-changes-to-bad-faith-law/

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In the dynamic world of digital business, understanding and mitigating cybersecurity risks is not a luxury, but a necessity. At Underdog Cyber Defense, we specialize in revealing the hidden cybersecurity risks that small and medium-sized enterprises often overlook, ensuring your business stays protected against digital threats. The Persistent Threat of Cyber Risks Cybersecurity risks are an ever-present and evolving threat, affecting not just large corporations but also small and medium-sized businesses. These enterprises often lack the resources and cybersecurity know-how, making them appealing targets for cybercriminals. This reality highlights the need for all businesses, regardless of size, to take cybersecurity risks seriously. The Invisible Dangers: Hidden Cybersecurity Risks for Small Business. Like submerged icebergs in your digital ecosystem, hidden cybersecurity risks, such as outdated software, weak passwords, and vulnerable employees, can pose significant threats. It’s these often-ignored factors that can lead to major cybersecurity breaches, impacting your business’s integrity and continuity. The Cost of Ignoring Cybersecurity Risks. Many businesses become acutely aware of the importance of cybersecurity only after suffering a breach. Conducting regular cybersecurity risk assessments is a proactive step that can identify potential vulnerabilities early, enabling timely interventions to fortify your digital defenses. Understanding Your Cybersecurity Risks: A Key Step Recognizing and understanding your business’s specific cybersecurity risks is fundamental. For those not well-versed in technology, conducting a Cybersecurity Risk Assessment can simplify complex concepts, identifying critical gaps in your cybersecurity measures and guiding informed decision-making. Our Comprehensive Approach to Mitigating Those Hidden Risks At Underdog Cyber Defense, we adopt a holistic approach to assess and enhance your cybersecurity posture, focusing on: - People: Assessing your team’s cybersecurity awareness and identifying risks like weak passwords. - Data: Understanding the nature of the data you store, its storage locations, and access requirements. - Network: Evaluating your network’s security, focusing on potential vulnerabilities from IoT devices or outdated systems. - Applications: Scrutinizing the applications in use, their configurations, and the presence of any unauthorized software. This comprehensive understanding aids in identifying cybersecurity gaps and the potential financial risks of a cyber incident. Take Action Against Cybersecurity Risks Now Don’t wait for a breach to prioritize your cybersecurity. Begin strengthening your digital defense today with a complimentary 15-minute consultation from Underdog Cyber Defense. Book your session now and step into a more secure future, armed with the knowledge to combat cybersecurity risks. About the Author Carmine Corridore is a seasoned professional in the I.T. industry with over 30 years of experience. He has held various positions from field tech, team lead, service manager, project manager, and Director of I.T. Currently, he serves as the Client Facing Chief Strategy Officer and President of Underdog Cyber Defense. Carmine is a Rotarian and serves on the local chamber board and several committees. Carmine believes in giving back to the community, and he accomplishes that through donations and sourcing local talent and goods. Carmine is Credentialed and Certified in Cybersecurity.

https://underdogcyber.com/unveiling-hidden-cybersecurity-risks-for-small-business/