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In a world where uncertainties loom large, insurance stands as a pillar of protection against unforeseen events. However, for a significant portion of the global population, traditional insurance remains a distant dream due to various economic, social, and geographical barriers. This is where microinsurance steps in, serving as a beacon of hope for the underserved and marginalized communities. Microinsurance is tailored to meet the needs of low-income individuals and families who lack access to conventional insurance products. It encompasses a range of coverage, including health, life, property, and even weather-related risks, at affordable premiums, making it accessible to those with limited financial resources. One of the primary reasons for the widespread appeal of microinsurance is its flexibility and adaptability to diverse contexts. Unlike conventional insurance models, microinsurance schemes are often designed to suit the specific needs of local communities. Whether it’s protecting smallholder farmers from crop failures or providing health coverage to urban slum dwellers, these initiatives are tailored to address the unique risks faced by the vulnerable. Furthermore, the distribution channels for microinsurance play a pivotal role in its success. Leveraging technology such as mobile phones and digital platforms has enabled wider outreach, even in remote areas where traditional insurance infrastructures are absent. This tech-driven approach not only simplifies the process of purchasing insurance but also reduces administrative costs, making it economically viable for both insurers and policyholders. Microinsurance doesn’t just mitigate financial risks; it also fosters resilience within communities. By cushioning individuals against unexpected setbacks, it empowers them to invest in education, health, and livelihoods without the constant fear of losing everything they have worked for due to a single unfortunate event. However, challenges persist in scaling up microinsurance to reach its full potential. Regulatory hurdles, lack of awareness, and trust issues among the target demographic pose significant barriers. Moreover, sustaining these programs in the long term requires a delicate balance between affordability, coverage, and financial viability. Collaboration among governments, private insurers, NGOs, and local communities is crucial to overcome these challenges. Governments can create an enabling regulatory environment, incentivizing insurers to develop and expand microinsurance products. NGOs and community-based organizations can play a pivotal role in raising awareness and building trust at the grassroots level. In essence, microinsurance stands as a powerful tool in bridging the gap between the privileged and the underserved, offering a ray of hope and protection to those who need it the most. As it continues to evolve and expand, its potential to uplift communities and pave the way for a more resilient and inclusive society remains boundless.

https://www.fingvo.com/microinsurance-bridging-gaps-for-the-underserved/

Compare locksmith insurance quotes now Cheap Locksmith Insurance - Quotes from UK insurance providers - One short form – save time & money Looking for cheaper insurance? Secure & Encrypted We guarantee your confidence when shopping online by following the latest internet security standards. Over three million users Join our ever-growing list of satisfied customers today. You could save time and money Get your quotes by filling in one simple form, compare prices, and start saving. Independent and unbiased service We aren’t owned by or have any investment from any insurance company. What people have to say about us excellent service/well pleased/very satisfied Best search site. Came up with the cheapest. Stepney, United Kingdom 4.75/5 from 3016 customer reviews What is locksmiths insurance and do I need it? Locksmiths will know a thing or two about insurance. After all, its so regularly the locksmith that gets called out when someone has a break in. Locksmiths insurance is just another option for retailers on the high street. They will have heard regularly about insurance claims, good brokers, bad companies, whats cheap and whats costly. Its of course the locks that often have to change after there has been a break in, or evidence that the locks have been tampered with. But where can a locksmith find locksmiths insurance for themselves? There are not going to be specialised providers, because its such a specialised job, and there are not going to be companies advertising for their business, because there is not much money to be made on insurance for locksmiths, because so few companies provide quotes. But don’t think that you can’t therefore save on locksmiths insurance. In fact, by using online system we make it easy for you to see a range of policies. We don’t provide insurance products, but are in the business of trying to make comparison of insurance companies easy. When you compare the insurance option, you are more likely to be able to get a cheap option, with the right sort of coverage, i.e. with additional liability coverage. We aim to take the hassle out of insurance quotes, and you can rest assured that your details are safe with us on our secure site we will only pass your details to our insurers who are happy to give you a quote to get you a great deal on your shop insurance today!

https://www.quotezone.co.uk/commercial-property-insurance/locksmith

The Commercial List was established to hear actions, application and motions in Calgary and Edmonton involving issue of commercial insolvency law. In 2014, the scope and nature of matters that could be heard on the List was expanded to include certain matters that arise under statute, certain types of injunctive relief and urgent commercial matters, subject to the availability of time on the List and the approval of a Justice of the Commercial Practice Group. Commercial Law Steering Committee The Commercial Law Steering Committee considers policy and operational issues associated with Insolvency and Commercial law matters consistent with the Court’s mission and vision. Matters Eligible for the Commercial List (Subject to Change) Matters that may be scheduled on the Commercial List are applications and motions that, in essence, involve the following: a) Bankruptcy and Insolvency Act; b) Companies’ Creditors Arrangement Act; c) Receivership applications and all interlocutory motions to appoint, or give directions to, receivers and receiver/managers; d) Winding-Up and Restructuring Act; e) Bank Act relating to realizations and priority disputes; f) Business Corporations Act (Alberta) and Canada Business Corporations Act with respect to plans of arrangement, other corporate reorganizations and applications involving insolvency; g) Matters relating to the winding up or liquidation of credit unions; and h) Such other emergency commercial matters as the Chief Justice or the Associate Chief Justice or their designates may direct to be booked on the List due to their urgent or time-sensitive nature. The Co-chairs of the Commercial Practice Group may be contacted about the scheduling of long matters, urgent matters and matters that may fall within subparagraph 1(h), above. In such cases, it is expected that counsel shall provide details on the matter, the urgency, expected length and mutually convenient dates. Scheduling a Matter on the Commercial List The documents below set out judicial assignments and time availability for the Commercial List. The grid is set in half hour time slots. Parties may book as many slots as are required, and should advise the Commercial Coordinator of the anticipated length of their application and the nature of the application. The cut-off for bookings is noon on Wednesday of the preceding week. The Court will accommodate emergency applications that may arise after the booking cut-off. Booking Procedures in Calgary and Edmonton for the Commercial Duty List Calgary Commercial Assignments & Availability Edmonton Commercial Assignments & Availability

https://albertacourts.ca/kb/areas-of-law/commercial

Work with a Legal Team Who Truly Cares What is a Product Liability Claim? If you have suffered an injury or other damages as a result of a defective product you may have a basis for a product liability claim. This article discusses what exactly a product liability claim covers, the different, general types of product liability claims, and possible defenses to product liability claims. What is a Product Liability Claim? A consumer that suffers an injury as a result of a product may have a claim for defective product liability. A product liability claim holds responsible a manufacturer or seller for distributing a defective product to a consumer. Responsibility for the injury or product defect lies with every seller or manufacturer in the distribution chain. The subject of product liability suits are products that contain inherent defects, defects which then lead to harm caused to a consumer. Products under which a claim could fall include intangibles, real estate, writings, as well as tangible products. Generally, the law requires that a product must meet the “ordinary expectations of the consumer.” Liability arises when a product has an unexpected defect or there is a danger within the product and it cannot be said to meet the ordinary expectations of the consumer. Product Liability Law There is no federal product liability law. Product liability is strictly covered by state laws. Thus, the exact rules regarding a product liability claim vary from state to state. However, each state has commercial statutes that are modeled on the Uniform Commercial Code which contains warranty rules affecting product liability. Because a lot of states model their statutes on the UCC, most states’ product liability statutes will look similar and will contain similar elements. Depending on the jurisdiction that the claim is based, a product liability claim is usually brought under theories of negligence, strict liability, or breach of warranty of fitness. Although state’s specific product liability statutes will vary, generally a prima facie case for product liability contains the following elements: a defendant sells a product that the plaintiff uses, the defendant is the commercial seller of such a product, the plaintiff suffers an injury, when defendant sold the item was defective, and the defect was an actual and proximate cause of the plaintiff’s injury. What are the Types of Product Liability Claims? The potential for product liability claims has a broad scope. However, generally, there are three main types of categories for product liability causes of action. The three main types of categories are defective manufacture, defective design, or failure to provide either adequate warnings concerning a product or instructions providing proper use of a product. Specifically, products with defective manufacture are those products whose defects occur in the course of a product’s manufacture or assembly. Design defects occur when the defects are in a product from the beginning prior to manufacturing, where there is something in the design of the product that is inherently unsafe. Lastly, inadequate warnings or sometimes referred to as “marketing defects,” occur when there are flaws in the way a product is “marketed” including improper labeling, inadequate instructions, or inadequate warnings. Responsible Parties for Product Defects Anyone in the distribution chain would be liable for any damage caused by the product. Typically those who are held responsible include; the manufacturer of component parts, assembling manufacturer, the wholesaler, the retail store owner, and any other part in the distribution chain. For liability to arise the product must have, at some point, been sold in the marketplace. To recover, typically, you do not have to be the original purchaser of the product if you were injured. The standard is any person who foreseeably could have been injured by a defective product can recover for injuries but the product must have been sold to someone. Strict liability, which means a plaintiff doesn’t need to prove that a manufacturer or other party was negligent but only that the product was defective, usually requires that the product be made in the regular course of the supplier’s business. Overcoming Liability, Common Defenses to Product Liability Claims Courts might use one of two different tests to determine that there is no liability for the defendant even when a product is defective. The first test is the “risk-utility” test. Under this test, the defendant is not held liable for a design defect if the evidence can show that the product’s utility is outweighed by the potential or inherent risk of harm caused by the product. The second test is the “consumer expectation” test. Here, the test asks whether a reasonable consumer would find the defect in a product if the consumer was using the product in a reasonable manner. If a reasonable consumer would not find the defect in the product when using it in a reasonable manner then the defendant is not liable. The defendant is not liable even if the product’s flaw resulted in injury. A common defense raised by a manufacturer is that the plaintiff substantially alerted the product after the product left the manufacturer’s control and that due to this alteration plaintiff sustained their injury. A similar defense is that the plaintiff misused a product, in a way that was unforeseeable, and that caused the plaintiff’s injury. Another defense raised in product liability cases is used when the plaintiff was unable to identify the supplier of the product that caused the plaintiff’s injury. To be successful, a plaintiff must attribute the defective product to the party or parties who were responsible for supplying or manufacturing the product. Thus, when a plaintiff is unable to identify the correct at-fault party the defendant will not be held liable. An exception to this defense is a concept called “market share liability.” This exception applies in cases that involve defective medications. In these cases, where a plaintiff may be unable to identify which pharmaceutical company supplied the drug that injured a plaintiff, each manufacturer will be liable. The amount a particular manufacturer is held liable is in accordance with their percentage of sales in the area where the injury occurred. Product liability actions are typically very complex and quite often, to establish legal fault upon a defendant, assistance, and testimony of experts is required. Call Grover Law Firm Hiring an attorney allows you to focus on your recovery. Your attorney will handle all contact with the at-fault party and their insurance company. Your attorney will work hard to get you a fair compensation. Call Mark Grover with the Grover Law Firm at 913-432-1000 to set up your free consultation today. The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute an attorney-client relationship.

https://groverlawkc.com/blog/2021/10/20/what-is-a-product-liability-claim/

In today’s interconnected world, where businesses rely heavily on digital platforms and technology, the risk of cyber threats looms larger than ever. From data breaches to ransomware attacks, the virtual landscape presents numerous challenges for businesses of all sizes. In this era of constant connectivity, ensuring the security of your online assets is paramount, and one tool that has gained increasing importance is cyber insurance. Understanding Cyber Insurance: Imagine your business as a fortress in the digital realm. You’ve invested time and resources in building robust cybersecurity measures, yet no system is foolproof. This is where cyber insurance steps in as the safety net, offering financial protection in the event of a cyber incident. It goes beyond traditional insurance policies by specifically addressing the unique risks associated with the digital world. The Evolving Cyber Threat Landscape: As technology advances, so do the tactics of cybercriminals. From phishing attacks targeting unsuspecting employees to sophisticated malware designed to exploit vulnerabilities, the threats are becoming more sophisticated and harder to predict. Cyber insurance acknowledges this ever-changing landscape, providing coverage for a wide range of incidents, including data breaches, business interruption, and even reputational damage. Financial Protection in the Face of a Breach: In the unfortunate event of a cyber breach, the financial fallout can be devastating. Costs associated with investigating the incident, notifying affected parties, and implementing necessary security measures can add up quickly. Cyber insurance acts as a financial safety net, covering these expenses and helping your business get back on its feet. Business Interruption Coverage: In the digital age, downtime can be as damaging as a direct cyber attack. Cyber insurance often includes coverage for business interruption, compensating for lost income during the downtime caused by a cyber incident. This ensures that your business remains financially stable even when faced with unforeseen disruptions. Tailored Policies for Your Business: One of the strengths of cyber insurance is its adaptability. Policies can be tailored to suit the specific needs and risks of your business. Whether you operate in e-commerce, healthcare, or finance, a customized cyber insurance policy can address the unique challenges of your industry, providing a comprehensive safety net against potential threats. Encouraging a Culture of Cybersecurity: Investing in cyber insurance isn’t just about protecting your bottom line; it’s also a strategic move to foster a culture of cybersecurity within your organization. Knowing that there’s a safety net in place can empower your team to adopt proactive measures, making your business a less attractive target for cybercriminals. In the age of digital transformation, the importance of cyber insurance cannot be overstated. It’s not just a financial safeguard; it’s a strategic investment in the resilience and longevity of your business. As cyber threats continue to evolve, businesses must stay ahead of the curve, and cyber insurance is a crucial tool in fortifying your defenses against the unpredictable landscape of the online world. So, ask yourself, is your business adequately protected in the digital frontier? Consider cyber insurance as a vital component of your overall risk management strategy.

https://gtnewz.com/cyber-insurance-safeguarding-your-business-online/

July 27th, 2022 COMBINED LOCKS, WI. – A large fire engulfed a paper warehouse on the morning of July 11th requiring one of the biggest emergency fire responses in Wisconsin’s history. The 120,000 square foot warehouse housed raw materials for paper production, with some paper bales weighing more than a ton. The nature of these combustible materials meant the fire spread easily and quickly over the large property. First responders realized more equipment and personnel was necessary upon arriving at the scene around 10:25 a.m. They proceeded to call agencies across the state to assist. In total, 67 agencies responded, with 700 emergency responders. After 26 hours and 6 million gallons of water, the enormous response effort was able to contain the fire with no injuries sustained, and no further damage to the surrounding area. Combined Lock Public Safety has reported that the cause of the fire is not suspicious and likely started from a trailer near the warehouse. Fire Chief Ken Widenbauer, reported that there were no fire sprinklers in that part of the warehouse, as they weren’t initially required by outdated protocols. Fire doors minimized the blaze from reaching other areas of the warehouse. Widenbauer says, “Fire standards and fire safety have come a long way in the last 40 years. We’re looking at ways to mitigate the fire before we even arrive on scene”. Risk Logic can help mitigate fires like these through in-depth fire inspections which ensure that fire prevention systems are up to date and meet current standards. Preventative fire measures and up-to-date safety protocols are essential in warehouses like these, where the materials housed pose a high risk in the event of a fire. Find more information on paper making fire hazards here. Risk Logic inspections can support companies to upgrade sprinkler systems, in efforts to minimize or even prevent fire incidents. Find more information on adequate sprinkler system design and standards here.

https://risklogic.com/industry_news/large-paper-warehouse-fire-in-wisconsin/

User Guide - EDI Portal - Claim Status Inquiry User Guide for Claim Status Inquiry feature of the EDI Portal - Real-time connections – Users receive responses back usually within five seconds. - Access to over 200 payers – Includes many major commercial carriers, BC/BS, andMedicaid plans. (Medicare is not currently participating.) - One-click transmission – No data entry. System automatically identifies whatinformation is needed and sends it to the payer. - Saved responses – Saved for the life of the claim on the EDI Portal website. - Monitor claim status inquiries – Advanced monitoring allows clients to track sent claimstatus inquiries. EDI Portal Overview Search Claim History Lookup any patient, submission dates, or date of service to see if your claim has been accepted by the carrier or rejected and why. Many carriers will accept an acknowledgment of acceptance from claims status as proof of timely ... EDI Portal Enrollment Status You can find this information by following these steps: Click on the Claims Tab Click on EDI Portal Hover over the "My Account" tab to the right of the page. Select "Manage Practices" Click the " View Enrollment Status" tab to the left of the screen ... User Guide - Billing Manager - Claims Billing Manager Claims In this section, we will discuss entering claim information into the Billing Manager. IMPORTANT Navigation within the Billing Manager application to move from one field to the next works best by hitting Tab on the keyboard. The ... User Guide - Billing Applet - Setup User Guide for setting up the Billing applet Billing Applet Claim Status Codes claim_status_codes from Billing Applet as of 2012-09-05 status description 0 Pre-Released 1 Released 2 EDI - Processing 3 EDI Claim Errors 4 System Errors 5 Submitted by EDI 6 Submitted by mail 7 Paid 8 Pending 9 For Review 10 Old (Txfer/Resub/W-O) ...

https://support.practiceadmin.com/portal/en/kb/articles/claim-status-inquiry-user-guide

Rush Limbaugh drug screening Broadcasts New Divorce You will have the buzz approximately with regards to the impact for reforms that Obama shall be moving to present within the extensive sentence cure coverage coverage. Medicare fraudulent legal companies, legal professionals along with rules corporations in addition to his or her’s customers should really receive alert of such large variations throughout problems regarding bogus states with administration clinical applications that include Medicare health insurance, Tricare and even Medicaid. This can desire an array of basic steps enjoy not a lot of policies regarding overall health procedure insurance plans organizations what person attain basically no needed feature. All of the health and wellbeing packages allocated via the health and fitness insurance coverage arrange current market stick to most of these regulations. 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https://watanyasponge.com/2020/07/25/rush-limbaugh-drug-screening-broadcasts-new-divorce/

Churches are institutions that need to be protected against risks even though they are places of worship. Church insurance protects the church and its members from liability and property loss. However, many church leaders might be curious about how much does church insurance cost? how much does church insurance cost The size of the church, the area it is in, the kind of coverage required, and the insurer are some variables that affect the price of church insurance. Church insurance often costs between $1,000 and $10,000 a year. Factors That Affect Church Insurance Cost Size of the Church: The size of the church greatly impacts how much church insurance costs. Greater coverage requirements translate into higher premiums for larger churches. The cost of church insurance also depends on the church’s location. Churches in regions with a greater risk of calamities, crime, or instability may pay a higher price. Type of Coverage: The type of protection required impacts how much church insurance will cost. Liability, property, and workers’ compensation insurance are examples of basic coverage. The price may increase if you add protection, including cyber or sexual misconduct liability insurance. Insurance Firm: The insurance firm you select will also impact the price of church insurance. Before choosing an insurer, it is important to check quotations from multiple providers because different insurers have varied rates and policies. Ways to Reduce the Cost of Church Insurance Although church insurance is required, there are ways to lower the premium costs. Increasing the deductible—the sum the church must pay out-of-pocket before the insurance policy begins—is one option. Another option is implementing risk management techniques like routine safety inspections, training programs, and background checks for employees and volunteers. How much liability coverage do most churches need? Churches serve as community hubs that offer a range of services to both their members and the general public. They are companies that must safeguard themselves against potential liabilities. Liability insurance aims to shield churches against claims and legal action. But how much liability protection do the majority of churches require? Understand the Types of Liability Insurance Understanding the different liability insurance policies available is crucial before deciding how much protection a church needs. General liability insurance protects against personal harm and property loss brought on by church operations. Claims of negligence or errors in the provision of services are covered by professional liability insurance. Liability insurance for directors and executives covers allegations of wrongdoing by the church’s leadership. Assess the risks to the church. Depending on its risks, a church will need a certain amount of liability insurance. For instance, a church that runs a daycare centre or a school will require more liability insurance than one that merely hosts weekly services. It’s crucial to evaluate the dangers facing the church and choose the right level of insurance protection. Consult with an Insurance Agent The easiest approach to choosing the right amount of liability coverage for a church is to speak with an insurance agent. An insurance professional can evaluate the church’s risks and suggest the best coverage. Additionally, they may assist the church in comprehending the terms and circumstances of the coverage and guarantee that the church is sufficiently safeguarded. Consider State Requirements Some states mandate that churches maintain a certain level of liability insurance. It’s crucial to confirm the standards with the state’s insurance department. Fines and penalties may apply if you don’t have the required level of insurance. Are there any discounts available for church insurance policies? If you’re wondering whether any savings are available for church insurance plans, the response is yes. What you need to know is as follows: The multi-policy discount is one of the most prevalent discounts insurance companies provide. You can be qualified for a discount if you have many insurance policies with the same provider, such as auto, home, and church insurance. Your church insurance policy could be significantly cheaper thanks to this discount. Discounts for safety and security Insurance providers frequently give discounts to churches for their efforts to enhance security and safety. You may be eligible for discounts by installing security cameras, fire alarms, and other safety devices. Holding frequent safety training sessions for employees and volunteers can also help you lower the cost of your insurance. Churches and other non-profit institutions are frequently eligible for reductions from insurance providers. Your church must have an IRS non-profit registration to be eligible for this discount. Ask your agent if this discount is available because it can differ based on the insurance provider. You can be qualified for a group discount if your church is part of a bigger denomination or organization. Some insurance providers give organizations who insure numerous entities under one policy discounts. You could save money on your church insurance policy by utilizing this discount. Is it necessary for all churches to have insurance? Yes, to answer briefly. Although having insurance may not be legally necessary for churches, doing so is highly advised. Here are a few causes for this: Churches are not exempt from mishaps, injuries, or property damage. A person may sue a church for medical costs, lost wages, and other damages if they are injured on church property or during an event that is sponsored by the church. In these circumstances, insurance can assist in preventing the church’s financial disaster. Churches frequently possess valuable assets like structures, machinery, and furnishings. Natural disasters, theft, or vandalism all have the potential to harm or destroy these assets. Insurance can assist in defraying the expense of upkeep or replacement, enabling the church to carry out its work without hindrance. If a church employs people, it could be legally obliged to carry particular insurance policies, including workers’ compensation. Employees with work-related injuries can benefit from this sort of insurance, which helps pay for their medical bills and missed wages. What are the liabilities of a church? A church’s liabilities can cover a wide range of risks, from accidents on church property to claims of abuse or improper behaviour by church members. Typical church liabilities include the following: 1. Property damage: Churches may be responsible for any harm to their property, such as if a tree crashes through the roof during a storm. 2. Personal injury: The church could be held responsible if someone is hurt while on a church’s property, such as if they slip and fall on a wet floor. 3. Sexual misconduct: Sadly, churches are not exempt from claims of sexual misbehaviour by churchgoers. A church may be held accountable if it is discovered they were careless in handling these accusations. 4. Employment procedures: Churches may be responsible for unethical hiring or firing practices. Is Insurance Necessary for Churches? Given the various risks that churches may face, it’s crucial to consider whether insurance is required. While having insurance is not legally required for churches, it is often regarded as a smart investment. If something goes wrong, insurance can offer safety and comfort. Depending on the coverage, insurance may cover things like property damage, bodily harm, and accusations of abuse or misbehaviour. Insurance can offer protection for church members and the church as a whole. For instance, insurance may pay for medical costs if a church member is hurt while on church property. Why is church insurance so expensive? Are you the founder or the pastor of a church? If so, you’ve probably questioned why church insurance is so pricey. To ensure that your church is adequately covered, it’s crucial to understand the various aspects of determining the price of church insurance. Inflation Increases the Price of Church Insurance Because of inflation, the expense of maintaining a church has increased over time. This covers insurance payments and expenses like utilities and real estate taxes. Unfortunately, this implies that churches are increasingly pressured to pay more for their insurance coverage due to uncontrollable economic circumstances. An increase in lawsuits against churches A surge in legal actions, including allegations of carelessness against churches, increases insurance prices. These include incidents involving insufficient security, negligence by clergy or employees, and harm to congregants while on church grounds. Church groups must purchase larger liability coverage to be better protected against future legal disputes, which raises prices. Exposure Risk Affects Insurance Rates Suppose churches are at risk for exposure due to undertakings like outreach initiatives or international mission trips. In that case, they may also be subject to higher insurance rates. Without such initiatives, more traditional churches might not experience liability or property damage difficulties that might arise from such activities. To avert substantial losses, should any occur during certain occurrences, greater premiums are required from insurers due to the increased likelihood of difficulties. Location Influences Premiums The area where your church is located may also impact your insurance costs because areas with high crime rates or severe weather would pose larger risks to your assets than areas with lower crime rates and less unpredictable weather patterns. Even if you think your location doesn’t significantly increase the risks mentioned above, it’s still important for any responsible business owner (like yourself) who manages a place of worship to still think about getting enough coverage in case any unfortunate events ever occur down the road when no one expects them to. how much does church insurance cost | Conclusion Any church should invest in church insurance, but doing so can be expensive. The size of the church, its location, the type of coverage, and insurer affect how much church insurance will cost. It’s essential to look around and compare prices from various insurance companies to make sure the church receives the finest protection for an affordable price.

https://www.insuranceguideme.com/how-much-does-church-insurance-cost

If you’re buying a new home, one thing you should have is title insurance. Title insurance covers any issues with the home that the title company doesn’t catch during the home-buying process. For example, if you find out that there were filing errors, back taxes due, liens or unknown heirs to a property, then your title insurance can help cover the cost of handling a dispute. There are two main kinds of title insurance that you may be offered, including: - A warranty of title - Owner’s title insurance What is the difference between these types of coverage? A warranty of title is what you can get if you are purchasing a home with cash and don’t necessarily need title insurance. The seller can be asked to give you a warranty on the title, which states that they have the right to sell the property to you. Owner’s title insurance is different, as it protects you in the case that anyone makes a claim of ownership over the property. While you may not have to have this insurance to complete your home purchase, it’s a good idea to have it in case of later disputes. Not everyone is required to have title insurance, and if your lender doesn’t require it, you may wonder if it’s worth getting. Keep in mind that any liens or claims could be your responsibility if you don’t have insurance to cover you during a dispute. It’s better to be protected with insurance than to find out later that you’re going to have to deal with mistakes made during the home-buying process, some of which could be costly.

https://www.jorgensenlaw.com/blog/2020/10/protect-yourself-with-title-insurance-or-a-warranty/

Life insurance is an important financial tool that many Canadians rely on to protect their loved ones in case of unexpected events. However, life circumstances can change, and sometimes the need for a life insurance policy may evolve. In such cases, individuals may wonder if they have the option to sell their life insurance policies in Canada. If you are someone who is planning to sell their term life insurance in Canada, but not sure if it is possible, continue reading. This blog aims to explore the concept of selling a life insurance policy in Canada, the potential benefits, the process involved, and the factors to consider before making such a decision. The Need to Sell a Term Life Insurance Policy There can be various reasons why you might need to consider selling your life insurance policy in Canada: - Changing Financial Needs: Over time, your financial situation may change, and you may find that the original purpose of your life insurance policy no longer aligns with your current needs. - Premium Affordability: Premium payments for life insurance policies can be substantial. If you're struggling to keep up with premium payments, selling the policy might be a viable option. - Retirement Planning: As you approach retirement, you might have enough assets and savings to cover your financial needs, making your life insurance policy less critical. - Estate Planning: Your estate planning objectives may change, and you want to use the proceeds from selling your policy to fund other aspects of your estate plan. Also Read: How does Life Insurance works in Canada? Can you Sell Your Term Life Insurance Policy in Canada? The answer to this question is yes but with conditions applied. Selling term life insurance in Canada is a practice that hinges on several factors and is not universally applicable. The ability to sell your term life insurance policy largely depends on the province you reside in and the policies of your specific insurance provider. Unlike permanent life insurance plans, term life insurance policies are generally less sought after by life settlement providers due to their temporary nature. One of the critical distinctions between term and permanent life insurance lies in the payout mechanism. Term policies only issue a death benefit if the insured individual passes away during the policy's term, and there is no guarantee that the beneficiary will receive this benefit. This factor makes selling term life insurance more complex. However, there are scenarios in which you may be able to sell your term life insurance policy in Canada: - Conversion to Permanent Life Insurance If you've converted your term life plan into a permanent life policy, such as whole life or universal life insurance, you may have an opportunity to sell it. This is possible only if you have added a conversion rider to your term life insurance. Having a conversion rider allows you to switch to a permanent plan. It's essential to note that the conversion rider often has an expiration date, and your premium rates are likely to increase, although you won't have to prove insurability again. - Terminal Illness Another circumstance where selling a term life insurance policy may be possible is if you are diagnosed with a terminal illness and are not expected to live long. In such cases, you may still qualify for a life settlement or viatical settlement. These transactions involve selling your life insurance policy to a third party, who pays the remaining premiums and ultimately receives the insurance proceeds upon your passing. Also Read: Life Insurance for Non-Residents in Canada Selling Your Term Life Insurance Policy in Canada In Canada, the option to sell your life insurance policy is known as a "life settlement" or a "viatical settlement." You sell your existing life insurance policy to a third party and get the cash payment. Here's how the process generally works: - Eligibility: Not all life insurance policies are eligible for sale. Thus, it is highly imperative to consult an expert life insurance provider to understand the selling process and its consequences. - Evaluation: A life settlement provider assesses your policy's value based on factors like your age, health, policy type, premium payments, and the policy's cash surrender value. - Offers: Once evaluated, you'll receive offers from potential buyers, such as investors or financial institutions, who are interested in purchasing your policy. - Legal Requirements: In Canada, life settlements are subject to provincial regulations. It's essential to comply with the laws in your province when selling a life insurance policy. Note: The cash payment on selling the insurance is primarily tax-free for most policy-holders. Factors to Consider Before Selling Your Term Life Insurance If you're considering selling your term life insurance policy in Canada, it's essential to be aware of several key factors that can significantly impact your decision and the outcome of the sale. Here are some important considerations to keep in mind: - Conversion to Permanent Life Insurance If you decide to sell your term life insurance policy, you will first need to convert it into a permanent life insurance policy, such as whole life or universal life insurance. Permanent policies offer coverage for your entire life and often include a cash value component that can grow over time. - Not Available in all Provinces The option to sell your life insurance policy is not uniform across all provinces in Canada, and not all life insurance companies permit it. Regulations regarding life settlements vary by province, and some provinces may have stricter rules or limitations on the practice. Additionally, not all life insurers include a conversion option in their term policies, making it important to check with your insurance provider to determine if you have the option to convert your policy to a permanent one and explore whether life settlements are permitted in your area. - Consider the Tax on selling It's crucial to be aware that the proceeds from selling your life insurance policy in Canada may have tax implications. The amount you receive from the sale is considered taxable income, and you may be required to pay income tax on that amount. The tax implications can vary depending on factors such as your age, the policy's face value, and the total premiums paid. Consult a tax professional to understand the tax consequences of selling your policy and how it fits into your overall tax strategy. - Financial Assessment: Evaluate your current financial situation and future needs to ensure that selling the policy aligns with your overall financial plan. Understand the value of your policy and compare offers from different settlement providers to get the best deal. - Impact on Beneficiaries Selling your policy means your beneficiaries will no longer receive a death benefit. Consider how this might affect your loved one's financial well-being. Benefits of Selling a Life Insurance Policy Selling a life insurance policy can have several advantages: - Access to Funds: Selling your policy provides you with a lump-sum payment that you can use for immediate financial needs, such as medical expenses, debt reduction, or retirement. - Relief from Premiums: You'll no longer be responsible for paying the ongoing premiums on the policy, which can free up your budget. - Flexible Use of Funds: The proceeds from selling your policy can be used for any purpose, allowing you to address your current financial priorities. Want to Sell Your Term Life Insurance? Consult with Experts At Life Simple Selling a term life insurance policy in Canada is a viable option for individuals whose circumstances have changed and who no longer require the coverage provided by the policy. However, it's crucial to carefully consider the financial implications, explore available options, and consult with professionals to make an informed decision that aligns with your unique situation and goals. At Life Simple, our team of experts is here to help you navigate the intricacies of your policy and make informed choices about your financial future. Reach out to us today for a consultation and make the best decision for your unique situation Whether you choose to keep your policy or sell it, the key is to ensure that your financial strategy continues to provide the protection and security you and your loved ones need.

https://www.life-simple.ca/blog/can-you-sell-your-term-life-insurance-policy-in-canada

Guy Carpenter Logo Vector (.SVG + .PNG)Updated: / Format: .SVG, .PNG / File Size: 2.23 KB As a leading integrated solutions provider to the (re)insurance industry, Guy Carpenter delivers a powerful combination of broking expertise, strategic advisory services, and industry-leading analytics. At Guy Carpenter, leadership goes deeper than management. Over 2,000 professionals work here. Most of them are the very best in the world in highly specialized fields. We are an organization of innovators: in the transfer of risk, in new forms of capital, in actuarial science and analytics. These are the people that our clients want to see on their business: people who know, people who listen, people who deliver new ways to succeed. We are a wholly owned subsidiary of Marsh & McLennan Companies (NYSE: MMC), a global professional services firm offering clients advice and solutions in the areas of risk, strategy, and people. With 60,000 colleagues worldwide and annual revenue exceeding $13 billion, Marsh & McLennan Companies also include global leaders Marsh, Mercer, and Oliver Wyman. Download Guy Carpenter Logo Vector Now GPM Life | Government Personnel Mutual Life Insurance Company Logo Vector Endsleigh Insurance Services Limited Logo Vector Vouch, Inc. Logo Vector Health IQ Precision Medicare Logo Vector Germania Insurance Logo Vector Winnebago RV Insurance Logo Vector Amwins Connect Logo Vector Risk Strategies Logo Vector AHIP – America’s Health Insurance Plans Logo Vector B+H Insurance, LLC (BHI) Logo Vector ACKO General Insurance Limited Logo Vector Aruba Visitors Insurance Logo Vector AVI International Logo Vector Vero Insurance New Zealand Ltd Logo Vector Vero Insurance Australia Logo Vector

https://www.logosvgpng.com/guy-carpenter-logo-vector/

When the unexpected becomes reality, will the claims services from your broker rise to the challenge? At INpower, we view Claims Management as the absolute fulfillment of our professional promise. This is when the rubber meets the road, and our time to show advocacy and support to our clients. As an advocate for our client, our goal is to see that the adjusting and settlement process associated with a loss goes as smoothly as possible. When a loss occurs, our claims team actively engages with adjusters, insurers, and legal representatives to help facilitate the entire process. Our significant experience in handling a broad array of complex claims well position us to provide best in class claims support. INpower’s Claim Management Services include but are not limited to: - 24/7 claim monitoring through closure - Electronic claim reporting - Evaluating carrier coverage - Facilitating communications/carrier and client representatives, including defense counsel - Assisting with coverage dispute resolution - Creating customized claim review/analysis - Development of internal claims procedures and reporting requirements - Providing updates on recent legal opinions and regulatory changes that impact your company Our support and advocacy remain steadfast until settlement of your claim, regardless of size. We welcome the opportunity to show you that we are IN it Together!

https://inpowerglobal.com/services/claims-management/

2010 Porsche Panamera Insurance Quotes If this is your first time buying auto insurance online, it's easy to be confused by the sheer number of companies trying to insure your 2010 Porsche Panamera. Getting better Porsche Panamera insurance prices can be quick and easy. The only thing you need to do is take time to compare quotes online with multiple companies. This is very easy and can be done by putting your zip code at the top of the page. Car insurance premiums for a 2010 Porsche Panamera can be significantly different subject to many criteria. Including but not limited to: - High performance increases premiums - Accidents raise premiums - Home and auto can earn discounts - Use of your vehicle - Optional coverages like vehicle replacement - Your profession - Insurance coverage level - Owning a home can lower rates If you're concerned about not getting proper coverage when buying car insurance direct, that is normal but is not a big issue. Car insurance companies that require consumers to choose their own coverages provide toll-free numbers to help you decide which coverages are appropriate. You may also access online help and live chat so you can feel comfortable buying online. It's important to know that quoting more will help you get lower pricing. Some car insurance companies in your area that provide 2010 Porsche coverage are listed below. - State Farm - Farm Bureau - American Family - Liberty Mutual Multiple car insurance companies can insure your Porsche in your state, and you need to get price quotes for every provider to find the best price. Or to view a list of auto insurance companies in your area click here.

https://quoteclickinsure.com/quote/porsche/panamera/2010/

In order to drive a vehicle on Michigan’s roads and highways, you must have auto insurance. You purchase an insurance policy to protect you and your family against both financial loss and bodily injury if you are involved in an accident. You may think that it’s a simple process when you’re in a car accident to file a claim with your insurance company, and they’ll take care of the rest and get you back on the road. While we hope that it’s that easy, for many folks in Michigan, it isn’t. An insurance adjuster is an employee of the insurance company who is tasked with investigating the claim. An adjuster will decide on a settlement amount that he or she recommends that the insurer pay to a policyholder after an auto accident. An insurance adjuster must make certain that a policy covers a claim and investigate and determine that a claim is valid. He or she will also assess the damages and negotiate with policyholders for the insurer and settle claims. The insurance company will contend that it must do its due diligence prior to paying out on a claim. If they didn’t, they might pay claims that are beyond the scope of the policy’s coverage or claims that are fraudulent. The result would be to deplete their funds that should be used for legitimate claims, driving the company to go out of business. You can’t trust that the insurance companies (both yours and the other driver’s insurer) will be straight with you. Again, that’s because even though you’ve be paying your premiums in the event of an accident, the insurance companies and their adjusters are trying to save money on your claim so that they have higher profits. There are a number of different tactics that insurance companies may use against you in the claims process to pay you less compensation than you deserve. Let’s look at some of the ways insurance adjusters protect profits: The Good Buddy. The insurance adjuster investigating an accident may want you to think that he or she is working on your behalf. The adjuster may be empathetic and sincere; however, the adjuster isn’t working for you—they’re working for the insurer, and their job is to pay as little on your claim as possible. For that reason, they want you to trust them and heed what they say in the claims process—— even if it’s not in your best interests and when you’re in a vulnerable position. Using Recorded Statements Against the Policyholder. Auto accident victims should avoid speaking with insurance adjusters if possible. If you do speak with them, they might try to record your conversation. Talking to an adjuster may impact your claim negatively. Claiming That Your Injury Was Preexisting. It’s not uncommon for the other driver’s insurance adjuster to say that you were injured prior to the accident or that your injuries are from something else. Offering a Lowball Settlement. Money may be tight after an automobile accident. Insurance companies are well aware of this, and rather than offering you the compensation you deserve, they may attempt to decrease what you can recover. This lowball settlement offer is the insurance company’s effort to get you to take whatever they say is appropriate and conclude the claim process. Delaying Claim Payouts. The longer the claim process drags out, the more likely it is that you’ll need money. The delay by the insurance company is designed to “soften” you up that you’ll need money bad enough to take whatever they offer you. Denying Fault. There may be some cases where the insurance adjuster denies a claim entirely by saying the policyholder was at fault. As a result, they will say that you can’t recover compensation for their losses. These are some of the ways that insurance adjusters help their company protect its profits. If you’re in an accident, work with an experienced Michigan auto accident attorney to protect your interests and to hold insurance companies to the terms of their policy. If you or a family member has been seriously injured in an automobile or motorcycle accident in Michigan, contact Buchanan Firm. We will help you pursue compensation against the driver who is responsible and help you negotiate the claims process. For a free consultation with an experienced auto accident attorney in Michigan, contact Buchanan Firm. Our firm proudly serves people all across Michigan, including major cities like Grand Rapids, Muskegon, Detroit, Lansing, Holland, St. Joe, and Ann Arbor, and rural towns such as Lowell, Ada, Fremont, Newaygo, Grand Haven, Rockford, and Cedar Springs. We will meet you after hours, at home or in the hospital, to accommodate you. Contact us today!

https://www.buchananfirm.com/blog/how-insurance-companies-protect-profits.html

Introducing Evertree Mountain States Buying an auto insurance policy that is appropriate for your car and your personal goals in Louisville, CO can require a little time comparing your options. Even though there are a variety of options available, you can compare auto quotes without wasting time by using online services and the assistance of a professional agent. Advantages of Online Tools Online tools offer the opportunity to avoid unnecessary hassles when you are looking for auto coverage. Since the details of any plan can vary and the costs differ with every company, online tools allow you to quickly compare your options and learn more about the coverage that is available. Along with the basic comparison solutions, online auto quotes are provided by several of the top insurance providers within the same agency. You only need to look for information at one location, which prevents wasted time when you want to compare different plans. Talking to Agents If you are not sure about the best plans or you have questions about the policies, then you have the opportunity to talk to a professional about your options as well. A professional agent will answer your questions and provide the details that you need to make the best decision regarding your coverage. Furthermore, an agent will give advice about the best plans based on your situation and goals so that you are never struggling with the coverage options that are available. You can compare the rates, ask questions and find the policy that is best for your needs. There are a variety of ways that you can find an insurance policy that is appropriate for your needs and your goals. To learn more about your coverage options and auto insurance requirements, contact us to talk to an agent today.

https://www.insuranceincolorado.net/2014/10/14/compare-auto-insurance-quotes-online-in-louisville-co/

How do I File an Auto Claim? Filing an auto insurance claim can be a stressful experience but being prepared and following a few key steps can make the process smoother. Here are some tips for filing an auto claim: - Safety First: If you’ve been in an accident, prioritize safety. Check for injuries and call emergency services if needed. Move to a safe location if possible to avoid further accidents or injuries - Document the Scene: Take photos of the accident scene, including the positions of vehicles, any damage, road conditions, and any relevant signage or signals. Exchange contact and insurance information with the other driver(s) involved. - Contact Your Insurance Company: Notify your insurance company as soon as possible after the accident. Most insurers have a specific timeframe within which you must report accidents to file a claim. Be prepared to provide details about the accident, including the time, location, and any other parties involved. - Understand Your Coverage: Review your insurance policy to understand your coverage limits, deductibles, and any exclusions that may apply to your claim. This will help you understand what costs you may be responsible for and what your insurance company will cover. - Provide Accurate Information: When speaking with your insurance company, provide accurate and detailed information about the accident. This includes the circumstances leading up to the accident, the extent of damage to your vehicle, and any injuries sustained by you or passengers. - Follow Instructions: Your insurance company will provide instructions on how to proceed with the claim, including any forms that need to be completed and any documentation required. Follow these instructions carefully to ensure that your claim is processed efficiently. - Get Estimates: If your vehicle requires repairs, obtain estimates from reputable auto repair shops. Your insurance company may have preferred providers or a network of repair shops that offer discounted rates. Be sure to clarify with your insurer before proceeding with repairs. - Keep Records: Keep copies of all documentation related to your claim, including accident reports, correspondence with your insurance company, repair estimates, and receipts for any expenses incurred as a result of the accident. - Be Patient: The claims process can take time, especially if there are disputes over liability or the extent of damages. Stay in communication with your insurance company and be patient as they work to resolve your claim. - Review Settlement Offers: If your insurance company offers a settlement, review it carefully to ensure that it adequately covers your damages. If you have any concerns or questions, don’t hesitate to discuss them with your claims adjuster. Remember, each auto insurance claim is unique, and the process may vary depending on your insurance company and the specific circumstances of the accident. If you’re unsure about any aspect of filing a claim, don’t hesitate to reach out to your insurance company for guidance.

https://www.pacelliinsurance.com/how-do-i-file-an-auto-claim/

Cybersecurity Trends 2024: TÜV Rheinland Identifies Pathways to Effective Cybersecurity Cologne, Germany | 27 November, 2023 Increase in cyberattacks makes cybersecurity a strategic priority for organizations of all sizes / TÜV Rheinland provides insight into challenges and solutions / https://www.tuv.com/cybersecurity-trends Cologne, Germany, 27 November, 2023. TÜV Rheinland’s Cybersecurity Trends 2024 reveal how companies can protect themselves from cyberattacks in an increasingly digital and connected world. The attack surface has expanded significantly, especially for small and medium-sized businesses, which often underestimate their vulnerability. But even large companies with high security standards are not immune to the advanced techniques of professional hacking organizations. Top risks: Phishing, Faster Ransomware Attacks, AI Deployment Top risks such as phishing and faster ransomware attacks continue to dominate the threat landscape, according to TÜV Rheinland experts. The growing number of connected devices exacerbates the threat of ever-increasing vulnerabilities. The use of AI takes the ability to exploit these vulnerabilities to a new level. New technologies are making cyberattacks more effective, while geopolitical crises are creating an environment of heightened risk. “The alarming increase in cyberattacks in recent years has made it clear that companies and institutions of all sizes should consider cybersecurity as a strategic priority,” says Petr Láhner, Business Executive Vice President Industrial Services & Cybersecurity at TÜV Rheinland. Ten key trends for 2024 TÜV Rheinland’s Cybersecurity Trends 2024 provide an overview of ten key trends that organizations need to prepare for. These include stricter cybersecurity regulations, the formation of cybersecurity alliances, the threat to economic survival from cyberattacks, the use of AI in cyberattacks, organized cybercrime, faster ransomware attacks, an increase in vulnerabilities, massive connectivity, and automotive hacking. TÜV Rheinland offers solutions and recommendations to help organizations prepare for these challenges and improve their cyber defense capabilities. For detailed information on the ten Cybersecurity Trends 2024, visit www.tuv.com/cybersecurity-trends at TÜV Rheinland. Your contact for editorial inquiries: TÜV Rheinland Press Office Do you have any questions on this topic or need further information? Please do not hesitate to contact us: Phone: +49 221 806-2148

https://www.tuv.com/press/en/press-releases/cybersecuritytrends-2024.html?wt_mc=Website.tuv-com.no-interface.IT23_I07_TRENDS.IT23_I07_TRENDS_WS.Stage_banner01&cpid=IT23_I07_TRENDS_WS

The Risk Management module The Risk Management module is the most multidisciplinary module of the CERG-C course. It includes several aspects of risk analysis. In particular, this module is focused on the best ways, according to literature, past experiences and lessons learnt, to make sound decisions in order to reduce damages and to mitigate the impact of hazards on societies. Significant time and effort is devoted to understand risk assessment and management tools and methods used in a range of disciplines. The Risk Management module brings together a multidisciplinary team of experts representing fields such as social science, geography, land-use planning, statistics, modeling, and economics. - Scira Menoni (Vulnerability and Land Use) - MODULE CO-RESPONSIBLE - Chris Gregg (Early Warning Systems and Social Studies) - MODULE CO-RESPONSIBLE - Ali Asgary (Crisis and emergency management) - Marc Gordon (disaster risk reduction international policy) - Seda Kundak (Land use planning) - Sam Lagier (Presentation Skills) - Miguel Molina (Media Communications) - Giulia Pesaro (economic vulnerability) - Anna Scolobig (social perception) - Cees Van Westen (Multi-hazard risk assessment) The goal of the Risk Management module is to provide participants with some fundamental tools they can use to assess risk and provide solutions to risk management questions in their respective countries. We show the complexity of managing risk by introducing participants to diverse and often dynamic factors that influence risk, but then we train participants in the application of specific techniques to assess and manage risk across a range of conditions. Associated Field Trip A one week long field trip to the Island of La Palma in the Canary Islands (Spain) allows students to work on risk management in the context of volcanic hazards. Go to the Volcanic Risk page for more information.

https://www.unige.ch/sciences/terre/CERG-C/training/risk

Date and Time Brown's Folly Car Park, Bathford, Bradford-on-Avon BA15 2QP Field Trip Description Brown’s Folly – Great Oolite SSSI nature reserve. The annual, morning clear-up of the Great oolite exposures on the SSSI reserve, near Bathford. Bring your secateurs and hedge trimmers to cut back the vegetation and clean up the outcrops, or just take the opportunity to visit the sites and talk about geology. Meet at 10.30 a.m. at Brown’s Folly Car Park (G.R. ST 798663). Nearest postcode is BA15 2QP, but carry on down the hill, the car park is on the left. Free car park Strong boots, waterproofs and hard hats are required. Club hard hats available to borrow. Paths can be steep and muddy in places. View Larger Map Important Notice: Bath Geological Society Insurance Each person attending a field meeting does so on the understanding that he/she attends at his/her own risk. The Bath Geological Society has Public Liability Insurance Cover for field and indoor meetings, but Personal Accident Cover and Personal Liability Cover remain the responsibility and personal choice of the participant. There may be an element of appropriate cover included in house insurance or in travel insurance: although Bath Geological Society activities are not particularly dangerous members are advised to check whether exclusions apply to activities in which they plan to participate in case they wish to arrange further cover. An annual travel insurance may be the best solution for any member who regularly attends field events: this again is a matter of choice. Please note however that all members participating in overseas events will be required to have travel insurance for the duration of the event: this is so that participants are covered for Medical, Repatriation and Personal Liability expenses. The Personal Accident element remains the personal choice of the member and again members are advised to check exclusions so that they can make an informed decision about the cover they want.

https://bathgeolsoc.org.uk/field-trips/2024-02-10-browns-folly

You are a good driver. You operate your vehicle skillfully. You obey traffic laws, watch the signs and lights, and are aware of what other vehicles are doing. Certainly you know and respect the dangers of driving while distracted – all of this to protect yourself, loved ones and friends who may be traveling with you. So far, so good. These are all things that are in your control. What else is within your control? Protecting yourself against uninsured and underinsured drivers. While it is true that uninsured motorist coverage is required in NY State, the minimum amount required may not be enough. Bad or impaired drivers: not within your control Consider the statistics: There were 879 fatal car accidents on Long Island from 2012 to 2015 resulting in 926 deaths, according to an examination of National Highway Traffic Safety Administration data, which the agency compiles from law enforcement. Victims killed in accidents involving drunken driving accounted for 27.9 percent of all deaths in crashes where at least one driver’s blood-alcohol content was reported. Victims killed in crashes involving speeding accounted for 25.3 percent of all deaths in accidents where at least one driver’s speed was reported. Accidents in which both drunken driving and speeding were factors accounted for 13.3 percent of deaths when both factors were reported. Nationally, 17,775 people died on American roads during the first six months of 2016. Do those numbers give you pause? Now consider that about 14.3 percent of all drivers nationwide are uninsured (about one in seven), according to the Insurance Information Institute. Speaking locally, it is estimated more than five percent of New York drivers do not have insurance. An even greater number do not have enough insurance to adequately cover your medical costs should you be injured in an accident with them. What is uninsured motorist coverage? New York mandates that all registered vehicles in the state carry the following: Liability insurance, no-fault auto insurance, and uninsured motorist insurance. Let’s focus for now on the uninsured danger. Uninsured motorist coverage pays for your economic losses when you are injured in an accident caused by someone who doesn’t have insurance. This coverage is meant to cover your expenses, while regular bodily injury and property damage are meant to cover another diver’s expenses. How much does uninsured/underinsured motorist insurance cost? UIM is much cheaper than standard bodily injury and property damage insurance. Based on premiums collected for a 34-year-old married male sample driver, the premiums for a $25,000/$50,000 limit range only cost between $33 and $76 a year. For higher limits ($100,000/$300,000) premiums only went to $86 and $134 a year. UIM prices will fluctuate between states, however, since some have a higher percentage of uninsured drivers. Is uninsured motorist insurance worth it? Remember the classic Clint Eastwood line, “You’ve gotta ask yourself one question: Do I feel lucky?” Having better uninsured motorist coverage certainly turns the odds more in your favor. In most cases UIM is well worth it. For one, the average hospital bill for a car accident is around $60,000. At $25,000 limits, a car accident with an uninsured driver pays for less than half of the costs, leaving you liable for the rest. A rule in insurance is that you should have enough to cover your net worth, or your value after you subtract your liabilities from your assets. Thus, if you are worth $50,000, you should have UIM limits that reach $50,000. Fortunately, the price difference between the higher limits of coverage is not large. Uninsured motorist example: You get into a crash resulting in medical bills totaling $20,000. Ordinarily you could file a claim for $20,000 from the at-fault motorist’s bodily injury liability coverage, but since the other driver is uninsured, you need to tap into your uninsured motorist insurance. So long as your limits are above $20,000, you should be able to recoup all losses. When you get behind the wheel it is always best to be fully covered by an insurance policy. Adding additional UIM will keep you from further distress if you are injured by an uninsured motorist. Should you be involved in an accident with an uninsured or underinsured motorist, contact Davis & Ferber LLP at (631) 543-2900. We will conduct a thorough investigation of the facts and circumstances of your accident. We will prepare and file all documentation to seek the recovery you deserve, and will be your representative in all legal matters, including insurance interactions.

https://davisferber.com/how-much-is-enough/

In this Vancouver filed car accident injury claim(Sandhar v. Rolston,2012 BCSC 495) the Supreme Court of BC says that at fault driver’s are still responsible for injuries that continue after an intervening injury for which the claimant is at fault. The claimant’s car was struck from behind by another motor vehicle and her car was pushed into another vehicle stopped in front of her. Fault was admitted and the trial proceeded on the assessment of damages. Four year after the motor vehicle accident the claimant injured her shoulder while shoveling snow which resulted in surgery. The judge found that the snow shoveling activity did not reactivate or aggravate the previous injuries, but instead caused a new injury. As that judge stated, ” I conclude the injury from the snow shoveling is divisible. It was not caused by an exacerbation of the injuries from the car accident and cannot be blamed on the defendant.” That does not mean compensation for the injuries from the car accident is cut off from the date the injury claimant shoveled snow. The judge rightly pointed out that if the car accident injuries continued to have their effects after the shoveling injury, the at fault driver remains liable to compensate the injury claimant for those effects. See Dudek v. Li, 2000 BCCA 321. The Court awarded the injury claimant $60,000 for pain and suffering. Posted by Personal Injury LawyerMr. Renn A. Holness

https://holnessandsmall.com/2012/04/11/vancouver-car-accident-injury-award-despite-intervening-snow-shovelling-injury/

If you’re planning to purchase or have just bought a Metro device, you’re probably wondering how you can protect your phone. It can be quite inconvenient when your phone gets damaged, stolen, or lost. To minimize, if not avoid completely, the hassle, getting phone insurance can be a big help. Now you might be considering Metro insurance. But what does it cover, how much does it cost, and how can you get it? Let’s delve into that. What Does Metro Insurance Cover? Metro by T-Mobile, previously known as MetroPcs, offers The Premium Handset Protection Program. It’s a comprehensive insurance plan that covers your device and its major components, such as the standard battery, home charger, and SIM card. Metro insurance plan covers the device regardless of your location in the US. It includes PHP Device Insurance and McAfee mobile security. The price of insurance starts at $5 depending on your device tier and area code. |The insurance doesn’t cover the following: |Mechanical and electrical problems outside the manufacturer’s warranty. |Anything involved in illegal trade or transportation |Loss and theft |Data (photos, media, contacts) |Accidental damage including liquid damage |After-market accessories and equipment |The insurance also covers the following accessories: |Devices entrusted to a non-authorized service center for any service |Standard home charger |Nonstandard external media |Standard SIM card How Much Does Metro by T-mobile Premium Handset Protection (PHP) Costs per Month? For customers in states other than New York, the monthly cost of the Premium Handset Protection plan is $6 per device. It still includes both device insurance and McAfee mobile security. You may opt to get each plan separately for $3 per device. For clients with a New York state area code, the monthly cost of PHP consists of PHP Device Insurance, which varies depending on your device tier, and McAfee mobile security for $3. Premium Handset Protection cost by tier: GO FLIP™ 3 GO FLIP™ 4 4G JOY TAB™ 2 Galaxy J3 Prime G Pad 5™ g stylus 5G one 5G ACE Nord N10 5G Galaxy A32 5G Galaxy J7 Prime Galaxy J7 Star REVVL V+ 5G T-Mobile REVVL 5G Galaxy A51 5G Galaxy A52 5G iPhone® 6s Plus iPhone® 7 Plus iPhone® 12 Mini Galaxy S20 FE 5G iPhone® Xs Max iPhone® 8 Plus iPhone® 11 Pro iPhone® 11 Pro Max iPhone® 12 Pro iPhone® 12 Pro Max iPhone® 13 Mini iPhone® 13 Pro Max Galaxy S20 5G Galaxy Note 10+ 5G Check My Deductible to find your device tier. The coverage includes damages due to drops, falls, or malfunctions as well as theft and loss. Sign up for Metro by T-Mobile Premium Handset Protection Program when you activate or upgrade your device. The monthly premium will be deducted from the credit or debit card you used on your account upon approval. What Happens If Your Device Is Lost or Stolen? You have to call customer service support at 1-800-316-2075 right away if you lost your device or if it was stolen. Otherwise, you may be held responsible for any usage charges that your account will incur on top of your existing rate plan charges. Other costs may apply such as surcharges and additional fees for late notification. When Can You Get Your Replacement Phone? Your replacement phone, when available, will be shipped the next day for free if your claim is approved from Monday to Friday before 8:30 p.m. EST. If the date of claim’s approval took place on Saturday or Sunday before 8 p.m. ET, the expected delivery date will be on the following Tuesday. What Is The Price of The Replacement Phone? The deductibles for damaged and phone malfunctions range from $25 to $99 per claim. What is the Metro Insurance Deductible? Metro Insurance deductible and monthly premiums are as follow: |Current Monthly Premium |New Monthly Premium When Must You Register for Coverage? You must add device insurance to your device within 30 days of activation or upgrade. Your phone must undergo a visual mechanic inspection. Visit your local Metro by T-Mobile store if you want to add device protection or for more information about the insurance program. Meanwhile, you can add the McAfee® Security for Metro® by T-Mobile with ID Theft Protection to your protection anytime. How Can You Apply for Coverage? Applying for coverage is easy. Contact the Metro by T-Mobile’s customer support team or visit your local retail store. How Do You File a Metro Insurance Claim? Filing a Metro insurance claim is easy. Here are the steps you need to follow: - Go to the “File, Continue and Track My Claim” page. - Call Assurant hotline number 1-800-316-2075 to speak with a care specialist. Prepare the following details: - Mobile number, serial number, or IMEI - Your device, make and model - A complete description of what happened to your device - Date of incident - Contact information (may include details on valid government ID) - Account PIN number - Security question - Payment method for the deductible (credit card, debit card) - Preferred place to have the replacement sent In case you don’t know where to look for the serial number of your device, you search for a 15-digit IMEI underneath the battery of your phone or on the purchase receipt or original packaging of your device. You can also dial *#06# if your device is still working to display your IMEI number. When Should You File Your Claim? You must file a claim within 60 to 90 days from the date of the incident. If the device was damaged or is malfunctioning, be sure to have it on hand along with its original prepaid shipping label. What Other Protection Plan Does Metro Insurance Have? Aside from the Premium Handset Protection program, MetroPCS or Metro by T-Mobile offers the following protection plans. PHP Device Insurance For only $2 per month per device, you will get comprehensive coverage for: - accidental damage, including liquid damage - mechanical malfunctions - electrical malfunctions You must add the device insurance within 30 days after you bought, activated, or upgraded your device. Premium Service Bundle You can get all of the essential services in one bundle. The price for Metro by T-mobile’s premium service bundles starts at $9 per month per device, depending on other factors like the area code and device tier. The Premium Service Bundle includes device insurance and other services that will protect your device from unexpected threats and unwanted calls. The services included in the bundle are: - Device protection - McAfee® Security for Metro® by T-Mobile with ID Theft Protection - Scam Shield™ Premium - Call Forwarding - Unlimited Directory Assistance Scam ID, Scam Block, and Caller ID Metro by T-mobile also offers Scam ID, Scam Block, and Caller ID for free and can be turned off anytime. You can turn Scam Block on by dialing #662# and off by dialing #632#. Scam ID informs you if calls come from possible scammers. As its name suggests, Scam Block lets you block possible scammers while Caller ID identifies callers including unknown contacts. McAfee Security for Metro by T-Mobile For only $3 per month, you can protect your device from online threats, data loss, and risky apps. One account can cover up to 10 devices, including tablets, smartphones, Macs, and PCs. This protection allows you to track lost devices, trigger an alarm, lock and wipe data remotely. It includes identity protection and gives you access to a password manager called the TrueKey app. Scam Shield™ Premium This $2 per month protection plan gives you access to advance scam blocking technologies so you can keep scammers at bay. The coverage includes managing your block list, giving you access to reverse phone number lookup, and receiving text notifications when you get voicemails. Storage and Security Bundle Enjoy 200GB of cloud storage for your important files and data with Google One Membership. This plan also includes the scam shield premium for better phone security. You can get this coverage for $3 per month. The security bundle costs $5 per month. It includes the Scam Shield Security and the McAfee® Security with ID Theft Protection. Is Metro Insurance Worth It? Metro by T-Mobile offers various plans for phone protection. The Premium Handset Protection program is an excellent option if you’re looking for insurance coverage that comes at a reasonable price. You may also choose from the other standalone plans that the company has to offer.

https://houseofdebt.org/metro-pcs-insurance-claim/

CFO Jimmy Patronis Announces $11 Million Insurance Fraud Arrest in Broward County CORAL SPRINGS, Fla. – Today, Chief Financial Officer (CFO) Jimmy Patronis announced the arrest of Angela Augustine, an insurance claims adjuster, for allegedly conducting an $11.6 million automobile insurance fraud scheme. Using access to auto insurance claims, Augustine allegedly reopened numerous claims and issued settlement checks to approximately 326 alleged co-conspirators. CFO Jimmy Patronis said, “Insurance fraud is not a victimless crime. It runs up insurance rates for every motorist on Florida’s roadways. It’s especially disturbing when committed by a claims adjuster entrusted with sensitive financial information. I’m thankful to my fraud detectives and the Broward County State Attorney's Office for their hard work on this case and for ensuring this scam artist is brought to justice. We will not stand by and let bad actors use your insurance policy as their personal meal ticket. They will be caught, and they will be thrown in jail.” An investigation by the CFO’s Division of Investigations and Forensic Services, Bureau of Insurance Fraud revealed that between December 2018 and October 2022, Angela Augustine, an insurance claims adjuster, allegedly re-opened numerous previously closed or settled claims and made approximately 1,255 fraudulent payments to approximately 326 co-conspirators for more than $11.6 million. Augustine allegedly fabricated claims on auto insurance policies creating fictitious claimants and documented fictitious scenarios, along with fake documentation, including photos and repair estimates where alleged fictitious claimants suffered damages to either vehicle or other property, to issue liability claim payments. Augustine would then allegedly adjust reserves to support the false documentation and make payments on the claim in the amount matching the falsified documentation. In furtherance of the alleged fraud, the co-conspirators would cash the fraudulent insurance proceeds at a local check-cashing store. Augustine was booked into Broward County Jail on September 27, 2023, on charges including Scheme to Defraud, Grand Theft, and Criminal Use of Personal ID Information. She faces up to 55 years in prison if convicted on all charges. Additional arrests are expected. This case will be prosecuted by the Broward County State Attorney’s Office 17th Judicial Circuit. About CFO Jimmy Patronis Chief Financial Officer and State Fire Marshal Jimmy Patronis is a statewide elected official and a member of Florida’s Cabinet who oversees the Department of Financial Services. CFO Patronis works each day to fight insurance fraud, support Florida’s firefighters, and ensure the state’s finances are stable to support economic growth in the state. Follow the activities of the Department on Facebook (FLDFS) and Twitter (@FLDFS).

https://myfloridacfo.com/news/pressreleases/press-release-details/2023/09/28/cfo-jimmy-patronis-announces--11-million-insurance-fraud-arrest-in-broward-county

Fuel and restoration treatments seeking to mitigate the likelihood of uncharacteristic high-severity wildfires in forests with historically frequent, low-severity fire regimes are increasingly common, but long-term treatment effects on fuels, aboveground carbon, plant community structure, ecosystem resilience, and other ecosystem attributes are understudied. restoration and hazardous fuel reduction In fire-prone forests, self-reinforcing fire behavior may generate a mosaic of vegetation types and structures. In forests long subject to fire exclusion, such feedbacks may result in forest loss when surface and canopy fuel accumulations lead to unusually severe fires. In the prairies of the Pacific Northwest, USA, fire has been reintroduced as a tool for reducing non-native, invasive plant cover and promoting the growth and establishment of native plant communities. Widespread habitat degradation and uncharacteristic fire, insect, and disease outbreaks in forests across the western United States have led to highly publicized calls to increase the pace and scale of forest restoration. Despite these calls, we frequently lack a comprehensive understanding of forest restoration needs. The Summit Post-fire Logging Study was conducted on the Malheur National Forest in Oregon from 1997 through 2011. The study was intended to examine the effects of logging after a severe wildfire burned through a set of 12 stands just north of the Middle Fork of the John Day River, Malheur County. Throughout North America, rapid exurban development is increasing the spatial extent and population density of the wildland urban interface (WUI), exacerbating problems of wildfire risk and biodiversity loss. To address these issues, policy and planning tools need to be targeted toward different types of WUI landowners in the different types of landscape locations they occupy. Mixed conifer forests of western North America are challenging for fire management, as historical fire regimes were highly variable in severity, timing, and spatial extent. We used a combination of field measurements and simulation modelling to quantify the effects of salvage logging, and a combination of salvage logging and pile-and-burn fuel surface fuel treatment (treatment combination), on fuel loadings, fire behaviour, fuel consumption and pollutant emissions at three points in time: post-windstorm (before salvage logging), post-salvage logging and post-surfa Pile burning of conifer slash is a common fuel reduction practice in forests of the western United States that has a direct, yet poorly quantified effect on soil heating. To address this knowledge gap, we measured the heat pulse beneath hand-built piles ranging widely in fuel composition and pile size in sandy-textured soils of the Lake Tahoe Basin. Increasing fire frequencies and uncharacteristic severe fires have created a need for improved restoration methods across rangelands in western North America. Traditional restoration seed mixtures of native perennial mid- to late-seral plant species may not be suitable for intensely burned sites that have been returned to an early-seral condition.

https://nwfirescience.org/taxonomy/term/319

Starting a small business can be an exciting, albeit daunting, adventure. If you’re in the courier industry, one of the essential factors to consider is insurance. So, can you get courier insurance for your small business? The simple answer is, yes. Here’s a comprehensive guide delving into the benefits, types, and ways to obtain courier insurance. Understanding Courier Insurance Courier insurance is a specialised form of commercial vehicle insurance that is tailor-made for vehicles used in courier services. It offers comprehensive coverage to protect couriers from the various risks they encounter while on the job. This includes safeguarding against potential damage to their vehicles and goods in transit, as well as providing coverage for potential public liability issues that may arise. With courier insurance, couriers can have peace of mind knowing that they are adequately protected against the unique challenges they face in their line of work. This service is open to businesses of all sizes. The Benefits of Courier Insurance Comprehensive Financial Protection Protect your business from unexpected incidents like vehicle damage, theft, or accidents on the road. With comprehensive coverage, you can avoid the financial burden of repair or replacement costs, giving you peace of mind to focus on delivering exceptional service to your valued customers. Don’t let unforeseen circumstances derail your success – safeguard your business today! Coverage Beyond Damaged Goods Ensure comprehensive protection for your business by safeguarding against potential liabilities that may arise during the transportation process. With comprehensive coverage, you can swiftly replace any damaged goods during delivery, ensuring utmost customer satisfaction and preserving your business’s impeccable reputation. Crucial Public Liability Cover As a small business owner, it is essential to have the right protection in place. Our public liability cover provides a shield against claims from the public for injuries or damages caused by your business activities. Rest easy knowing that you are covered for legal expenses or compensation claims in accidents or mishaps involving a third party. Demonstrate Professionalism and Customer Care Investing in courier insurance not only protects your business from potential financial losses but also showcases your unwavering commitment to professionalism and customer care. By securing this coverage, you ensure the smooth operation of your courier services, mitigating risks and maintaining the trust and loyalty of your valued customers. With our tailored insurance solutions, you can confidently navigate the challenges of the industry while delivering exceptional service. Types of Courier Insurance There are generally several types of courier insurance available, the main ones are: Courier van insurance provides coverage for any damages sustained by your van in the unfortunate event of an accident. This includes not only repairs but also potential replacements, ensuring that you can get back on the road with peace of mind. With comprehensive coverage options available, you can also protect yourself against theft, vandalism, and other unforeseen incidents that may occur. By having the right van insurance, you can safeguard your investment and enjoy worry-free driving. Goods in Transit Insurance: Goods in transit insurance offers comprehensive coverage for any goods that you are transporting, safeguarding them in the unfortunate event of loss, theft, or damage during transit. Whether you are shipping valuable merchandise, fragile items, or even perishable goods, this insurance provides you with peace of mind by ensuring that you are financially protected against unforeseen circumstances that may arise during transportation. With goods in transit insurance, you can confidently transport your goods knowing that you have a reliable safety net in place. Public Liability Insurance: Public liability insurance provides essential coverage for claims made by the public in case of injuries or damages caused by your business activities. Whether it’s a slip and fall accident or property damage, having this insurance ensures that you are protected financially and can focus on running your business with peace of mind. It acts as a safeguard against unexpected incidents that could potentially result in costly legal expenses and reputational damage. Protecting your business and your customers should always be a top priority, and public liability insurance helps you do just that. Employer’s Liability Insurance: Employer’s liability insurance is a crucial type of coverage for small businesses. If you employ staff within your courier company, this insurance protects you from claims made by employees who have suffered injury or illness as a result of their work. Whether it’s a physical injury caused by a road accident or mental stress due to work conditions, employer’s liability insurance ensures you are financially protected from potential claims. Remember, looking after your employees is not just about providing a safe and healthy working environment, but also having the necessary financial protection in place in case things go wrong. How to Obtain Courier Insurance To obtain courier insurance, it is crucial to start by thoroughly identifying and assessing your business needs. Take the time to carefully review your business operations, considering factors such as the value of the goods you transport, the geographical areas you cover, and the specific type of vehicle you utilise. Once you have a comprehensive understanding of your requirements, approach an insurance company that specialises in providing courier cover insurance. They will assist you throughout the process and ensure that you receive a meticulously tailored policy that aligns perfectly with your unique business needs and circumstances. By taking these steps, you can have peace of mind knowing that your business is adequately protected and prepared for any unforeseen situations that may arise during your courier operations. Courier insurance provides an essential safety net for businesses within the courier industry. It offers protection from a range of potential challenges, from vehicle damage and theft to public liability claims. By securing courier insurance, you not only protect your business financially, but you also demonstrate a high degree of professionalism and care towards your customers. Obtaining courier insurance is a straightforward process that involves assessing your business needs, approaching a suitable insurance provider, and acquiring a policy tailored to your unique needs. In this ever-changing industry, having the right protection in place gives you the confidence and peace of mind to focus on delivering top-notch service to your customers.

https://thebusinessblog.org/can-you-get-courier-insurance-for-your-small-business/

An Insurance Update As a business owner or homeowner, managing your risk is critical to keeping your business going and your family safe. It is important to have an insurance program that is designed that addresses your needs and risks. While insurance covers many kinds of loss, preventing loss can be better. You’re aware that severe weather might strike at any time, so you’ve purchased insurance to assist you in recovering from a storm. You’ll want to get back on your feet as soon as possible if your home or business is damaged by a hurricane, tornado, hailstorm, or other natural disasters. As a result, we urge that you take the following steps to ensure that your claim is handled as quickly and efficiently as possible. If you have a claim, here are some actions to take - Review your insurance and have it ready as a reference. - Assess the damage. - Most insurance contracts require notice as soon as possible following a loss, and your policy includes contact information for filing a claim. - Take action to mitigate any further damage. (typically insurance company will re-reimburse you. - Call your agent or insurers claims hotline. - Be available for the restoration contractor to arrive. - Stay in touch with your adjuster and agent. - Don’t hire a contractor without references and approval from the insurance company. - Take pictures of damage and repairs. - Take inventory of what was lost or damaged. - Don’t toss anything before the adjuster or insurer approves. - Don’t sign any contracts for repairs without discussing it first with your agent, adjuster, or insurer. - Keep all receipts and invoices for every expense you incur after the loss. Understanding your insurance coverages and the claims process will help you recoup as quickly as possible following a loss. Follow these suggestions and contact your insurance agent for further information. Davidson Stewart Morelock Independent Insurance Group LLC (DSM) was formed in 2008 (Originally Stewart Morelock Insurance, est. 2005) by insurance professionals with over 50 years of combined experience in the property & casualty insurance industry….experience includes; senior officers of regional insurance companies & wholesalers, reinsurance brokers, personal & commercial insurance production agents, agency owners, underwriting managers & agency directors. DSM is directly appointed with all major insurance carriers and brokers, and has the capability to place virtually all lines of business and personal lines insurance.

https://www.dsminsurance.com/a-checklist-for-severe-weather-claims/

The Jackman Law Firm provides comprehensive legal representation for persons involved in auto accidents due to the negligence of the other party. Whether you were a driver, bicyclist or pedestrian, if you experienced an accident due to the fault of a reckless driver you are entitled to hold them accountable and obtain monetary compensation for the damages you have suffered. As a local personal injury lawyer, Chris Jackman is familiar with the litany of excuses given by auto insurance companies, including Progressive Insurance (aka Progressive Corporation), as they attempt to defend against a claim. With legal acumen and years of experience, Chris Jackman Law Firm can help you prevail in your auto accident claim. Call today for a free estimate regarding your auto accident case. PROGRESSIVE CORPORATION – A BRIEF HISTORY Progressive Corporation is a massive American car insurance company that brought in $30 billion of revenue in 2018. Founded in 1937, with headquarters in Ohio, Progressive Corporation has grown in financial holdings to be one of the top 10 American insurance companies—although they also now have a branch in Australia. Progressive Corporation offers auto insurance for passenger vehicles – cars, boats, recreation – as well as commercial vehicles, including business cars and truck. They also offer other-indemnity liability insurance for the directors of banks and officers liability insurance. All in all, Progressive currently handles about 13 million active insurance policies. For a free legal consultation, call 206-558-5555 PROGRESSIVE’S REPUTATION FOR FIGHTING CLAIMS Like most big auto insurance companies, Progressive seeks to minimize payouts on claims against their insured drivers. While Progressive is known for under valuing claims, they are most well-known, in this light, for the case of Kaitlynn Fisher—a 24 year old woman who was killed in an auto accident after a Progressive policy holder reportedly ran a red light. Progressive was criticized for fighting the case in court against Kaitlynn Fischer’s surviving loved ones. This sort of thing just makes you feel bad about an insurance company. If they don’t want to pay for a death caused by one of their policy holders, they will likely be reluctant to pay for lesser injuries. YOU NEED THE JACKMAN LAW FIRM TO OBTAIN FULL COMPENSATION FOR YOUR CLAIM If you’ve had an accident with a Progressive policy holder and are filing a claim for compensation regarding injuries sustained, you should know that Progressive’s claims adjusters will offer you about as low an amount as they can justify. Enlisting a lawyer at Chris Jackman Law Firm to deal with the claim on your behalf is the best way for you to receive the compensation you deserve. A professional car accident lawyer at Chris Jackman Law Firm knows all about the kind of games that big-wig auto insurance companies like Progressive play. One of our expert lawyers who specializes in personal injury cases will prevent the Progressive claims adjuster from undercutting your attempts for fairness. WHAT THE JACKMAN LAW FIRM WILL DO FOR YOU Your personal injury car accident lawyer will assist in gathering evidence and facts that empower your case. Obtaining the police report that was written at the scene of the accident provides a frontline factual account of what happened at the time. Medical records can help to prove injuries caused by the crash. Accounts of the medical costs, hospitalization expenses, and lost wages because you couldn’t work due to injuries from the accident will boost the amount of your compensation. All these damages represent losses you suffered that were due to no fault of your own. Therefore, they should be repaid to you. If your case goes to trial, or sometimes beforehand, we will also help you gather medical and legal experts who can legitimize the extent of your injuries and verify the other party’s fault in the accident. A picture is worth a thousand words—in that spirit we like to build up as much photographic evidence as possible regarding the accident and your injuries. Add to this any eyewitness accounts of the accident and your case begins to become unbeatable. We may also ask to inspect the other driver’s car or get a thorough report from the shop that repaired it. All these factors help a competent personal injury lawyer to build a rock solid case and earn you a major payday—which is the light at the end of the dark tunnel incurred by an unwanted auto accident. Complete a Free Case Evaluation form YOU DESERVE FULL COMPENSATION FOR YOUR DAMAGES Most auto accident victims suffer both financially and emotionally. Just having to miss work can cause you problems at your job. Then there’s the hassles of taking care of your kids and your household responsibilities without a working car or with significant injuries. It all adds up to substantial emotional and psychological stress. You deserve compensation for all these problems issuing from an auto accident. At The Jackman Law Firm we’ll help you get the compensation you deserve. Call today for a free no-risk consultation.

https://www.jackmanfirm.com/blog/progressive-insurance/

We know car insurance can be confusing, whether you're new to driving or have spent years behind the wheel. So we've put together this guide to help you get to grips with it: what it is, how it works and what to do to get a better deal. What is car insurance? Car insurance is a legal requirement, every vehicle that is driven or parked on public roads in the UK must be insured and you could face a hefty fine or prosecution if you don't arrange cover. There are different kinds of insurance – more about these later – but they all work on the same basic principle. You pay an insurer – either monthly or in one go – for a policy, then if you are in an accident, or your car is stolen, you can claim against the policy and the insurer will pay some of the costs for putting things right. What are the benefits? It depends on the kind of policy you take out. But broadly speaking, car insurance: Keeps you on the right side of the law – it's illegal to drive or keep a car on the road in the UK without some form of car insurance. Protects you from paying huge costs – comprehensive insurance can cover the cost of repairing your car – and someone else's – if you're in an accident. What are the different types of cover? There are three main types on the market at the moment. 1. Third party Third party insurance is the minimum – and often the cheapest – cover you can legally have in the UK. It covers you for: - Injury to other people, including passengers - Damage to other people's property - Third party damage while you're towing a caravan or trailer– but not for any loss or damage to the vehicle you were towing or your car. This only covers damage to other cars, not to your own, so the cost of repairs would have to come from your own pocket. Sainsbury's Bank doesn't offer this type of insurance, but we do offer the more inclusive policies below. 2. Third party, fire and theft (TPFT) This includes everything you get with third party insurance, plus cover for: - Fire damage - Any damage to your car from theft or attempted theft. But if you're in an accident, it only covers the damage to other cars, not to your own car so any repairs would have to come from your own pocket. This is the most popular type of insurance as it gives you the highest level of cover and includes everything in TPFT, plus a range of additional features. It varies from insurer to insurer, but it can include cover for things like: - Your valuables (sometimes called personal effects) if they're stolen from your car - Accidental damage - Damage to your windscreen - Your medical expenses. - Damage to other vehicles when you're at fault for an accident How do insurers work out what you pay? A lot of factors come into play when insurers calculate your costs. Here are the most common things they consider. 1. Your age and driving experience Generally speaking, the younger and less experienced you are, the more expensive your policy will be. This is especially true if you're under 25. It's because statistics show that younger, less experienced drivers are more likely to be in an accident, so insurers see you as more of a risk. 2. Your job The more time you spend on the road, the more expensive your policy will be. Make sure you're as accurate as you can be when you describe your job, because some very similar roles have very different pricing. 3. Your car As you'd expect, some cars are more expensive to insure than others. Insurers work out the cost by putting cars into groups from 1 to 50: a car in group 1 will be cheaper to insure than a car in group 50. To do it, they look at things like: - How much it's worth – driving an expensive car will usually increase your insurance costs - How fast and powerful it is – the larger the engine the higher the grouping - How likely it is to get stolen. If you'd like to find out more, take a look at our guide to car insurance groups. 4. The way you use your car The more miles you cover and the more often you use your car, the more your insurance policy is likely to cost. So if you drive to work every day, you'll pay more than someone who leaves their car parked at home from Monday to Friday. 5. Your address and postcode If you live in a postcode where there's a lot of car crime, it'll push the cost of your cover up. Ditto if you live in a built up area where there's an increased risk of accidents. 6. Your no claims discount If you have points on your licence or you've made claims in the past, it'll have a big impact on what you pay – even if the accidents weren't your fault. The more years you're claim free, the cheaper your insurance will be because of your no claims discount (also known as no claims bonus). Read our guide to your no claims discount to find out more. 7. Your voluntary excess This is the amount you pay towards any repairs when you make a claim. If you choose to pay a higher voluntary excess, this may reduce your premium and you’ll pay less for your insurance. Just make sure you don't set it so high you can't afford to make a claim. You can find out more in our guide to car insurance excess. Why do I need to tell the whole truth? Because lying to your insurance company is fraud and it could cost you a lot more in the long run if you miss something out. If you lied or withheld a piece of information when you applied, your insurer can cancel your policy and charge you the correct price in a lump sum. They could refuse to pay your claim, meaning you were uninsured when the incident happened. And you could face prosecution for driving without insurance. If any of these things happen, you'll need to declare it on any applications for car insurance you make in the future. This will make it harder and more expensive to find cover. You could end up being blacklisted by every mainstream insurer. So if you're not sure whether your insurer needs to know something, it's best to tell them just to be on the safe side. Are prices affected by gender? No – in 2012, the Gender Directive came into force in the European Union. So insurance companies can't use gender to decide on insurance prices. So what do I need to remember? We hope this has made it easier to understand car insurance, but what are the main points to remember? - It's a legal requirement – all cars that are driven or parked on a public road in the UK must be insured - Choosing your cover – make sure your cover is right for your situation and your budget - Ask questions – if there's anything you're not sure about, speak to your insurer. What else do I need to remember? We hope this guide has made it easier to understand car insurance excess, but what are the main points to remember? - You're in control – choose a voluntary excess that suits your budget. - Weigh up the costs – remember, the higher the excess, the more your repairs could cost. - Ask questions – if there's anything you're not sure about, speak to your insurer or broker

https://www.sainsburysbank.co.uk/car-insurance/guides/what-is-car-insurance

A gateway to the actuarial profession with internationally recognised qualifications What is an Actuary? An actuary is a professional who deals with the application of probability and statistical theories to problems in insurance, investment, pensions and financial risk management. The majority of actuaries work for life, health and property/casualty insurance companies, which heavily rely on actuaries’ judgement to ensure their financial security. Other actuaries work for actuarial consulting firms, offering their expertise on financial services, risk management, health care, pension plans and asset/liability management. Other opportunities are available for actuaries in a variety of industries. Actuaries work with facts, figures and people to solve business problems. They are not only the statisticians of the insurance industry, but also have broader responsibilities in financial management. They frequently evaluate the past, make use of known changes, interpret expected changes and set future directions to determine insurance premiums and retirement benefits. Actuaries work in many capacities within businesses, consulting firms, government agencies and universities, and often fill senior managerial roles in insurance companies, even becoming senior officers or company heads. Most importantly, all actuaries must have a strong aptitude for mathematics and the ability to apply actuarial knowledge to a range of financial situations. How to become an Actuary? - Provides specialist academic and professional training to students in actuarial science - Prepares students for professional examinations to Associateship level UK – Institute and Faculty of Actuaries North America – Casualty Actuarial Society, and Society of Actuaries - Accredited by professional body, while graduates will be exempted from various professional examinations (subject to re-accreditation) UK – Institute and Faculty of Actuaries - Validation by Educational Experience (VEE) obtained North America – Casualty Actuarial Society, Society of Actuaries, and Canadian Institute of Actuaries - Internship opportunities with major insurers, actuarial consulting firms, reinsurers, investment firms, auditing firms, and management consulting firms - Specialisation: The ONLY programme in Hong Kong accredited by Institute and Faculty of Actuaries - Professional recognition: The Department of Statistics & Actuarial Science has been designated a Centre of Actuarial Excellence by the Society of Actuaries since 2011 - Career prospects: Given Hong Kong's booming insurance industry and the rapid development of the mainland China market, actuaries enjoy very attractive career prospects. Recent graduates hold positions in major insurance and reinsurance companies, actuarial consulting firms, and investment banks BSc(ActuarSc) Curriculum Structure (240 Credits) Forty 6-credit courses spanning over 4 years of full-time study Common Core Courses 2nd MAJOR* / *Additional credits required Dr Patrick S C Poon Scholarship in Actuarial Science - 5 scholarships are awarded annually to freshly-admitted first year students with outstanding entrance records, each at HK$50,000 or HK$60,000 - Renewable based on satisfactory performance in each year’s study in the programme The HKU BSc(ActuarSc) programme is the first actuarial programme in Asia to obtain accreditation from the Institute and Faculty of Actuaries (IFoA), the UK's only chartered professional body dedicated to educating, developing and regulating actuaries based both in the UK and internationally. Students who graduate with a BSc(ActuarSc) degree from HKU with the required marks in specified courses will be exempted from taking various IFoA modules (CS1, CS2, CM1, CM2, CB1, and CB2) as they begin their journey towards qualifying as an actuary. Internship opportunities with major insurers, actuarial consulting firms, reinsurers, investment firms, auditing firms, and management consulting firms are provided. The programme assists students by advertising part-time/summer/temporary or full-time positions, sending to employers resumes of interested students, and assisting students in their preparation for the internships. Recruitment activities normally begin six months or more prior to the expected starting date of a position. As an intern, the student will gain insight into the challenging world and daily activities of an actuary while increasing his/her technical, analytical and communication skills. Non-exhaustive list of companies participating in the internship programme: - CHUBB Life Insurance Company - AIA Group Limited - AXA China Region - BOC Group Life Assurance - Census and Statistics Department HKSARG - Ernst & Young - FTLife Insurance - HSBC Insurance (Asia-Pacific) - FWD Life Insurance - JP Morgan - Prudential Hong Kong - RGA Reinsurance - Sun Life Hong Kong - Swiss Re - Willis Towers Watson Actuaries’ duties are varied, challenging and so important that they are frequently called the “brains” of the insurance business. Given Hong Kong’s booming insurance industry and the rapid development of the mainland China market, actuaries enjoy very attractive career prospects. Recent graduates hold positions in major insurance and reinsurance companies, actuarial consulting firms, and investment banks, including but not limited to: The Department of Statistics & Actuarial Science has introduced the Career Advising Programme (CAP) to help students pinpoint their strengths and weaknesses in terms of interview/CV writing skills and better prepare students to seize career opportunities readily. Besides one-to-one tailored consultation on CV and cover letter, the CAP will organise other career-related activities, such as career talks, company visits and mentorship programmes to deepen students’ understanding of the industries. BSc (Actuarial Science) Final Year Student SHU Tong, Lucien 2020 BSc (Actuarial Science) graduate “The actuarial science programme in HKU offered me nearly everything I can think of that is necessary and helpful for one to develop and pursue the profession of actuaries – courses closely tied to exam syllabi of actuarial associations, professional skill training sessions, collaboration with actuarial associations and market players, resources for job opportunities, etc. Through the 4-year study and experience, what I have amassed is not merely the theoretical actuarial knowledge and practical working experience, but the connection to the wider actuarial market and the passion to carry on the further pursuit of the actuarial profession.” CHAN Wing Ho Ronald 2019 BSc (Actuarial Science) graduate "Being recognized by the Society of Actuaries, the programme is arguably the most prestigious actuarial programme offered in Asia. From what I have learnt and experienced throughout the 4 years of study, it is no exaggeration. It has extensive connections with business institutions from various fields for potential job opportunities. Most students graduate with at least an internship experience and several passed actuarial exams, which give us the edge in job applications and career progression. The programme has equipped me with the essential analytical skills and a wide exposure in actuarial, economic, financial and risk management fields to kickstart my career. The comprehensiveness and thoroughness are unmatched by other programmes in related fields. I am grateful for everything learnt here."

https://www.scifac.hku.hk/prospective/ug/6729-bsc-actuarsc

Most Common Causes of House Fires Fires are probably one of any homeowner’s biggest fears. They are typically unexpected and can be devastating to your home and precious belongings. Fires tend to spread quickly and easily, making them extremely dangerous. Because of the damage a house fire could cause, it is imperative to be aware of how you could prevent a fire from breaking out in your home. Follow along to learn more about the most common causes of housefires so you and your family can be prepared and equipped. The number one cause of house fires is cooking accidents. Within these cooking fires, many are caused by leaving the food you are cooking unattended, whether it is from the stove or inside the oven. You must be very cautious and attentive at all times while cooking and using your kitchen appliances. Candles are so pleasant to have around your home. They bring fresh smells and comfort into whatever room they are in. However, candles account for a significant portion of house fires. Unfortunately, it is very common and very easy to forget about a candle you had lit hours ago that is sitting in another room. They are beautiful to have in your home, but they are quite literally an open flame. It is vital never to leave candles unattended. Ensure that there is at least a foot of space between the candle and any flammable materials. Smoking anything such as a cigarette or a pipe only accounts for a small percentage of house fires but is a leading cause of house fire fatalities. It is common to believe that your cigarette is entirely out in your ashtray, but it can spark back up instantly without your knowledge. Fires are also commonly caused by those who accidentally fall asleep with a lit cigarette in their hand. Once a lit cigarette or cigar falls on anything within your home, it is likely to burst into flames, leading to a large fire. The best way to prevent this from happening is only to smoke outside. Fire Damage Restoration with Soil-Away The expert restoration team at Soil-Away understands how devastating a house fire can be for everyone involved. It is crucial to get a team of professionals out for clean-up and restoration immediately if a fire has impacted your home. If a house fire has damaged your home, make sure to call the restoration team at Soil-Away as soon as possible. We are certified, fully insured, and our goal is to help you recover from the damage as quickly and efficiently as possible. If you are recovering from a house fire and need professional restoration assistance, make sure to give us a call at (603) 641-6555.

https://www.soilaway.com/most-common-causes-of-house-fires/

You’re a trusting soul — a nice guy. Your best friend Tom tells you how disappointed he is that his Ferrari is in the shop for an extended stay and he has to miss the next Ferrari Club weekend drive. You have already agreed to spend that weekend with your in-laws, so you tell your friend, “Don’t sweat it. Take my 488 — just be careful with it!” Tom is as careful as you would hope — attentive driving, no excessive speed, no stupid passing, and cautiously parked at the drive’s lunch stop where no one could possibly bang into it. When he leaves the restaurant after lunch, he gets a little distracted by the rapid exodus of Ferraris, turns late to avoid an incoming car, and snags a telephone pole with your right front fender. Tom is a stand-up guy and calls you right away. “I am absolutely mortified to have made such a bonehead error. But don’t worry about it, I’ll have my insurance company take care of it, and I will cover the deductible. After all, you were doing me a huge favor lending the car to me, and it’s all on me.” Primary and secondary coverage Tom promptly submits the claim to his auto insurance carrier, and they ask him for your name and insurance information. Next thing you know, you get a call from your insurance company’s adjuster telling you not to worry, they are going to fix your 488 “as good as new.” You express surprise as to why your insurance company is doing this instead of Tom’s. “Hey, look, I don’t want this on my insurance policy record. I want Tom’s insurance company to pay the claim.” Unfortunately, that is not how the insurance world works. In the United States, automobile insurance is tied to the car, not to the driver. That means that your policy provides primary coverage, and Tom’s policy provides secondary coverage. In secondary position, his carrier pays the claim only to the extent that the damage exceeds your coverage. That is because all policies insure not only your errors but also any damage caused by anyone whom you allow to use your car, also known as a permissive user. You can’t change this with an agreement with your friend. Even if you have a written agreement, signed in blood and notarized, that your friend and his policy will be fully responsible for all damages, your insurance coverage remains primary. Even if your friend agrees not to submit a claim to your insurance company, his insurance company will do it for him. There is no good way around this. This can easily wreak havoc on your insurance coverage. Let’s say your insurance carrier isn’t terribly happy about having to pay $30,000 to repair a dented fender and scratched bumper. They hit your policy with a chargeable claim, which can increase your future insurance rates. It might even result in the cancellation of your policy. Of course, this is totally unfair. You do a friend a favor and you end up screwed. Can you make your friend pay to bring your car to a repair shop? Unfortunately, that’s not likely. His error damaged the car, but your insurance company paid the claim and repaired it. The secondary “(consequential” in legal-speak) damages are not related directly enough to his error to be actionable. Let’s spice up the story a little bit. Let’s say Tom was not very careful, drove recklessly, and got into a crash that severely injured or killed an innocent person in another car. Of course, your insurance carrier will cover the claim. Now that it’s a really big one, you can probably kiss your policy goodbye. But what if the claim exceeds your insurance coverage? Once your insurance company pays its maximum coverage amount, secondary liability moves to your friend’s policy, and his carrier pays the claim to the extent of its coverage limit. If it carries a low, legal-minimum level of coverage, the injured parties can recover from your friend’s assets. Can they also come after you? That depends, of course. As the owner of the car, you are not automatically liable for everything your friend does while driving it. We have a fault-based system, so the injured parties can only hold you liable if you were negligent in some way. You weren’t in the car, so your friend’s bad driving isn’t your negligence. However, if you had reason to know that your friend was a reckless driver who took too many chances and could be expected to get into a crash, then you could have been negligent in lending him the car to begin with. Let’s switch to a different — but related — situation. Let’s say you are restoring your 1957 Porsche Speedster and decide that an engine shop 2,000 miles away is the right one to rebuild your engine. You carefully crate the engine and ship it to the shop by common carrier — UPS, trucking company, etc. ... You pay the shop $25,000 for the rebuild, and they put the engine back in the same crate and ship it back to you using the same carrier. Somehow, the engine never gets back to you — either it’s stolen in transit, or it just gets delivered to the wrong place and is never heard from again. Who pays? First, always, is your insurance company. But it insures your car, and you still have your car. The engine was certainly part of your car, but once you removed it from the car, it became just a car part. Does your policy still cover the loss? That depends on the policy wording. What about the engine shop? Again, we live in a fault-based legal system, and they are only liable if they were negligent in some way. They could certainly be liable for engine damage if they didn’t crate the engine properly, but to be liable for the disappearance of the engine, you would have to show that they either misaddressed the package or were negligent when they selected the carrier. However, as this story has been constructed, they used the same carrier you used, and it would be hard to say they were negligent in that selection. Note to the wise: If you’re the shop, it’s best to insist that the customer select the carrier and mode of shipment. That leaves the carrier. If the package just mysteriously disappeared, they are probably liable. If the engine was stolen, then their liability would depend upon whether they took reasonable precautions to safeguard the package. If they did, and it still got stolen, like a hijacked truck in the old gangster movies, then they may not be liable for the loss. Also, their transport agreement may limit their liability to the replacement cost of the lost item, or perhaps even to some minimal value per pound. For this reason, it is always critical to make sure you have adequate insurance to cover the parts being transported. If your automobile policy does not cover this, you can always buy insurance to cover the parts while being transported. Most transport companies simplify that by offering it to you when you place the shipping order. Another note to the wise: If you’re the shop, advise the customer to buy adequate insurance. How much is enough? We’ve scratched the surface of the ultimate question here. Let’s say some insurance company buys you a replacement engine for your Speedster. Is that enough? You once again have a complete car, but it is no longer a numbers-matching Speedster. That can mean as much as a $100,000 in diminished value. Can you recover that? Unfortunately, that does not seem likely. You separated the engine from the car. The intrinsic value of the engine is its replacement cost. It is only when the engine is mated with the original car and all the other original parts that it contributes to the enhanced value of a numbers-matching car. Separated from the car, the engine is just a car part. The carrier, the shop and your shipping insurance company are going to insist that their liability is limited to the replacement cost of the engine. That would seem to hold true even if you paid for an extra $100,000 of value when buying shipping insurance. The higher value likely serves as a ceiling on the amount of coverage. In essence, the insurance coverage is likely to be “replacement cost not to exceed the coverage amount.” These policies are not agreed-value policies, as we are familiar with when insuring our cars with collector-car policies. Oddly enough, you might be better off shipping the whole car to car removal. If the whole car is lost, the full value can be insured. And if it suffers partial damage, the diminished value may be recoverable. But, of course, you can’t always ship a whole car to an engine shop, so practicality comes into play. It may be that there is no good answer, and you just have to take your chances when shipping precious, original parts. ♦ John Draneas is an attorney in Oregon. He can be reached through www.draneaslaw.com. His comments are general in nature and are not intended to substitute for consultation with an attorney.

https://www.sportscarmarket.com/columns/legal-files/when-a-friend-crashes-your-car

If you’re a Wisconsin homeowner located in the area that was hit with the 2019 wind storm that started in Grantsburg, Wisconsin and then ravaged Luck, Balsam Lake, Turtle Lake, Cumberland, Milltown, Horseshoe Lake, Almena, Barron and many other towns across the great state of Wisconsin. Pay attention! Many homeowners don’t realize that most homeowners Insurance policies in the state of Wisconsin only give an Insured one year to complete the work on their home. That is one year from the date of loss! Is this a terribly short time? Yes! Does this need to be changed? YES! However, for the time being, you must play the hand your dealt. There are a few things that can be done to alleviate a little bit of pressure with regards to the one-year timeline. You could ask your Insurance company to grant an extension. This should always be done in writing and a copy kept for your records. Keep in mind, your Insurance company DOES NOT have to grant you the extension. Demand appraisal. NO, this is NOT like a property appraiser. Appraisal is similar to arbitration in that it is a binding dispute resolution process that is spelled out in all Wisconsin Insurance policies. Demanding this process will automatically toll the one-year deadline until the appraisal is completed. If you choose this option, please make sure to do your research and hire a qualified appraiser for your claim. In closing, Please make sure if you are dealing with an Insurance claim resulting from the July 19, 2019 storm or any Insurance claim that does damage to your home, make sure you keep track of when the date of loss is and when your one year deadline will be. If not, you could be left out in the cold without any leverage to resolve your claim properly. If you’re a homeowner or a contractor that needs help with a Wisconsin Homeowners Insurance Claim, The Adjustment Firm is happy to help. We handle Fire, wind, hail, water and just about any type of property claim that can occur. Josh Hansen is a partner with The Adjustment Firm and has been a licensed Public Adjuster since 2013. He is licensed in Minnesota, Iowa, Nebraska, Oklahoma, Texas, Missouri and Kansas.

https://www.theadjustmentfirm.com/post/ways-to-improve-client-communication

04 July 2021 | Views With as many 624 million internet users in India, it is safe to say that Indians are well-connected to the internet and prefer to use it for most of their daily tasks, such as news, internet banking, social interactions, ordering food, making calls, etc. Digital media has influenced the lives of Indians and made their lives simpler. Image Courtesy: Shutterstock It is common for people to experiment with various investment tools to meet their long-term and short-term financial goals. However, in the absence of a sound financial plan, you will not be able to grow your wealth or provide adequate security to your loved ones, in case something happens to you. Therefore, it is important to understand the power of investments and tools like term insurance calculator in making the right investment decisions. So what is term plan? Term insurance is a crucial risk management tool that can help in protecting your family’s financial future and keep them prepared for life’s uncertainties. They also help you lead a tension free life, knowing that your loved ones will be able to sail through, even if you are no longer there to provide for them. In this article, we will talk about term insurance and how it is an important milestone in your financial planning. Importance Of Term Insurance Term insurance is a crucial addition to your financial portfolio. With an increased risk to life in the modern world, term insurance provides you with a low-cost risk cover that protects your family against these eventualities. In case of your untimely demise, the policy nominee will receive the death benefit that will help them get back on their feet. At the same time, term plans can be supplemented with riders to give you protection from events, such as critical illnesses, accidental death, loss of employment, etc., and provide an extra layer of security. However, make sure that you add riders as per your lifestyle because each of these add-ons will bump up the premium price. You can use a term insurance calculator to calculate the premium you can afford and sustain throughout the policy tenure. Benefits Of Using A Term Plan Calculator Term plans are a low-cost life insurance tool that comes with affordable premiums that allow you to get extensive life coverage. Besides, you also get tax-saving benefits, the option to get returns on premium, and security against critical illnesses, etc. However, it is common for prospective buyers to struggle to choose the right term insurance plan, especially when the market is flooded with so many options. This is where a term insurance calculator comes in. This tool can be used to calculate the exact premium for the required sum assured that will be adequate to help the policyholder’s family carry on their lives even in your absence. The term insurance calculator will calculate the amount based on your lifestyle and other financial commitments. Simply put, a term plan calculator is an online tool that allows you to calculate the exact insurance that is required to protect your family once they no longer have your income to support them. It also recommends policies provided by different insurance providers that match your budget and requirement. The users, too, find it easy to use this straightforward tool when looking for a policy to invest in. All you need to do is enter all the details necessary, such as age, retirement, annual income, liabilities, etc., and let the term insurance calculator do its job. The system analyses your financial details to determine your assets and liabilities. Based on this information, it suggests the optimal cover that is suitable for your needs. Some calculators may even allow you to personalize your term cover to meet your specific requirements. Here are some of its benefits: Buying term insurance is an important investment decision. However, before you take that plunge, you need to educate yourself about the policy and its benefits. It should be adequate to cover all your needs and be reasonably affordable enough to ensure that you can pay premiums throughout the policy term. This is why it is important to use a term insurance calculator that can help you calculate the appropriate cover along with the premium that you would have to pay. When it comes to comparing policies, a term insurance calculator can prove to be an invaluable tool. You can compare plans based on offers, rider benefits, premium, eligibility, etc., to choose the cover that suits you best. Since the term calculator gives you the liberty to look at policies, their benefits, overall cost savings, etc., objectively, it becomes much easier to buy the right policy that matches your budget. There is no need to devote long hours scrolling through the internet to understand and choose the best insurance plan. You can simply use a term insurance calculator, fill out all your details, and wait for it to calculate the quote for you. It is one of the most precise and hassle-free ways to determine which insurance plan can work for you, based on your inputs. Keep all these points in mind when buying term insurance, and be sure to use the term plan calculator to make the right decision.

https://biospectrumindia.com/views/81/19085/covid-19-crisis-buy-term-insurance-in-this-way-to-get-maximum-accuracy.html

BlackCloak's Approach to Executive Cyber Health: Understanding, Measuring, and Securing The personal digital well-being of executives is increasingly under threat. BlackCloak understands this evolving landscape and has developed a comprehensive approach to safeguard executives. Let’s discuss how BlackCloak collaborates with security leadership to understand their concerns, measures executive cyber risk with a unique cyber health score, and implements bespoke personal cybersecurity plans for each executive. Collaboration with Security Leadership We begin by working closely with an organization’s security leadership. This partnership is crucial for understanding the specific cybersecurity concerns and needs of executives. By aligning with corporate security strategies and insights, we can ensure that the personal cyber health measures are not only robust but also complement the existing corporate security infrastructure. Evaluating Your Cyber Health Risk Score A key step in our approach is the assessment of each executive’s personal cyber risk. This is achieved through our proprietary method for determining risk – a comprehensive evaluation that measures various aspects of an executive’s digital footprint, including vulnerability to phishing, the security of personal devices, and the integrity of online accounts. This scoring system provides a clear, quantifiable measure of risk, enabling targeted and effective mitigation strategies. Bespoke Care Plans for Each Executive Understanding that one size does not fit all in cybersecurity, BlackCloak develops bespoke plans for each executive. These plans are tailored to address the unique cyber health needs identified through the risk assessment. The plan consists of a blend of advanced software solutions and professional services, ensuring a multi-layered approach to cybersecurity that covers both technology and human factors. Concierge Cyber Health Support in a Privacy-Conscious Manner Recognizing the need for constant vigilance and support, BlackCloak offers concierge assistance to executives. This ensures that they have access to expert advice and intervention whenever needed. Importantly, this support is provided in a privacy-conscious manner, respecting the confidential nature of the executives’ positions and personal lives. BlackCloak’s comprehensive approach to executive cyber health – from understanding individual needs, and measuring risk, to implementing personalized plans, backed by concierge support – offers an unparalleled level of personal digital security. In a world where cyber threats are constantly evolving, BlackCloak stands as a vigilant protector of executives’ digital well-being. For more information on executive cybersecurity best practices, contact our personal cybersecurity experts today.

https://blackcloak.io/blackcloaks-approach-to-executive-cyber-health-understanding-measuring-and-securing/

Following a series of major data breaches in Australia, the government is undertaking a significant overhaul of its cyber security rules. To better protect against cyber threats, legislators are establishing an agency tasked with managing government investments in cyber security and coordinating national responses to cyber attacks. During a meeting with industry leaders, Prime Minister Anthony Albanese emphasized the need for stronger cyber security measures in Australia. He acknowledged that existing cyber security rules, policies, and regulations are insufficient for the country’s needs and that urgent improvements are required. To enhance collaboration between government agencies during cyber attacks, the government is creating a new cyber security coordinator position. This coordinator will be supported by a national office within the Department of Home Affairs. The government has released a discussion paper outlining its new cyber security strategy, which is set to be implemented in 2024. The strategy seeks to improve Australia’s overall cyber security posture and enhance public-private partnerships. To this end, the government is seeking feedback from the public and industry leaders on how to best partner with Australian businesses to improve cyber security. The Minister for Home Affairs, Clare O’Neil, has highlighted the need for better coordination between government and private sectors during cyber attacks. O’Neil has described current rules as inadequate and called for reform to ensure smoother coordination between government and private sectors during cyber incidents. The Australian government’s efforts to overhaul its cyber security rules reflect a growing global concern around cyber threats and the need for robust security measures. The government’s approach, which emphasizes collaboration and partnership with businesses, represents a promising way forward in the fight against cybercrime.

https://blog.zonealarm.com/2023/02/australia-implements-stronger-cyber-security-measures-against-threats/

If you’re a design professional, don’t hesitate to contact a qualified independent company for architects & engineer insurance in Tennessee to ensure you have the protection you need. In the design industry it’s important to ensure that you you’re safeguarded from lawsuits that could be potentially disastrous to your firm along with your career. Even when a design is executed perfectly, all it takes is one frivolous lawsuit to put many smaller companies under entirely. It doesn’t matter if you’re merely getting started or you’ve been in the industry for years. If you care about the future of your business, it’s important to have insurance in place to make certain this doesn’t happen. This is why you owe it to yourself to contact Fenner & Esler if you need an independent engineers insurance company. Engineers Insurance in Tennessee Engineers all over the country have benefited from the services we provide at Fenner & Esler as a top engineers insurance company. We’ve got many years of experience in the industry and in that time have worked with a wide array of types of professionals. In fact, we’ve helped countless clients ensure the most safety for their firm or themselves because 1923. A unique insight into the needs of design specialists is the result of this experience, and something which makes it worth your while to work with us. Our top priority isn’t only ensuring your firm’s requirements are met exactly, but that they will be met as cost effectively as possible as well. For tremendously flexible insurance from a leading engineer insurance broker, get in touch with us today and discover what we’re capable of doing for you. Engineers Insurance Company Tennessee Going with Fenner & Esler if you are in need of an engineers and architects insurance company is your wisest move for a lot of reasons. The fact that we are an independent brokerage is a substantial factor, offering you numerous benefits. We are capable of providing you with insurance choices that will meet your exact requirements in this way, offering you a great deal of flexibility. It doesn’t matter if you have a small start up or your bigger firm has been doing business for years. Different firms have their own unique needs. Locating insurance with options that will be perfect for your company and its needs is important for this reason. Our insurance choices are scalable to your needs. This means should you take on more clients, or need special coverage for larger projects, it can be adjusted accordingly. When it comes to bigger brokerages, you will find this is a service they don’t offer, and will instead try to fit you into plan that is one size fits all. These kind of plans don’t ever work for your best interest because they are going to either leave you paying for extra services you won’t require, or leave out services which you will. To supply you with just what you are trying to find, as an independent engineers insurance company we’re going to take your requirements into consideration. Architects & Engineers Insurance in Tennessee We offer a broad variety of necessary services as a leading architects & engineers insurance company serving Tennessee and other states across America. These are a few: - Architects Insurance - Engineers Insurance - Surveyor Insurance - Environmental Consultants Insurance - Employment Practice Insurance - Risk Management Services - Contract Review Are you looking for engineer insurance? At Fenner & Esler, you’ll always get unrivalled service. Engineers Insurance Companies Tennessee The number of engineers who regularly go without the services of an engineers insurance company is something that might surprise you, particularly if you’ve been in the industry for a considerable amount of time. Many just starting out feel erroneously that the fact that they perform quality work means this is not an issue that’s likely to arise. Others feel assured that the money which they’ve been putting aside on their own is enough to cover any situation that come up. However, it is hard to estimate how much money this sort of litigation is going to cost and many who have attempted this find that they come up significantly short and wind up in serious trouble. Putting your firm and your livelihood at risk this way is not something you ever want to do. This isn’t something you ever need to worry about if you count on Fenner & Esler for top rated engineers insurance coverage. You’ll be able to concentrate your attention on what’s actually important when you do business with us as we can give you the peace of mind you need. Get in touch with us today to learn more. Engineer E&O Insurance Brokerage Tennessee These are some of the advantages of making Fenner & Esler your first choice when you need an architects & engineers insurance company: When you need an architects & engineers insurance brokerage these are a few of the benefits of making Fenner & Esler your first option. - Decades of industry experience - Customized plans - Personalized service Be certain to experience the different we’re capable of making at Fenner & Esler with quality options for engineer insurance. Another reason we’re such a top choice for engineers insurance coverage is the fact that as a smaller company we’re capable of supplying you with amazingly personal service. We don’t merely help you when it comes to your insurance needs, but are here when it comes to risk management services. This comes in many forms. In house risk management seminars can be very helpful to you and your employees when it comes to minimizing liability issues that come with working in the design business. Evaluating contracts to make certain you are assuming the minimal amount of liability is a service we can supply to make certain that issues down the line are kept to a minimum. Along with these services, we also handle incident reporting, lawyer selection, pre and post claims insurance and much more. Larger on-line engineer insurance brokerages supplying one size fits all policies aren’t going to supply you with this level of services. So many design professionals seeking the maximum protection for their firm look to Fenner & Esler for this reason. You’ve got nothing to lose! Just get in touch with us now to see why this is the case. Engineers Professional Liability Insurance Coverage Broker Design professionals in 42 states across the US can take advantage of our services as a leading independent engineer insurance brokerage. We have a client base which is incredibly varied. This includes start up businesses, big companies and everything in between. With countless clients served, this has supplied us with a unique insight regarding what our clients need and how best to serve them. Our number one goal is offering the best possible protection for design professionals against the many problems you face on a daily basis. We don’t only concentrate on making money in the short term, like a lot of bigger on-line brokers you will find. We focus on making clients for life by building relationships in the long term. We stand apart as an engineers insurance company for this and many other reasons. Apply for architects & engineers insurance today! Engineer Insurance Broker We strive to fulfill all your needs as easily as possible as a top independent engineers insurance company. It’s always free when you give us a call at Fenner & Esler for a quote. Making sure your needs are taken care of is our number one priority. Even when you are in the middle of a multiyear insurance policy, we’ll still supply you with a quote for the coverage that you require. We can additionally provide services as an independent surveyors and environmental consultants insurance company. Application is easy and whatever questions you may have we are here to answer them. When you’re in need of an independent engineer insurance company, earn your first choice Fenner & Esler.

https://fenner-esler.com/structural-engineers-insurance/structural-engineer-insurance-broker-tennessee/

An unfortunate reality of business is that risk and danger can present themselves at any unexpected moment. Among these risks, fire emergencies present a uniquely devastating threat due to their ability to suddenly wreak havoc on property and personal safety. As such, having fire barrier systems in place is non-negotiable for every responsible business owner. Here are compelling reasons why implementing a robust and reliable fire protection system in your business is vital. Securing Lives: The Human Factor in Fire Safety At its core, the primary purpose of any fire protection system is to safeguard human lives. In an emergency outbreak, these systems serve as the first line of defense, offering crucial warning time allowing occupants to evacuate safely. Fire barriers, smoke detectors and alarms collaborate seamlessly to detect initial signs of danger, warn people immediately and prevent the spread of fires. Businesses need these systems not only to protect employees but also customers and visitors. Although each life saved might not have a price tag attached, the gratitude from employees or the public will go a long way in earning goodwill for your brand. Safeguarding Investments: Protect Physical Assets from Fire Damage Aside from human lives, businesses have substantial material assets that are critical for their operations – buildings, equipment, inventories and more. A well-equipped fire protection system acts as guardian of your hard-earned investments by controlling fires at their earliest stages minimizing collateral damage. Moreover, protecting physical assets isn’t just about preserving machinery or stock; many companies hold vital data on-site too – from customer details to operation strategies- loss of these can deal a crippling blow to a company’s operations. When it comes to transformer protection, it’s important that a fire does not spread to other transformers causing a catastrophic business failure or interruption of critical infrastructure. Compliance with Regulations: Avoiding Penalties and Legal Troubles Day-to-day functioning of businesses involves abiding by numerous regulations – one significant aspect among them being fire safety norms enforced by authorities like the NFPA. Investing in a top-tier fire protection system ensures compliance with these laws, helping avoid potential fines or legal disputes. Beyond legal requirements, many insurance companies require proof of adequate fire safety measures before providing coverage. By having a sound fire protection system, you secure favorable insurance premiums and ensure the company’s continued operation post a disaster. Business Continuity: Minimize Downtime and Operational Disruption A full-scale outbreak can halt operations leading to substantial financial losses from downtime. Depending on the extent of the damage and its impact on production capacity or service delivery, these losses can stretch into weeks or even months. With an excellent fire protection system in place, businesses can quickly arrest fires minimizing operational disruption and preserving productivity. Corporate Responsibility: Promoting Safety Consciousness In today’s highly connected age, businesses are not only evaluated by their products or services but also by their ethical actions encompassing safety practices for all stakeholders involved – employees, customers, suppliers and more. Implementing a robust fire protection system signals to all stakeholders that your business takes safety seriously fostering trust in your brand, boosting corporate reputation significantly. Partner with Sinisi Solutions: Your Trusted Ally Against Transformer Fire Risks The responsibility of protecting your enterprise from the wrath of transformer fires is no small task; it requires trust in systems designed by professionals dedicated to safeguarding lives and assets. That’s where we come in at Sinisi Solutions. Our intricate merger of knowledge with over many years’ experience equips us uniquely to provide fire barriers solutions tailored impeccably for your needs. With our foundational principle being ‘Always Protecting’, we will guide you through every step ensuring you get a system perfectly aligned with your unique standards protecting everything critical for your business operations. Taking responsibility for shielding your business against transformer fires should never be an afterthought-it needs careful planning from seasoned experts who understand every nuance relating to systems designed specifically to protect against fire risks. Reach out to Sinisi Solutions today or visit https://firebarrierexperts.com/ – your safety is our priority. Name, Address and Phone 9 Mount Lane Manasquan New Jersey 08736,

https://firebarrierexperts.com/why-your-facility-needs-a-fire-barrier/

After years of paying home insurance premiums, one of the most aggravating things that can happen to a homeowner is sustaining roof damage only to have your roof claim denied! When it comes to fighting a roof claim denial, knowledge is your best weapon, so today we’ll go over some of the most common reasons home insurance claims are denied, as well as how a knowledgeable roofing company can help you not only get your claim approved but potentially increase the amount of your settlement by thousands of dollars in legitimate upgrades. Getting your storm-damaged roof repaired through insurance is stressful enough. However, having your claim denied adds to the stress. Unfortunately, this occurs frequently. And when it does happen, homeowners are left with more questions than answers. But keep in mind that an initial denial does not have to be the end of the story. So, what should you do if your insurance provider rejects your roof claim? Table of Contents - Why would your insurance company deny your claim? - Appealing A Claim Denial - What options do you have if your insurance company denies your roof claim? - Understanding the Building Code and Roofing - Is there anything a roofing contractor can do to get your claim approved? - Approve Your Claim With A Skilled Roofing Contractor - Answers to the most frequently asked roof insurance claim questions Why would your insurance company deny your claim? Before we get into what you can do, consider why your roof damage claim was denied in the first place. Unfortunately, your insurance carrier may deny your claim for a variety of reasons. The following are some common reasons why insurance companies deny roof damage claims: - Wear and Tear: While contemporary roofing materials endure longer and can handle harsher weather, all materials degrade over time. If you buy a property with 30-year-old composite shingles and it starts leaking after a few years, the shingles may have simply reached the end of their useful life. This is especially true if the previous owner neglected to do routine maintenance. Natural degradation is not covered under your house insurance policy and should be incorporated into your budget or negotiated with the homeowner before purchasing if you are purchasing a property with an older roof. - Previous Damage: In many parts of the country, 30 years without a storm causing enough damage to trigger a roof repair under conventional house insurance coverage is rare. Keep in mind, however, that your home insurance coverage will not cover damage caused by a previous policy. Home insurance will only cover damage caused by the most recent event, so if a combination of old and new damage is causing your roof system to fail, they may refuse your claim because earlier damage is the root of the problem. - Partial Damage: The Insurance Adjuster must conclude that enough damage has occurred to the roofing system that a partial repair cannot return the roof to its prior state before insurance will authorise a claim for a full roof replacement. Unfortunately, the criteria for recognising partial damage differ from one insurance company to the next, and it may finally come down to the Insurance Adjuster who is appointed to evaluate your roof. When homes in your area are authorised for roof replacements, but your insurance company has refused your claim, this can be one of the most stressful scenarios for homeowners following a storm. Due to the discretionary character of the assessment for partial damage, partial damage is one of the most probable denials to be reversed. - Manufacturers Defect: While manufacturers make every effort to maintain quality control on their products, occasionally defective materials make their way onto your roof and degrade well before the intended life expectancy. If it is determined that a manufacturer flaw caused your roofing system to fail, your home insurance company will not cover replacement costs. However, practically all major roofing product manufacturers include a standard limited warranty with the purchase of their products. What that warranty covers depends on the manufacturer and the warranty you choose, so talk to your roofing contractor about warranties with additional coverage before installation. - Claims Filed Too Late: Most home insurance policies include language stating that a claim must be filed within a reasonable time frame and that damaged property must be replaced within 365 days of the date of damage. If you fail to do so, or if you fail to tell your insurance company in writing prior to the 365-day period expiring, along with a valid cause for the delay and a request for an extension, they will most likely refuse your claim. Insurance inspections following suspected damage are frequently free of charge to the homeowner, thus avoiding a denial based on timeliness is frequently as simple as scheduling an inspection and meeting with your Contractor of Choice. - Insurance Adjuster Interpretation: When your Insurance Adjuster performs a roof inspection, keep in mind that an Insurance Adjuster is not a professional roofer or contractor, and their knowledge is typically restricted to the training provided by the insurance company. Even the most well-intentioned Insurance Adjuster can overlook indicators of damage, resulting in your claim being approved due to a lack of understanding. This is why having your Contractor of Choice meet your Insurance Adjuster on-site for the inspection is always a good idea, as we can point out damage and explain why it should be covered by insurance before it’s refused. Most of these causes, unfortunately, are beyond your control. However, your insurance company should explain why your claim was denied. Appealing A Claim Denial If your initial claim is denied, as the insured, you can go through an assessment process to get the refusal reversed. Be mindful that doing everything possible to avoid a refusal, such as having your contractor on-site for the inspection, is in your best interests, as the appeals process can be lengthy. If your claim is denied, you have a certain amount of time to appeal the decision, which you may find out by contacting your insurance company. A written appeal should ALWAYS be made. You should also request a decision date in writing to reduce the length of the appeal procedure. Following a request for an appeal, the insurance company will frequently dispatch another Insurance Adjuster for a second opinion. At this point, we STRONGLY advise having an expert Roofing Contractor on-site, as well as a Public Adjuster who can function as a neutral third-party representative. If you decide to hire a Public Adjuster, keep in mind that you will not be compensated by the insurance company. Whether you utilise your Roofing Contractor or a Public Adjuster, documentation must be gathered to demonstrate that damage happened that is sufficient to gain approval under your present policy. If the second Insurance Adjuster also declines your claim, it must be escalated to a Claims Manager. As a last resort, you can either file a complaint with the state or employ an attorney. What options do you have if your insurance company denies your roof claim? After you’ve learned why let’s look at your choices if your original claim is denied. Remember that the majority of the reasons are valid, and there is nothing you can do about it. However, if your claim is denied because the adjuster claims they didn’t locate any or enough damage, you can double or even triple-examine your roof if you’re certain it was damaged by the storm. Requesting a different adjuster The simplest solution is to request that your insurance company send out a different adjuster to obtain a second opinion from a fresh set of eyes. Unfortunately, some insurance companies refuse to provide homeowners with a second adjuster. But keep in mind that you have the right to a second adjustment. After inspecting your claim, they will either approve it or agree with the first adjuster that there is no foundation for a claim. Making contact with a structural engineer If you’re still convinced there’s roof damage and want to pursue a claim after the second adjuster declines, you can contact a structural engineer. They’ll assess the roof and provide documentation to the insurance company that it has to be replaced due to structural issues. This is only done in exceptional circumstances and is only advised if the insurance adjusters are unreasonable. However, there is still a potential that this will fail. If this occurs, you will either bite the bullet or seek legal avenues that we are not equipped to undertake. Understanding the Building Code and Roofing Hiring an experienced Roofing Contractor is important not just for getting your claim approved, but also for getting the most value out of your claim. Local and International Building and Roofing Codes are revised throughout time, and these updates may be covered by your insurance policy if code coverage is included. These are especially useful for older properties, as code improvements can result in thousands of dollars of additional protective and energy-efficient features being added to your claim that does not currently exist on your property. International Building and Roofing Codes are extremely technical and extensive documents, and code improvements are likely to be overlooked if not thoroughly reviewed by a Roofing Contractor who is intimately versed with local code requirements. Furthermore, roof damage repairs aren’t limited to the exterior of your home. When a leak happens, it can cause damage to the interior of your home, and interior damage caused by a roof leak may be covered by your home insurance if the exterior claim is granted. If a leak is suspected, a skilled Roofing Contractor will conduct a comprehensive assessment of the interior of your home as well and will coordinate repairs to both the exterior and interior of the property. Is there anything a roofing contractor can do to get your claim approved? When their insurance claim is denied, most homeowners turn to their roofing contractor for assistance. So, throughout the years, I’ve had a lot of queries like, “If you indicated I had roof damage, why is my claim being denied?” The truth is that whether or not the claim is authorised is completely out of your roofing contractor’s hands. They can look for and document signs of storm damage, but the insurance adjuster has the last say on whether your claim is approved or denied. Even if the roofing contractor is convinced that you require a new roof due to storm damage, the insurance adjuster is the only one who can expedite the approval process. However, this does not imply that your roofing contractor is ineffective during the process. If you employ an insurance-experienced roofing contractor, they will battle to ensure that your policy is followed. They accomplish this by documenting proof or obtaining hail/wind maps to demonstrate that your residence was in the path of the storm. However, fighting for you does not usually end once your claim is approved. They will also augment your insurance claim to guarantee that your roof receives all of the necessary repairs. Finally, a roofing contractor is your partner and advisor throughout the insurance claim procedure. That is why it is critical to pick one with experience and in whom you have faith. Approve Your Claim With A Skilled Roofing Contractor Knowledge is your most powerful weapon in avoiding a claim denial from your insurance provider, and an expert roofing contractor will have all of the tools and knowledge you need to get your claim approved. Your insurance policy allows you to work with your preferred contractor, so do your homework and hire a professional who will help you through the entire process, from filing a claim to the final inspection, allowing you to get the most out of your house insurance policy. Answers to the most frequently asked roof insurance claim questions You now understand why your insurance claim was denied, what you can do about it, and what a roofing contractor can do for you. Remember that the insurance adjuster has complete authority over your claim. You should know what to do next for your insurance claim after reading this article. Unfortunately, progressing through the insurance claim procedure simply raises more questions. Wouldn’t it be fantastic if you could get answers to all of your major insurance questions in one place? Naturally, it would be.

https://ghanaonline.net/this-is-what-to-do-immediately-if-your-roof-insurance-claim-is-denied/

Faulty products can cause serious injury. In the last few years, many stories circulated about e-cigarettes causing explosions. The truth is, any product can cause harm. When injured by a product, you will be faced with the decision to either file a personal injury claim or a product liability claim. Speaking with a personal injury lawyer in Philadelphia will help you decide which is better for your case. But we are going to cover some of the basics. Both personal injury claims and product liability claims are designed to protect the right of the injured party so they can receive compensation to help pay for medical bills and other bills caused by the injury. What is a Personal Injury Claim? Personal injury claims are very common as they are filed when an injury occurs to the body, which includes the mind and emotions as well. These claims are often filed after someone has been injured due to a slip and fall or a vehicle accident. If a product causes injury, a personal injury claim can be filed as well, but it might be best to instead file a product liability claim. What is a Product Liability Claim? To seek compensation for an injury caused by a product, you can file a product liability claim. But be aware that the product needs to be proven to be defective. Product Design Defect When a product is found to be a danger due to the design, then it would be a product design defect claim. An example would be a chair that only has 3 legs. Obviously, it can tip easily, causing injury, so from the start of the design, the product is deemed dangerous. Product Manufacturing Defect The most common product liability claim is a product manufacturing defect. This is when a product fails to perform safely, even though it says it is safe. Something usually happens in the manufacturing process to defect the product, making it unsafe. An example is a set of tires that are supposed to be safe on the road, but a defective tire ends up causing an accident. Warning Label Defects Most dangerous products come with a warning label. But if a product fails to produce one on a product and it does end up causing injury, you could file a warning label defects claim. Keep in mind that it is the responsibility of the manufacturer to produce a safe product and if they do have any suspicion that a product is unsafe, they are responsible for putting a warning label on the product.

https://gwlawmagazine.com/should-i-file-a-personal-injury-claim-or-a-product-liability-claim.html

A fire destroyed much of a 400-year-old hotel in Midhurst, England, on Wednesday night, Sky News reported. The fire department said more than 30 people were evacuated from the building. According to a witness quoted by the station, a group of Ukrainian refugees stayed in the hotel. The fire broke out around 1am on North Street in Midhurst, West Sussex, England. As reported by Sky News, the fire appeared on the roof of a neighboring building, and then spread to the more than 400-year-old tenement house where the Angel Inn hotel is located. According to the station’s information, ten fire brigades initially arrived on the spot, later four additional cars were sent to extinguish the fire. “More than 30 people have been evacuated from the building and firefighters are working hard to bring the blaze under control,” the West Sussex County Fire Brigade tweeted this morning. In the next post, published before 9, firefighters said the fire, described in the entry as “significant”, is still being put out, but “decreasing”. As you can see in the photos from the scene, the roof and upper floors of the building were mainly damaged. Refugees from Ukraine were in the hotel Richard Abbott, the chief of the local fire department, in a recording attached to one of the Twitter posts appealed to the residents of Midhurst not to approach the burning hotel. “It is too early to determine the cause of the fire, but as soon as it is possible and safe, we will try to determine it,” Abbott said. Hilton Holloway, a witness to the incident, was quoted by Sky News as saying that a group of Ukrainians had stayed at the hotel. – There were many Ukrainian refugees in the hotel, which had about 15 rooms. I spoke to one young woman, she seemed quite calm. Until the publication of this text, there has been no message indicating that the fire has already been completely extinguished. Sky News, West Sussex Fire & Rescue Service Main photo source: Andrew Matthews/PA/PAP

https://polishnews.co.uk/england-midhurst-hotel-fire-there-were-refugees-from-ukraine-inside/

Do you thing you need general liability insurance? If you are a small business owner, you always need some kind of protection to safeguard yourself and your business. You might think you have everything under control, but even a single misfortune can be baleful. To avoid anything like that, it is advised to have professional insurance coverage. Read further to learn more. This blog will help you understand the importance of general liabilities. Having liability coverage signifies a level of authority which can reduce some of the concern about your business. There are so many different policies that take care of the rights of both owners and clients and the claims made by either one of them. In this we will discuss General Liability Insurance and Professional Liability Insurance. Being an owner of any kind of business, you need to represent your business in the best way. You have to represent yourself as reliable and answerable. With General Liability Insurance, you can be at ease knowing that you have protection against unexpected incidents. General Liability Insurance (GLI) is designed to defend you and your business from claims involving bodily and property injuries resulting from your business. Purchasing insurance shows that you are well aware and understand the risks involved in your business. Here are few benefits of having General Liability Insurance. 1) Protection against bodily injury claims: - If the client trips over your tools or equipment and hurts his leg or hand at your business place, the client might sue you for his injury. However, if you have General Liability Insurance, there is nothing to fear. 2) Protection against property damage claims: - Many accidents can happen at the site like bodily injury. Another damage that can commonly occur is property damage. For example, if while at the work site a worker accidentally drops a tool and it causes damage to the newly laid wooden flooring of the property, the client can charge you for the damage. So in that case, the GLI will cover it all. 3) Reputational Harm: - As a business owner, you have to make sure that you maintain the reputation of your business and gain the trust of the clients. Depending upon your venture, the client may require you to have a GLI certificate. Apart from the coverage provided by the General Liability Insurance. There are certain things that are not covered in the general liability insurance, like employee injuries or any illness. For such claims, there are other insurance that you can opt for. This insurance doesn’t give a claim for the error or the omissions your company provides. There are other claims that are not taken into account of the GLI. Claims like loss suffered by the client because of the professional advice or service they received from your firm. These type of declaration usually happen in the business profession like engineers, consultants, counselors, real estate companies etc. Such business requires Professional Liability Insurance that delivers professional services or gives professional advice to the customers buying this liability insurance. Professional liability Insurance is also known as Medical malpractice insurance or error and omissions insurance, based on the profession. PLI imparts protection when the owner is sued because their work or services doesn’t meet clients expectations, incorrect advice, or failing to deliver a service. The biggest advantage of PLI is that it can save your business expense if you have to make a claim when sued by a client. In case you don’t have the PLI, you will be asked to pay fine and legal fees. Coverage in liability insurance is good if availed during the policy period. Incidents that occurred before buying policy will not be covered in the policy.

https://proinsgroup.com/why-your-small-business-needs-general-liability-insurance/

Dozens of Portland firefighters battled a blaze at a former tavern that neighbors say had been taken over by squatters for more than a year. “It was clearly a time bomb waiting to go off, and our concerns fell through the cracks,” Dusty McCord, who lives near the former Farmer’s Barn Tavern, told The Oregonian. “The level of negligence is breathtaking.” Portland Fire & Rescue responded to a fire at the former Farmer’s Barn Tavern April 19, 2023. (Portland Fire & Rescue) McCord said squatters at the building had physically attacked neighbors, threatened people with guns and cut down trees to build fires. The property owners filed a demolition permit in February, the newspaper reported, but were still waiting for city approval. The fire started around 7:30 p.m. Wednesday and flames were already pouring out of the roof by the time crews arrived, according to Portland Fire & Rescue. Firefighters started to search the building but had to retreat as the fire grew, and utility companies were forced to temporarily shut off power in the area. Around 40 firefighters were on scene at one point to contain the fire. There were no reported injuries, and the fire did not spread to any neighboring homes or buildings. Firefighters are investigating the cause. Firefighters are well acquainted with the tavern, which closed in 2018, having responded to eight fires there within the past year, PF&R wrote in a press release. A red square with a reflective white “U” on the side of the building signifies that the building is on the fire department’s unsafe list due to structural concerns. “There has been a history of in and out usage of that location,” Rick Graves of PF&R told KOIN 6 News. “Portland Fire is constantly addressing some of these abandoned buildings.” Oregon’s homeless population has steadily increased since 2014, despite the state and local governments directing hundreds of millions of dollars toward the problem. There have been seven code enforcement cases at the former tavern in the last four years, and neighbors told The Oregonian they had filed another nuisance complaint against the building just a couple of days before the fire. “For about the last 18 months, the building has been a complete nuisance with squatters, campers,” Eric Marentette, who lives near the property, told KOIN 6. “There’s been a lot of theft.” At least five abandoned buildings have been the site of serious fires this year in Portland. “I think the city needs to figure out better ways to deal with this before it comes to this result,” Marentette said. “I don’t think the city seems equipped to deal with it until they’re embarrassed [when] a city council meeting or news organizations take them to task.”

https://sonihullquad.com/portland-squatters-took-abandoned-bar-went-flames/

Beginning on September 1, 2019, the Insurance Regulatory and Development Authority of India (IRDAI) will permit owners of both new and old vehicles (cars and bikes) to obtain stand-alone damage insurance coverage at the time of policy purchase and policy renewal. Formerly, owners of both new and old vehicles had to buy third-party car insurance and an own-damage policy. It is imperative to acknowledge that, according to the Motor Vehicles Tariff, 2002, all vehicle owners must maintain a third-party (TP) motor insurance policy. # Car owners can now purchase or renew their motor insurance policy with more flexibility thanks to the option for a stand-alone own-damage insurance policy. Firstly, they can buy an OD cover later than a TP policy, and if they choose, they can buy it from a different insurance company. In the past, a car was forced to purchase an OD and TP cover from the same insurer. The table provides a concise overview of the differences between Third Party Cover and Own Damage Cover based on coverage and the availability of add-ons. |Own Damage Cover |Only covers third-party liabilities, including life and property (up to Rs. 7.5 lakh). |Solely addresses damages the insured’s vehicle suffered in an accident, theft, or any other mishap. |Availability of Add-ons |No availability of add-ons. |Offers a range of add-ons such as zero depreciation cover, engine cover, etc., allowing for customisation and additional protection. Why Is Own Damage Insurance Coverage Important? Acquiring your car’s own-damage motor insurance policy is advised, if not required. With an OD cover, your insurer will pay for any losses or damages your insured party’s car sustains in the event of a fire, accident, theft, natural or artificial disaster, or other unfavourable circumstances. You can avoid taking on the financial burden of having your car fixed by getting an OD cover. Impact Of Stand-alone OD Coverage Introduction On The Car Insurance Sector The level of competition among motor insurers will rise with a stand-alone own-damage policy. In the past, to satisfy the legal requirement of TP coverage, car owners would typically purchase a motor insurance policy from an insurer with a relationship with their car dealers. But now that a stand-alone OD cover has been introduced, car owners will have more time to shop around and buy the ideal OD cover for their needs later than they would have to buy a TP policy. As a result, insurers will be pressured to create more customer-focused OD coverage. Insurers may reduce the OD premium to draw in more clients due to their heightened competition. You can estimate the costs of premiums using a vehicle insurance calculator. Claims are subject to terms and conditions set forth under the motor insurance policy. * The stand-alone OD cover is anticipated to benefit car owners by giving them more options when purchasing their policy and increasing the appeal of vehicle insurance rates. *Standard T&C Apply Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

https://soundslikethis.net/breaking-boundaries-irdais-standalone-own-damage-motor-insurance-policy-approval/

Webloop Infotech has a qualified team of Magento developers who can assist you in Magento E-commerce development and customization along with multiple online stores integration and many more things. • We have versatile and highly competent E-commerce tool and uses it to provide solutions to store owners / merchants with high quality level • We have a rich experience in serving our clients with a rich blend of creativity and functionality with Magento customization • We offer matchless design solutions that include callout graphics, buttons, widgets, and special effects ECommerce DevelopmentWebloop Infotech leads the world market as a quality Magento Professional Service outsourcing company in India through the development of Magento-PHP based websites and fast driven applications. Webloop Infotech provides timely, efficient and affordable Magento ecommerce development services. We have gained experience through a variety of Magento-PHP Projects done for customers based in India, UK, USA, Canada, Singapore, Dubai, Hong Kong & Australia. At Webloop Infotech, we have qualified team of Magento website developers who can assist you in Magento based web development and customization along with online e- Commerce storefront integration and many more things. Our team is available to step in at any junction of your Magento implementation and assist with any of the services below. Magento Skill Sets • Magento software installation • Magento upgrades • Customization and configuration • Integration analysis and implementation • Troubleshooting, optimization and performance tuning • Design, markup and CSS • Cycle Scope Definition • Custom Development and Systems Integration Webloop Infotech strives to focus on the customer and deliver solutions designed around their needs as we possess quality Magento PHPDevelopers and experts .We have a dedicated PHP software development team with extensive experience in Linux Apache MySQL PHP (LAMP) & AJAX with full functional knowledge base to meet the customer expectations with our (ODC) Services. Query and Feedback ,We'd love to hear from you. Please don't hesitate to get in touch Give us a call Send an email

https://webloopinfotech.in/magento-application-development.php

Are you struggling with Windows Firewall and its settings? Do you want to start fresh and reset your Firewall to its default settings? This how-to guide is here to help you out. Resetting your Windows Firewall to its default settings can help you fix Firewall-related issues and errors. There may be any number of reasons why you might want to restore Windows Firewall to its original settings. For example, maybe you blocked a program or service unwittingly and now want to revert it, or Windows Firewall is blocking a specific connection after a small modification to the firewall settings, and you don’t know why or which rule is responsible. No matter the reason, if you ever need, follow the ways and steps in this guide to quickly and easily reset Windows Firewall to its default settings. Table of contents: - Restore firewall from Windows Security - Command to reset firewall to its default settings - Reset Windows Firewall from Control Panel - Use Windows Firewall Advanced Security to restore default settings Note: Before resetting, backup Windows firewall settings/rules. 1. Restore Firewall From Windows Security Since Windows Firewall is a security feature, you can reset its settings using the built-in Windows Security app. Here’s how. - Open the Windows Security app. - Select Firewall & Network Protection on the sidebar. - Click the Restore Firewalls to Default link. - Click the Restore Defaults button. - Press Yes to confirm the action. - With that, the Windows Firewall is restored to its default settings. First, press the Start icon on your keyboard to open the Start menu. Next, search for Windows Security and click on the result to open the Windows Security application. Once the Windows Security app opens, select Firewall & Network Protection option on the sidebar. This is where you can manage Windows Firewall settings like rules, notifications, advanced settings, etc. Here, click on the Restore Firewalls to Default link at the bottom of the right page of the app. The above action will open the good old Control Panel window. Here, click the Restore Defaults button. Windows will show a confirmation prompt; click the Yes button to confirm your action. As soon as you do that, Windows restores the firewall settings to their defaults. 2. Command To Reset Firewall to Its Default Settings You also have Command Prompt and PowerShell commands to reset Windows Firewall in your computer. Here’s how to do it. First, open the Terminal application on your computer. You can do that by right-clicking the Windows icon on the taskbar and selecting the Terminal (Admin) option. Windows 10 users can search and open Command Prompt or PowerShell as admin from the Start menu. In the Terminal window, by default, opens with PowerShell. To open Command Prompt in Terminal, click the dropdown menu on the title bar and select Command Prompt. Next, execute one of the below commands. PowerShell command to reset Windows Firewall to its default settings: (New-Object -ComObject HNetCfg.FwPolicy2).RestoreLocalFirewallDefaults() Command Prompt command to reset Windows Firewall to its default settings: netsh advfirewall reset As soon as you execute the command, Windows resets all firewall settings to their default state. Once done, you can close the Terminal window. 3. Reset Windows Firewall From Control Panel As you’d expect, you can easily reset Windows Firewall to its default settings using Control Panel. Though Microsoft is slowly replacing Control Panel with the Settings app, you can still do so many things in the Control Panel. The best thing is that using the Control Panel is often easier. Follow the below steps. First, press the Windows key on your keyboard. This will open the Start menu. Now, search for Control Panel and click on the result. This will open Control Panel on your Windows computer. Once the Control Panel opens, click the View By dropdown menu on the top right corner and select Large Icons. Next, find and click on the Windows Defender Firewall link. The above action opens Windows Firewall setting page in the Control Panel window. Here, click the Restore Defaults link on the sidebar. Click the Restart Defaults button on the next page. When prompted, press the Yes button to confirm your action. As soon as you do that, the Windows Firewall is restored to its default settings. 4. Use Windows Firewall Advanced Security To Restore Default Settings Of course, last but not least, you can use the Windows Firewall Advanced Security to restore firewall to its default settings. Here’s how. First, press the Windows key on your keyboard. This will open the Start menu. In the Start menu, search for Windows Defender Firewall with Advanced Security and click on the result. This action opens the Windows Firewall Advanced Security. Once the advanced settings window opens, select Windows Defender Firewall with Advanced Security on Local Computer on the left sidebar and click the Restore Default Policy option on the right sidebar. If you see a prompt, click the Yes button. As soon as you do that, Windows resets the firewall to its default settings. Resetting Windows Firewall — Conclusion As you can see, if you ever face firewall-related issues or errors, there are four easy ways to reset Windows Firewall to its default settings. No matter which method you choose, all it takes is a couple of clicks. I recommend following the Windows Security app method as it is really easy and consistent. Most of all, it is a future-proof way (mostly). i.e., even if Microsoft retires Windows Firewall Advanced Settings or Control Panel, it will work. That is all. It is that simple to reset the built-in firewall in Windows to its default settings. I hope this simple and easy Windows how-to guide helped you. If you are stuck or need help, email me, and I will try to help as much as possible.

https://windowsloop.com/reset-windows-firewall/

Standard Home Insurance in Ontario Unlike car insurance, having a home insurance policy is not mandatory in Ontario. However, if you have a mortgage on your home, most lenders will require you to have home insurance. Even if you are mortgage-free, it is a good idea to have a standard home insurance policy in order to protect your home and everything inside it. The exact details of your home insurance coverage in Ontario will differ depending on the amount of coverage you select. Here are a few of the most standard coverage options that may be right for you and your home: This insurance covers the physical building and structure that you live in – that means your physical home itself. If your house ends up being damaged by one of the following, you may be protected under your dwelling coverage: - Car / aircraft impact - Falling objects Every policy is different, so make sure you talk to your broker to find out exactly what’s covered under your plan. This covers your belongings inside your home. Things including your furniture, clothing, electronics, jewellery and sporting equipment could all be covered in the event of loss or damage. If someone is injured on your property, you might be responsible for the associated legal and medical costs. It might seem really unlikely, but if it does happen, the costs could add up quickly. This part of your policy can kick in to help cover any of these costs. Personal liability also can cover you in the event of damages to neighbouring houses caused by your house or property. If you would like to learn more about the different types of home insurance coverage, a great resource is the Financial Services Commission of Ontario website. They break down all the different types of coverage, and explain everything in more detail. What is not covered under a standard home insurance policy? When you purchase a home insurance policy in Ontario, there are specific things that will not be covered. If you break the rules of your policy, it can become void. The following three things are not covered under a standard home insurance policy: Many people earn extra income through short term rentals like Airbnb or HomeAway. It’s sometimes referred to as home sharing. It’s important to tell your insurance broker if you’re a host on Airbnb or any other platform. If you don’t disclose this information and damage occurs to your property, your policy may be considered void. If your home is empty for a long period of time, your home insurance coverage may become void. Most policies will not allow a property to be vacant for more than one month. If you are planning on taking an extended vacation, make sure you talk to your insurance broker first to make your home still has the coverage you need. Failing to maintain If you neglect the maintenance of your home and allow it to fall into a state of disrepair, you may not be covered. For example, if your roof is missing shingles and you incur water damage as a result, your insurance company might decide that you will not be covered for that incident. Additional coverage options for your home insurance policy If you decide you need more coverage than a standard policy offers, there are additional coverage options you can add on to your policy. These are also sometimes known as riders or endorsements. Below are some of the most common endorsements: If you run your own business out of your home, you will require this additional coverage. This is because a standard home insurance policy will not cover you for business reasons. If you do not have business coverage, and there is damage to your house as a result of your business operations, you may not be covered. This type of additional coverage applies when you have a sudden and/or unexpected failure to equipment in your home. Some things that might be covered under this endorsement include: - Air conditioning unit - Furnace or other heating system - Security system - Kitchen appliances A sewer backup is every homeowner’s nightmare. If this isn’t included in your policy, you might want to consider adding it on. A sewer backup can cause a lot of damage and the costs can add up quickly. Call BrokerLink now for your home insurance needs in Ontario We are proud to have community branches across Ontario. To find a home insurance plan that’s right for you, visit one of our branches, or reach us by phone or email. You can also complete a quote in five minutes online, and we’ll call you at your convenience. Get a home insurance quote [phone] FAQs on home insurance in Ontario It’s my first time owning a house. What type of insurance should I get? Whether it’s your first time owning a house or fifth doesn’t impact the type of insurance you have. What’s more important is the type of home, how old it is, the value of it and where you live. Talking to an insurance broker can help you determine the exact type of coverage you need. Can I bundle home insurance with auto insurance? Yes! Not only can you bundle home and auto insurance in Ontario, you can also save money doing so. You can save up to 15% on each policy. Talk to an insurance broker to see what kind of savings you might be eligible for by bundling. I have a vacation home in another city in Ontario. Can I insure that home too even if I don’t always live there? Yes, you can insure your vacation home. If you have any questions, contact one of our local branches. More Ways to Find a Great Home Insurance Rate

https://www.brokerlink.ca/insurance/home/ontario

The Quebec government requires international students to obtain medical insurance that is valid in Quebec for the duration of their stay. All international students are automatically registered for the HEC Montréal health insurance offered by Cowan and the premium billed appears in their HEC en ligne account under the heading “tuition fees”. You must be covered by this insurance unless you are exempted because of your eligibility to the insurance from the Régie de l’assurance maladie du Québec (RAMQ). See details of fees, coverage and card printing guide here. If your country has signed a social security agreement with Quebec, you may be eligible for exemption from Cowan insurance. If you are not covered by the "social security insurance" in a country on the list below, you must keep and pay the Cowan insurance (HEC Montréal do not accept any other insurance plan). For eligible students: |Form BE/QUE 128 |Valid Danish health card, obtained before you leave |Form SF/Q 4, FIN/Q 1 or F1/Q1, produced by the Finnish Social Insurance institution |Form SE-401-Q-106, “Attestation of affiliation to the social security system of the country of origin: inter-university exchanges” |Form GR/QUE 6 (ΚΕΜΠΕΚ-ΕΛΛΑΣ 6) |Lux-Que Form 4 |Certificate issued by HELFO (Health Administration) or the NAV (National Office for Social Insurance Abroad), or the certificate of coverage under Nowegian social security (form N/Q 1 or N/Q 5), obtained before you leave |Form SRB/QUE 14 completed by competent authorities |Certificate issued by Försäkringskassan |Form ROU/QUE 106 Please note that medication, ambulance transport, emergency medical evacuation, repatriation of the body in the event of death and any trip outside Quebec are not covered by the RAMQ health insurance plan. In addition to the RAMQ or the Cowan insurance, we strongly recommend that you take out additional insurance according to your needs (baggage insurance, cancellation, etc.) or to extend your coverage for a longer stay in Canada. Find out in your country of origin before you leave, as you cannot take out such insurance from Canada. If you arrive in Canada before the HEC Montréal Cowan insurance coverage period (August 16 for the fall term or January 1 for the winter term), you must obtain medical insurance covering this period. Find out in your country of origin before you leave.

https://www.hec.ca/en/international_student/international_exchange/pre-arrival_guide/health_insurance/index.html

Friday July 2nd Maryland Symphony Orchestra Salute to Independence – 8pm Concert at Hagerstown Community College Shafer Park – Boonsboro Md. Fireworks at 9:30 Saturday July 3rd Waynesboro – No Full Length Summer Jubilee Event Main St Farmers Market will be open as scheduled with food, crafts, music Firecracker 5k run & Kids 1 mile fun run will take place this Saturday Fireworks will be launched from Waynesboro Senior High School that night! Sunday July 4th Hagerstown Fairgrounds: The annual fireworks will ignite the night with a barrage of color, light and sound, from the heart of Fairgrounds Park in Hagerstown. NEW THIS YEAR the event will pair patriotic music with the 30-minute spectacular fireworks show. At 9:30pm, 30 minutes of spectacular fireworks will light the sky while event-goers can enjoy the show and the music from Fairgrounds Park on a blanket or a lawn chair. The fireworks are also visible from many areas throughout the city for those not able to attend. Please note, no food or drink vendors will be at this year’s event. Event-goers are encouraged to bring their own food and refreshments. Chambersburg- Memorial Park, music, Food & kids bounce houses start at 4pm, Fireworks at 9:30 Shippensburg – Memorial Park, gates open at 6:30, Fireworks at 9:30 Smithsburg – Block Party on Drew Circle 3-7 Williamsport – Byron Memorial Park, band concert 6pm, Fireworks 9:30

https://www.live967.com/hub-city-july-4th-weekend-guide/

On 1 September 2023, the new Swiss Data Protection Act (nFADP) entered into force, with the aim to guarantee the security of the personal and sensitive data of Swiss citizens. This legislation has raised questions about the implications for businesses and the associated risks when processing data on behalf of third parties. Our Loycomates, risk management experts, Grégoire Mottier and Lionel Ducommun, have examined this question from an insurance perspective and offer you a summary here. Risk management according to the ISO 31000 standard Within the reference framework established by the ISO 31000 standard, risk treatment directly follows the phases of identification – analysis – and evaluation of the various risks. The 5 stages of risk treatment according to ISO 31000 Our survey of different insurance companies According to ISO 31000, “Risk treatment offers various strategies, one of which is to transfer or share the residual risk to an insurer, for a premium”.. It is in this context that our two experts carried out a survey of different insurance companies in order to clarify several essential points and determine: - if insurers will, in the short term, modify or restrict their “Civil liability for financial losses” coverage in the context of claims for damages based on the application of the nFADP (for example, in the event of a wrongful data leak); - whether insurers will be able to cover (via Cyber coverage?) fines of up to CHF 250,000 applicable to a natural person responsible for data protection, for example, in the event of non-compliance with minimum requirements in terms of data security. It should be noted that only intentional or potentially intentional action would result in such a sanction. However, the damage to the company’s reputation remains unchanged. Position of the insurers contacted and conclusions of the investigation - Insurance conditions for Civil Liability should not undergo significant changes in the short term, whether in terms of scope of coverage or premiums. This stability can be explained by the fact that the insurance conditions already referred to data protection legislation before the entry into force of the nFADP. Insurers therefore clearly prefer to observe the real effects of this new legislation before making changes to their products. - Generally, fines and penalties are not insurable. Any insurance contract covering such compensation would be considered contrary to good morals and would therefore be void under Article 20 paragraph 2 of the Swiss Code of Obligations. However, it should be noted that the insurance conditions for Civil Liability in the event of personal injury following a violation of the legislation can vary considerably from one company to another.. In particular, the cause of the insurable event must be carefully examined on a case-by-case basis. What to do in this context? Faced with the entry into force of the nFADP, the key to effective risk management lies in anticipation. Organisations are encouraged to: - ensure their compliance and expectations with the nFADP (which should already be in place), including in terms of their IT security; - establich a list of scenarios likely to lead to a violation of the nFADP that could result in damages to third parties; - take an inventory of existing insurance coverage (Civil Liability and/or Cyber) and examine them according to each scenario; - if applicable, contact their insurer or broker to clarify and ensure all necessary responses. The nFADP, while involving additional work for all organisations and creating some uncertainty, encourages organisations to strengthen their compliance and data security. For more information on the Swiss nFADP, you can consult the official Swiss government page here or contact our specialists for advice or support.

https://www.loyco.ch/actualites/new-data-protection-act-what-is-the-response-from-insurers/?lang=en

From wildfires in California and hurricanes in Texas to floods in West Virginia, hardly any area of the U.S. is immune from the threat of natural disasters. Despite this, many homeowners still lack the insurance needed to protect their property and possessions from such catastrophes. In fact, roughly two-thirds of all homeowners are underinsured for natural disasters, according to United Policyholders (UP), a nonprofit organization for insurance consumers. One contributing factor to this lack of coverage is the mistaken belief that homeowners insurance offers protection from such calamities. In reality, natural disasters are typically not covered by standard homeowners policies. In order to obtain protection, you often need to purchase separate policies that cover specific types of natural disasters. Here, we’ve highlighted the types of insurance coverage available and how the policies work. While homeowners insurance typically doesn’t pay for damage caused by natural disasters, most policies do protect against fire damage, including wildfires like the recent ones in California. The only instances of fire damage homeowners policies won’t cover are fires caused by arson or when fire destroys a home that’s been vacant for at least 30 days when the fire occurred. That said, not all homeowners policies are created equal, so you should check your policy to make certain that it includes enough coverage to do three things: replace your home’s structure, replace your belongings, and cover your living expenses while your home is being repaired, known as “loss of use” coverage. In certain areas that are extremely high risk for wildfires, it can be difficult to find a company to insure your home. In such cases, you should look into state-sponsored fire insurance like California’s FAIR Plan. Unlike fires, earthquakes are typically not covered by homeowners policies. To protect your home against quakes, you’ll need a freestanding earthquake insurance policy. And contrary to popular belief, Californians aren’t the only ones who should be worried. Most parts of the U.S. are at some risk for earthquakes. Indeed, the U.S. Geological Survey found that between the 20 years from 1975 to 1995 earthquakes occurred in every state except Florida, Iowa, North Dakota, and Wisconsin. To gauge the risk in your area, consult with the Federal Emergency Management Agency’s (FEMA) earthquake hazard map. While earthquake insurance is available practically everywhere, policies in high-risk areas typically come with high deductibles, ranging from 10% to 15% of the home’s value. What’s more, though earthquake insurance covers damage directly caused by the quake, some related damages such as flooding are likely not covered. Carefully review your policy to see what’s included—and what’s not. Though homeowners insurance generally covers flood damage caused by faulty infrastructure like leaky pipes, nearly all policies exclude flood damage caused by natural events like heavy rain, overflowing rivers, and hurricanes. You’ll need stand-alone flood insurance to protect your property and possessions from these events. The threat from flooding is so widespread, Congress created the National Flood Insurance Program (NFIP) in 1968, which allows homeowners in flood-prone areas to purchase flood insurance backed by the U.S. government. In some coastal regions, especially where hurricanes are prevalent, you might even be required to buy flood insurance. To determine the risk for your property, consult FEMA’s Flood Map service center. Even if you live in a location where flood insurance isn’t required, you may want to consider buying it anyway. Indeed, 90% of all natural disasters include some form of flooding, and more than 20% of flood-damage claims come from properties outside high-risk flood zones. Hurricanes and Tornadoes Most homeowners policies do offer coverage for wind-related damage. However, it depends on the type of storm that caused the damage. For example, wind damage from tornadoes and even some tropical storms is typically covered, but wind damage from hurricanes generally requires a separate windstorm policy, or in some cases, a hurricane rider. Because damage from hurricanes is often measured in the billions, these windstorm policies usually have higher deductibles that are often based on a percentage of your home’s value, instead of a fixed dollar amount. Some policies also come with a cap on coverage, so be sure to review exactly what type and amount of coverage your policy offers. Of course, high winds aren’t the only threat posed by hurricanes. Such tropical systems can also cause severe flooding, which is frequently the storm’s most damaging element. But as mentioned before, whether it’s caused by a hurricane or a tornado, flooding is not generally covered by homeowners insurance. For flood protection, you’ll need to purchase a separate flood insurance policy through the NFIP. Get the disaster coverage you need today To make certain you have the necessary insurance coverage to protect your home and belongings from natural disasters, consult with us as your Personal Family Lawyer®. We’ll help evaluate the specific risks for your area, assess the value of your assets, and support you to determine the optimal levels of insurance you should have in place. This article is a service of Seasons Estate Planning, Personal Family Lawyer®. We don’t just draft documents; we ensure you make informed and empowered decisions about life and death, for yourself and the people you love. That’s why we offer a Family Wealth Planning Session™, during which you will get more financially organized than you’ve ever been before, and make all the best choices for the people you love. You can begin by calling our office today to schedule a Family Wealth Planning Session and mention this article to find out how to get this $750 session at no charge.

https://www.seasonsestateplanning.com/think-your-homeowners-insurance-offers-protection-from-natural-disasters-think-again/

Thanks to their favorite fluffy kitten, a family was able to leave their burning home in the middle of the night unhurt. At approximately 3:30 a.m. on Thursday, the family’s cat noticed the flames. The parents and two children were sleeping when the cat pawed its way into their bedroom and bit the mother on the arm to warn her, according to the Edmonton Journal. The County of Grande Prairie Fire Department in Alberta, Canada confirmed that the cat contributed to the rescue’s success. “A cat is being credited with warning a family early this morning of a fire in their home,” County of Grande Prairie Fire Chief Trevor Grant said in a news release. “The family escaped the house unscathed.” A second cat was also saved from the fire by firefighters. William Vavrek, a freelance photographer, arrived on the scene just after fire crews started putting out the fire. “When I arrived, there was smoke coming from the trailer,” Vavrek told CBS News. Vavrek photographed firefighters from Clairmont, Dunes, and Sexsmith stations as they battled to limit the fire to the underside of the mobile home. He stood in front of the house and photographed one of the family’s cats being carefully taken down the front steps by one of the firefighters. His photograph was on the front pages of several local newspapers and was widely shared online. “Hero kitten,” one FB user wrote in response to Vavrek’s popular snap on his photography page. “Fantastic!” exclaimed another. Firefighters are simply relieved that the family and their devoted feline are okay. The family has contacted the Red Cross Canada and will move while the fire is investigated by the government.

https://animalsarelife.tv/the-heroic-cat-saves-its-family-from-a-fire-by-biting-its-sleeping-owner/

At ELM Insurance, every inquiry, every question, and every conversation is important. We value the opportunity to guide you through your insurance needs, ensuring you’re covered at every turn. Reach out, and let’s embark on your insurance journey together. "*" indicates required fields Building a Secure Tomorrow Protecting your construction business means understanding every beam, brick, and bolt that goes into it. With ELM, dive deep into construction insurance that’s as robust as your projects. Tailored to the complexities of the construction world, our policies offer peace of mind alongside the bricks and mortar.Request Quote Types of Construction Insurance Commercial General Liability Safeguard against unforeseen events with coverage against third-party property damage and bodily injuries, be it an unfortunate slip and fall or unforeseen damages during construction. Protection for your office space, equipment, land or building. Commercial Auto Fleets Insurance for multiple commercial vehicles ensures your transportation backbone remains resilient against unexpected events. Wrap-Up Liability & Builder’s Risk Focused coverage for specific project sites. While Builder’s Risk looks after the building during construction, Wrap-Up Liability covers potential risks involving pedestrians and all on the job site. Professional Liability (Errors & Omissions) Financial loss protection for claims alleging negligence or failure to deliver a service as promised. Contractors Pollution Liability Insurance Protection from work done by or on behalf of a contractor resulting in the release of a pollutant into the environment. Cyber Liability (Cybersecurity Insurance) Protect your top-tier information from Data breach, Cyber-attack, or other online incident. Directors and Officers Insurance Protection against potential corporate issues like embezzlement, harassment claims, or workplace injuries. Strength in Coverage Dive into insurance solutions that stand the test of time and challenges. With ELM, you’re not just insuring; you’re fortifying. Tailored to Fit Every construction project is unique, and our insurance reflects that. Custom solutions for individual project needs. A Tradition of Excellence ELM’s rich legacy in the construction insurance sector ensures you’re backed by expertise and experience every step of the way.

https://elm-insurance.com/service/construction-insurance/

So, you’re in the market for travel insurance, and Allianz has caught your eye. Before you decide, take a moment to absorb all the info we’ve served up. We’ve covered every nook and cranny – the coverage types, the perks – it’s all here. This isn’t about pushing you towards a decision; it’s about making sure you have everything you need to make the right choice for you. So, if Allianz Travel Insurance is on your radar, dive into this article. We’re here to make sure you benefit from every nugget of information. Addressing Concerns of Allianz Travel Insurance for Seniors Why Seniors Need Travel Insurance? Even as you grow older, the excitement of exploring new places doesn’t fade. But with age comes increased risks during travel, such as unexpected health issues or disruptions to your plans. That’s where travel insurance becomes a vital safety net, providing financial protection and peace of mind for seniors. 1. Increased Health Risks As we age, the chances of facing medical emergencies rise. Travel insurance ensures you have access to quality medical care abroad, covering costs that Medicare might not cover. 2. Pre-Existing Conditions Many seniors have pre-existing health conditions. Allianz offers plans that cover these conditions, easing the financial burden of unexpected medical attention while traveling. 3. Trip Disruptions Travel delays, cancellations, or interruptions can happen for various reasons. Travel insurance reimburses non-refundable trip costs, minimizing financial losses. 4. Unexpected Expenses Lost luggage, missed connections, or damage to personal items can add up quickly. Travel insurance provides coverage for these unforeseen expenses, ensuring a smoother travel experience. Medicare Doesn’t Travel: Protecting Your Health Abroad Medicare, the primary health insurance for many seniors, has limited to no coverage outside the United States. This leaves you vulnerable to potentially high medical bills in case of an emergency while traveling. Allianz Travel Insurance plans to bridge this gap, offering comprehensive emergency medical and dental coverage. Understanding Pre-Existing Condition Coverage Dealing with travel insurance and pre-existing conditions might seem overwhelming, but Allianz offers plans tailored to seniors’ needs. These plans include clear disclosures, stable rates, and flexible options to match your health needs and travel plans. Trip Cancellation and Interruption Covered Life is unpredictable, and travel plans can go awry. Allianz Travel Insurance understands this and provides coverage for various unforeseen situations, such as illness or injury, job loss, and natural disasters. This coverage helps you recoup non-refundable trip costs and manage unexpected financial losses. Remember, when purchasing a plan, it’s crucial to accurately disclose your pre-existing conditions to ensure you get the appropriate coverage. Highlighting Benefits of Allianz Travel Insurance for Seniors Explore with Confidence: Emergency Medical and Dental Assistance Picture this: you’re exploring a new city and suddenly face a medical emergency. With Allianz Travel Insurance, you can leave worries about finances and foreign healthcare systems behind. Their plans offer extensive emergency medical and dental assistance, including: - 24/7 access to multilingual medical professionals guiding you to the nearest suitable medical facility. - Direct billing arrangements with hospitals and healthcare providers, minimizing out-of-pocket expenses. - Emergency medical transportation, including air ambulance services if needed. - Coverage for various medical emergencies, from common illnesses to chronic conditions. With Allianz, focus on getting the care you need and enjoy your trip, knowing you’re financially protected. Lost Luggage No Worries: Baggage Coverage for Stress-Free Travel Lost or damaged luggage can turn a dream vacation into a nightmare. Allianz Travel Insurance provides baggage coverage to ease your worries, including: - Reimbursement for lost, stolen, or damaged checked and carry-on baggage based on your chosen coverage amount. - Coverage for personal belongings inside your luggage, like electronics and clothing. - Assistance with lost luggage recovery, including filing claims and communicating with airlines or transportation providers. Travel with peace of mind, knowing Allianz has your back if your luggage goes missing. Unexpected Detours? Travel Delay Protection to the Rescue Flight cancellations, missed connections, or inclement weather can cause travel delays, disrupting your plans and costing you money. Allianz Travel Insurance offers trip delay coverage to help you: - Reimbursement for additional expenses due to the delay, like meals, accommodation, and local transportation. - Missed connection coverage to help you catch up or reschedule flights. - Assistance with alternative travel arrangements to get you back on track quickly. Don’t let travel delays derail your adventure. Allianz helps you navigate unexpected twists with financial protection and support. 24/7 Support: Your Travel Concierge at Your Fingertips Traveling comes with questions and uncertainties. Allianz Travel Insurance provides 24/7 access to a team of experienced travel professionals serving as your personal concierge, offering: - Assistance with filing claims and resolving travel issues. - Translation services to help communicate with locals in case of language barriers. - Information and recommendations on destinations, attractions, and travel logistics. - Emergency assistance in unexpected events or medical emergencies. Whether you need help finding a doctor, navigating public transportation, or have questions about your coverage, Allianz’s dedicated team is there for you every step of the way. Focusing on Value of Allianz Travel Insurance for Seniors Finding the Right Fit: Exploring Allianz Travel Insurance Plans for Seniors Allianz understands that when it comes to senior travel needs, one size doesn’t fit all. They offer a variety of travel insurance plans tailored specifically for older travelers, each with different levels of coverage and benefits to suit your unique preferences and budget. Popular Plans for Seniors: - OneTrip Premier Plan: Ideal for single trips with comprehensive coverage, including emergency medical and dental, trip cancellation/interruption, baggage protection, and travel delay assistance. - AllTrips Premier Plan: Perfect for frequent travelers, offering annual coverage for multiple trips throughout the year with similar benefits as OneTrip Premier. - Basic Plan: Designed for budget-conscious travelers, providing essential coverage for trip cancellation, medical emergencies, and baggage protection. - Cruiseship Plan: Tailored specifically for cruise enthusiasts, covering medical emergencies, shore excursion mishaps, and missed port connections. Comparing Coverage & Costs: Making an Informed Decision Once you identify your travel style and risk tolerance, it’s crucial to compare coverage details and costs across different plans. Allianz’s website provides clear comparisons and easy-to-use quote tools to help you: - Compare key coverage levels: Understand inclusions and exclusions for each plan, ensuring you have the protection you need. - Estimate your costs: Get personalized quotes based on your trip details, age, and chosen plan, allowing for budget-conscious decision-making. - Read customer reviews: Gain insights from other senior travelers’ experiences with specific Allianz plans. Remember, the cheapest plan isn’t always the best value. Choose the plan that offers the right balance of coverage and affordability for your peace of mind. Senior Discounts & Special Offers: Travel Insurance Made Affordable Allianz recognizes the value proposition for seniors and often offers exclusive discounts and promotions: - Age-based discounts: Many plans offer lower premiums for travelers over 50 or 65, making travel insurance more accessible. - Multi-trip discounts: Frequent travelers can benefit from annual plans with discounted rates compared to buying single-trip coverage each time. - Seasonal promotions: Keep an eye out for limited-time offers and seasonal discounts to further sweeten the deal. By taking advantage of these opportunities, you can secure valuable travel insurance without breaking the bank. Invest in Your Well-Being: The Value of Travel Insurance for Seniors Travel insurance for seniors isn’t just an expense; it’s an investment in your well-being and peace of mind. Here’s how it adds value: - Financial Protection: Mitigates the risks of unexpected medical bills, trip cancellations, or lost luggage. - Reduced Stress & Anxiety: Allows you to relax and enjoy your travels without worrying about unforeseen circumstances. - Enhanced Travel Experience: Empowers you to explore new destinations and engage in activities with confidence, knowing you’re prepared for anything. Invest in Allianz Travel Insurance and embark on your next adventure with the security and peace of mind you deserve. FAQs: Allianz Travel Insurance for Seniors Do seniors get discounts on Allianz travel insurance? Yes, age-based discounts, multi-trip discounts, and seasonal promotions are often available. How do I file a claim with Allianz? Visit their website or call their 24/7 assistance hotline.

https://financhy.com/allianz-travel-insurance-for-seniors/

A recent article on HealthITSecurity.com reviewed the HHS’ Office for Civil Rights (OCR) recent announcement of the new OCR director and what it means for the world of HIPAA. The article will give you an overview of who is now leading enforcement of HIPAA regulations relating to data security, privacy, and data security incidents. The expectation, based on the new Director’s background, is that OCR will enhance its focus on data breach management and guidance, which includes additional guidance on risk assessment, analysis, and managing your HIPAA compliance program with an emphasis on enforcement. What does this mean and how can you protect your organization? In this article, we’ll go into what Loricca has been recommending to our customers for over a decade and how to manage your HIPAA Compliance Program to face the new direction from OCR. Data breach management begins with a risk assessment, as this is the first step in protecting patient information handled by your organization from a breach and a potential OCR audit. Under the HIPAA Security Rule (45 CFR 164.308(a)(1)(ii), you are required to - Conduct an accurate and thorough analysis of the potential risks and vulnerabilities to the confidentiality, integrity, and availability of electronic protected health information (ePHI) held by the covered entity or business associate. - Once you have completed the risk analysis, you must take any additional “reasonable and appropriate” steps to reduce identified risks to reasonable and appropriate levels. Risk analysis should be an ongoing process to regularly review records to track access to ePHI and detect security incidents, periodically evaluate the effectiveness of security measures put in place, and regularly re-evaluate potential risks to ePHI. No Cost Sources There are two no-cost sources that provide guidance on how to meet this requirement. The NIST Special Publication 800-66: An Introductory Resource Guide for Implementing the Health Insurance Portability and Accountability Act (HIPAA) Security Rule discusses security considerations and resources that may provide value when implementing the requirements of the HIPAA Security Rule. NIST also provides a NIST HIPAA Security Rule Toolkit, which will guide you through the process. Both provide a great deal of guidance, but they aren’t easy to use for someone without a background in HIPAA compliance, IT Security or auditing practices. Another great source to use is the NIST Cybersecurity Framework (NIST CSF). HHS has mapped NIST CSF to HIPAA, but again this can be very technical and while it certainly meets the requirements, the end result will only be as good as the team performing it. Third Party Assessors We are often asked if you are required to engage a Third Party assessor to perform the risk assessment. The short answer is no, but before making the decision, we recommend you consider several factors. - Does your team have the necessary experience? The purpose of doing a risk assessment is not to get a clean report or to check a box. The purpose is to identify where your organization’s risks are and evaluate if they are adequately protected. Doing a thorough and professional risk analysis that will stand up to a compliance review will require expert knowledge that could be obtained through the services of an experienced outside professional. - Do you have leadership support? Recommendations from an experienced professional can provide added leverage to obtain leadership support for the security budget. It is recommended that a risk assessment be conducted annually, in addition to identifying and managing risks on an ongoing basis. Not only will this provide the best protection against a ‘failure to maintain’ determination but it’s the best way to detect changes in the environment. The cost of doing annual risk assessments is easily a great cost-saving over a security incident or non-compliant business changes. Another approach is we can conduct an initial assessment and set your organization up to do self-assessments. How to Manage Risk Step 1: Identify, analyze and evaluate the risk. Evaluate the likelihood and impact of potential risks to ePHI. The benefit of identifying possible risks is that all stakeholders have access to the information and can implement a mitigation process if necessary. The scope of the risks identified must be analyzed. This includes determining the probability the risk will happen and the consequences. The goal of risk analysis is to understand how each risk could impact business functions and the business as a whole. If not already done, risks need to be ranked. A risk that will only cause minor inconvenience should be ranked with lower importance, while risks that will cause major losses should be ranked highly. The company should then make decisions based on whether the risk is worth having. If a risk can’t be eliminated, such as any market or environmental risk, it should be monitored. This can be done by occasionally following up on the risk and the plan put in place for it. Step 2: Mitigate the risk After evaluating the risk, a company should develop a plan to mitigate the highest-ranked risks. This can be done by connecting with the risk to the appropriate department within the company. Plans for risk mitigation can include risk mitigation processes, risk prevention tactics, and contingency plans. Implement appropriate security measures to address the risks identified in the risk analysis; Step 3: Creating an Action Plan Once you have completed these steps, create an action plan to implement appropriate security measures to safeguard the confidentiality, integrity and availability of ePHI and make your practice better at protecting patients’ health information. Document the security measures and, where required, the rationale for adopting those measures, the individual responsible for implementing the required changes, and a target date identifying when it is expected the required changes will be implemented. Step 4: Monitor and review the risk Maintain continuous, reasonable, and appropriate security protections. If a risk can’t be eliminated, such as any market or environmental risk, it should be monitored. This can be done by occasionally following up on the risk and the plan put in place for it. The overall risk management process should also be monitored and updated as necessary. Identification and management of risks is the key to not only protecting the sensitive data your organization has but also being prepared for any kind of breach enforcement activity. Throughout this process the importance of documentation cannot be overstated. Documentation of the risks and mitigation activities is critical not only to timely resolution but to protect the organization in the event evidence needs to be provided for due diligence. Following these guidelines will not only reduce the risk of a data breach but will reduce the cost and severity of any issue which does occur. Don’t forget to include your suppliers in this process as heightened scrutiny of vendor due diligence is also expected. McKeon, J. (2021, October 11). With a new leader, OCR to focus on risk analysis, HIPAA enforcement. HealthITSecurity. Retrieved from https://healthitsecurity.com/news/with-a-new-leader-ocr-to-focus-on-risk-analysis-hipaa-enforcement. CMS. (n.d.). Security risk analysis tip sheet: Protect Patient Health Information. Retrieved from https://www.cms.gov/Regulations-and-Guidance/Legislation/EHRIncentivePrograms/Downloads/2016_SecurityRiskAnalysis.pdf.

https://loricca.com/focus-on-risk-analysis-and-hipaa-enforcement/

Fire Safety Tips for Every Room of the House The unfortunate truth about household fires is that they can start for a myriad of reasons. From cooking incidents to improperly stored flammable items, many accidents can lead to a fire, which is why it is so vital to practice fire prevention throughout the house. Making sure that you and every member of your household are aware of common fire hazards can help you all go about your lives with safety in mind, which drastically reduces the likelihood that you will wind up with a fire on your hands. Read on to learn about fire safety tips you should know for every room. Kitchen Fire Safety Tips Kitchens are the room in the home where a fire is most likely to break out, so it is extra important to be vigilant. Make sure there is nothing flammable near your stove or oven (including curtains, dish towels and potholders) and that food is never left unattended on the stove. It is also important to keep a fire extinguisher handy in case of any flare-ups, and ensure everyone in the home knows how to handle a grease fire as opposed to a regular fire. Family Room Fire Safety Tips While family rooms do not typically contain as many fire hazards as other areas of the home, there are still risks to consider. Don’t leave candles burning unattended, and if you have a fireplace, make sure it is inspected regularly by a certified professional. For electronics, be sure to not overload electrical outlets and replace cords and cables if they become frayed or worn out. Garage and Storage Fire Safety Tips Storage areas such as garages or basements can often become cluttered, which can lead to an excess of fire hazards. Make sure any flammable materials, such as lighter fluid or chemicals, are stored properly and are not able to get too hot in the summer months. Also be certain that these areas have clear and accessible exits free from clutter that could block someone’s path should they need to escape quickly. *If you have damage to your home due to a house fire, you can count on us to help. Get in touch with us today to learn more about how our fire restoration services work.

https://servpropauldingpolkcounties.com/blog/post/377147/fire-smoke-damage-restoration/fire-safety-tips-for-every-room-of-the-house

In this blog post, we’ll explore the role of public adjusters, how they differ from insurance adjusters, and the potential benefits and drawbacks of hiring one. We’ll also provide tips on choosing the right public adjuster and discuss scenarios where their services may be most valuable. - Public adjusters are professional insurance experts who ensure policyholders receive the highest possible claim amount. - Hiring a public adjuster can result in increased settlement amounts, reduced time and stress, and expert guidance. - When selecting a public adjuster, it is important to consider their licensing credentials, recommendations/reviews of reliable sources, and communication abilities when negotiating settlements. Understanding Public Adjusters Insurance claims can be complicated and demanding, especially when dealing with large losses or conflicts between policyholders and their insurance products or companies. This is where public adjusters come into play. They are a kind of professional in the insurance field who works for clients to help them file their claim paperwork correctly so they get the best compensation possible from an insurer. The distinction between regular insurance adjusters (those working directly for insurers) and public ones is that they prioritize looking out for policyholder interests while filing, and negotiating settlements on behalf of individuals seeking coverage, rather than protecting the company’s financial goals like most traditional adjusters would do. Public Adjusters have access to many resources at their disposal, aiding them in ensuring accurate information about policies as well as higher payout amounts received by claimants involved in dispute resolution processes over any given claim amount being considered against it. Role of a Public Adjuster Hiring a public adjuster is the best way for policyholders to ensure fair claim payments while navigating their home insurance and claims process. These independent professionals provide expertise in assessing and documenting property damage, understanding local market codes as well as homeowners’ policies, negotiating settlements with an insurer, and meeting deadlines on filing paperwork. Public adjusters are thoroughly trained and licensed individuals who can help decipher complicated insurance terms or guide someone through trying times after experiencing substantial losses such as floods or fires. By enlisting the services of these experts comes at a cost typically ranging from 5%-20% taken out of any payout secured by the company providing homeowners insurance coverage. Those looking to file insurance claims without going through lengthy delays that cause stress should look into hiring one of these providers. Public Adjusters possess comprehensive knowledge about procedures related to business-related policies along with superior negotiation skills, making them stand apart from other similar groups like Independent Adjusters. In addition, insurance companies settle disputes with clients over damages sustained during incidents covered under pre-established contracts. This process can take weeks and incompetence or errors in the claim process can cost clients more time and money than deserved. Savvy specialists working for the benefit of loyal customers can handle complex situations and optimize outcomes for satisfactory resolution. How do you find a public adjuster? Finding a public insurance adjuster is easy with the National Association of Public Insurance Adjusters (NAPIA) website. Search by city, state, or ZIP code to find licensed firms. Get recommendations from friends or read online reviews to find a reputable adjuster. Consider the percentage they charge before hiring. Public Adjuster Surety Bond When hiring a public adjuster, it’s important to know about the surety bond requirement. A public adjuster bond is a surety bond required for individuals who work as public adjusters. These professionals help individuals and businesses file insurance claims and negotiate settlements with insurance companies. The purpose of a public adjuster bond is to provide financial protection to clients in case the adjuster engages in fraudulent or unethical practices. If the public adjuster fails to fulfill their obligations or acts dishonestly, clients can make a claim against the bond to receive compensation for any financial losses. The adjuster must go through a bonding process with a surety bond provider to obtain a public adjuster bond. This usually involves submitting an application, undergoing a credit check, and paying a premium based on the bond amount and the adjuster’s creditworthiness. The government and insurance industry aims to protect consumers from potential fraud or misconduct by requiring public adjusters to have a bond. The bond serves as a form of assurance that the adjuster will comply with the laws and regulations governing their profession and fulfill their responsibilities to their clients. In summary, a public adjuster bond is a form of insurance that provides financial protection to clients in case a public adjuster acts dishonestly or fails to fulfill their obligations. It’s an important requirement for individuals working in the field of public adjusting to ensure consumer protection and trust. Buy a Public Adjuster Bond Public Adjuster vs. Insurance Adjuster The fundamental difference between most public adjusters and insurance adjusters is the party they represent. An insurance adjuster employed by an insurer surveys damage done and ascertains the price of repair work needed but keeps their commitment to the company as a priority while working for them. Meanwhile, a public adjuster works on behalf of the policyholder with loyalty towards that person in order to strive for reasonable negotiation outcomes when it comes to monetary reimbursement from insurers. Insurance adjudicators need comprehensive knowledge about structural components so as not to be erroneous in comprehending destruction or costing fixing up expenses. However, the biggest responsibility lies in keeping steady communication along with a good relationship between either side ie: the client (policyholder) & firm(insurer). Public Adjusters handle this by using specialized proficiency altogether while settling disputes over the compensation amount due, which at last promises the best possible agreement value giving the customer its rightful delivery. Benefits of Hiring a Public Adjuster By recognizing the role public adjusters have to play With insurance adjusters, let us evaluate what advantages there can be to your own adjuster or hiring one. Employing a public adjuster has several potential benefits such as better payouts, saving time and energy along with providing professional advice. Public adjusters are knowledgeable about the whole claims process thus making it easier for you to obtain an optimal settlement amount from your insurer. They provide their expertise which decreases stress levels since everything is handled efficiently by them throughout all stages of the claim’s progress. Increased Settlement Amounts When hiring a public adjuster, policyholders can potentially receive greater returns on their insurance claims. In fact, according to the Florida Association of Public Insurance Adjusters, homeowners who employed an experienced public claims adjuster saw higher payouts from insurers compared with those without one in years past. A knowledgeable public adjuster can work closely with the insurance company in order to assess damages more accurately and negotiate effectively for increased settlement amounts. These professionals understand relevant documentation requirements as well as customer rights when it comes to filing a claim. They are also willing to take cases based on contingency if necessary. By enlisting the services of this type of expert advocate before finalizing your decision regarding coverage or money received could mean that you end up having more cash at hand instead of expected initially due to claimed damage has been examined properly and compensated equitably. Time and Stress Reduction When faced with an insurance claim, navigating the claims process can be complicated and overwhelming. To lessen your stress and help speed up the process, hiring a public adjuster is recommended. They are well-versed in understanding policies and negotiating on their client’s behalf for successful outcomes from claims. Not only do they provide efficient service by managing all paperwork & communication, but they also free you to focus more on recovering post-loss rather than worrying about complex proceedings between yourself & insurers. The expertise provided by professional adjusters proves advantageous when dealing with large or complex cases such as these. Thus providing great aid to policyholders alike! Expert Guidance and Support Public adjusters can provide great support and guidance for policyholders going through the claims process. Their knowledge on insurance policies, and procedures, as well as experience with negotiating settlements from companies, make them invaluable to any claim holder looking for an equitable outcome. To increase potential payments and reduce stress levels throughout the proceedings, public adjusters will help manage paperwork efficiently while representing you in front of your insurer on your behalf. Even when faced with difficult or complex situations that involve large-scale cases such as those involving businesses or homes where damage has occurred due to storms or other catastrophes, they are able to maximize coverage by leveraging their expertise in this specific area ensuring fair insurance settlement and outcomes every time. Potential Drawbacks of Hiring a Public Adjuster When it comes to hiring a public adjuster, there can be considerable advantages. Potential drawbacks such as costs and availability also need to be taken into account. Hiring an adjuster may entail financial investments which must not go unnoticed when making the decision whether or not to employ one. When deciding to hire a public adjuster, the cost must be taken into consideration. Their fee structure is between 5-20% of the total settlement, or they may charge an hourly/flat rate instead. This approach can prove beneficial for larger claims resulting in higher settlements. It might not pay off for smaller, less complex claims payout cases where another option could provide better economic value. It’s important to weigh both advantages associated with hiring an adjuster, such as increased claim payout in amount and assistance during the claim process against costs like fees, before making a decision on how best to handle your property loss issue. Availability and Legitimacy Before hiring a public adjuster, it is essential to check out their references and verify if they have the necessary license from your state insurance department. Ensure you understand all fees associated with their services so there are no surprises later on. It should also be noted that some states do not allow such practices while others can offer untrustworthy individuals who might scam you or could opt only for larger-scale claims due to making money based off of the settlement amount of large claim instead of giving importance to smaller ones. Tips for Choosing the Right Public Adjuster Finding the right public adjuster can be tricky, but by considering certain key features, one may find a reliable professional who will guide them through the claims process with expertise. Here are some tips to help you make your choice: - Look for an adjuster knowledgeable of the different types of claims that might arise - Familiarize yourself with their experience and track record in dealing with successful cases - Ensure they have all appropriate certifications needed to practice in your state or province. - Finally, determine if any additional services, such as advisory/consulting support, would come into play. Licensing and Credentials The primary concern should be to ensure that the public adjuster you intend to work with has a legitimate license and is suitably qualified to handle your claim. It is not advisable that an uninsured contractor or lawyer be chosen as they may lack the specialized proficiency needed for the successful completion of this process. To check credentials, consult the state insurance department website or request documents directly from the insurance company’s adjuster. Confirming their licensing will guarantee professional competence when dealing with matters regarding the claim adjustment services required. Recommendations and Reviews When searching for a reliable public adjuster, reviewing the feedback from trusted sources and online reviews is beneficial. People you know such as family or those in the insurance business may be able to provide helpful insights into an individual’s professional abilities. When assessing potential adjusters, investigate their skill set and competence when dealing with claims on behalf of clients. To their ability to stay connected throughout negotiations with insurers. Reviews should also note how capable they are at quickly obtaining equitable settlements while maintaining effective communication. Communication and Transparency Clear communication and transparency should be your top priority when choosing a public adjuster. An ideal public insurance adjuster will maintain effective dialogue between all individuals involved in the claims process, keep you informed of progress on the claim, and openly share any related information or updates. Before signing with an adjuster, it is important to review the contract details such as fees. Don’t hesitate to ask for clarification if anything appears vague or ambiguous. When deciding upon a public service professional dealing with insurance claims, communication is key. When to Consider Hiring a Public Adjuster Hiring a public adjuster for every situation may not be mandatory, but there are times when having their services can yield positive outcomes. It is worth considering the advantages of engaging an a public adjuster cost less in certain cases. Hiring one could prove beneficial and provide solutions that wouldn’t have been achieved otherwise. It is important to look at all available options when enlisting such expert help with specialized skills, as this will maximize chances of success and ultimately guarantee desired results from hiring a public adjuster. Large or Complex Claims When dealing with large or complex claims, involving multiple policies and significant damages, hiring a public adjuster is often the best option to help you navigate them to a fair payout. These professionals have extensive experience handling such cases, making them uniquely qualified for securing fair settlements. By enlisting an adjuster’s expertise and knowledge of these intricate issues, they can ensure policyholders receive appropriate compensation for their losses. Disputes with the Insurance Company If you find yourself facing a dispute with your insurance provider over their assessment or settlement offer, hiring a public adjuster might be beneficial. Through this action, they can provide support and advice so that policyholders can maximize what benefits they’re entitled to under their existing coverages, as well as provide answers about anything about claims made about the insurer’s staff. Having someone who is dedicated to representing your interests when hiring an expert like this will help even out any chances and give you more confidence during all stages of such a potentially stressful process, from negotiations right through to receiving fair compensation for everything due by law. Hiring a public adjuster may be beneficial when it comes to the often complex and lengthy insurance claims process. Public adjusters possess the expertise and can offer guidance when filing for claim compensation. Such professionals can help maximize potential settlements while reducing the stress associated with this procedure. Knowing their role in detail is important so you decide whether or not their services should be enlisted. With professional support from a public adjuster, securing fair payment becomes more feasible, resulting in significant relief during the entire insurance-based ordeal. Frequently Asked Questions What are the 4 types of claims adjusters? Claim adjusters come in four varieties: company, independent insurance professional, public, and staff. Representing the insurer are company adjusters, while for their part, public adjusters act on behalf of policyholders to protect them from potential harm. Insurers contract with independent agents, whereas they have full-time staff adjusters working within their offices. How much is the public adjuster fee in Texas? The state of Texas stipulates that any fees charged by a public adjuster cannot exceed 10% of the claim settlement and must be clearly outlined in the contract between parties. What does a public adjuster do in Pennsylvania? In Pennsylvania, a Public Adjuster (PA) is an individual who holds special certification and represents the policyholder in preparing their first-party property insurance claims. A PA’s expertise allows them to simplify and speed up the homeowner’s insurance claim and process while negotiating with the insurer on behalf of their client. The fee for services rendered by these licensed professionals consists of a percentage of any successful settlement agreed upon between them and the carrier. They are separate entities that act independently from insurance companies but work towards obtaining fair compensation for those affected financially due to damages or losses incurred through covered events under policies held with said company. What is the main purpose of a public adjuster? The primary responsibility of a public adjuster is to aid insured persons in filing and getting the maximum payout for their claims. They ensure policyholders secure an optimal amount from each claim they submit. How do public adjusters charge for their services? Public adjusters set their fees based on the complexity of a claim and how much time it will take to resolve. They may charge from 5%-20% or sometimes an hourly rate. It is common for these professionals to determine what percentage, flat fee, or per-hour costs are best suited depending on how complicated the case might be.

https://suretybonds.co/public-adjuster/

925 Capitol Landing Rd. Suite A Williamsburg, VA 23185 Apartment life seems much more carefree than that of a homeowner's. Write a monthly check and the landlord maintains the grounds and fixes any plumbing problems. Renters don't have to worry about taxes or mortgages. The State of Virginia doesn't require landlords to insure you against loss. But, a landlord may require you to take out a renter's insurance policy. Such policies make good sense. If you are the victim of a burglary, fire or natural disaster such as flooding, you could be left with a hefty loss and major replacement bill for your personal belongings. At the Commonwealth Insurance Center, our professionals are committed to helping members of the Williamsburg, VA, community select a policy that meets your needs. Most renter's insurance policies cover the loss of personal property due to things such as theft, fire and vandalism. The level of compensation for a claim will be determined by the level of coverage of your policy. For items like electronics, you can estimate the value of what you own and choose a plan that would replace everything in the event of a total loss. There are options in renter's insurance policies to even protect against power surges that can ruin devices. It's advisable to keep a record of high-end items. It's common practice that an insurance company would need proof of purchase. One of the key items that you should consider when taking out renters insurance is temporary living expenses. In the event of a fire, flood or hurricane, your apartment complex may become uninhabitable for days, weeks or months. Being forced to relocate can become quite expensive. Consider what a hotel room would cost for just a few weeks. Add the cost of not having a full kitchen and having to eat out. The expenses add up quickly. Selecting or upgrading your policy to cover temporary living expenses may be in your best interest. Renter's insurance is like homeowners when it comes to natural disasters. Things like flooding are generally not standard on policies. Adding specific protections like these tends to be inexpensive and provides great peace of mind. At Commonwealth Insurance Center, we are committed to helping the people of Williamsburg, VA create and upgrade renter's insurance policies that provide a sense of security. If you are interested in renter's insurance or want to update an existing policy, call us today. Our professional staff members are happy to serve the people of Virginia.

https://www.cicva.com/renters-insurance.html

The world is more connected than ever before. With the click of a button, we can access anything and everything online. Unfortunately, this also means that our personal information is more vulnerable than ever before. That’s why cybersecurity is so important. It protects us from cyber-attacks, which are becoming more and more common. In fact, cybersecurity is one of the most important aspects of online safety, all the way from a virus scan to penetration testing. Here are ten reasons why cybersecurity is so important: 1. Data breaches are becoming more common According to a report from IBM, the number of data breaches increased by 27.5% in 2019 alone. And these numbers are only expected to rise in the years to come. This means that businesses and individuals alike need to be more vigilant about protecting their data. 2. Cyber-attacks are getting more sophisticated As technology advances, so do the methods used by cybercriminals. These days, attacks are often highly targeted and can result in major financial losses for businesses and serious damage to an individual’s reputation. 3. The costs of a cyberattack can be devastating A single cyberattack can cost a business millions of dollars in damages. Not to mention, the reputational damage that can be caused by an attack can be irreparable. 4. Your personal information is at risk From your social security number to your credit card information, there’s a lot of personal data floating around online. And if this data falls into the wrong hands, it can be used for identity theft or other fraudulent activities. 5. Cybercrime is on the rise According to the FBI, cybercrime has increased by 300% over the past three years. This surge in activity is only expected to continue as more and more people and businesses move online. 6. Small businesses are especially vulnerable While large businesses often have the resources to invest in robust cybersecurity measures, small businesses are often left vulnerable. This is because they often don’t have the budget or manpower to adequately protect themselves from cyberattacks. 7. Your devices are at risk From your smartphone to your laptop, all of your devices are potential targets for cybercriminals. And as we rely more and more on our devices, the risks associated with them continue to increase. 8. The internet of things is a security nightmare As more and more devices are connected to the internet, the potential for cyberattacks increases exponentially. This is because each device presents a new entry point for hackers to exploit. 9. Cybersecurity is not a one-time investment Investing in cybersecurity is an ongoing process. This is because the threats are constantly changing and evolving, which means businesses need to continuously adapt their defences. 10. Everyone needs to be proactive about cybersecurity From businesses to individuals, everyone needs to do their part to protect themselves from cyberattacks. This includes staying up-to-date on security measures, being aware of the latest threats, and reporting any suspicious activity. As you can see, cybersecurity is a critical issue that everyone needs to be aware of. By taking the necessary precautions, you can help protect yourself, your business, and your data from the ever-growing threat of cybercrime. Image Credits: Stillness InMotion

https://www.previousmagazine.com/10-reasons-why-cybersecurity-is-important

Buying a house can be made more accessible by an agent for real estate. However, buyers must discern between two kinds of agents involved in the buying process: the buyer’s agent, who represents the buyer, and the seller’s agent, who is responsible for placing the buyer’s best interests first. The Advantages of a Buyer’s Agent The main benefit is that agents are generally more skilled in negotiating. In reality, a real estate agent may negotiate on your behalf or verify essential aspects of the property before you decide to buy it or sign the transaction. Buyer’s agents are beneficial when large amounts of cash are involved. The other benefit when doing business with an agent in real estate is that they can access the most effective tools available to buyers’ agents. Software such as Matrix, available only for real estate professionals, permits them to get more details about properties. The tool also carries the same analysis for similar properties. The third benefit is that real estate agents carry professional liability insurance that can safeguard you during buying. Agents can also help better understand and create the conditions of a purchase contract. The fourth benefit of having a buyer’s agent is that an experienced buyer’s representative can guide you on the best places to find property and areas on the rise with rising real estate prices. They may also assist you through the inspection procedure if any issues previously unnoticed are discovered, and you must return to the table for negotiations. Selecting the right buyer’s agent is essential to ensure the smoothest and most successful real estate transaction. A buyer’s agent is your guide throughout buying a home, offering expert advice, market knowledge, and individualized assistance. At Premier Home Finders, they are experts in providing top-quality buyer’s agents focused on your interests. With our experienced team of experts, you can confidently and confidently navigate the challenging real estate market. Whether you’re a novice buyer or a seasoned investor, their commitment to outstanding customer service and meticulousness distinguishes us from others. Visit premierhomefinders.com.au to discover how their buyer’s agent services can make all the difference in finding your dream home. The Disadvantages of a Real Estate Agent The buyer’s agent is the intermediary for you with the vendor, which could make interaction with the vendor more complex. If you wish to communicate with someone something and the information needs to be passed through a different person, the message may change. So, you’ll have a third party to manage if you work through a buyer’s agent. As an individual buyer, you’ve got requirements and expectations. That is why you may wait to discover the ideal agent. First, however, you must ensure the potential candidates you choose know what you require and can meet your expectations. The third issue is that sometimes the seller may pay the agent who is selling the property the brokerage fee. Therefore, the seller may not be able to lower their sale price to the extent that you would if you were dealing directly with them.

https://www.timemagazine.org/buyers-agencies-advantages-and-disadvantages/

Carson City, Nov. 12, 2021 (GLOBE NEWSWIRE) — Talisman Casualty Insurance Company , a company based in Las Vegas, Nevada, wants to emphasize that they provide a modern approach to business insurance for today’s businesses through the use of protected cell captives. The purpose of a captive is to provide insurance or reinsurance coverage for the risks of the entity or entities to which it belongs. Only a small percentage if any of the captive’s risk exposure is for offering insurance or reinsurance to other parties. Talisman Casualty is a protected cell captive insurance company that is domiciled in Nevada that offers specialty insurance through the provision of protected cells to underwriters who have established books of business and want a regulated vehicle for transferring risk and offer their services to alternative risk finance and reinsurance markets. A spokesperson for Talisman Casualty Insurance Company says, “We offer custom-tailored claims management through the use of state-of-the-art technology. And we also employ different claims management providers to allow efficient claims processing for each of our cell programs. The efficiencies that technology can bring to the claims process can be streamlined within the cell giving participants a high level of service. Also, the use of local adjusters who meet high ethical and competent criteria gives participants the best claims experience. And because claims account for the majority of a captive’s expenses, best practice claims management is one area where captives can distinguish themselves from most traditional insurers. This is why Talisman Casualty Insurance is the top choice for captive insurance in Las Vegas.” An important benefit for businesses participating in the Talisman Casualty captive cells is that they have minimal risks of getting involved in claims that come with lawsuits. This is made possible by the efficient claims processing that they ensure through the use of dependable claims processing service providers and state-of-the-art claims technology. There are a number of factors that make Talisman Casualty stand out among its competitors. These are the fact that they are client-focused, their local knowledge and the feedback from their insureds enable them to adjust faster and have the flexibility that is desired by the market, and their provision of business analytics and resources to the insureds allow them to smartly manage their risks. One of the key insurance programs provided by Talisman Casualty is a Pet Professional Program. This is a targeted small business owner general liability insurance model for those who are providing various kinds of pet services, including pet sitters, pet trainers, dog walkers, pet breeders, pooper scoopers, pet groomers, and other pet-related services. The Talisman small business general liability protected cell is flexible enough to include emerging small business markets such as pet care services. Talisman Casualty also has a Marine Program that is designed for small to medium-sized marine businesses. It provides Maritime Employers Liability, Comprehensive General Liability, and Hull and Protection & Indemnity. They also have a Surety Program allowing clients to get a surety bond. This is a promise offered by a guarantor who will pay a particular amount of money to the obligee in case the principal, such as a contractor, was unable to fulfill its obligations to the obligee. Talisman Casualty Insurance Company serves as an alternative risk transfer approach for property and liability insurance. All of the bonds and insurance policies offered by Talisman Casualty are duly regulated, licensed and authorized insurance policies under Nevada state laws. Talisman Casualty functions as a protected cell captive insurance company that offers bonds and insurance policies to principals who sign a participant agreement and become shareholders and participants in the captive. Cell captive participants have the benefit of gaining access to regulated structures and international reinsurance markets with the resulting advantages of lower insurance costs and expansion of their coverage in line with the objectives of the business. All insurance coverage offered by Talisman is commercial and only available to businesses participating in the underwriting cell. Business owners who would like to know more about the Talisman Casualty suit and claims processes can visit their website, or contact them through the telephone or via email. For more information about Talisman Casualty Insurance Company, contact the company here: Talisman Casualty Insurance Company 7881 W. Charleston Blvd, Suite 210 Las Vegas, NV 89117

https://www.wowgoldprice.org/talisman-casualty-insurance-company-offers-modern-approach-to-business-insurance-via-protected-cell-captives.html

A policy run instructs the ESM agent to gather security data by executing the modules contained in the policy. You can then view the results of the policy run in the ESM console. The Policy Run Wizard lets you start or schedule a policy run. It leads you through each step of the process and helps you quickly ensure that the policy run contains the policy and modules that you want to be run on a specific agent To create a policy run Do one of the Access the Policy Run Wizard by clicking its icon on the toolbar. Alternatively, right-click a policy and click Policy Run Wizard. Right-click the Policy Runs node, and then click Click the ESM manager that initiates the policy run, and then click Next. Click the policy that you want to execute, and then click Next. Click the modules that you want to include in the policy run, and click Next. Click the domain on which you want to execute the policy run. You can only select one domain per policy run. Click the agents on which you want to run the policy. Type or select a maximum policy run message count, or check No message count limit. Check Enable LiveUpdate for the agents in this policy run if you want to enable LiveUpdate. When you enable LiveUpdate, the selected agents are updated with the Security Update that you have installed on the computer. Review your selections, then click Finish to start the policy run or to schedule the policy run to start later.

http://certsrv.ru/esm_help.en/ch04s04s01.htm

One of the leading causes of fires in residence halls is arson. No matter how small a fire, whether it is a bulletin board or a trash can, it can become a fatal fire. The StoryMy son, Michael Minger, 19, a sophomore, was killed and 14 others were injured in an arson fire that was started when someone poured gasoline in his residence hall hallway and lit it. There were no automatic fire sprinklers in the building and the fire alarm system was not adequate to warn everyone about the fire. Even though this was an arson fire, which is one of the leading causes of fires on campuses, both sprinklers and a proper fire alarm system would have made a difference in the outcome of this fire. Michael was majoring in Broadcast Journalism and vocal performance. Despite having a learning difference, he was driven to always do his best. He was very serious about his education and had a 3.936 GPA at the time of his death. Michael had a big heart and his hero was his twin sister. Fire safety is Life Safety. It is so important that you know how to pick fire safe housing, either on- or off-campus, and that you you know what to do if an emergency happens, no matter where you are, your residence hall, fraternity, sorority, a restaurant, a movie theater – anywhere. A fire can break out at any time and simply knowing two ways out may make all of the difference. Remember, fire safety, it’s part of living. - You need to know this information for after when you are visiting friends who live off-campus and for when you move out of the residence halls. - This is only some of what you need to know. There is more information online at the links below. - Over four out of five of the campus-related fire fatalities and injuries happen off-campus. Think about this when you are visiting someone’s house. - What you learn here can save lives…yours, your friends, your roommates - Escape Planning - Always know two ways out, wherever you are. - The way you came in might be blocked when you try to get out. - Your second way out might be something like a window. - Automatic Fire Sprinklers - Fire sprinklers save lives — they are a powerful line of defense in fighting fire. - They can put out the fire within seconds, long before any fire department can get there. - Despite what you see in the movies, only one or two sprinklers will go off and they will put out the fire. - Smoke alarms - Smoke alarms in the residence halls, you don’t need to worry about testing them. Facilities will do that. - Do NOT cover them with anything. It puts you and everyone around you in danger if they can’t do their job. - When you move off-campus, make sure you have working smoke alarms in your home. They can save your life. - Smoke alarms – install them, test them, maintain them. They can’t save your life if they can’t do their job. If you don’t have them, for the price of a pizza you can buy a smoke alarm. - Escape Planning – Know two ways out, no matter where you are. Your second way out may be a window. Be ready, know what to do before the emergency. There is a lot more that you can know to be fire safe. For more information, visit these links. - United States Fire Administration - National Fire Protection Association - Campus Firewatch

http://www.mingerfoundation.org/cause/michael/

There are many factors that are starting points to policy implementation. This week you explore those factors. There are also many factors that lead to the failure of policy implementation. You will examine those factors as well. According to Jansson (2010), policy implementation is a “critically important part of policy advocacy because many meritorious policies are inadequately implemented” (6th ed., p. 485). Why might this be so? This week, you are guided through the process of assessing policy advocacy strategies during the implementation phase, which is called troubleshooting. Troubleshooting is vital to ensuring a successful outcome for an implemented policy. - Analyze policy implementation challenges - Analyze social workers’ ethical issues of policy implementation - Apply policy implementation practices - Analyze policy alternatives - Analyze issues related to policy alternatives Jansson, B. S. (2018). Becoming an effective policy advocate: From policy practice to social justice (8th ed.). Pacific Grove, CA: Brooks/Cole Cengage Learning Series. Chapter 13, “Troubleshooting the Implementation of Policies in Task 7” (pp. 460-487) Lane, S. R., & Humphreys, N. A. (2011). Social workers in politics: A national survey of social work candidates and elected officials. Journal of Policy Practice, 10(3), 225–244. doi:10.1080/15588742.2011.582809. Note: Retrieved from Walden Library databases. Discussion: Policy Implementation Challenges Implementation never occurs in a vacuum. —Bruce S. Jansson, Becoming an Effective Policy Advocate: From Policy Practice to Social Justice (8th ed.) When a policy is launched, its success is dependent on a variety of stakeholders. As the politics of decision makers, executives, staff, clients, and social workers begin to influence the implementation process, their beliefs—and subsequent actions—determine the fate of the policy. Often a social worker must step out of the comfort of his or her social service world and may find himself or herself making difficult decisions about ethical issues and/or may find himself or herself involved in implementing policies that he or she feels is against his or her social work values. How does a social worker handle the intricacies and challenges of policy implementation on both a personal and professional level? In this Discussion, you explore policy implementation and the challenges faced by social workers during policy implementation. By Day 3 Post your thoughts on whether social workers might try to undermine the implementation of specific policies. What ethical issues might they confront? Discuss how social workers can implement policies that they feel may be against their social work values. Discuss a specific policy’s impact that you would try to mitigate in the implementation phase. Provide an experience you have had with a policy you had difficulty implementing or a policy you are aware of that you would have serious qualms about implementing.

https://customnursingwriters.org/discussion-post-troubleshooting-policies/

Customer Service Representative - State Farm Agent Team Member Full Time in St.Cloud, MN This busy insurance and financial services office has a passion to make a difference in the lives of others and better the community. If you want to work in an environment that is fun, challenging, and rewarding, then Dan Anderson - State Farm Agent may be the right fit for you! If you believe in having fun in a stable working environment and have a willingness to learn, we should meet to discuss our career opportunity. about our agency - Our mission is to help people manage the risks of everyday life, recover from the unexpected and realize their dreams. - We help customers with their insurance and financial services needs, including Auto Insurance, Home Insurance, and Life Insurance. - Our office is located in Saint Cloud, MN. - I have been a State Farm agent since 2000. apply now and let us put you on the path to success.Apply Now State Farm agents are independent contractors who hire their own employees. State Farm agents’ employees are not employees of State Farm. Agents are responsible for and make all employment decisions regarding their employees. Join a community of good neighbors Make a difference in your community every day. Gain confidence and grow your dream career. Earn benefits and rewards that are second to none

https://insuremedan.com/jobs/opening2

GROW!T Commercial Coco is a high-quality, hydroponic growing medium that has been specially designed for professional and commercial growers. This versatile and sustainable substrate is made from coconut coir, a renewable resource known for its exceptional water retention, aeration, and root development properties. With its consistency and reliability, GROW!T Commercial Coco provides the ideal foundation for hydroponic systems, ensuring healthy, robust plant growth. - Premium Coco Coir: GROW!T Commercial Coco is crafted from the finest coconut coir, a renewable and eco-friendly alternative to traditional growing media. - Optimized Consistency: This coir is processed to provide uniformity, ensuring reliable and predictable results for commercial applications. - Exceptional Water Retention: Coco coir’s natural ability to retain water promotes steady moisture levels throughout your growing cycle. - Aerated Structure: The airy and light texture of the coir fosters optimal root oxygenation and growth. - pH Neutral: GROW!T Commercial Coco has a neutral pH, making it compatible with a wide range of crops and growing conditions. Benefits of Using GROW!T Commercial Coco: - Sustainability: By utilizing coconut coir, you support eco-conscious growing practices and reduce your carbon footprint. - Consistent Results: The uniformity of this coir guarantees that your commercial yields will be dependable and of high quality. - Hydroponic Excellence: GROW!T Commercial Coco excels in hydroponic systems, offering ideal water-holding capacity and root structure support. - Root Development: The light and fluffy texture facilitates healthy root development, ensuring vigorous plant growth. - Versatility: Suitable for various growing methods, from hydroponics to containers and raised beds. - Large-Scale Commercial Growing: Designed for use in commercial operations where reliability and performance are paramount. - Hydroponic Systems: Ideal for hydroponic setups that require precise control over moisture and root health. - Sustainable Agriculture: Aids in sustainable and eco-friendly agricultural practices. - High-Value Crops: Suited for the cultivation of high-value crops that demand consistent quality. - Professional Greenhouses: An excellent choice for commercial greenhouses to maximize yield and quality. GROW!T Commercial Coco is the ultimate choice for professional growers and commercial operations that require the highest standard of performance and sustainability. Whether you’re cultivating vegetables, flowers, herbs, or other crops, this premium coconut coir ensures your plants have the perfect environment for success. Make the eco-conscious choice with GROW!T Commercial Coco for your large-scale hydroponic and commercial growing needs.

https://modernfarms.store/shop/growt-commercial-coco-5kg-bale/

Data Delivery Alliances offer solutions to support a carrier’s critical business needs across the insurance continuum. These organizations enable the delivery of LexisNexis data analytics solutions through their own software products and services. Examples include software or service providers and agency management systems/comparison raters. Featured Data Delivery Alliances: Duck Creek Technologies is a leading provider of core system solutions to the P&C and General insurance industry. By accessing Duck Creek OnDemand, the company’s enterprise Software-as-a-Service solution, insurance carriers are able to navigate uncertainty and capture market opportunities faster than their competitors. Duck Creek’s functionally-rich solutions are available on a standalone basis or as a full suite, and all are available via Duck Creek OnDemand. iPipeline’s vision is to dramatically improve how insurance is sold. Munich Re Automation Solutions Ltd., a Munich Re subsidiary, is the world leading software provider of digital underwriting and data analysis solutions to the life insurance industry. For the past 31 years, we have transformed how consumers are buying life insurance with creative technology that gives insurance companies the power to grow their business profitably. Our success is built on the collective skills and expertise of our staff, the reliability of our cutting-edge solutions and our global experience. With 87 live deployments across 38 countries, Munich Re Automation Solutions Ltd is uniquely positioned to de-risk your digital new business and underwriting projects. First Internet Solutions First Internet Solutions is an experienced provider of modern insurance processing solutions, and developer of the Equip Express© Property & Casualty Insurance Processing Suite. Through expertise in critical insurance areas such as rating, quoting, policy processing, and billing, First Internet Solutions equips carriers with next generation processing applications at a lower total cost of ownership (TCO). First Internet Solutions has been helping clients achieve strategic insurance goals since 1999 through flexible delivery models including Cloud hosting and SaaS. Are you looking for a Partner to work with you on your technology plan? Garvin-Allen's success is based on partnering with companies to help them achieve their technology goals. Our client's rely on our products, personal service, and vision. Our team includes industry and IT experts who build lasting relationships with our customers. Garvin-Allen's portfolio of modular products includes Quoting & Rating, Issuing, Claims, Billing, Reinsurance, Agent & Consumer Portals, and more. Companies of all sizes depend on our team and our Advanced Insurance System (AIS) to provide a flexible, cost-effective and easy-to-use solution for all lines of business. The P&C insurance industry is changing fast. You need the right policy administration software to be on the front-edge of new opportunities. Silvervine Software is the platform of choice for the nation’s most sophisticated insurers and MGAs. Its cutting-edge insurance technology facilitates direct-to-consumer selling, distribution management and mobile engagement. Silvervine’s affordable and easy-to-use technology includes: • A flexible, web-based core administration suite to manage critical insurance functions • Policy data synchronization so insurers and policyholders have identical policy information • Sophisticated mobile app and messaging technologies • Efficient management of policy declarations, schedules, forms and communication Improve efficiency. Speed up claims. Reduce operational costs. Deliver a better customer experience. With Silvervine, you can do all this and more. Boston Software is a leading provider of comparative and custom rating software to independent insurance agents and carriers. Our SinglePoint Rating platform is an essential tool for professionals needing an exact-dollar estimate of policy premiums as well as the sales and efficiency features to manage their book of business in today’s fast-paced world. Software development at the speed of technology. Accelerate your business through the intelligent, strategic and practical application of technology. Chariot’s consultants ensure rapid success on all of your software development projects. Partner with talented, flexible and collaborative software architects. Cornerstone Operations Group Cornerstone Operations Group (COG) provides expertise at powering the insurance back office and building a solid foundation on which to manage alternative and traditional insurance programs. COG provides customizable services, bundled or a la carte. Our deployment services include senior-level consulting, program development and company start-up, reinsurance modeling and brokering, fully licensed producers and adjusters, and a configurable processing platform and customizable IT applications. We also offer back-office administrative services such as policy administration, statutory accounting, payment processing, billing and collection services, first notice of loss, claims adjusting, a call center with licensed agents, as well as printing and distribution. COG is prepared to deploy programs legally and efficiently in all 50 states, as well as in Washington D.C. and Puerto Rico, through its licensed claims adjusters and subsidiary, Cornerstone Insurance Producers (CIP). The Intelledox platform is used by many of the world’s leading companies and government organizations to transform outdated forms and processes into intelligent, custom-centric experiences. Through its solution-ready platform, Intelledox enables customer-focused businesses and governments to transform customer interactions into adaptive digital journeys, from acquisition to onboarding to service. FillableFormssm - A proprietary method for manipulating PDF documents to create a paperless system that meets the stringent requirements of highly regulated industries. Electronic Signatures Featuring. ClickWrap - Robust authentication of signator per specification, signature placed via a randomly generated code. With detail of every affirmative action archived in the signature log. A partnership with Voice Signature - Allows people to affix legal signatures to complex transactions, using their voice. While resolving the dilemma of the "four corners doctrine". Paperless Solutions Group began operations as an insurance agency licensed in all 50 states representing a variety of major carriers.

https://risk.lexisnexis.com/about-us/alliance-partnerships/insurance/data-delivery

Recently, a massive fire broke out inside the Sariska Tiger Reserve (Rajasthan). The fire spread and destroyed around 10 sq km of forests despite timely satellite warnings and the availability of a real-time mobile application-based fire response system. Sariska Tiger Reserve - It covers an area of 800 sq km in total, with a core area of approximately 500 sq km. - Sariska Tiger Reserve is located in Aravali hills and forms a part of the Alwar District of Rajasthan. - Sariska was declared a sanctuary in 1955, and it became a National Park in 1979. - Later in 1978, making it a part of India’s Project Tiger. - It has a good diversity of wild animals like nilgai, tigers, leopard, hyena, rhesus macaque, caracal, jungle cat, ratel, sambar deer, spotted deer, langur, four-horned antelope, wild pig, Indian civet, Rufous-tailed hare, common mongoose, ruddy mongoose, palm civet, porcupine, pangolin etc. - The reserve comprises several varieties of bird species including migrants like peafowl, grey francolin, white-rumped vulture, painted spurfowl, aravalli red spurfowl, Indian cuckoo, Indian pitta, great horned owl, common sand grouse, golden-backed woodpeckers, crested serpent eagles, harbours quail etc. - It has scrub thorn arid forests, grasses, rocky landscape, hilly cliffs and semi-deciduous wood. Trees like Tendu, Dhok and Khair are also found in its forests. - Important tourist spots inside the Sariska National Park include Siliserh Lake, which is home to many crocodiles, ruins of Ajabgarh Bhangarh Fort, Kankwari Fort, Nilkanth Temple, Bharthari Temple etc. - There were 40000 tigers in 1900 but only 1800 left in 1972. - Project Tiger was launched in 1973 with 9 tiger reserves for conserving our national animal, the tiger. Currently, the Project Tiger coverage has increased to 53, spread out in 18 tiger range states. - The tiger reserves are constituted on a core/buffer strategy. The core areas have the legal status of a national park or a sanctuary, whereas the buffer or peripheral areas are a mix of forest and non-forest land, managed as a multiple-use area. - It is an ongoing Centrally Sponsored Scheme of the Ministry of Environment, Forests, and Climate Change providing central assistance to the tiger States for tiger conservation in designated tiger reserves. - The NTCA was launched in 2005, following the recommendations of the Tiger Task Force. It was given statutory status by the 2006 amendment of the Wildlife (Protection) Act, 1972. Other Protected Areas of Rajasthan? - Desert National Park, Jaisalmer - Keoladeo National Park, Bharatpur - Ranthambore National Park - Sajjangarh wildlife sanctuary, Udaipur - National Chambal Sanctuary (on tri-junction of Rajasthan, Madhya Pradesh and Uttar Pradesh). - Recently, the Ramgarh Vishdhari wildlife sanctuary received a nod from the National Tiger Conservation Authority’s (NTCA) technical committee to become the 4th Tiger reserve of Rajasthan. List of Tiger Reserves in India |Name of Tiger Reserve |Amangarh (buffer of Corbett TR) |Biligiri Ranganatha Temple |Rajaji Tige Reserve |Orang Tiger Reserve |Kamlang Tiger Reserve |Srivilliputhur-Megamalai Tiger Reserve |Ramgarh Vishdhari TR |Guru Ghasidas TR Source: The Hindu

https://simplifiedupsc.in/gs-i/sariska-tiger-reserve/

One Indian Army soldier was killed on Friday in an ongoing exchange of fire in the Nowshera sector of Jammu and Kashmir between India and Pakistan. The Indian Army accused Pakistan of violating the ceasefire agreed upon in 2003 concerning the Line of Control (LoC), the de-facto border dividing the two nations, and launched retaliatory fire. The Indian military claimed there has been firing and shelling by Pakistani troops since midnight in which an army jawan received serious splinter injuries and later succumbed to them in hospital. Government data suggests that this is the sixth soldier lost in cross-border fire over the last month. On Wednesday, the Indian side also reported one civilian casualty and injuries to two others in cross-border fire by Pakistan in Kashmir’s Balakote sector. India and Pakistan have been accusing each other of ceasefire violations along the LoC in contravention to an agreement enacted by the two sides in 2003. On 6 July, Pakistan claimed five civilians including two boys were injured in unprovoked ceasefire violations by India in the Nikial sector along the LoC and so retaliated. 5 Civilians including 2 innocent boys and 2 elderly women got injured, due to Indian Army troops unprovoked ceasefire violation in Nikial Sector along #LOC, targeting civil population late last night. Pakistan Army troops responded effectively to Indian firing.— DG ISPR (@OfficialDGISPR) July 6, 2020 India lodged a strong protest with Pakistan on 3 July over 14 deaths this year in more than 2,400 unprovoked ceasefire violations by the Pakistani Armed Forces (PAF). "To June this year, 14 Indian nationals have been killed and 88 more have been injured in more than 2,432 unprovoked ceasefire violations carried out by the Pakistan forces", said army sources on 3 July. Last month, India alleged that Pakistan had violated the ceasefire over 2,000 times this year, while Islamabad blamed India for violating the ceasefire 957 times during the same period. India and Pakistan have accused each other of violating the ceasefire and targeting civilians in cross-border firefights. The two countries have been fighting over Kashmir for the last seven decades and have traded accusations of sponsoring terrorism. Diplomatic ties between New Delhi and Islamabad deteriorated when India revoked the special status of Jammu and Kashmir in August 2019.

https://sputnikglobe.com/20200710/one-indian-soldier-killed-as-heavy-cross-border-firing-underway-between-india-and-pakistan-1079843092.html

Anyone that is in the Scotia, NY area will need to make sure that they spend time assessing all of their insurance needs. A form of insurance that would be helpful for most people is umbrella insurance coverage. When you have this type of insurance protection it is going to offer you the coverage needed to mitigate personal liability risk. There are a few reasons why you will need to have this protection here. Umbrella Coverage Helps With Big Claims If you live in New York you may already have liability protection in an auto or liability insurance plan. While this can be helpful, there is a chance that a liability claim will be in excess of your base insurance plan. Since this risk will always exist, it will be important for you to get a policy that provides the additional coverage that you need to offset this risk. An umbrella plan will give the coverage you need on top of these existing policies. Umbrella Coverage Protects Against Unpredictable Situations You will also want to get an umbrella plan in New York because it can protect against some unpredictable situations. While some liability risks are predictable and covered by other insurance plans, there is always a chance that you could face an unpredictable liability claim that is not covered. Fortunately, you can mitigate this risk by getting umbrella coverage as it provides broader liability protections. If you would like to learn more about the benefits of having umbrella coverage in the Scotia, NY area, it would be helpful to call the team with DePaulo Agency. There are a lot of services that DePaulo Agency can provide including answering your insurance questions and helping you to assess your insurance needs. The team here can also offer you the support that you need to build an appropriate policy.

https://www.depauloagency.com/blog/2021/04/

What is Homeowners Insurance and What Does it Cover? - Homeowners insurance helps protect your home and belongings from financial loss in the event of an accident, disaster or theft. - Homeowners insurance is not mandated by law; however, it may be required by your mortgage lender. - The cost of a homeowners policy varies widely depending on your location, the amount of coverage you have, the size and condition of your home, your claims history, your credit scores and more. Severe weather and other unexpected disasters can wreak havoc on your home and your finances. Luckily, homeowners insurance offers protection in the face of home emergencies without totally draining your budget. What is homeowners insurance? Homeowners insurance helps protect your home and belongings from financial loss in the event of an accident, disaster or theft. Depending on your policy, this coverage may include your house, the personal property you keep inside it and any outbuildings, including detached garages and sheds. If damage is sustained during events your insurer considers a “covered peril,” you may receive funds to cover the damage: fully or partially. Fires, smoke, windstorms, lightning, hail, hurricanes, theft and vandalism are typically considered covered perils, but coverage can vary widely between policies. Damage caused by floods and earthquakes typically isn't covered by a standard homeowners policy. If you live in an area where flooding or earthquakes are common, you'll need to purchase additional insurance to cover those perils. What does homeowners insurance cover? If a covered peril occurs and results in financial loss, you may be eligible for a payout from your insurer. Policies vary, but they typically cover these four categories: - Structural harm. With homeowners insurance, your dwelling is protected from top to bottom. Coverage may extend to certain other buildings on your property, such as your garage, garden shed and even fences. - Personal property. This covers your personal belongings on or off the premises, although coverage may be limited for property loss that occurs off-site. Certain valuable belongings, such as art, antiques, jewelry and electronics, may require insurance riders, which are add-ons to your primary policy that are frequently used to extend coverage. - Liability. Homeowners insurance also covers lawsuits and certain other legal costs incurred when you are responsible for injuries that occur on your property or for damage done to someone else's property. You'll also benefit from medical payment coverage. So, if another person is injured in your home, they can submit their medical bills directly to your insurance company, regardless of who's at fault. - Additional living expenses. Loss of use coverage reimburses you if your home becomes uninhabitable due to a covered peril. This coverage may include any storage, meal lodging and other costs that you incur because you're temporarily unable to live in your home. However, this kind of coverage is usually limited to a specific time window. Is homeowners insurance required by law? Homeowners insurance is not mandated by law. However, if you finance your home with a mortgage, your lender may require it. If you stop paying your homeowners insurance, your lender may have the right to purchase homeowners insurance on your behalf and charge you for the cost. How does homeowners insurance work? When you purchase an insurance policy, you're usually required to send your insurer regular payments called premiums. With a homeowners insurance policy, you'll still owe premiums — but they're not necessarily paid directly to an insurer. Oftentimes, your premiums are folded into your monthly mortgage payment and deposited into an escrow account, which your mortgage lender sets up and then uses to pay your homeowners premiums, property taxes and other expenses. As long as you're up to date with your premiums, you're eligible to receive compensation from your insurer if your home suffers damage covered by your policy. To do so, you must submit a formal request known as an insurance claim. How much does homeowners insurance cost? The cost of your policy can vary widely. Homeowners insurance premiums are calculated based on details about you and your home, including: - Your location - The amount of coverage you have, including riders - The age and condition of your home - The square footage of your home - Your claims history - Your credit scores, in some states Since it's difficult to predict what you'll pay each month, you'll need to seek out quotes from several different insurers to weigh your options. How to get homeowners insurance When you're in the market for an affordable homeowners insurance policy, research is key. To get the best bang for your buck, use your insurance quotes to compare costs, standard coverage quality, and options for riders and other forms of extended coverage. For additional peace of mind, consider working with an insurance agent, who can help you find a policy that fits your needs and your budget. You may find it cost-effective to buy from a company that you already do business with. For example, you might purchase homeowners and auto insurance policies together. Some insurers offer discounts for these types of bundled policies. There are other ways to save money, too. High-deductible policies, for example, can lower your annual costs, but always make sure you're not sacrificing necessary coverage just to save money. When you find the right policy, be sure to read the details of your coverage carefully to understand its limits. If you're lucky, you won't ever need to use your homeowners insurance policy. But, if you do incur a loss, contact your insurer immediately and file a claim as soon as you can. The right homeowners policy can help better protect you and your family from significant financial loss. Sign up for a credit monitoring & ID theft protection product today! For $19.95 per month, you can know where you stand with access to your 3-bureau credit report. Sign up for Equifax CompleteTM Premier today!

https://www.equifax.com/personal/education/personal-finance/articles/-/learn/homeowners-insurance/

JAMIE MCALLISTER, Ph.D., P.E., C.F.I., C.S.P Dr. McAllister is the Founder and Technical Director of FireTox, LLC. She is a licensed fire protection engineer, a forensic toxicologist, a certified fire investigator (CFI), and a certified safety professional (CSP). Dr. McAllister has been involved in the field of fire science since 1995 when she joined the volunteer fire service. The fire service inspired Dr. McAllister to obtain her Bachelor and Master degrees in Fire Protection Engineering from the University of Maryland, College Park. In 2010, Dr. McAllister further compounded her expertise in the forensic investigation field by completing her PhD in Toxicology from the University of Maryland, School of Medicine. For over two decades, Dr. McAllister has immersed herself in the research and investigation of fire, combustion, and toxicological incidents and driven change in fire prevention and investigation standards. She has investigated hundreds of fires and offered expert opinions in depositions and trials on issues such as contributory causes in fire deaths and injuries, the impact of code violations and building construction on fire growth and spread, product failures and defects, fire dynamics, and carbon monoxide poisoning. In addition to her experience in the research and investigation field, Dr. McAllister also served as an Authority Having Jurisdiction, i.e. code official, for the federal government. In her role as an AHJ and CSP, Dr. McAllister was responsible for the development of fire and life safety programs, as well as, the enforcement of fire and life safety provisions set forth in OSHA regulations, the International Building and Fire Codes, and NFPA standards. Her duties included review of design and construction submittals, laboratory hazard analyses, fire protection and life safety system design and commissioning, management of fire alarm and suppression system inspection, testing, and maintenance, and safety incident investigation. Dr. McAllister is also an adjunct professor in the Fire Protection Engineering Graduate Program at the University of Maryland, College Park where she teaches graduate students about combustion toxicity and human behavior in fire. BRIAN MCALLISTER, B.S.F.Sc., C.F.E.I. Mr. McAllister is the business administrator and co-owner of FireTox, LLC, as well as a fire investigator and fire science researcher. Mr. McAllister has been involved in the field of fire science since joining the volunteer fire service in 1989. His passion for firefighting led him into the career fire service in 1998 as a federal firefighter at the Marine Corp Logistics Base in Albany, GA. Mr. McAllister was subsequently hired by the District of Columbia Fire Department in Washington D.C. in 2001 where he currently holds the rank of Captain. In addition to his experience in the fire service, Mr. McAllister previously worked as a fire science technician. In this position, he gained experience in fire origin and cause investigation and fire research and development. Mr. McAllister has a Bachelor of Science in Fire Science from the University of Maryland. He holds numerous fire service certifications and is a NAFI Certified Fire and Explosion Investigator.

https://www.firetox.com/meettheowners

Taking the necessary steps to ensure the safety of your building and its occupants is of paramount importance. Having professionally installed life safety equipment can play a crucial role in achieving that goal. Life safety equipment includes fire alarms and sprinkler systems. They are intended to detect and respond to potential hazards, mitigating risks and protecting lives. Consider these facts when making determinations about the best way to secure your business from the devastation of fire. Why are Fire Alarm Systems Important? Fire alarm systems are always your first line of defense against fire emergencies. They assist you with prompt notification and safe evacuation because they detect fire or smoke immediately. A professionally installed fire alarm system can significantly reduce response time during a fire incident. Fire alarm companies in Philadelphia can help you detect fire in an early stage by installing a fire alarm system. This installation process aids in the prevention of extensive damage to property and fatal injuries. Choosing the Right Fire Alarm Company If you want an effective and reliable fire alarm system, you must select the right fire alarm company. Reputable fire alarm companies in Philadelphia offer comprehensive services. All your needs, from installation to inspection, maintenance, and monitoring, are met. For a custom fire alarm system designed for your building’s needs, you need the expertise of trained professionals. The services you can expect from a professional include compliance with pertinent safety regulations and codes. Benefits of Sprinkler Systems An indispensable component of life safety equipment is a sprinkler system. The high value of a sprinkler is especially true for commercial buildings and industrial facilities. Sprinkler systems are the first to respond when a fire breaks out. They act to suppress a fire and limit its spread. Fire quickly becomes uncontrollable, but sprinkler systems provide valuable time to allow occupants a safe evacuation. In addition to humans, sprinklers help save assets and personal items while preventing the interruption of business. Importance of Regular Sprinkler Repair When you’re looking for sprinkler repair in South Jersey, you want a company that provides service allowing for the continual functionality of your system. Only an experienced technician should perform repair and maintenance. They are equipped to identify and address any issues that appear. Services that include maintenance highlight leaks, blockages, or malfunctions. Fire alarm systems and sprinklers play a critical role when you aim to protect a building and its occupants. Reliable fire alarm companies design systems as early warning in the event of a fire. When you want to invest in reputable life safety equipment and services, contact Keystone Fire and Security to take proactive steps to safeguard the lives that come into your building.

https://www.keystonefire.com/blog/protect-your-building-and-occupants-with-professionally-installed-life-safety-equipment/

Texas Auto Accident Attorneys Auto Accident Litigation Law Firm At the Houston / Dallas law offices of Bailey & Galyen, our Texas auto accident attorneys represent clients in the negotiation and litigation of serious auto accident lawsuits related to: - Single car - Failure to Yield - Red Light Accidents - Road Hazards - Railroad Crossings - Pedestrian Hit & Run - Drunk Driving / DUI - Uninsured / Underinsured Motorist - Motorcycle Accidents Catastrophic Personal Injury Possibly the most common form of catastrophic personal injury, the negligent operation of an automobile on our roadways results in thousands of needless injuries and deaths each year. The consequences of these accidents can be devastating to both you and your family, leaving you struggling to pay medical bills and replace lost wages while you recover. Adding insult to injury dealing with an insurance bureaucracy concerned only with its own financial well-being rather than fair compensation for your very real injuries. - Spinal Cord Injury - Brain Damage - Neck Pain - Broken Bones Car Liability Insurance Our lawyers are intimately familiar with your state’s liability laws and insurance regulations and won’t hesitate to take a case to trial if it’s the only way to secure maximum compensation. In addition, we utilize the latest technology in the investigation of auto accident liability, including accident reconstructions and expert witnesses, in order to identify all liable parties, including: - Repair / Maintenance - Government (roadway & signage issues) - Liquor / Alcohol establishments (“dram shop” laws) If you’ve been injured or a loved one killed in a negligent auto accident, contact us for a FREE consultation and review of your rights under the law. The time to report an injury and claim damages is limited – call our lawyers BEFORE speaking to an insurance company. We’ll do the talking for you and ensure that your case is settled according to the facts and the law only. For a specific area of personal injury law, please refer to one of the following pages: No Fee Unless We Recover Damages The cost of litigating an automobile or car accident claim against an insurance company is considerable, with substantial up-front expenses related to expert witness testimony, depositions and accident reconstruction. That is why Bailey & Galyen takes all car accident lawsuits on contingency, with NO FEES until we recover a positive judgment as compensation for your injuries. We provide skilled legal representation to individuals across the State of Texas including the Dallas-Fort Worth communities of Arlington, Bedford, Dallas, Fort Worth, Irving, Grand Prairie, Mesquite and other cities in Texas including Houston Clear Lake / NASA, Texas.

https://www.legalayudacentro.com/auto-accidents/

Get a Quote or Continue a Saved Quote Additional Protection for Your peace of Mind Are you sufficiently covered if you, the renter, are involved in a collision with a third party? While your personal auto insurance may provide liability insurance, the limits on your policy may be too low to cover all damages that you may cause. In addition, your MBA rental insurance coverage provided through your rental operator offers state statutory limits of liability. Increase your limits of liability with our Supplemental Liability Insurance (SLI). Purchase Supplemental Liability Insurance SLI protects you, the Renter, and any authorized driver listed on your rental agreement against claims made by third parties against you for bodily injury and property damage caused by you during the authorized use of the rental vehicle*. SLI may be added when your purchase your MBA rental insurance addendum or visit www.MBAsli.com to purchase. *This policy responds once the underlying liability limits are exhausted. When you accept S.L.I., the policy may provide you with excess coverage for the difference between that provided in your Rental or Sharing Agreement (minimum requirement is the state financial responsibility mandated by the applicable insurance jurisdiction) and $500,000. Internal Limits Apply: $100,000 per person Bodily Injury limit per Accident (Included In Aggregate limit and reduced by any other valid and collectible insurance). The $50,000 property damage limit is reduced by any valid and collectible insurance including the primary (state minimum financial responsibility limit) and is also included in the maximum aggregate limit of $500,000 as described above. Bodily Injury limits of $300,000 apply. Internal Limits Apply: $60,000 per person Bodily Injury limit per Accident (Included In Aggregate limit and reduced by any other valid and collectible insurance). Property Damage limit is $10,000, excess of underlying coverage and is included in the $300,000 combined maximum aggregate limit.

https://www.mbainsurance.net/supplemental-liability-insurance.php

Guide to finding the Right Plumbers Insurance Plumbers insurance is a really important thing that any plumbers should have under their belt. This type of insurance can help you out when something inevitably goes wrong on one of your jobs in relation to the work that you have done. Here, we are going to give you some tips on finding the right plumbers insurance. Keep reading if you’d like to find out more. What To Look For When you are trying to find the right plumbers insurance, you need to make sure that the policies that you are looking at have the right coverage. As a plumber, you are often tasked with fixing the property of others and so there are some risks involved. The best plumbers insurance will cover everything from property damage to product complete and bodily injury. Without insurance that covers this you are putting your self and your business at risk so look out for this type of coverage. Our next tip for finding the right plumbers insurance is to apply online. You’ll find that there are many different insurance companies who will be willing to give you quotes online to help you find the perfect coverage. Figure out exactly what you need from the insurance company and your policy, enter your details on a trustworthy site and apply for some quotes. While it can be tempting to invest in the first policy that you see, this is never a good idea. You should always compare the prices of the quotes that you are given to get the best possible deal. Think about what each company is offering you and use this information to make the final decision. Remember that cheaper doesn’t always mean better in terms of insurance when considering your options for plumbers insurance. Tailor It To Your Needs Insurance companies recognise that plumbers work on different projects and so they don’t always need to be covered for the same tasks. This is why many companies offer plumbers the chance to tailor their policy to their needs and make sure that anything they do is covered by the policy. It is really important that you think about all of the tasks that you are going to be doing and add these into your policy. Without a tailored policy are putting your business at risk so consider this when finding the right plumbers insurance. If you are a plumber or run a company which employs plumbers, you need to make sure that you have the right sort of insurance to protect the business and employees. Use our guide to find the right plumbers insurance and think carefully about the different needs of your business. If you can compare prices and packages that different companies are offering you, you should be able to make an informed decision and find the right plumbers insurance for you. Follow all of the advice that we have given you to get the best possible results.

https://www.meetrv.com/guide-to-finding-right-plumbers-insurance/

With independent agents facing competition from others who may be more advanced in sales processes, procedures and technology, it is no longer enough to sell clients only home and auto insurance policies. Independent agents need a strategy for cross-selling a broader range of coverages intended to address all the personal risks of their clients. When looking at today’s scattered insurance sales environment, where many people buy single policies to fill an immediate need, there’s an opportunity for independent agents to streamline their sales, slow down the review process and promote insurance bundling. For insurance, a client buys a car and needs a binder today. She isn’t interested in anything else today because she wants to take a long drive in the country. Don’t miss an opportunity here. Congratulate the client on the new car, and let her know you will call in a week to discuss policies that can be bundled to save her money. It’s five to 25 times more expensive to acquire a new customer than it is to retain an existing one, according to Hubspot. When you do retain a customer, they’re more likely to spend more and purchase more frequently. “Existing customers are 50% more likely to try new products and spend 31% more when compared to new customers,” according to a report from Invespcro. The cross-selling opportunity for agents is clear, which is why it is so critical to have a consistent approach and a plan in place. Clients trust independent agents to offer products that protect them. Take the time to ask what other policies will benefit them and reduce their risk, and then cross-sell those policies to them. This tactic will strengthen an agent’s book of business and build loyalty with clients. First, Build Up Your Client Profiles In order to compete, independent agents have to provide value, establish trust and communicate with their clients regularly in the method their clients prefer. Building a dynamic profile for each client takes time, and helps the independent agent anticipate additional insurance needs as clients’ lives evolve. Use an agency management system (AMS) to run your business efficiently, gather critical information and track client relations. Prepare relevant questions and a needs analysis to review with clients at every opportunity. The AMS should be the hub of your business, from which all spokes of opportunity branch out. Having a quality AMS helps to streamline an agency’s work and provide efficiency when cross-selling. The system will keep the independent agency active and organized, and along with a customer relationship management database, help target new sales constantly. Sell Value vs. Insurance as a Commodity Today, consumers generally do their homework before they buy. But some skip the research and simply buy a policy based on the lowest price, often buying online. This means they may not be getting the coverage they need. It is vital that clients review coverage with an independent agent and know what’s covered and who’s not. For example, insureds may not realize the auto policy they purchased contains exclusions, finding out too late that they saved $50 a year on premiums, but the policy doesn’t cover them under specific circumstances. By alerting clients, independent agents can open the door to reviewing other policies and advise them on options with greater value that don’t skimp on coverage. Read the full article, written by SIAA COO Jeff Holmes, published June 14, 2019 in The Standard. Reprinted with permission from The Standard, Copyright 2019, Standard Publishing Corporation, Boston, MA. All rights reserved.

https://www.siaa.com/how-to-add-value-to-your-existing-client-relationships/

After suffering from injuries or other damages as a result of a car crash, you’re probably counting on your insurance company to be by your side. After all, that’s what insurance is for. To help you pay your bills, and cover your damages when the unthinkable happens. Most people can’t cover medical bills, housing expenses, and other bills right after an accident. You are most likely experiencing loss wages, on top of your regular living expenses. Money is going to get tight fast, and your counting on your insurance policy to payout. Unfortunately, this isn’t always the case. Sometimes the insurance company will deny a person’s claim. It’s important to remember that the big insurance companies don’t always act with your best interests in mind. Anyone who has an insurance policy should know how to identify bad faith insurance practices. Common Reasons for Claim Denials Medical records: If you were injured in a car crash, you need to be able to prove it. Always go to a doctor after being involved in a car crash. Even if you feel fine, you could still have injuries you may not know about. Often, injuries take time before a person is aware they exist. Getting checked out by a doctor help ensure you do not have any untreated injuries, and creates a record of the injury. Having a medical record of your injury proves that you have suffered injuries, and deserve to be compensated. Avoidable Actions: Sometimes, your insurer will have reason to believe that you did something that would void any possible coverage. For example, if you got into a crash because you were drinking and driving, or let an unlicensed driver use your car. If that is the case, your insurance may deny your claim. Not Filing A Claim in Time: It is always important you file a claim with your insurer as soon as possible. If you chose to wait weeks after the accident happened, your insurance company may deny your claim. If you fail to report any injuries or other damages in a timely manner, they may argue that those injuries were not the result of the accident. Always be sure to file your claims as soon as possible. Bad Faith Insurance Insurance companies are should always act in good faith when a person files a claim with them. When the insurance company fails to fulfill the obligations stated in the insurance policy, they are acting in bad faith. If they refuse to pay a claim they owe, fail to explain why, don’t conduct a complete investigation, or don’t deny your claim in a timely manner, they are acting in bad faith. If you feel your insurance company has acted in bad faith, you should call an attorney immediately. When to Contact an Insurance Bad Faith Attorney If you are even slightly suspicious that your insurance provider has acted in bad faith, it is imperative you take action. Contact the San Antonio insurance bad faith lawyers at the Villarreal & Begum, LAW GUNS as soon as possible. We serve clients across Texas with offices in San Antonio, Austin, McAllen, and Laredo. We have extensive experience litigating bad faith claims and can help you recover the money you deserve. Let us review the details of your case for free, to determine if it qualifies. Call or contact us via our website. The Law Guns will fight for you. The Villarreal & Begum, LAW GUNS dedicates their time and effort towards helping people in Texas find justice for personal negligence encountered while living their normal, everyday lives.

https://www.vblawgroup.com/blog/firm-news/why-was-my-insurance-claim-denied/

A special webinar for Texas insurance agents will be presented by Jesse Slome, director of the American Association for Long-Term Care Insurance (AALTCI). The webinar will focus on the introduction of a significant short-term care insurance option just approved by the State. “Short-term care insurance is a highly viable way for consumers to plan for the very real risk of one day needing care and finally there is an option available in Texas,” explains Jesse Slome, AALTCI’s director and head of the National Advisory Center for Short-Term Care Information. “We are going to conduct this introductory educational program to heighten awareness among insurance agents who offer long-term care insurance and other Medicare insurance products.” “We applaud the State insurance department for providing consumers with a more affordable option than traditional long-term care insurance,” Slome shares. Short-term care insurance policies can provide up to 360 days of coverage. “While some long-term care claims can last many years, about 40-percent last one year or less, making this a very viable and affordable option for many Texans with more limited budgets for optional insurance protection.” The 30-minute webinar will take place on April 24, 2018 at 8:00 AM Pacific (11:00 AM Eastern). The session will provide an overview of the short-term care insurance marketplace, the benefits for consumers and share highlights regarding the just-approved product. Preregistration is required as space is limited. Following the webinar a recorded version will be accessible via the National Advisory Center for Short Term Care Information’s website. To register for the webinar go to: www.shorttermcareinsurance.org/texas.

http://www.shorttermcareinsurance.org/texas-short-term-care/

Hi all! I currently have 3 ball pythons (male vanilla or fire het clown, female fire, and female vanilla). If I wanted to start a breeding project with those three and potentially others, what would y’all recommend just for fun? I’m hoping to prove the male out with my two girls but I’m not sure what else I should look into, there are so many different combinations. I know breeding projects are entirely subjective based on personal preferences but I would love to hear what everyone else likes with those genes cream (vanilla fire) and scream (vanilla fire pastel) clowns I would invest in genes that compliment those, of course only buy what you enjoy and what has demand (based on your three that shouldn’t be a problem). Look around on morphmarket for different combos and morphs. What I personally would do is buy a 0.1 vanilla pied to see if the male is in fact het clown or vanilla. If he’s not, you still produce amazing animals. I would also buy a 0.1 recessive that you like with vanilla and/or fire. After you prove out the male I would buy vanilla or fire (opposite of what he is) and pair with the opposite female (vanilla to fire or fire to vanilla). To use what you have, if it were me I would breed your male Vanilla or fire het clown to your female fire. If He is A fire het clown, you will produce super fires. Which are white and can have yellow spots them too. If you don’t get super fires then you will get vanilla cream babies out of the pairing. I believe I am correct on this pairing. If I am wrong please chime in guys. I am learning too. Even if both are fire you are not guaranteed to get super fire Out of 6 eggs, odds are 1, 25% chance, 50% chance being fire or 25% or normal. Fire to Fire breeding.

https://community.morphmarket.com/t/breeding-project-ideas/17505

We work with insurers, claims managers, risk management and technology providers to minimise cost, promote claims efficiencies and maximise protection for our clients. Helping you make informed decisions and effectively manage risk We work with insurers, claims managers, risk management and technology providers to minimise cost, promote claims efficiencies and maximise protection for our clients. Lockton Sport partner with the following clients to ensure that they make informed decisions and effectively manage their various risks: athletes, players associations and managers; clubs and teams; national and state sporting organisations; and sporting event organisers. Lockton have leveraged our global sports insurance experience to benefit the Australian and Pacific region. We are uniquely positioned to tailor insurance solutions for the many different stakeholders involved. With so much change across the sports industry globally, sports have needed to become more agile and considered in their planning - with extra pressure on administrators and athletes to navigate the multitude of risks. Lockton Sport assists by understanding these risks before identifying and placing the most suitable solutions across a range of different insurance products. Products and Services Ou main products include: Personal Accident and Sickness for individuals, clubs and associations Public and Products Liability Management Liability (Directors & Officers) Income Protection Insurance Private Health Insurance Main types of Contingency Products: Cancellation of sporting events, Abandonment, Postponement, Interruption, Curtailment or Relocation Non-appearance of an individual or group Death, Disablement and Disgrace Contractual Bonus for Sportspeople, Teams or Sponsors Contingency Insurance can be a difficult class of business to define due to the multitude of risk it embraces, added to which the class is capable of infinite expansion as new situations and circumstances arise. Contingency insurance provides financial indemnity for non-physical losses. Our team has extensive experience in this niche class of business, which can play a fundamental role protecting the expenses incurred or revenue streams generated by businesses and individuals that are at risk due to a multitude of circumstance. Latest news and insights Cargo market remains stable amid global conflictsarticle

https://global.lockton.com/au/en/products-services/sport

How can eligibility criteria for trial participants be optimised so that they aid recruitment to randomised trials? Study eligibility plays an essential role in trial research as it defines the characteristics of the target populations, and is used for screening and recruitment to trials. Eligibility criteria also influences the generalisability of the trial’s results which are, subsequently, interpreted, implemented, and adapted by different stakeholders. In developing eligibility criteria for selecting study participants, researchers must consider scientific, ethical, regulatory, and safety requirements and translate these into unambiguous eligibility criteria (Kim et al. 2015). However, overly restrictive participant selection can compromise study generalizability and contribute to the difficulty in implementing and disseminating study results to real-world patients across many disease domains (Weng, 2015). An example of this might be an age cut-off exclusion criterion, such as <65years, even though individuals in this age profile might be helpful for answering the trial question. This priority question addresses uncertainty as to how eligibility criteria might be optimised to help recruitment to randomised trials. - “Perhaps we need to be more pragmatic and so ensure our exclusion criteria are not leading to barriers to recruiting participants that can add value to findings.” - “More accessible ways of assessing eligibility (an app?) might help”. - “Are eligibility criteria evidence-based (contraindications to medication etc) or based on assumptions? Should eligibility criteria be harmonised between similar trials to improve meta-analysis (as with outcome measures) to ensure interventions are effective/not in similar populations?”

https://priorityresearch.ie/question/priority-1-question-13/

Get QuoteDark Inspirational Quotes App All Quotes with the tag - Commercials " At some point, I'll do more McDonald's commercials if I have to. " " Commercials capture your attention, that's all. " " Commercials led to TV, and TV led to movies here and there. " John Ross Bowie " I did a couple of American Express commercials. " " I did commercials since I was 16, and that's kind of acting, depending on what you're selling. " " I didn't want to do film or commercials or television. " " I got my SAG card doing commercials. " " I had kicked around the idea for Good Eats when I was directing commercials. " " I have been doing commercials on camera since I was ten. " " I love commercials. " " I skip through the programming to watch the commercials. " " I starred in Dr. Pepper commercials and Buick ads. " " I started as a teenager going up on commercials. " " I started small with commercials and print. " " I travel a lot to promote the perfumes and to do the commercials. " " It was a lot of fun doing the Nike commercials, too. " " I've done commercials that Sam Mendes directed. Paul Feig directed me in a commercial. " " I've never been one to book a ton of commercials. " " I've turned down soap and deodorant commercials - it wasn't my route. " " I want it all. Fame, fortune and all the commercials there are to do. " " Man, if they played the commercials for 'Murderball' as much as they do for 'Hustle & Flow,' 'Murderball' would blow up! " " One of my first commercials was for a Samsung cellphone. It was made as a mini-movie. " " Philosophically, I don't like doing commercials. " " Political commercials encourage the deceptive, the destructive and the degrading. " " Politics is gut; commercials are gut. " " When I started out in Canada, I did a lot of voice-overs and commercials. " Check our other websites:

https://quotedark.com/tag/commercials

Secure the most flexible & affordable Commercial Property Bridging Loan to effortlessly cover for the shortfall while buying, selling, leasing or refurbishing commercial properties. Commercial Property Bridging Loans – Quick Approval, Fast Disbursement, Easy Repayment Buying or leasing an expensive commercial property requires you to summon all the help you can get. Multiple mortgages and countless trips to banks aren’t always enough to fully cover the costs involved in the process. If your business finds itself in such a tricky corner, a commercial property bridging loan may well be the answer you are looking for. From easy processing to swift disbursement, our bridging loan solutions in regard with commercial properties are just what you need to bridge the capital gap and keep your project from getting stalled. What is a Commercial Property Bridging Loan? A commercial property bridging loan is a short-term mortgage that facilitates the purchase, refurbishment and lease of commercial properties. It’s worth noting here that commercial property bridging loans are available to semi-commercial properties as well. Most lenders use a fixed percentage value based on the usage of the property to determine the commercial status. As a rule of thumb, if more than 40% of the total valuation of the property is on account of the commercial use, it qualifies for commercial property bridging loans. Commercial property bridging loans are available as first as well as second charge mortgages for all commercial properties. Please note that lenders make this call based on their risk appetite. How a Commercial Property Bridging Loan Can Help Your Project The most prominent benefit that a commercial property bridging loan brings on board is the freedom for the borrower. Borrowers can choose to repay on their own terms, as many lenders offer the interest-only financing option for commercial properties. Let’s round up some routine scenarios in which such bridging finance packages can help projects keep standing. Commercial Property Purchase Commercial property prices are on the rise. Gone are the days of recession when thousands of commercial properties used to be available at not-so-premium price points. So, it goes without saying that businesses, developers and investors have to flex every capital muscle to gather up the resources required for outright buying commercial properties. If you have already taken a property mortgage to fund such a purchase, a commercial property bridging loan can help you write off some of that mortgage so that capital becomes available to you for repairs and miscellaneous expenses. Businesses aiming to move operations to a bigger facility or establish newer locations can best benefit from such bridging loans. Commercial Property Development Developers also need to pour in significant sums of money to develop through-and-through commercial properties. From developing downtown office space to undertaking a build-to-rent storage facility, many commercial development projects can use a bridging loan to address last minute expenses or prop up existing development mortgages. Commercial Property Lease It’s a common practice for small and medium sized businesses to lease commercial properties. These lease deeds can run for decades before they conclude. Understandably, the security deposits and advance payments required to secure such a lease are hefty. With a suitable commercial property bridging loan, you can take care of these expenses. Commercial Property Renovation Renovations to commercial properties, unlike those to residential properties, can easily run into hundreds of thousands of pounds. In most cases, existing development or property mortgages can’t be used to foot this bill. A commercial property bridging loan presents the most reasonable way out in scenarios like this. How Does Commercial Property Bridging Finance Work? Commercial property bridging finance works exactly as other bridging finance products. Please visit this page to follow our step-by-step guide to how bridging loans work. Get a Decision on Your Bridging Loan Application within 24 Hours! If you, as a business or a commercial property developer, wish to take a bridging loan to finance your project, we’re here to help. Commercial Finance Network, working closely with some of the most trusted whole of market lenders in the UK, curates and collates the most affordable bridging loan offers on your behalf. Contact us today to speak with one of our Commercial Property Bridging Loan Specialists!

https://uk-bridgingfinance.co.uk/services/commercial-property-bridging-loan/

As mentioned in our previous Alert regarding the National Institute of Standards and Technology’s (NIST) new framework for promoting cybersecurity (“Framework for Improving Critical Infrastructure Cybersecurity”), financial institutions increasingly are the subject of regulators’ attention regarding cybersecurity preparedness. In continuation of that theme, on April 15, 2014, the U.S. Securities and Exchange Commissions’ (SEC) Office of Compliance Inspections and Examinations (OCIE) released a Risk Alert announcing its Cybersecurity Initiative, which aims to assess cybersecurity preparedness in the securities industry. On the immediate horizon for the OCIE’s Cybersecurity Initiative are examinations of more than 50 registered broker-dealers and registered investment advisers in which the OCIE will evaluate firms’ cybersecurity preparedness. These examinations will focus on: - cybersecurity governance - identification and assessment of cybersecurity risks - protection of networks and information - risks associated with remote customer access and funds transfer requests - risks associated with vendors and other third parties - detection of unauthorized activity - experiences with certain cybersecurity threats As part of the OCIE Risk Alert, the OCIE included a sample questionnaire that it will use in connection with the examinations. Many of the questions track information outlined in NIST’s new framework. The questionnaire particularly focuses on whether a firm has in place several different written policies that are implicated in assessing cybersecurity preparedness, including the following: - basic information security policy - business continuity plan that addresses mitigation of cybersecurity incident - incident report policy - data destruction policy - policy for verifying customer email requests to transfer funds - policies relating to information security for vendors and business partners - updating supervisory procedures to reflect the Identity Theft Red Flags Rules, which became effective in 2013 (17 CFR § 248—Subpart C—Regulation S-ID) The OCIE staff also is interested in whether firms have maintained insurance to cover losses and expenses associated with cybersecurity incidents, what categories of data and devices are encrypted by the firm, monitoring activities related to the firm’s network and physical environments, and how the firm conducts risk assessments of vendors and business partners (including whether the firm has contractual requirements for vendors and partners). Even though most broker-dealers and investment advisers will not be examined by the OCIE in the near term, the extensive list of questions and requests provided in the OCIE questionnaire should be used by firms to internally assess what they should be doing now to address cybersecurity concerns and threats. For more information on other cybersecurity, data security and privacy matters, please contact one of the authors.

https://www.bassberry.com/news/recent-sec-cybersecurity-risk-alert-announces-examination-of-50-plus-broker-dealers-and-investment-advisers/

Montreal’s fireworks displays are known for their vibrant colours, creative designs, and impressive choreography, making them a must-see attraction for locals and tourists alike. Montreal has something for everyone, whether you prefer a quiet spot to watch the show or a bustling location with live music and festivities. Don’t miss out on the chance to witness one of the world’s most spectacular New Year’s fireworks displays! Where To Watch the Fireworks in Montreal for New Year 2024 La Ronde lights up. La Ronde amusement park offers an intense fireworks viewing experience with waterfront grandstand seating directly facing the fireworks barges, complete with stereo-surround sound for the accompanying music. Life’s a glittering beach. Clock Tower Beach in the Old Port of Montreal transforms into a club-like atmosphere on fireworks evenings, providing unobstructed views of Île Sainte-Hélène and the St. Lawrence River. Bright 360º sights Les Enfants Terribles restaurant and La Grande Roue de Montréal observation wheel in the Old Port offer elevated views of the fireworks. The Mount Royal Park lookout also provides a panoramic perspective of Montreal. A bridge with a view The Jacques-Cartier Bridge, which was closed to car traffic during the fireworks, offers a unique viewing spot alongside locals. Nearby, Village au Pied-du-Courant hosts its fireworks-watching party. Fire on the water Enjoy the fireworks from a different perspective by taking an evening boat ride on the St. Lawrence River with companies like Croisières AML and Bateau-Mouche, offering dinner-and-fireworks packages. Rooftop explosions in the sky Numerous rooftop patios in Montreal, such as Terrasse sur l’Auberge and Terrasse William Gray, provide excellent views of the fireworks. LGBTQ+ Village illumination The lively patios in the Village, including Unity Club, become vibrant spots to enjoy the fireworks with additional entertainment like drag shows and dancing. This New Year, Montreal’s fireworks are not to be missed, offering a variety of unique experiences to ring in 2024 with a bang.

https://www.universitymagazine.ca/where-to-watch-the-fireworks-in-montreal-for-new-year-2024/

Fire Alarms Heywood Greater Manchester (OL10): Keeping your loved ones safe and securing peace of mind are top priorities. The installation of a professional provides a substantial security layer. This system becomes an indispensable tool in a fire, alerting you immediately and helping you to effectively ensure everyone's safety. Such a system instils confidence that you are prepared to deal with emergencies swiftly and protect your family. This measure not only heightens your Heywood home's security but also your preparedness for any emergency. HOME FIRE ALARM SYSTEMS Typically, a basicsystem involves installing smoke detectors, which may be either battery or mains operated, at strategic points in your home. These devices can warn you about fires in particular areas, but their effectiveness may be compromised in larger properties or if there's a delay in replacing batteries. For those who require thorough protection, more advanced options exist. Automatic fire alarms are available in two varieties: standalone systems or those that can be integrated with your present security setup, enhancing control and simplicity of use. They provide extensive protection against fire threats, making them suitable for larger homes in Heywood or those needing more advanced detection and response systems. By choosing professionals to install ansystem, you ensure fast detection of any out-of-the-ordinary smoke or heat, providing your family with enough time for a safe evacuation. Initially, the company will perform a detailed assessment of fire risks in your home, identifying areas prone to fire and establishing effective evacuation strategies for all household members. Following this detailed inspection, they will be in a position to offer bespoke advice and propose the most fitting fire alarm system for your individual requirements and the specific design of your property. This method ensures the correct system is selected and strategically installed for the best possible efficiency and safety. Choosing a fully wireless fire alarm system might be an economical decision, reducing the costs ofand lessening disturbances during the setup process. However, this option has its own set of challenges. A significant concern is the maintenance of wireless sensors, which rely on regular battery replacements to function properly. Amidst our daily activities, it's easy to forget or ignore these essential maintenance tasks. To maintain the system's dependability, regular monitoring and changing of batteries are imperative, a duty often overlooked due to the demands of everyday life in Heywood. The requirement for consistent upkeep underscores the balance between the ease of a wireless system and the necessity for ongoing manual checks. Most wiredare fitted with a rechargeable battery, which is powered by the mains electricity. These batteries, while requiring checks, have a much longer lifespan before needing replacement compared to other types. Such a design guarantees that the system is always working, providing uninterrupted protection, even if there's a power failure. The rechargeable batteries in these wired systems serve as a reliable backup, making sure the alarm is always on, especially during times when the power supply is cut off. Thanks to the longer replacement intervals, maintaining these systems becomes less frequent and more manageable, thus increasing the convenience and reliability of wired fire alarm setups. BUSINESS AND INDUSTRIAL FIRE ALARM SYSTEMS In addition toand alarm systems, businesses in Heywood are required by law to have some form of fire alarm system that corresponds to one of eight categories. THE EIGHT CATEGORIES OF FIRE ALARM SYSTEMS Fire alarm categories all have associated letters to quickly allow referencing to their purpose. M - Manual fire alarm systems. L - Automated fire alarm systems to protect and preserve life. P - Automated fire alarm systems to protect property. Manual Fire Alarm System - Category M: The basic alarm type involves building occupants shouting and using a break glass alarm system or manually operated device to trigger a fire alarm. Maximum Life Protection - Category L1: The whole building will be alerted if a fire breaks out, thanks to smoke and fire detection units that are connected to a central alarm system. This system is particularly suitable for guest houses and care homes in Heywood as it provides the earliest warning to all of the occupants. Additional Life Protection - Category L2: More suited for factories and HMO premises in Heywood, an L2 fireadds detection devices to all areas of a building, including corridors, possible escape routes and high risk places like boiler rooms and kitchens. Standard Life Protection - Category L3: Any room that opens out to an escape route, as well as escape route corridors and stairwells require some form of linked detection to allow occupants to leave a building safely. The implementation of this measure ensures that people will not be directed towards affected areas in the event of a fire. Modest Life Protection - Category L4: Only gathering points and escape routes require detector installation to ensure aout of a building in Heywood. Localised Life Protection - Category L5: This system is used to identify and protect areas of a building in Heywood that are deemed to have a higher risk of fire. The reason for this could be due to the storage of specific materials or the way in which the room is utilized. Maximum Property Protection - Category P1: Detecting and alerting the relevant authorities of a fire is achieved by installing detectors in all rooms of a building in a P1 fire alarm system. A lower risk of disruption to critical business components due to fire is achieved by implementing this measure, reducing any potential financial loss. Minimum Property Protection - Category P2: While not as comprehensive as a P1 system, the installation of fire and smokein high-risk areas only does help to reduce the risk of a major fire taking hold within a building in Heywood. FIRE ALARM SYSTEMS INSPECTION, TESTING AND MAINTENANCE The upkeep of your fire alarm system is crucial to maintain its correct functioning, whether it is for your business or home in Heywood. Regular inspecting, servicing and testing ofis necessary to ensure their effectiveness in protecting us, and their significance should not be overlooked. Maintenance and testing may be included as standard with some fire alarm systems, while a dependable fire alarm company in Heywood may offer a maintenance period as part of their package. The degradation of parts and components over the years is a common occurrence in electric and electronic systems, as is the case with all such systems. It might be necessary to replace batteries and clean sensors and equipment by removing debris or dust. By implementing a regular maintenance schedule, you can maintain the smooth and effective operation of your fire alarm system and address all relevant factors. If a fire alarm system in Heywood is linked to external entities such as the fire service or private security agency, coordination with these agencies is necessary to conduct testing. Unnecessary call outs can lead to charges if they result in a false alarm, so it's important to prevent them. Testing and maintenance inspections by your Heywoodshould include the replacement of any batteries as required, cleaning and calibration of sensors (optical or heat sensors), and a test of the various components to ensure their serviceability and sensitivity. The use of specialised equipment might be necessary to correctly carry out this procedure. Training for particular maintenance jobs, including battery replacements and monthly tests, may be offered by a reputable company. But adherence to annual servicing requirements is essential in certain businesses and industries, as specified by. FINDING A PROFESSIONAL FIRE ALARM SYSTEM COMPANY IN HEYWOOD How do you select the most suitable installation company and fire alarm system in the Heywood area, given the many options available? When searching for fire alarm system equipment in Heywood, it is advisable to consult with individuals in your social circle. The most effective fire alarm systems are both extensive in coverage and easy to use and understand. Aim to obtain a minimum of three quotes and inquire about guarantees and any connections to industry groups when searching for fire alarm systems. One can check if a company or individual is a member of the following trade bodies. The Fire Industry Association: You can be assured of a professional fire and security service if you choose a company that is a member of the Fire Industry Association (FIA). It is a non-profit organisation with an aim of promoting the professional status of its members in the fire safety industry. Members of the FIA receive training on all aspects of active protection systems and fire safety and are actively involved in authoring British Standards related to fire safety. If you're a member of the UK Fire Association (UK-FA), you'll receive training, guidance and support to ensure your products and workmanship meet the highest standards. Membership in the UK-FA provides companies with training and support, and their customers benefit from a conflict resolution process in case of issues with fire alarm and. Their support services are available to customers throughout the country and can be accessed via telephone or online means. Fire alarm installations can be done in Heywood and also nearby in: Top of Hebers, Fairfield, Shawfield, Crimble, Heap Bridge, Norden, Marland, Cutgate, Castleton Moor, Heady Hill, Sudden, Jericho, Free Town, Barnford, Gigg, Birch, Pimhole, Castleton, and in these postcodes OL10 1HA, OL10 1LX, OL10 1DR, OL10 1NU, BL9 7JW, OL10 1FQ, OL10 1HX, OL10 1ER, OL10 1DB, OL10 1BB. Locally based Heywood fire alarm companies will likely have the telephone code 01706 and the postcode OL10. Checking this out will confirm that you are accessing locally based providers of fire alarms. Heywood homeowners will be able to benefit from these and numerous other related services. Fire Door Inspections Heywood Essential for building and occupant safety areinspections. These inspections, involving a thorough assessment of fire doors, aim to confirm their proper functionality and compliance with fire safety regulations. In the frame, door, and hardware, trained inspectors look for problems such as gaps, damage, and misalignment, guaranteeing the effective containment and prevention of smoke and fire. Additionally, inspections check that fire doors both close and latch correctly, while also confirming the integrity of seals and intumescent strips. Guaranteeing optimal performance during emergencies requires regular fire door inspections, which should be included in routine fire safety maintenance for maintaining a building's fire protection system. Preventing House Fires in the Summer For many folks, owning a home fulfills a lifelong dream so they want to do everything they can to keep it in the greatest possible state. We are all obligated to be responsible especially throughout summer season where the heat contributes to increased chances of house fires. Yet you'd be shocked how many people in Heywood neglect to keep up important matters amidst all the outdoor activities during summer. Having additional responsibility during the summer time is a must for everyone, because seasonal habits during this time of the year like participating in numerous outdoor activities with family and friends often make us forget essential safety measures. No one is proclaiming that you shouldn't hang out outdoors having a great time, but you must be aware that summer fires can sometimes occur in these instances. Let's look at a number of practical tips to prevent these extremely dangerous house fires. Many people regularly work with a lawn mower during the summer. This apparatus often includes a petrol tank and quickly heats up when used. It's important to give your mower time to cool off just before you put it away in a place with poor circulation. Many of us also keep the petrol for their lawn mower in a specific compartment. This container must be held in an area where it won't be exposed to excessive heat or sunlight. This is also true for any other machinery that runs on petrol, no matter if you keep it inside or outside your house. Cooking in the backyard together with friends and family during summer is truly fun and enjoyable but can become very distracting too. More often than not a cook is positioned at the barbeque with little ones and pets underfoot. Despite the fact that it is not a regular occurrence, mishaps may occur especially if you leave an open fire unattended. People are inclined to leave the barbeque near the back door as it is more handy to the kitchen but this can create a fire risk. Pets and children could accidentally come in contact with the barbeque and induce a fire to start. To prevent this type of accident, keep your barbeque grill located far away from the house and make certain to have someone watching it all the time. All these basic steps are very ordinary and clear but in many cases they are being neglected or even completely ignored. Watching out for significant fire risks will certainly help to prevent mishaps, and prevention is invariably the better option. By using these straightforward and beneficial guidelines, you will secure your property, yourself and your family from trauma and danger. You can enjoy your outdoor summer activities keeping an eye on what is going on around your house and so avoid house fires. Remaining alert and giving proper attention to these types of things are the only tools you will need to preserve your house from potential fires and the families around you from disaster. Become In Charge of Fire Safety Throughout Your Home There is huge responsibility when it comes to taking care of your home particularly if you have young children. Although many individuals are mindful when it comes to home safety, we still have hazards that we may miss. Having a fire in your home is a frightening thought but you can easily have a plan so that your family can leave safely and quickly if there is one, or take steps to minimise the risk of fire. We'll go through several tips to help keep our family safe from potential home fires. The first thing you should do is to review your entire home to see if there are potential hazards. The electronic appliances in your house could be a source of danger if they are poorly wired or the cables are old and worn. You should also look to determine if there are any beyond capacity sockets or appliances that need replacing. If your home is really old, you should find a certified electrician to help you check the wiring in your home and to have it replaced if necessary. During Christmas frequently you will have additional lights around the house both indoors and outdoors and these can be a fire hazard if you do not follow safety guidelines. In addition there are safeguards you can take for yourself around the house and this is especially true when you have young children who can distract you from what you are doing. As an example, if you're cooking with oils this can easily result in a fire in your kitchen if you are called into another room or take a telephone call without thinking. You need to have fireguards within the kitchen so that an open fire won't harm your children. If you do any type of home improvements, you should not attempt to do anything that you are not qualified to fix like electrical wiring. You need to have a fire get out strategy for your home and you want your family involved with developing this plan. While we should keep our home secure, you need to be ready to unlock windows or doors for an easy escape. It's your decision to look into purchasing fire safety products which are well worth the price. Most of these products include things like smoke alarms, extinguishers, fire blankets and even escape ladders. Smoke alarms are going to ensure you are given an early warning of the problem and this is essential as as soon as a fire takes hold toxic smoke and heat can make it very difficult to escape. While every year there are reports of home fires in Heywood, you can take steps to lower your chances of having one in your home and ensure the safety of your family. Heywood Fire & Safety Related Tasks There is a wide range of work that can be completed by your local Heywood fire alarm company includingin Heywood, wireless fire alarms Heywood, dry riser testing, fire extinguishers, , replacing fire alarms Heywood, passive fire protection, voice evacuation systems, fire door inspections in Heywood, photoelectric fire alarms Heywood, remote fire alarm management, battery operated fire alarms Heywood, smoke alarms Heywood, integrated fire & security systems, fire shutters, site assessments, security lighting, fire alarm services, , fire safety signage, household fire alarms Heywood, fire alarm systems, fire alarm commissioning, , kitchen fire alarms Heywood, smoke detector installation, fire alarm system modifications in Heywood, and more. These are just some of the activities that are handled by those specialising in fire alarms. Heywood companies will tell you about their whole range of services. Fire Alarm Companies Near Heywood Also here.: Gigg fire alarms, Crimble fire alarms, Free Town fire alarms, Jericho fire alarms, Birch fire alarms, Heap Bridge fire alarms, Castleton fire alarms, Heady Hill fire alarms, Sudden fire alarms, Barnford fire alarms, Top of Hebers fire alarms, Fairfield fire alarms, Shawfield fire alarms, Castleton Moor fire alarms, Cutgate fire alarms, Pimhole fire alarms, Marland fire alarms, Norden fire alarms and more. There are companies who install and maintain in all of these towns and villages. These seasoned professionals, with their wealth of experience and knowledge, excel in the crucial craft of fire alarm installation. Fire alarm systems are indispensable in a home's security and safety structure, as they offer early warning and detection during fire emergencies. Local business and home owners can obtain quotations by clicking - Smoke Alarm Installation Heywood - Fire Alarm Installations Heywood - Fire Alarm Maintenance Heywood - Landlord Fire Alarm Services Heywood - Fire Alarm Servicing Heywood - Smoke Alarms Heywood - Fire Alarm Services Heywood - Fire Alarm Price Quotes Heywood - Fire Alarm Repairs Heywood - Fire Alarm Systems Heywood - Commercial Fire Alarms Heywood - Fire Alarm Testing Heywood - Fire Extinguisher Installation Heywood - Integrated Fire & Safety Systems Heywood Fire Safety System Jobs Heywood: See fire safety system jobs near Heywood by clicking here: Fire Safety System Jobs Heywood For the latest local Heywood information check here Fire alarm system installation in OL10 area, phone code 01706. Landlord Fire Alarm Services Heywood - Fire Alarm Installation Heywood - Fire Alarm Systems Heywood - Industrial Fire Alarms Heywood - Fire Alarm Services Heywood - Cheap Smoke Alarms Heywood - Fire Alarms Near Me - Fire Alarm Heywood - Fire Alarm Servicing Heywood

http://www.firealarmz.uk/heywood.html

Santa Maria, California Motorcycle Insurance As a California based insurance solutions agency, we specialize in providing low cost motorcycle insurance from leading insurance companies to give you the best coverage at the right price. Getting a quote is easy - and free! Simply fill out our online quote form here or contact us by phone at 805-266-7971 for a no-obligation quote at no cost to you. Since insurance companies take into consideration the many different factors that come when insuring your motorcycle in California, one company may be a better fit for you than the other. That’s why we compare the best insurance companies for you so you get insured with your perfect match. These factors include: - Driving record - Credit History - Your Age and Current Address - The Type of Motorcycle - The Number of Drivers Most insurance companies offer coverage that is similar to your auto insurance policy, including bodily injuring and property damage liability coverage. You may also be able to include additional motorcycle insurance coverage including medical payments, comprehensive and collision coverage. Other options for coverage are for uninsured motorist coverage, which covers you in the event that someone injures you and does not carry insurance, or who may have insurance but not enough to cover your injuries. Ask us about qualifying for discounts that could possibly lower your premiums. These discounts may include: - Multiple policies with our company - Safety courses that you may have taken - Insurance on more than one motorcycle Call us today and let us help get you out on the road with motorcycle insurance California.

https://calstarins.com/personal-insurance/motorcycle-insurance

Your tools and equipment are the lifeblood of your work. Without them, you can’t finish the job and collect payment. If some of those tools go missing, sure, you can replace a few if you had to on the fly. But what if your Snap-on tool chest was rolled out of your garage along with everything in it? What if your hand tools were stolen from the job site or destroyed in a fire? If you’re here, these problems have occurred to you or someone you know. You want to insure your tools but aren’t sure where to start. As an agency smack dab in the middle of a blue-collar village, we have helped many contractors with insurance. We’ve seen folks like you start off with the basics, like general liability or commercial auto insurance, but hold off on insuring their tools. As business increases, almost all of these contractors eventually come back around to insure their equipment and tools. We can help you prioritize which tools to cover based on your unique trade. We know that learning about commercial insurance wasn’t the reason you got into your line of work. We don’t blame you! Insurance can be complicated in the same way calculating an 88.6-degree miter cut for crown molding can be for most insurance agents. In this article, you’ll learn when and how to properly insure your tools and equipment and why it’s necessary. When Purchasing Tool Insurance is Necessary Few small contractors have a plan in place for their equipment and tools in case of theft or fire before the job is completed. The problem is that that type of loss happens at the most financially inopportune time imaginable—like when you’re a third of the way in on a large project—and leaves you scrambling for a solution. Like many contractors, you accumulated your tools over time. Makes sense. You add to your collection of tools and equipment as you can afford it or as unique ones are needed to complete certain jobs. We’ve yet to meet a contractor who went out and purchased $50,000 worth of tools the same day they ordered their starter set of business cards from VistaPrint. Yet, after a loss like a fire, $50,000 worth of tools can be gone in a moment, leaving you to replace them one by one. Unless you insure them, at which point you can go out and buy them all again! If you amassed a sizeable collection of tools and equipment that would be difficult to replace in one fell swoop, it’s time to purchase tool insurance. Misconceptions About Tool Insurance From our experience, one of the main reasons why contractors hold off on getting insurance for their tools is because they incorrectly assume their home or renters insurance policy will pay for those tools in the event of a loss. The truth is, any of your possessions that are used to generate income are excluded from coverage on most personal insurance policies or have extremely limited coverage at best. Others believe that their tools are included as part of their business liability policy. Many well-meaning contractors learned the hard way that it isn’t so. General liability does not insure any of your possessions, tools, computers, or other equipment. Some carriers will allow you to add a property coverage element to a general liability policy. If you have a general liability policy but have never been asked about the value of your tools, it’s fair to say that you’re not insured for any loss associated with those tools. That’s why it is so critical to be diligent and make sure they are appropriately protected by the right policy. How Do I Properly Insure My Tools and Equipment? Properly insuring your tools begins with knowing how much they’re all worth. Knowing their value is the first step. The next step is to determine the right policy to add them to. Should you include the tools on your liability policy? Or is it better to start a separate one? Adding the tools to your liability policy is usually the most efficient option. Having the proper tool insurance will keep you in business and help you avoid long delays if those tools go missing in the middle of a job. And you won’t need to tap your personal financial resources to rebuy expensive tools and equipment after a loss. If you don’t insure your tools, you bear the full financial responsibility and are merely biding time until the unexpected happens, which could occur next year, next month, or next week. What contractor wants to go on Facebook Marketplace, Craigslist, or pop in at springtime garage sales for cheap, used alternatives? Seeing your business flourish and avoiding headaches is paramount to your peace of mind. While we can’t help with the projects your clients botched—which they hired you to fix—we can help assure that your tools will be available to do the job. Each trade has tools and equipment that are unique. A flooring contractor will have different tools than a landscaper. We have a proven method of quickly determining the amount of insurance needed to cover these business essentials. To get started, call 315-635-2095 to speak with a Horan insurance specialist. Or click the Get a Quote button below. Daniel is an accomplished content creator. He has been working in publishing for almost two decades. Horan Companies hired Daniel as its content manager in November 2022. The agency entrusted its messaging to him. Since then, Daniel has written insurance articles, service and pillar pages, and more. All in an effort to educate CNY readers. He's helping them understand the world of insurance so they can make informed decisions.

https://horaninsured.com/blog/proper-tool-insurance-for-small-contractors

This commentary has been written by Robin Bligh, Immediate Past President of the Foundation. Read this in conjunction with the other two articles in this section on insurance. Life insurance contracts are governed by the legal doctrine of ‘utmost good faith’. This means that all parties must make a full declaration of all material facts so the insurance contract accurately reflects the risk being taken. Under this principle, people applying for life insurance, changing their policy or switching insurers must disclose whether they have had a genetic test and, if known, the results of that test. Life insurers can not require you to take a genetic test. However, if you have HSP in your family and have a policy with a premium loading due to the family situation, a genetic test could show if you are negative. You could then go back to the insurer with that information and argue for the premium to be removed. Once life cover is obtained, new information does not have to be declared to the insurer. For example, life insurance may be taken out by an 18 year old in a family with HSP. After the contract has been finalized, the results of any subsequent gene test remain confidential to the person and their doctor. Any testing for your life insurance will not affect your health insurance premium because of the community rating of health insurance —everyone pays the same premium rather than being rated individually or even grouped by age or other factors. People who have genetic testing to uncover a faulty gene can take steps with their doctor to better manage the disorder for themselves and current and future off-spring with this additional information.

https://hspersunite.org.au/life-and-health-insurance/

A storm hit my hometown over the summer and really did a number on my parents’ house (my old childhood home), particularly the roof. My parents, of course, called up their insurance company right away. But the insurance company was just awful, and didn’t really tell them anything, so they got it fixed themselves and then went back to the insurance company to get reimbursed–only to get more arguments and more denials. It’s been terrible for their finances, which are already a little strained with me in school and the holidays coming up. I’m so frustrated for them, and I don’t understand why insurance companies are allowed to deny claims for little nit-picky reasons. Shouldn’t there be laws against this? How can my parents fight back? Insurance is something that we want to have but hope never to need, and when we do have to make a claim, the process can be frustrating–and sometimes unfair. Insurance is a tricky thing, because an insurance company’s job is to balance risk. Insurance companies charge their customers a monthly premium. If everything works properly, the insurance company makes enough in premiums to be able to pay the customers who have legitimate claims while still making a profit for itself. An insurance company won’t have a good reputation if it doesn’t pay for legitimate claims, but if it pays for things it shouldn’t, it won’t last long. And not all insurance companies are huge behemoths, either; the insurance policy administration systems professionals at SimpleSolve say the companies they help are small and mid-sized insurers. Insurance is a business based on risk, but it can also be a risky business for the insurers. If an insurance company assesses risks incorrectly, it will end up owing more than it can pay. And then there’s the very real risk of insurance fraud, which helps criminal customers at the expense of the insurance companies. Insurance fraud costs the industry $40 billion per year (for reference, insurance premiums total over $1 trillion per year). Of course, that doesn’t mean that insurance companies never try to get away with things they shouldn’t. It’s very possible that the frustration that your parents are feeling is the sole fault of the insurance company they’re dealing with. From simple poor service to outright fraud, insurance companies aren’t immune to bad behavior. They can, and do, break the law, and while it’s not the norm, it’s something that it pays to be aware of. Roof repairs after a storm should typically be covered by homeowner’s insurance, but it’s impossible to say from your letter alone what your parents’ policy covered. The roofers at AAA Superior say that roof repairs and storm damage restoration experts should be used to working with insurance companies, so it’s not clear why the pros your parents hired didn’t do anything to make sure everyone was on the same page. Ultimately, your parents’ best bet may be to speak to a lawyer. There are attorneys who specialize in dealing with insurance companies. If your parents’ insurers are up to no good, a good attorney could help put things right. And even if this is just a misunderstanding, sometimes it helps to have a legal letterhead on your angry letter! Good luck to you and your parents. “Insurance business is about promises and trust. It is about delivering to the customer in times of need and if this cannot be imbibed in a professional, neither him nor the industry will succeed.” — Tapan Singhel Miriam Metzinger is a regular contributor and editor for the financial website, Seeking Alpha.

https://outlook.monmouth.edu/2017/12/interfacing-with-insurers/

Condo Insurance in and around Oak Lawn There’s No Place Like Home The life you treasure is rooted in the condo you call home. Your condo is where you catch your breath, slow down, and relax. It’s where you build a life with family and friends. Safeguard Your Greatest Asset There's truly no place like home. You need condo unitowners coverage to keep it safe! You’ll get that with Condominium Unitowners Insurance from State Farm, a trusted name for condo unitowners insurance. Phil Cali is your caring State Farm Agent who can present coverage options to see which one fits your individual needs. Phil Cali can walk you through the whole coverage process, step by step. You can have a no-nonsense experience to get coverage options for everything that's meaningful to you. We’re talking about more than just protection for your furniture, swing sets, and linens. You'll want to protect your family keepsakes—like pictures and collectibles. And don't forget about all you've collected for your hobbies and interests—like videogame systems and sound equipment. Agent Phil Cali can also let you know about State Farm’s great savings and coverage options. There are savings if you carry multiple lines of State Farm insurance or have home security devices, and there are plenty of different coverage options, such as personal articles policy and even additional business property. When your Oak Lawn, IL, townhome is covered by State Farm, even if life doesn't go right, your condo is guarded! Call or go online now and discover how State Farm agent Phil Cali can help you protect your future. Phil CaliState Farm® Insurance Agent Oak Lawn, IL 60453

https://philcali.com/insurance/condo

Additional Insured! Me? Welcome to Blue Monday Why do bad things seem to happen most on Monday mornings? We even call it “Blue Monday.” Take the builder, for example, who wasn’t named Additional Insured on his exterior painter’s general liability policy. Our builder came to work one fine Monday morning to discover a voice-mail. His painter had over-sprayed a dozen parked cars in a lot across the street from his three-story townhouse project that was nearing completion. It happened on Saturday, which was windy. Too windy for spray painting three floors up. The cars belong to a pre-owned Corvette dealership. Each Corvette is worth an average $40,000. The estimated cost to re-paint all twelve is over $104,000. The painter admitted he’d messed up big time and lamely explained rain was forecast for the next four days, so he decided to “make hay while the sun shined.” Our builder’s subcontractor was obviously at fault. Our builder had no part in this loss. When he hired the painter he expected he was dealing with a professional who knew his job. Yet our builder’s general liability policy, not the painter’s, is going to pay the claim. Our builder’s insurance company, not the painter’s, is going to defend him in the lawsuit soon to be filed by the Corvette dealership. They are claiming loss of market value now that they have to disclose to customers that their inventory had been damaged. This is going to get ugly and consume large amounts of our builder’s time. His insurance company may not renew his policy. Why? Simply because our builder was not named Additional Insured on the painter’s policy. So, what’s so important about being named Additional Insured anyway? When you require your subcontractors to list you as Additional Insured on their general liability policies, you become entitled to insurance coverage benefits under their policies. Additional Insured status is most often used in connection with an indemnification agreement, also known as a hold-harmless clause. Hold harmless clauses are common in properly executed contracts between you and your subcontractors.* Under a hold-harmless, your subcontractors agree not to hold you responsible for their negligent acts which may happen while they are working for you. Without you being Additional Insured on your subcontractors’ policies, you can be brought into any suit resulting from your subcontractors’ negligent acts. Without a contract clearly holding you harmless, your general liability insurance company may have to cover the loss and defend you if you are sued. They may seek reimbursement from your subcontractors’ insurance companies, or the subcontractors themselves. Your insurance premium could increase due to the greater exposure, or your insurance company may even decide to not renew your coverage. Additional Insureds! Hold-harmless clauses! Contracts! Maybe every day is Blue Monday when you have to deal with such things. Consider this, however; why jeopardize your insurance coverage because an incompetent painter decided to use a spray gun on a windy day? The RWC Insurance Advantage is committed to providing you with the best possible general liability insurance protection. But, we need your help. Here’s a checklist: (1) Review your contracts with all your subcontractors.* (2) Are you named Additional Insured on all their general liability policies? (3) Do they all hold you harmless for all claims while working for you? (4) Do you obtain up-to-date certificates of insurance every year from each one? If you have questions about this article or would like us to review your general liability insurance needs, we’d like to hear from you. Contact us by email or call us at: email@example.com or 866-454-2155 Make Blue Monday a little less blue. *Please consider consulting an attorney if you need assistance in drafting contract language. This article is intended to help you better understand general liability insurance terms and coverages. It is not to be construed as legal advice. Terms and conditions of various insurance company policy forms may vary.

https://www.homeoftexas.com/2018/07/09/blue_monday/

Home insurance, Spain For many people their biggest asset is their home and as a home-owner building and contents insurance is essential. Even if you are renting a property in Spain it would be wise to insure your contents. If you rent out your property make sure that the insurer is informed so that full cover is provided. Home insurance policies in Spain are on a "new for old" basis and it is important that the contents sum insured reflect the replacement value. Similarly, the building sum insured should represent the rebuilding value. Building costs have risen dramatically in Spain over recent years and as a rough guide around 1500 € per m2 constructed will be adequate. Insuring for less than the correct amount may well lead to a reduced indemnity in the event of a claim. If you rent out your property make sure that your insurers are aware, and check that you have adequate public liability cover as a landlord. We can also provide “All Risks”, accidental damage, jewellery outside the home and subsidence cover, many policies now include some free help with DIY jobs Many people who live in communities assume that their community policy will provide cover in the event of damage to the buildings. This is not always the case and advice on this point or any other matter should be sought from your insurance adviser. If you require help with your home insurance or a quotation please contact us.

https://www.rowleyinsurance.co.uk/home-insurance-mallorca-spain

As a dedicated homeowner, prioritizing home safety is essential in ensuring the well-being of your family and protecting your valuable assets. One crucial aspect of a secure household is fire prevention, which begins with the identification and mitigation of potential fire hazards. By addressing common sources of fires, such as electrical issues, heating equipment, cooking areas, and smoking practices, homeowners can create a safer living environment for everyone. Regular inspections focusing on fire risks are vital to maintaining a secure household. By taking the time to assess potential dangers and implement preventative measures, you can significantly reduce the chances of a devastating fire occurring in your home. In this article, we discuss some practical steps you can take to minimize fire hazards and ensure a safe and comfortable living space for your loved ones. - Addressing fire hazards by identifying and mitigating common sources of fires. - Regular household inspections should focus on electrical issues, heating equipment, cooking areas, and smoking practices. - Minimize fire risks by implementing appropriate safety measures and precautions. - Create a safer living environment by staying informed and actively involved in fire prevention. - Regular fire drills and emergency preparation are essential components of home fire safety. The Startling Speed of House Fires: Understanding the Basics When it comes to fire safety and addressing house fire dangers, one crucial aspect to understand is the alarming speed at which a small flame can escalate into a life-threatening situation. In some cases, this can occur within as little as two minutes, emphasizing the importance of understanding fire dynamics and prevention tactics. Familiarity with the basics of fire safety, such as early detection through smoke detectors and planned escape routes, is vital for a quick and effective response to limit fire damage and ensure personal safety. To illustrate the importance of quick response and preparedness, let’s take a closer look at the factors that contribute to the rapid spread of house fires: - Combustible materials: The presence of flammable items, such as curtains, furniture, and paper products, can feed the fire and cause it to spread quickly. - Room layout: Closed spaces, such as bedrooms and living rooms, can trap heat and cause temperatures to rise rapidly, accelerating the spread of flames. - Oxygen supply: As fires consume oxygen, they produce harmful gases that displace breathable air. limited oxygen can lead to rapid fire growth and intensify the fire’s heat. Considering the high risks associated with house fires, it becomes crucial to implement effective fire prevention measures. One way to do this is by acknowledging the need for early detection systems and escape plans. Let’s explore these solutions further: |Install smoke alarms on every level of your home, including in each sleeping area, to provide timely warnings in the event of a fire. |Create a comprehensive fire escape plan, ensuring all family members are aware of the designated exits and safe meeting points outside. |Test smoke alarms monthly and replace batteries at least once a year, or opt for alarms with 10-year batteries to reduce maintenance needs. |Practice the escape plan regularly by carrying out fire drills, involving different scenarios and simulating challenges such as blocked exits or low visibility. “Just as a small fire produces a small amount of heat, a large fire produces a large amount of heat. That heat can ignite nearby combustibles and cause the fire to spread rapidly.” – National Fire Protection Association Understanding the swift and lethal nature of house fires, as well as the importance of fire safety measures, is essential to fostering a secure home environment. By prioritizing early detection and well-planned escape routes, you can protect your property and, most importantly, save lives. The Significance of Regular Fire Risk Assessments at Home Conducting regular fire risk assessments at home plays a crucial role in maintaining a safe living environment. By proactively identifying and addressing potential hazards, homeowners can greatly reduce the likelihood of household fires. This section will focus on electrical safety, heating safety, and common kitchen fire hazards. Spotting Electrical Red Flags: Outlets and Wires Electrical fires are a common cause of household fires, but they can be easily prevented with regular inspections and maintenance. To ensure electrical safety, it is important to avoid overloading circuits, inspect wiring for signs of damage, and promptly replace any damaged wires. The following list outlines some steps to spot electrical red flags in your home: - Regularly check outlets for signs of blackening or scorch marks. - Inspect cords for signs of wear, fraying, or exposed wires. - Replace damaged cords and avoid using extension cords as a permanent solution. - Ensure that electrical work is performed by a licensed electrician. Heating Equipment: Safe Operation and Maintenance Maintaining heating equipment greatly contributes to fire protection at home. Improper use or poorly maintained equipment can create unnecessary fire risks. Regular inspections, cleaning, and maintenance can help ensure safe operation. Some steps to maintain and safely operate heating equipment include: - Keep flammable materials at least 3 feet away from heat sources, such as radiators and space heaters. - Inspect and clean chimneys, vents, and filters at least once a year. - Always turn off space heaters when not in use or unattended. - Use only the manufacturer-approved fuel for heating appliances. The Kitchen: A Hotspot for Household Fire Hazards Many household fires start in the kitchen, often due to unattended cooking, grease buildup, or faulty electrical appliances. Establishing good cooking habits and regularly inspecting kitchen appliances can significantly reduce the risk of kitchen fires. |Kitchen Fire Hazard |Action to Prevent Fire |Never leave cooking unattended and use a timer to remind yourself to check on the food. |Clean cooktops, ovens, and exhaust fans regularly to remove grease and other flammable residues. |Faulty Electrical Appliances |Inspect cords and plugs for wear or damage and repair or replace them if needed. In conclusion, conducting regular fire risk assessments at home can effectively increase fire protection and minimize fire hazards. By addressing electrical safety, heating safety, and kitchen fire hazards, homeowners can make their homes a safer place for everyone. Mastering Fire Prevention: Essential Tips for Home Safety Fire safety is crucial for the protection of your home and loved ones. By implementing essential fire safety tips, you can ensure a safer environment for your family. In this section, we will discuss practical measures you can adopt to reduce the risk of fires in your home. - Install Smoke Detectors: Smoke detectors are a critical component of a comprehensive fire safety plan. Make sure that you have detectors on every level of your home and inside each bedroom. Remember to test them monthly and replace batteries at least once a year. - Proper Storage of Flammable Materials: Store gasoline, paint, solvents, and other flammable items in a cool and well-ventilated area. Make sure to use appropriate containers for flammable liquids and keep them away from sources of heat, sparks, and open flames. - Regularly Review Electrical Systems: Inspect your home’s electrical system regularly to prevent potential electrical fires. Replace worn or frayed cords and avoid overloading outlets and extension cords. - Practice Safe Cooking: Keep a watchful eye while cooking to prevent kitchen fires. Use a timer to remind you when cooking is done, keep your cooking area clean, and avoid wearing loose-fitting clothes that might catch fire easily. - Maintain Heating Equipment: Regularly clean and maintain heating appliances like furnaces, chimneys, and space heaters. Keep them a safe distance from combustible materials and use a proper screen or enclosure for a fireplace. Moreover, educating yourself and your family on fire safety practices plays a significant role in preventing fires at home. Consider the following table as a guideline for essential topics to cover in your fire safety education: |Fire Safety Topics |Fire Drill Practices |Conduct regular fire drills to ensure that everyone in the family is familiar with the evacuation plan and knows what to do in case of a fire. |Proper Use of Fire Extinguishers |Understand the different types of fire extinguishers and their proper usage. Keep a fire extinguisher handy in high-risk areas like the kitchen, garage, and workshop. |Safe Handling of Matches and Lighters |Teach children about the dangers of playing with matches and lighters, and always store them securely out of their reach. |First Aid and Emergency Procedures |Ensure all family members are familiar with basic first aid and emergency procedures. This includes treating burns, cuts, and other injuries that may occur during a fire. By implementing these fire safety tips and engaging in fire safety education, you can create a safer living environment for you and your loved ones. Integrating Smoke Detectors into Your Fire Safety Plan Smoke detectors are an essential component of your home fire safety plan, as they provide early warning signals during a fire incident, allowing you and your family enough time to evacuate. You must select reliable brands and install them strategically for optimal protection. Selection and Placement of Smoke Detectors When choosing smoke detectors, opt for established and trustworthy brands such as Kidde or First Alert to ensure the quality and performance of the device. To effectively integrate smoke detectors into your fire safety plan, consider the following placement guidelines: - Install smoke detectors on every level of your home, including the basement. - Place smoke detectors in every sleeping area and outside each separate sleeping area. - Install devices at least 10 feet away from cooking appliances to minimize false alarms. - Mount detectors high on walls (but not more than a foot from the ceiling) or on the ceiling itself, as smoke rises. Proper placement ensures that smoke detectors can swiftly detect fires and increase your family’s safety. Maintenance: Testing and Battery Replacement Maintaining your smoke detectors is vital for ensuring their functionality and effectiveness in detecting fires. Regular maintenance entails: - Testing the devices monthly by pressing the test button, which should trigger an alarm. If not, check and replace batteries or consult the manufacturer for further assistance. - Replacing the batteries at least once a year or when the low-battery warning signal sounds. Some newer smoke detectors come with a 10-year lithium battery, which does not require frequent replacement but should be replaced entirely after a decade of usage. - Cleaning the devices every six months by gently vacuuming their vents to remove dust and other debris, which can impair their sensitivity. By incorporating smoke detectors into your home fire safety plan, selecting reliable brands, maintaining their functionality, and placing them strategically, you can significantly enhance your family’s safety and effectively respond to fire emergencies. Fireproofing Your Space: The Role of Flame-Resistant Materials Creating a fire safe home is a top priority for homeowners. One way to significantly reduce the chances of fire propagation and ensure a safer living environment is through the use of flame-resistant materials in home furnishings, décor, and bedding. These special materials are designed to withstand high temperatures and resist ignition, delaying the spread of fire and buying precious time in case of an emergency. Several options are available for incorporating flame-resistant materials into your home, including: - Flame-retardant-treated fabric for curtains, upholstery, and carpets - Fire-resistant wall coverings and paint - Flame-resistant foam in mattresses and furniture - Intumescent fire-resistant sealants for filling gaps and joints in walls or ceilings It is important to note that while these materials can significantly improve fire safety at home, it is still crucial to follow proper fire prevention practices and maintain functional smoke detectors in all living spaces. Always remain vigilant and address potential fire hazards in a timely manner. “Flame-resistant materials should be seen as an integral aspect of fireproofing living spaces.” |Flame Retardant Fabric |Tex tech Industries |Resist ignition and delay potential spread of fire on fabric surfaces |PPG Architectural Coatings |Prevent fire from spreading on walls and ceilings |Withstand high temperatures in mattresses and furniture cushions |Intumescent Fire-Resistant Sealant |Fill gaps and joints in walls or ceilings to contain fire In conclusion, incorporating flame-resistant materials in your home furnishings, décor, and bedding serves as a practical and effective approach to fireproofing living spaces. By investing in these materials, you can better protect your home and family, providing peace of mind in creating a fire safe home. Proper Use and Maintenance of Cooking Equipment to Prevent Fires Cooking requires utmost attention to safety, as it poses a high risk of fire accidents. Ensuring cooking equipment safety can help prevent fire hazards in the kitchen and is essential for maintaining a safe living environment. In this section, we will discuss some vital kitchen safety protocols and how to maintain cooking equipment properly. Never leave cooking unattended: Unattended cooking is one of the leading causes of kitchen fires. Keep a close eye on whatever is cooking, especially when frying, grilling, or broiling food. If you must leave the kitchen, turn off the stove. Keep the cooking area clean: Grease buildup and food particles can be a fire hazard. Maintain cleanliness by regularly wiping down the stovetop, oven, microwave, and other appliances. Remove grease and food splatters from the stove, oven, and cooking surfaces. Store cooking equipment correctly: Proper storage of cooking equipment prevents accidents and potential fire hazards. Keep appliances unplugged when not in use and store flammable items such as paper towels, oven mitts, and wooden utensils away from the stove. Equip your kitchen with appropriate fire extinguishers: Fire extinguishers rated for kitchen fires, such as Class K extinguishers, should always be readily accessible in case of emergencies. Knowing how to use a fire extinguisher correctly can minimize fire damage and prevent injuries. Additionally, it is crucial to regularly inspect and maintain your cooking equipment. Faulty appliances can cause fires, so be attentive to any signs of dysfunction. The table below highlights essential maintenance tips for various kitchen appliances: |– Regularly clean the burners and drip pans. – Check the pilot light for proper functioning in gas stoves. |– Clean the interior regularly to prevent grease buildup. – Inspect heating elements for damage or debris. |– Promptly clean spills to avoid damaging the interior. – Monitor the door seals for cracks or damage. |– Frequently inspect the power cord and plug for damage. – Clean the interior and exterior after each use. |– Unplug and clean out crumbs regularly. – Inspect the power cord and plug for damage. By adhering to these kitchen safety protocols and keeping your cooking equipment well-maintained, you can significantly reduce the likelihood of fire accidents. Stay vigilant in your kitchen to ensure the safety of your home and loved ones. Childproofing Your Homestead to Ward Off Fire Risks Childproofing homes is essential to ensuring the safety of your little ones and offers broader benefits, such as minimizing fire risks. This section covers essential points to consider when securing hazardous materials and providing fire safety education for the whole family. Securing Hazardous Materials from Children Children are naturally curious, and it’s crucial to keep hazardous materials out of their reach to prevent accidents. Here are some key items to consider: - Matches and lighters: Store these items in high, locked cabinets or drawers. - Flammable chemicals: Keep household chemicals like paint thinners and gasoline in well-ventilated areas away from children’s access. - Electrical outlets: Protect these with outlet covers to prevent children from inserting objects into the sockets. - Candles: Never leave lit candles unattended, and keep them out of children’s reach. Fire Safety Education for the Whole Family Beyond securing dangerous materials, providing fire safety education to your children and family members can significantly enhance their knowledge of prevention and response measures. Consider these points to get started: Awareness is not enough; it is crucial to educate children about the potential dangers of their actions and to establish a foundation of fire safety knowledge that will guide their actions in potentially hazardous situations. Invest in age-appropriate fire safety literature and videos for younger children, and engage in meaningful discussions with older children to ensure they understand the risks and prevention strategies. Don’t forget to include the following topics: - The proper use of fire-starting tools, such as matches and lighters - The importance of stop, drop, and roll when clothing catches fire - Educating children about the dangers of playing with household appliances - Discussing the family’s fire escape plan and emergency meeting location |Fire Safety Education Strategies |Preschool (ages 3-5) |Use picture books and simpler videos to teach fire safety concepts |Elementary (ages 6-10) |Introduce more complex videos and books to expand understanding, and practice escape plans |Middle/High School (ages 11-18) |Begin discussing real-life scenarios and ensure full comprehension of escape plans and strategies With these precautions in place, childproofing your home will contribute to a safer environment for all family members. Fire Safety in High-Risk Areas: Garage, Attic, and Storage Rooms When addressing fire safety, it is essential to consider high-risk fire areas in your home, such as garages, attics, and storage rooms. These spaces can often go overlooked, leading to an increased risk of fire. To effectively protect your home from potential fires, it is crucial to identify and mitigate fire risks in these high-risk areas. Begin by properly storing flammable materials to prevent accidental ignitions. Flammable liquids, paints, and chemicals should be stored in appropriate containers, preferably in a locked cabinet or on a high shelf, away from heat sources and sparks. This practice ensures garage safety and attic safety by minimizing the chances of accidental fires. - Ensure proper ventilation for garages where flammable materials are stored or used. Adequate ventilation helps prevent the accumulation of flammable vapors that can fuel a fire. - Regularly inspect and maintain electrical wiring and outlets in these areas, as faulty wiring can result in a fire. Replace frayed wires and avoid overloading outlets with too many devices. - Keep a fire extinguisher nearby and ensure all family members know how to use it correctly. In the event of a small fire, having quick access to a fire extinguisher can significantly reduce the damage caused. - Do not store combustible items, such as paper, cardboard, or cloth, near flammable materials or heat sources in garages and attics. These materials could ignite quickly and spread a fire. - Ensure proper attic safety measures, such as installing fire-resistant insulation material, as they help in slowing fire spread in case of a fire. |Fire Safety Measure |Proper storage and ventilation, fire extinguisher availability |Fire-resistant insulation, electrical system inspection |Organized storage, clear pathways, appropriate shelving Maintaining clean and organized spaces in these high-risk areas is another essential aspect. A cluttered environment provides ample fuel for fires and can make it difficult for homeowners to access and extinguish them quickly. Make a conscious effort to declutter these areas and dispose of any unnecessary items, creating a safer environment and reducing the risk of accidental fires. In conclusion, garage, attic, and storage room safety should not be an oversight. By implementing these safety measures, you play an active role in promoting a fire-safe home. By taking appropriate precautions, you help protect your family and property from devastating fire damage. Creating a Comprehensive Fire Escape Plan for Your Family When disaster strikes, preparedness is key. A well-structured fire escape plan can make all the difference in your family’s safety when faced with an unexpected fire emergency. This section covers the essential elements of a comprehensive fire escape plan and the necessary emergency preparedness skills for effective evacuation. Planning and Practicing Escape Routes Creating a detailed fire escape plan helps ensure that everyone in your household knows exactly what to do in the event of a fire. Begin by drawing a floor plan of your home, clearly indicating all possible exits, including windows and doors. Assign primary and secondary escape routes for each room and designate a specific safe meeting place outside your home, such as a mailbox, tree, or streetlight. When establishing escape routes, consider the specific needs of children, the elderly, and those with disabilities. For example, households with small children may need fire ladders or a viable means in which to assist in evacuation. It is important to plan for different fire scenarios that your family could face, whether it is an electrical fire in the kitchen or a barbecue grill mishap in the backyard. Once you have a plan in place, practice it regularly with your family. |Primary Escape Route |Secondary Escape Route |Living room fire Emergency Preparedness: Essential Skills and Knowledge Beyond establishing escape routes, emergency preparedness is an integral component in a comprehensive fire escape plan. Equip your household members with the knowledge and skills necessary to safely handle fire situations, such as: - Knowing how to use fire extinguishers properly and understanding the different types of extinguishers for various fire situations. - Understanding the importance of staying low to the ground while evacuating, as smoke and heat rise rapidly. - Being aware that some doors may be hot; using the back of your hand to test door handles for heat before opening. - Knowing not to use water on an electrical fire, as this could lead to electrocution. - Instilling the importance of closing doors behind them as they evacuate to help prevent the spread of fire and smoke. In addition to practicing your fire escape plan, ensure your family is prepared by discussing fire safety regularly, sharing pertinent information, and addressing any concerns or questions. With the right knowledge and practice, your family will be prepared to efficiently react and escape in the event of a fire, keeping everyone safe and secure. Conducting Fire Drills: Boosting Response Time and Efficacy To ensure optimal safety in the event of a fire, conducting regular fire drills is an essential aspect of family safety. Biannual fire drills provide an opportunity for each family member to practice their assigned responsibilities and facilitate a quicker, more effective response to fire emergencies. Fire drills should incorporate various scenarios and routes, taking into account obstacles and different evacuation paths. This will prepare your family for any unexpected challenges they may face when escaping from a potentially life-threatening situation. It is crucial to regularly reassess and update plans as conditions within the home change. In addition to the active practice of fire evacuation, education on fire safety is critical to the overall effectiveness of fire drills. Equip your family with knowledge on the proper usage of fire extinguishers, understanding the different types of fires, and identifying the fastest and safest escape routes. By combining practical fire drills with comprehensive fire safety education, you can significantly boost your family’s response time and efficacy during real fire emergencies, ultimately helping to save lives and protect your property.

https://www.shtfschool.com/fire-hazards-in-your-homestead/

The last thing any proud business owner wants is to learn that their pride and joy burst into flames. But it’s more common than you’d think—over 100,000 commercial fires occur each year. These disasters are devastating and can wipe out years of hard work in mere seconds. But that doesn’t mean you need to restart your business from ground zero. By following these four crucial steps to take after a commercial fire, you can get your business back on track. Get in Touch With Cleaning and Restoration Companies Depending on the extent of the fire, your business will need different levels of restoration. For a small fire, you may only need to clean the interior of your building and replace a handful of items, states Barry White, Owner of Home Damage Response, a home damage restoration company based in Florida. But if your business was the victim of a larger fire, you may need to rebuild it partially or even completely from the ground up. Experienced cleaning and restoration companies can help guide you through the cleaning and rebuilding process. Talk to the Experts Your insurance company will handle your claim, but it doesn’t hurt to collect your own documentation while you wait for them to work their magic. In fact, being proactive can help your insurance company work faster so you can get reimbursed and start rebuilding as soon as possible. Procure a fire report from the first responders on the scene, check current building codes to ensure your building was up to code, and hire engineers and architects to assess the damage and provide you with an estimate on repairs. Once you have this information, give it to your insurance company so they can look it over. Contact Your Insurance Company The next crucial step to take after a commercial fire is to contact your insurance company. You don’t need to contact them immediately after the incident, but since most insurance companies impose a time limit for you to make a claim, ensure you contact them within a reasonable time frame. You’ll need to provide your insurance company with the date and time of the fire, a fire report, and a cost estimate on damage and repairs, among other crucial pieces of documentation. Commercial fire insurance often covers most, if not all the damage incurred to the property and contents of a building as a result of a fire. Get a Fire Investigation If you’re not sure what caused the fire, it’s crucial to get a fire investigation. The first responder’s preliminary investigation will occasionally include a suspected source, but when the source of the blaze isn’t immediately obvious, you’ll need a professional fire forensics team to dig deeper. A fire investigation will unearth the root cause of the fire so you can prevent future damage to your commercial property.

http://www.welpmagazine.com/4-crucial-steps-to-take-after-a-commercial-fire/

PPV INSURANCE WITH AUTOSMART PPV insurance, or public passenger vehicle insurance, is a type of policy designed to protect both you and your passengers in the event of an accident. PPV insurance with AutoSmart helps keep you and your passengers safeguarded in the event of: - Collision recovery. - Bodily injury. - Property damage. - Manslaughter legal fees. What types of Vehicles Are Eligible for PPV Insurance PPV insurance policies apply to a specific set of passenger vehicles. Any vehicle that could be considered a passenger vehicle used to transport passengers may be eligible for PPV insurance coverage with AutoSmart. This includes: - Route taxis: These 10-seat or less passenger vehicles carry riders along a designated route, making drop-offs and pick-ups along the way. License fee: $25,000. - Hackney carriages: A vehicle for hire that transports no more than three passengers travelling together on thoroughfares or areas frequented by the public. - Stage carriages: Like buses, stage carriages have seats for no fewer than 11 passengers, each of which pays their own fare, and travels along a designated route. These vehicles stop at “stages” along the way to drop off and pick up new passengers. - Contract carriages: Used for carrying passengers under an expressed or implied contract for using the whole vehicle at an agreed price. - Express carriages: These vehicles must provide seating for no fewer than 11 passengers, each of whom pays their own fare. Express carriages travel between multiple points to one or more destinations specified in advance. PPVs are identifiable by their distinctive red license plates, which quickly signal to authorities that they’re legally authorized to carry passengers, so long as they follow stipulated guidelines and laws. Each type of public passenger vehicle requires its own new license or license renewal fee that lasts for a designated period of time, after which it must be renewed. For information on PPV licensing, visit the Transport Authority website. Requirements to Apply for a PPV License in Jamaica To obtain a PPV license in Jamaica, drivers must be 21 years of age or older and complete an application form with the Transport Authority. The form can be filled out online or in person at any TA location across the country. When submitting your application, you’ll be required to include: - Registration Certificate. - Certificate of Fitness. - Insurance Certificate/Cover Note. - Proof of address. - A copy of owner(s) Identification (Driver’s Licence/National Identification/Passport). - Owner’s Taxpayer Registration Number (TRN). - Original Road Licence. - Police Certificate (Police Record). Submitting a PPV Insurance Claim Online Filing a claim online is easy with AutoSmart Insurance. Simply fill out a short form detailing the accident and attach any relevant photos before submitting. That’s it! After your policy number, TRN and email on file, you’ll need to tell us: - When the accident happened (date and approximate time). - Where the accident happened. - The cause of the accident. - Who and/or what was affected. Then, we’ll gather some quick information about the involved driver. Our goal is to have you back on the road as soon as possible, so the more details you can provide, the better chance we have of resolving your claim quickly. PPV Insurance FAQ Are Medical and Personal Accidents Covered Under My PPV Policy? Yes. Drivers covered under AutoSmart’s Comprehensive Policy are covered for bodily injury. Can I Get a PPV Insurance Quote Online? Yes, you can. Fill out our Quick Quote form to get started. Do PPV Drivers Receive Additional Discounts For Safe Driving? Autosmart offers a safe driver discount of up to 55% based on the number of years without a claim. Is Roadside Assistance Included In My PPV Insurance Policy? Yes. All AutoSmart policyholders enjoy free roadside assistance benefits. Request a Quick Quote for Public Passenger Vehicle Insurance Are you a new PPV driver looking to get insurance so that you can get your passenger transportation business up and running? For a Quick Quote, simply fill out a short form with some basic information and we’ll let you know your estimated PPV insurance rate.

https://autosmartja.com/products/public-passenger-vehicle/

Please wait while the transcript is being prepared... This case study helps explain a bit more, why insurance can help, how insurance can be designed, how, in particular, index insurance can be designed in an area where conventional indemnity insurance didn't appear, and what seemed to be the impacts of the development of such a policy. Index-Based Livestock Insurance, which commonly goes by the acronym IBLI, was first commercially piloted beginning in January 2010 in Northern Kenya, an area known as Marsabit, and a couple of years later, beginning in August 2012, it was redesigned and piloted commercially in the neighboring area of Southern Ethiopia called Borana. The technical design for this work took place within my research group at Cornell in collaboration with the lead research group at the International Livestock Research Institute, ILRI, which is based in Nairobi, Kenya, along with partners at a couple of other universities. We designed these contracts to attend to drought shocks that hit in the dry lands of the Horn of Africa with some regularity and often precipitate massive humanitarian disasters. These are areas that depend heavily upon rainfall that it varies across space and time, and the rainfall, in a good year, is insufficient to grow crops reliably. So typically, these are people who rely entirely on extensive grazing of livestock. What are commonly referred to as pastoralists. So these insurance contracts were developed to help pastoralists, such as those displayed in the photographs on the slide, to help those pastoralists to manage the catastrophic risk associated with major droughts. Major droughts strike this area with some regularity, seemingly, with increasing regularity since climate change has begun, and those droughts commonly wipe out 20-30, sometimes as much as 50 percent of the herd, in an area and leave already poor people in fairly dire straits. So we developed these contracts as a way to help to leverage global capital markets to take up some of the risks faced in this system populated by lots of poor people and to help accelerate recovery by being able to inject cash into a system quickly in response to drought shocks where otherwise they wait months for food aid to arrive from Europe, and North America, and Asia. So the contract is developed by, and underwritten by a private insurance company. In Kenya, it has been underwritten by a couple of different companies. We now have that product available in several different counties around Northern Kenya. In Ethiopia, it's been underwritten by a group called the Oromia Insurance Company. Those individual insurance underwriters, these private companies, send agents out into the countryside who sell insurance policies. You see an example in the slide of a simple receipt provided to an insurance purchaser in Northern Kenya in 2011. The insurance brokers will go around with a small handheld device, and people pay them for their insurance contract, they upload the information, they print out a receipt, and the individual has that receipt as documentation of their insurance policy. The insurance companies pass much of that risk into the global marketplace by using global reinsurers. So effectively, what we're doing is we're taking rainfall risk in Southern Ethiopia,or Northern Kenya and we're passing it into European and North American capital markets through underwriters backed by global reinsurers. We've adapted this model for several different areas of Kenya and Ethiopia, and now we have a Sharia compliant version for Muslim herder areas in North-Eastern Kenya.

https://hstalks.com/t/3993/index-based-livestock-insurance/?business

Outdoor fireplaces are a fantastic addition to any backyard, blending style, comfort, and functionality to create a cozy outdoor living space. Whether you’re looking to host memorable gatherings or simply enjoy a peaceful evening under the stars, an outdoor fireplace can transform your experience. In this guide, we’ll explore the various styles, benefits, and maintenance tips to help you make the most of your outdoor fireplace. Styles of Outdoor Fireplaces Traditional Stone Fireplaces: These fireplaces are a nod to classic design and offer a rustic, charming appeal that never goes out of style. Ideal for those who value a natural aesthetic, traditional stone fireplaces can be crafted from a variety of stones, including fieldstone, limestone, or granite. They often become the centerpiece of any outdoor area, offering a sturdy and reliable source of warmth and a gathering spot for social events or quiet evenings. Modern and Minimalist Designs: For those who lean towards a contemporary look, modern and minimalist outdoor fireplaces are the perfect fit. These designs are characterized by clean lines and simple forms, often utilizing materials like stainless steel, polished concrete, or even tempered glass. They are designed to complement a modern landscape, providing an elegant and sophisticated touch to your outdoor space while offering the practicality of a heat source. Portable Fireplaces: Portable fireplaces are an excellent option for those with limited space or who enjoy changing their outdoor layout frequently. These fireplaces come in a range of sizes and styles, from small tabletop models to larger, freestanding units. The mobility of these fireplaces allows you to move them as needed, whether you’re rearranging for a special event or simply seeking a change in scenery. Fire Pits: Although not classified as a traditional fireplace, fire pits have become increasingly popular due to their versatility and social nature. They come in various designs, from built-in, permanent structures to portable models, and can be fueled by wood, propane, or natural gas. Fire pits create a relaxed, communal atmosphere, making them perfect for social gatherings, storytelling, or simply enjoying a starry night. Each of these styles offers unique advantages and can be tailored to fit the specific aesthetics and functionality of your outdoor living space, enhancing the overall experience and enjoyment of your backyard Benefits of Outdoor Fireplaces - Enhanced Ambiance: The warm glow of a fireplace creates a welcoming atmosphere, perfect for evening entertainment or quiet nights at home. - Increased Property Value: Well-designed outdoor fireplaces can boost your home’s value, making them a worthwhile investment. - Extended Outdoor Use: Fireplaces provide warmth, allowing you to enjoy your outdoor space even during cooler months. - Cooking and Entertainment: Some fireplaces double as cooking areas, offering a unique way to prepare food while entertaining. - Regular Cleaning: Keep your fireplace clean from ash and debris to ensure safety and efficiency. - Inspection and Repairs: Regularly inspect for any cracks or damage and address repairs promptly to maintain the integrity of the fireplace. - Protective Measures: Use covers during harsh weather and consider installing a spark guard to prevent stray embers. An outdoor fireplace is more than just an addition to your backyard; it’s an investment in your home and your quality of life. With the right style, you can create a focal point that not only enhances your outdoor space but also brings countless hours of enjoyment. Dreaming of cozy nights by the fire in your own backyard? Contact Harpeth Valley Hardscapes today to explore our range of outdoor fireplace options and start bringing your vision to life.

https://www.harpethvalleyhardscapes.com/the-ultimate-guide-to-outdoor-fireplaces-styles-benefits-and-maintenance/

What Are The Car Insurance Coverage Level Rates By The Company Now that you are beginning to understand how things can influence the type of coverage you might need, it is time to consider how much coverage you might need. The table below can help you do just that. Florida Car Insurance Coverage Level Rates by Company As you can see, the higher your coverage, the higher your car insurance rate will be, which is why it is so important to shop around. That is not the end of the story. An older car with higher mileage might not need as much coverage. A lender on a new car might require you to have a better credit score or clean driving record. What Additional Coverages Are Available In Fl While Florida may only require you to maintain $10,000 for an individuals bodily injury, $20,000 for injury to multiple persons, $10,000 for property damage, and a $30,000 minimum per accident, there are benefits to going above and beyond what the law requires. Some of these options include: - MedPay insurance subject to the policy limits will cover the medical payments for all passengers in a vehicle that is injured in an accident. This includes the ambulance ride and treatment. - Uninsured/Underinsured insurance will protect you if you are in an accident with an at-fault driver who isnt carrying liability insurance or whose limits are too low to cover the damages and medical expenses incurred by you or others during an accident. Below are the loss ratio trends for Florida as a whole, which can give you an indication of how the car insurance market as a whole is doing. Loss Ratio of Florida Car Insurance Claims The loss ratio numbers for PIP, MedPay, and Uninsured/Underinsured motorist sections are good news to you as a Florida consumer. Why? What do these loss ratios mean to you? - A High Loss Ratio indicates that the companies are losing money because they pay out too many claims for the rates they have earned, which might cause them to face bankruptcy. A high loss ratio is a good indicator of future rate increases. - A Low Loss Ratio indicates that companies might have overpriced their policies and that a rate decrease could occur soon. Cheapest For Young Drivers: Geico Geico has an even more competitive rate advantage when it comes to young drivers. On average, an 18-year-old driver pays 42% less for a policy with Geico than Liberty Mutual. That’s an average savings of $2,182 per year. Geico is particularly cheap for young drivers shopping for full-coverage car insurance. At $3,854 per year, a policy from Geico costs $3,078 less per year than a policy from Liberty Mutual. However, both insurers are cheaper than the national average for 18-year-olds, which is $7,396 per year. Insurers consider young drivers especially teenagers at a high risk of getting into an accident. Young people should always compare rates from multiple insurers to find the best policy. Young drivers can also consider joining their parents’ auto insurance policy. Their rates will be more expensive if you’re on the policy, but the price of a combined policy is usually less than the cost of having separate policies across family members. Don’t Miss: National Continental Insurance Company Nj What Are Floridas Safety Laws There are several laws on the books in Florida that are designed to keep Floridians safe while on the road. Some of these include DUI laws and laws that regulate distracted driving. Partying and texting have their place, but not behind the wheel. Scroll down to find out how the state of Florida deals with such bad decisions. What are the DUI laws in Florida? Drinking and driving is nothing to celebrate. According to Responsibility.org, Florida suffered 839 Alcohol-Impaired Driving fatalities in 2017 alone. The penalties for driving while impaired are stiff, and they should be. Take a look at what it could cost you to take your party on the road. - First Offense up to six months in jail, $500-$2,000 fine/penalty, and between 180 days to a year of license suspension. - Second Offense up to nine months in jail, $1,00-$4,000 fine/penalty, and between 1-5 years of license suspension. - Third Offense 30 days to five years in jail, $2,000-$5,000 fine/penalty, and 2-10 years of license suspension. It is just not worth the risk. As we say in Florida: Arrive Alive. Does Florida have marijuana-impaired driving laws? While it is now legal to partake in medical marijuana in the Sunshine State, it is still illegal to drive while under its influence. Penalties and fines for driving while under the influence of drugs are just as stiff as they are for DUIs. Take a look: In short, Florida is not kidding around, so make sure that you choose not to get behind the wheel while under the influence. What Kind Of Car Insurance Does My State Require Want to learn more about a states specific auto insurance requirements? Choose a state to see a summary of the coverage requirements and some optional coverages to consider based on location. When you get a car insurance quote, well make sure you get the auto insurance coverage required where you live. Then, you can customize your coverage, so you only pay for what you need. Also Check: Bristol West Car Insurance Phone Number Liberty Mutual Auto Insurance Reviews We rate Liberty Mutual a 9.0 out of 10.0 and recognize it for having Good Programs for Young Drivers in 2022. The overall rating of 9.0 was aggregated from the companys performance across five key categories for car insurance: cost, coverage, reputation, availability and customer experience. *Ratings are determined by our editorial review team. Learn more about our scoring methodology below. Do All States Require Auto Insurance No. If you live in Virginia or New Hampshire, youre not required by law to have car insurance. Its important to note however, that in the event youre found at fault for an accident, you will be responsible for the cost of any resulting damages. Even if you live somewhere with no insurance requirement, its still a good idea to consider getting insurance for your vehicle and most car owners who live in these states do to protect themselves financially and provide peace of mind. Regardless of where you live, if you finance or lease your vehicle, you will most likely be required to carry insurance on your vehicle. Liberty Mutual Insurance Quote Our team got a quote from Liberty Mutual for $215 per month for a full coverage policy. This quote was for a 26-year-old driver who owns a 2018 Honda Accord and drives 12,500 miles per year. The cost for this policy comes out to $2,580 a year, which is higher than the national average of $1,730. Heres a closer look at how Liberty Mutual rates compare to leading national providers. What Factors Affect Liberty Insurance Rates? Car insurance costs are influenced by many factors, some of which are in your control and some which are not. Understanding which ones you have control can help you ensure you get the best rate. Here are the most common factors that affect car insurance rates: Is Liberty Mutual Good Car Insurance The biggest benefit of Liberty Mutual is the variety of options. The firm provides a variety of coverage alternatives, including specialist options. There are various ways to save money by participating in discount programs. However, Liberty Mutual auto insurance may not be the best or cheapest alternative for high-risk drivers. Read Also: What Do Life Insurance Blood Tests Test For Pricing Based On Tracked Driving Habits In some states, you can get a discount for allowing Liberty Mutual to monitor your driving through its RightTrack program. An app on your phone or a small tracking device in your car measures habits like acceleration, braking, distance and time of day. You get a discount for signing up, which can change later based on how safely you drive during a 90-day evaluation. See what you could save on car insurance Easily compare personalized rates to see how much switching car insurance could save you. What Are The Rules Of The Road In Florida No matter which state you reside in, there will always be rules of the road. Knowing what they are in Florida could help you keep your driving record clean. Knowing the laws and obeying them can also help you keep your cool when shopping around for the best prices on car insurance. Keep scrolling to find out all you need to know to be a well-informed driver as you head out on the road. Compare Quotes From Top Companies and Save Secured with SHA-256 Encryption You May Like: Northwestern Mutual Life Insurance Phone Number Liberty Mutual Auto Insurance Coverage When youre shopping for car insurance, its important to understand what car insurance coverage you want and what youre required to buy. Most states require car insurance in order to drive a vehicle. Although minimum coverage requirements vary from state to state, they generally include liability insurance and uninsured or underinsured motorist coverage. If you want extra protection, you may be interested in full coverage insurance. Full coverage isnt a specific policy type it’s a combination of coverage types, like liability, collision and comprehensive insurance. Check out the most common types of car insurance coverage below to see how they work: Bodily injury and property damage liability Costs for injuries, deaths or property damage from an accident you caused. Uninsured or underinsured motorist coverage Medical and property damage costs after an accident with a driver who has insufficient insurance or none at all. Repair expenses from traffic-related accidents, regardless of who’s at fault. A car loan or lease may require it. Repair costs from events outside of your control, including weather events, hitting an animal while driving, theft and vandalism. A car loan or lease may require it. Liberty Mutual offers standard auto policies to which you can add several types of optional coverage, including: » MORE:Compare car insurance rates Free Car Insurance Comparison GEICO controls approximately 25% of the overall car insurance market in Florida. GEICO also has $4,678,326 in Direct Premiums Written, which indicates that GEICO is financially sound as well since: While insurance companies can increase revenue by increasing premiums on policies that have come up for renewal, the main driver for growth in this area is writing new policies. What about The General auto insurance in Florida? You can get cheaper car insurance, but GEICO and other high market companies perform much better. Also Check: Voya Accident Insurance Payout Amounts What Is The Average Cost Of Car Insurance In Florida The average cost of car insurance in Florida is $2,328 per year per year according to thezebra.com.2 Thats 56.5% higher than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history. Some people get the bare minimum coverage, while others prefer the comfort and security of more protection. Liberty Mutual customizes your Florida auto insurance, so you only pay for what you need. How To Cancel Car Insurance Liberty Mutual Policyholders can easily terminate their auto coverage with Liberty Mutual by calling 1 658-9857 and speaking with an insurance advisor. If the representative you speak with asks you questions regarding your new insurance, be prepared to provide them with your policy details. It would be best to inquire about any costs or refunds that may apply during the cancellation process. Don’t Miss: What Is Indemnity Health Insurance Liberty Mutual Auto Insurance Reviews: Conclusion In this article, Liberty Mutual auto insurance received 9.0 out of 10.0 stars by our reviews team based on the same categories used to assess all car insurance providers. We also included a complete guide to Liberty Mutual, providing in-depth information on the companys auto and home insurance costs, coverage and customer reviews. Liberty Mutual Insurance Company Reviews The Liberty Mutual Group is an international insurance provider that was founded in Boston in 1912. The provider offers many auto insurance policies and add-oncoverage options for drivers nationwide. According to the National Association of Insurance Commissioners , Liberty Mutual wrote over $12.7 billion in direct premiums in 2021. Also Check: At Home Sleep Study Covered By Insurance Liberty Mutual Vs Geico Discounts Liberty Mutual offers more discounts than Geico. Many of Liberty Mutual’s discounts are easy to earn like its early shopper discount for getting a quote before your current policy expires. Both Geico and Liberty Mutual offer a military discount. However, Geico’s discount is only available to active-duty service members and veterans. Liberty Mutual extends the discount to reservists, too. Why Does The Cost Of Auto Insurance Vary By State The cost of car insurance varies by state for a few reasons. Some of the most straightforward reasons are state-specific laws that dictate required insurance coverages or minimums that vehicle owners need to meet. Some of the lesser-known reasons car insurance cost may vary from one state to another include severe weather-related risks, a states claims-to-litigation ratio, or that a state prohibits insurance companies from using specific driver information, such as age or gender, as a factor to determine rates. Some common coverage disparities that you might see from state to state include Personal Injury Protection coverage limits and uninsured motorist coverage. Recommended Reading: What Is Ded In Insurance Cheapest For Most Drivers: Geico Geico has cheaper car insurance prices than Liberty Mutual across multiple coverage levels. A minimum-coverage policy from Geico costs $667 per year, or $56 per month, on average. That’s $185 per year cheaper than the same coverage from Liberty Mutual, and $118 less expensive than the national average. Find Cheap Auto Insurance Quotes in Your Area Full-coverage car insurance is also cheaper with Geico. A policy costs $108 per month, which is $49 per month cheaper than Liberty Mutual. Liberty Mutual Coverage Options Drivers can also purchase add-on coverage. Heres an overview of the additional coverage options Liberty Mutual provides: |Liberty Mutual Coverage |This optional collision coverage helps reduce your deductible by $100 each year. |Lifetime Repair Guarantee |If your vehicle needs repairs because of an accident, this coverage takes care of all arrangements and guarantees your repair for as long as you own your car. The company partners with over 2,000 repair facilities nationwide. |New Car Replacement Insurance |This ensures that you receive a brand-new car if your totaled vehicle is under one year old and has fewer than 15,000 miles. |Better Car Replacement Insurance |If you get into an accident and your car is deemed a total loss, your coverage will give you money for a replacement car that is one model year newer with 15,000 fewer miles than your current car. |Rental Car Reimbursement |If your vehicle is repaired at an approved repair facility, Liberty Mutual will reimburse you for your rental car. |24-Hour Roadside Assistance |This add-on coverage provides 24-hour roadside assistance and covers towing, jump-starts, emergency fuel and flat tires. |Gap coverage will cover the remaining amount you owe on your car loan if your car is totaled. |Original Parts Replacement |This optional coverage will replace any damaged parts on your vehicle with components that meet the highest quality standards. Also Check: Best Health Insurance For Diabetics What Are The Car Insurance Laws In Florida As discussed in the earlier section, there are minimum coverage requirements for drivers and car owners in Florida. According to the NAIC, the Sunshine State also requires that you file the proper forms before your insurance can be used. While it is common knowledge that you must be covered by car insurance to tag a vehicle or drive in Florida, many people are shocked to learn that they can also be denied car insurance coverage simply because they are considered to be a high-risk driver. This is why it pays to be proactive by driving defensively when you are on Floridas roads, and why you should always obey all traffic laws. By practicing safe driving, you can keep your driving record clean and thereby prevent yourself from being labeled a high-risk driver. You can also do your part by understanding how the laws in the state of Florida are determined. The Following Insurance Coverages Are Recommended For Homeowners In Florida: - Flood insurance: Homeowners insurance generally does not cover damage caused by floods, which can be a significant problem for Florida coast to coast, anytime of year. Keep in mind that even if you are not in a flood zone, flooding frequently occurs outside of flood risk areas. Liberty Mutual offers flood insurance in partnership with the National Flood Insurance Program under the Federal Emergency Management Agency . While flood insurance needs to be purchased separately and is often optional, it may be required to secure a home loan if you live in a high-risk flood area. Recommended Reading: Insurance That Covers Dental Implants Is Hurricane Damage Covered Under Car Insurance Your car insurance policy may cover hurricane-related damage, depending on the coverages you’ve purchased and the damage your vehicle sustains. Comprehensive coverage, for example, will cover perils such as hurricane and flood damage as well as damage caused by falling objects. Collision coverage can also protect you from certain events, such as a collision with a stationary object due to strong winds or rain. If you live in a higher-risk county like Miami-Dade, Collier, Brevard, Sarasota and many others, these types of car insurance coverages could be worth the extra money.

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