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"70 Years of Serving You 1st" The Best Homeowners Insurance There are several ways to purchase Homeowners Insurance. In the midst of all the insurance commercials and advertisements, it may seem that homeowners insurance is just a commodity–a product that is the same at every company. It’s not. Rural Homeowners Insurance policies in Virginia can be very different and have very different cost. You’re not buying a soda; You’re protecting your financial well being…and the choices you make could affect you for the rest of your life. Think about this: The banks have your insurance to lean on, the insurance company has the reputation of your agent and our relationship with you to lean on. We Bundle coverages, when possible, and represent multiple homeowners insurance companies that offer many different policies. The best homeowners insurance purchase decision is often made with the help of a professional insurance agent, especially one who understands rural and mountain issues such as longer distances to Fire Departments, small farming operations on the premises, something on the property that would keep you from getting insurance with most carriers (Dogs, trampolines, unfenced pools, older outbuildings or barns and other issues that typically occur in rural areas. Our insurance agents are ready to help! We love unusual circumstances! To learn about more Homeowners Insurance, please visit our Virginia Homeowners Insurance Information page. At Belcher Insurance Agency “70 Years of Serving You 1st” means: - FREE NEEDS ANALYSIS.We take the time to understand every client’s needs and work hard to provide the best possible insurance solution for the best value. - EXTRA-ORDINARY SERVICE.We take pride in exceeding the expectations of our clients by providing superior communication, quality service, and delivering the ultimate, exceptional experience. - WE GIVE OUR CLIENTS OUR CELL PHONE NUMBER! Access to your agent at your fingertip. - EXCEPTIONAL RESPONSIVENESS. We respond as soon as possible to client inquiries–most of the time within minutes. - TECHNOLOGY. We partner with companies that are innovative and remain on the cutting-edge of technology, so our clients may have the convenience of accessing their policy information at anytime, anywhere, any place. - FINANCIAL WELLNESS. We educate and work collaboratively with clients to bring order to their financial life and to achieve their dreams and goals, as they navigate through the different fiscal stages, such as eliminating debt, asset protection, and retirement planning. - WE CARE. We go beyond insurance and provide clients with an experience that they will appreciate and services that will help clients improve their cash flow and build personal wealth. - PARTNERSHIP. Our referral partners will assist our clients with all their real estate needs, such as, buying, refinancing, and investing. Belcher Insurance Agency is a full-service insurance agency providing Commercial Insurance and Personal Insurance services to residents of Virginia, West Virginia, Kentucky, Tennessee, Maryland, and North and South Carolina including the Southwest Virginia communities of Haysi, Clintwood, Norton, Pennington Gap, Wise , Abingdon, Richlands, Grundy, Lebanon, Castlewood, Saint Paul, Pennington Gap, Jonesville, Duffield, Gate City, Weber City, Bluefield and Tazewell. Call, request a quote by email, or visit us at one of our offices today for a free, no obligation risk assessment and quote. Let us do the research and find the best value for the Homeowners Insurance you need. Personal Insurance Coverage for Different Needs On the right sidebar of this page, you will find links to a number of personal insurance resources. Click on any of the different personal insurance coverage categories to learn more about specific insurance issues and coverages. Please call one of our insurance agents at Belcher Insurance Agency for any assistance. Homeowners Insurance Experts: Visit our About Us page to learn about our Homeowners Insurance experts: Grant Belcher, Nicole Blansett, Nancy Davis, and Candice Sykes.

https://belcherinsurance.net/virginia-personal-lnsurance-coverages/best-homeowners-insurance/

Computer security can involve many different areas. Young people accessing the Internet from computers or mobile devices have important security issues to consider. Your interactions with others online should always be positive. Online harassment and cyberbullying have become prevalent problems, impacting people of many different ages. As you use the Internet to hang out with friends and family, take steps to prevent online harassment. What is Cyberbullying? It may help to understand the definition of cyberbullying. Cyberbullying involves the use of technology to harass, embarrass, or hurt other people. A cyberbully might use various platforms to harass, including text messages, emails, or social media. Sometimes, the harassment can be obvious, like hurtful or embarrassing messages. Other times, a cyberbully might use less obvious means to harass others. This type of harassment might involve impersonating someone else with a fake online persona with the intent of embarrassing someone. In this situation, the cyberbully might encourage the sharing of personal information, which the person then leaks to others to create an embarrassing situation. ・Approximately 42 percent of all American kids report being bullied online. ・About 58 percent of American kids admit that they don’t tell an adult when they are cyberbullied. ・Cyberbullying goes both ways: About 53 percent of U.S. kids admit that they have said something mean about someone else online. Victims of cyberbullying usually have various negative feelings about it. As a victim, you might feel angry, sad, or isolated. It’s common to feel like you don’t have any friends when someone is bullying you online. Some kids react by getting into fights with other people. Other teens turn their anger inward and want to hurt themselves. It’s typical to feel helpless and hopeless, but you can take steps to help yourself and stop cyberbullying. Instead of living in fear or feeling sad all of the time, solve the issue to stop the crime. How to prevent online harassment? To prevent online harassment, take care with how you interact with people on the Internet. For the most security, do not share personal information, pictures, or videos with anyone online. Check with your parents or another adult before you upload pictures or videos. Secure your social media accounts with strong passwords and the strongest privacy settings. Avoid using profanity or harsh words with others on the Internet because this may provoke problems with other people. Remember that all conversations, pictures, videos, and information you place on the Internet could potentially be seen by anyone. Even if you delete something later, you cannot completely remove it from the Internet. ・Cyberbullying can involve many different tactics, including impersonation, harassment, trickery, embarrassment, and exclusion. ・A cyberbully is anyone who engages in this behavior to hurt others. Some people may inadvertently assist cyberbullies, too, through actions as simple as laughing or watching without trying to stop a situation. ・Cyberbullying may morph into cyberstalking. Cyberstalking involves following a person around online or even in person with the intent of harassment or harm. What you can do when faced with cyberbullying? Anytime you feel uncomfortable or frightened by interactions you have online, tell a parent or another adult about it. Remember, usually, a cyberbully is trying to incite a response from the victim. If you don’t respond, you don’t give the bully the desired reaction. A lack of response might even diffuse the entire situation. Save copies of hurtful exchanges that have occurred on the Internet or in text messages so you can show an adult. Because cyberbullying is a crime, you and your parents might decide to report the situation to your school or the police. ・Some states have passed cyberbullying laws. Other states are in the process of passing new security laws. ・Cyberbullying might be a precursor to more serious behavior in the future. - Bullying and Harassment Information for Teens (PDF) - High-Tech Harassment: Understanding and Preventing Cyberbullying (PDF) - For Teens and Tweens: Cyberbullying - Kindness and Cruelty on Social Network Sites (PDF) - Internet Safety Guide for Teens (PDF) - Cyberbullying Information - What Is Cyberbullying? - The Role Kids Play - Addressing Sexual Harassment With Teens (PDF) - Teens and Cyberstalking - Stop Cyberbullying Resource Guide - Net Cetera: Chatting With Kids About Being Online (PDF) - Real Crimes in Virtual Worlds (PDF) - Technology, Teen Dating Violence and Abuse, and Bullying (PDF) - Dealing With Cyberbullies - Stalking Victims in the United States (PDF) - Youth Safety on a Living Internet (PDF) - High?Tech Stalking (PDF) - Electronic Media and Youth Violence (PDF) - Enhancing Child Safety and Online Technologies (PDF) - A Study on Cyberstalking (PDF) - Stop Cyberbullying Before it Starts (PDF) - 5 Ways to Handle and Prevent Cyber-Harassment - Delete Cyberbullying - Internet Harassment or Cyberbullying - Stop Cyberbullying for Kids and Teens - What Is Cyberbullying? - Stop Cyberbullying Now - Cyberbully Zombies Attack! - Passwords: Simple Ways to Increase Your Security (PDF) - A Word About Social Networking (PDF)

https://blog.360totalsecurity.com/en/preventing-online-harassment/?utm_source=Mainpage&utm_medium=Banner%2Fpage%2F7%2F%2Fpage%2F6%2F%2Fpage%2F5%2F

Enterprise Risk Management The Office of Enterprise Risk Management oversees and facilitates the university’s risk management program and strategies designed to protect and enhance Appalachian State University’s value. These efforts include management of the University’s property and casualty programs, production of risk assessments, and collaborations with risk owners to continuously find effective and creative ways to manage everyday risk. Our ERM Program is designed to simplify University governance and enhance the execution of the institution’s strategic plan and critical activities. The Program strives to provide the leaders with actionable strategic intelligence with a pragmatic focus on optimizing decision making, speed to success, and resource allocation. As a byproduct, the University’s return on finite resources is optimized, strategic priorities are achieved on time, and our reputation as a university of distinction is furthered. Need a Vehicle Insured? Need a vehicle insured? No problem, we’ll just need the following: - Fund # to which we allocate the insurance premium - Department which owns/operates vehicle - Make (ex: Toyota, Honda, Ford) - Model (ex: Tacoma, Civic, F150) - Serial (VIN) - Vehicle Value - Plate number (optional) - Vehicle number (optional) - Coverage Start Date - Coverage End Date (if known) Loss Payee (if leased or rented) - Garage address Enterprise Risk Manager For assistance, please send an email to firstname.lastname@example.org Interim Enterprise Risk Manager Omar Gonzalez is from Hendersonville, NC. He is a U.S. Army Veteran with specialized training in all-source intelligence analysis, reconnaissance, personnel security, and physical security. While serving on active duty, he worked in Secret Compartmentalized Information Facilities, where he researched and presented intelligence summaries and led fusion cells that integrated all intelligence disciplines for course of action development. He is a recent App Alum who received a BS in Actuarial Sciences with minors in Risk Management & Insurance and statistics. Omar is also a Master of Science Candidate in our Applied Data Analytics program. Omar is also involved with AppR.I.S.E., an experiential cluster of students and faculty who are teaching, learning, and doing applied research that can impact businesses and policymakers in managing risks. Omar was previously an intern for the risk management office at AppState and USAA in their Risk and Compliance division. His research and application interests are in strategic and enterprise risk management, psychology and economics, decision-making under uncertainty, and statistical programming.

https://generalcounsel.appstate.edu/enterprise-risk-management/

Cyber liability insurance is the new hot ticket item for small businesses, with premiums expected to rise as cyber attacks become more frequent. Cyber insurance is designed to protect companies against losses they may incur as a result of cyber attacks. In other words, it covers the cost of damages resulting from things like hacking, data breaches and malware infections. Cyber insurance comes in a few different forms: Business interruption coverage will reimburse you for lost income when your business can’t function due to a cyber attack. This includes lost profits, wages and supplies needed to operate your business. Data recovery coverage will help you recover from the loss of data stored on computer systems and networks connected to those systems. It includes software costs, hardware costs and labor costs associated with restoring files from backup copies or from original sources such as hard drives or tapes. Legal defense coverage will pay for legal expenses related to defending yourself against lawsuits brought by customers who have been affected by a cyber attack at your company’s expense. Why Do Companies Need Cyber Insurance? Cyber security has become more important than ever before. The number of cyber attacks is increasing, and cyber criminals are becoming more sophisticated. This means that the potential costs of being hacked are also increasing, which makes it even more important for businesses to be protected by cyber insurance. Cyber liability insurance for small business is especially important for small businesses because they are often the targets of cyber attacks. These attacks can be very expensive for a small business and can have a significant impact on their bottom line. The cost of cyber insurance is relatively low compared to the potential costs of a data breach or other cyber incident, which makes it an excellent investment for any business owner. Cyber insurance is a smart investment for any company that uses technology or connects to the internet. Even if you don’t think your business would be a target, cyber criminals can easily find ways to attack your data. With so many businesses relying on computers and electronic devices, it makes sense to protect against losses due to hacking attacks.

https://hadosdesign.com/cyber-liability-insurance/

You have quite likely heard the term “limited liability”, even if you may not fully understand its legal, business and financial implications. In practice, limited liability is much more than a legal safeguard: It ensures business investment, innovation and even business continuity, all of which are essential for economic growth in the UK. In this article we will look at everything that you need to know about limited liability, including what it means, its significance in UK business formation and the differences between limited and unlimited liability. We will look also at the legal implications of limited liability, its advantages and disadvantages and how to establish a limited liability company for your business. Understanding the Concept of Limited Liability Limited liability keeps the personal assets of business owners and the financial obligations of the company completely separate from one another. A limited liability business is a legal “person” in its own right that is separate from its shareholders. Limited liability minimises the personal financial risk of business owners and shareholders. If a limited liability business fails then its investors and owners are safeguarded and will not be exposed to the losses of the business. This means that the company’s creditors cannot take their private or personal assets, including property, money, investments and vehicles. If a limited liability company fails or is sued then the maximum financial exposure of shareholders and owners is limited to their investment in the company. It is important to note, however, that although limited liability provides a great deal of legal and financial protection, it does not guarantee absolute immunity. By negligence, wrongful or fraudulent trading, or engagement in criminal activities, owners of limited liability companies may still expose themselves to personal liability and, potentially, to criminal prosecution. The Importance of Limited Liability in Business It is fair to say that, without limited liability, our economy would be considerably smaller and less diverse. Limited liability provides peace of mind to investors that they will not lose their personal assets if the business runs into trouble. Limited liability provides an incentive for entrepreneurship and investment in projects across a wide range of industries. This is because entrepreneurs are more likely to embark on ambitious projects and explore new areas of business when they are shielded from personal loss. How Limited Liability Protects Your Personal Assets From the moment that a limited liability entity is incorporated by Companies House its members are protected by limited liability. Under a limited liability structure the financial obligations of the business, including its debts and legal liabilities, are strictly limited to the assets of that business. Any personal assets owned by its shareholders – including homes, cars, money and investments – are all shielded from the reach of the company’s creditors. In companies limited by shares, shareholders are liable only for the payment of their shares. Once the shares are fully paid-up the shareholder is no longer personally liable and their personal assets are fully protected. It is important to bear in mind, however, that some companies allow shares to be paid partially or to remain unpaid. In these circumstances, there may be some remaining personal liability. The Role of Limited Liability in UK Company Formation Limited liability companies in the UK are required to register with Companies House. This registration process involves providing key details about the company, such as its registered office, directors and the nature of its business activities (see below for more details on the incorporation process). Before applying to register a company, either directly through Companies House or with the valuable knowledge and help of a company formation agent such as Uniwide Formations, it is important to consider the type of business structure that will best suit your needs. There are several types of business that can be registered at Companies House, including: - Private limited company by shares (Limited / Ltd.). - Private limited company by guarantee (Limited / Ltd.). - Public limited company (PLC). - Private unlimited company. - Limited liability partnership (LLP). If you form a limited liability company in the UK then the business becomes a legal entity which is separate from its owners. Differences Between Limited Liability and Unlimited Liability The main differences between limited liability and unlimited liability businesses concern the level of personal risk exposure faced by business owners. With an unlimited liability business, there is no legal separation between the business and its owners. The personal assets of unlimited liability business owners are not protected and can be used to satisfy the debts and liabilities of the business. Limited liability businesses, however, are legally distinct from their owners who are therefore protected and not exposed to the liabilities of the business. The Legal Implications of Limited Liability From a legal standpoint, a legal liability business is a body corporate that is completely separate from its members and can do anything that a legal person can do. This means that it can enter into contracts, acquire assets and incur liabilities in its own name. In some circumstances, a shareholding member of a limited liability business may be required to contribute to assets of the business if – for example – they: - Are found guilty of misfeasance – i.e. they fail to discharge their legal duties as a director or partner; - Fall within special clawback provisions under the Insolvency Act 1986 or: - Are required to contribute by agreement between the members. Advantages and Disadvantages of Limited Liability - The separation of personal and business assets protects the personal wealth of business members (i.e. shareholders and owners). - Limited liability businesses are widely viewed as attractive to investors because they limit their personal financial exposure. - The death or withdrawal of a shareholder does not necessarily affect the continuity of the business. - Setting-up and maintaining a limited liability structure can be more complicated and expensive than other business types. - Limited liability companies may need to comply with more regulations, reporting requirements (e.g. to HMRC and Companies House) and corporate formalities. - Shareholders may have limited control over certain business decisions, depending upon the structure. How to Establish Limited Liability for Your Business Establishing limited liability for a business typically involves several steps, as follows: - Choose a legal structure that offers limited liability and is suitable for your needs, such as a private limited company by shares (Limited or Ltd) or a private limited company by guarantee (Limited / Ltd). - Understand your legal obligations for the type of legal structure that you choose (e.g. reporting requirements). - Choose a suitable company name that has not already been used. - Choose your directors and company secretary. - Decide on your company’s registered address (a formation specialist, such as Uniwide Formations, can provide you with a registered address if this is needed). - Determine your shareholders or guarantors. - Identify any persons with significant control (PSCs). - Register your limited liability business with Companies House. This process can be completed online either directly with Companies House or through a company formation specialist (such as Uniwide Formations). You will need to provide at least 3 pieces of personal information about yourself and any other shareholders, including town of birth, mother’s maiden name, father’s first name, telephone number, national insurance number and/or passport number. You will need also to pay a company registration fee. Case Study: The Impact of Limited Liability on Businesses One notable example of the effect of limited liability upon business is the online fashion retailer ASOS. The company was founded in 2000 and quickly expanded worldwide. The limited liability structure of the company meant that it could attract huge investment without exposing the personal assets of its founders. The separation of personal and business liabilities shielded the entrepreneurs from substantial financial risk as they navigated the challenges of the competitive fashion industry. Since 2000 ASOS has transformed into a leading e-commerce platform that proves just how greatly limited liability encourages entrepreneurship and facilitates business growth in the UK. Frequently Asked Questions about Limited Liability Is limited liability only for large corporations? By no means is limited liability exclusive to large corporations. Businesses of any size – startup, small, medium or large – can all benefit from limited liability by structuring themselves as a limited company (Limited / Ltd). or another limited liability business type. Can personal assets be at risk despite limited liability? Although limited liability protects personal assets in most cases, shareholders in a company can still expose themselves to personal financial risk – and also to criminal prosecution – should they engage in illegal or fraudulent activities. Are there alternatives to limited liability? An alternative to limited liability is unlimited liability, whereby personal assets are not protected; for example by doing business as a sole trader or in a general partnership. On the other hand, unlimited liability business owners often have fewer legal obligations and filing requirements to meet. Limited liability is key to entrepreneurship, investment and economic growth in the UK. It not only shields personal assets from business liabilities but also encourages innovation and risk-taking, both of which are vital for economic growth. Although limited liability provides a legal safeguard, thereby allowing businesses to thrive, it also places responsibilities on members to adhere to strict reporting and legal requirements. If you are considering setting up a new limited company in the UK in 2024 or beyond then it is important to weigh up the options available to you. Remember: One size does not fit all when it comes to business structures. Your decision will depend on the size of your business, your future plans for growth and how you plan to encourage investment. By choosing a business structure that is suitable for your needs you can maximise your potential for success.

https://help.uniwide.co.uk/limited-liability-in-depth-insights/

Ideal Boiler Installation in Earl's Court SW5 Ideal boiler installation in Earl's Court has increased due to the range of high-efficiency domestic gas boilers. Ideal boilers are one of the leading innovators in the domestic heating market. They are very efficient when it comes to heating boasting an integral clock and a choice of flue systems. If you choose a Ideal boiler you can be safe in the knowledge that your home will be heated by a trusted brand that is built around a reputation for producing quality products at affordable prices. Ideal boiler installation near me in Earl's Court SW5 We provide the best local boiler services for customers in and around the Earl's Court SW5 area. Not sure if we cover your area? No problem. Give us a call on 020 7205 2791 and we can advise you from there. We provide same-day solutions for Ideal Boiler problems, repairs and faults. Installing your Ideal boiler If you’re looking to install a Ideal gas boiler replacement why not talk to us before you decide – call Earl's Court 020 7205 2791 and we’ll take you through the costs, benefits and savings. What Types of Ideal boilers will suit my Earl's Court home? Ideal’s range includes heat only boilers, system boilers, Combi boilers and back boiler units which use natural gas as well as LPG (liquefied petroleum gas). Condensing combi are a popular choice. Simple to use and compact in size, they are Ideal where space is limited. With such a wide range of Ideal Boilers to have installed, in our experience it's often best we make an initial free visit to your home to review the following before making any recommendations - Position of existing boiler:- Will your boiler need to be moved/rehoused elsewhere - The mix of hot water and heating your property requires:- Some prefer a regular bath, whilst others only shower, all of which effect the boiler usage and type we recommend. - Size of property - clearly the amount of rooms to heat has an impact - Number of radiators - again of your home has a mix of central heating and electric heating, through to if your radiators have heating controls already installed. FAQs - Frequently Asked Ideal Boiler Questions Looking for a service other than Ideal Boiler Installation in Earl's Court SW5? We provide a whole range of boiler options for our Earl's Court clients: Not in Earl's Court? Still looking for "Ideal Boiler Installation companies near me SW5...?" We have years of experience providing our Earl's Court clients with Ideal Boiler Installation, however we also cover many other regions:

https://idealboilers.net/earls-court/ideal-boiler-installation/

Insurtech Innovations: Transforming Insurance in the Digital Age In the realm of insurance, a technological wave known as Insurtech is reshaping the industry, bringing about innovative solutions that enhance efficiency, customer experience, and risk management. Digital Transformation of Insurance Insurtech, a fusion of “insurance” and “technology,” represents a paradigm shift in the way insurance products and services are developed, distributed, and consumed. This digital transformation is not just about automating processes but fundamentally reimagining the entire insurance value chain. Data-Driven Decision Making At the heart of Insurtech is the use of data analytics to make more informed decisions. Insurers are leveraging big data and artificial intelligence to assess risk more accurately, personalize policies, and enhance underwriting processes. This data-driven approach enables a more precise understanding of customer needs and risk profiles. Insurtech is putting customers at the center of the insurance experience. Through digital interfaces, mobile apps, and online platforms, policyholders now have easier access to insurance services. This customer-centric approach not only improves accessibility but also fosters a more engaging and transparent relationship between insurers and policyholders. Telematics and Usage-Based Insurance The integration of telematics into insurance models is a notable Insurtech innovation. Telematics devices, often installed

https://rockawayuppercrust.com/tag/digital-transformation/

As the New Year unfolds, many South Africans should take the opportunity to reassess their insurance cover to ensure they are adequately protected against emerging risks. Sandro Geyser, Managing Director at IntegriSure Brokers, provides insights into five factors individuals should consider when reviewing their motor and home insurance policies. 1. Power Surge Cover and Load Shedding Protection South Africans have faced a challenging year, enduring over 330 days of load shedding in 2023, indicating a significant escalation in the country’s power supply crisis. In line with the frequency of unexpected power surges and load shedding in 2023, most insurers implemented significant changes to enhance their approach to power surge cover. These changes included: revised excess structures, policy wording changes, inclusion of definitions outlining what constitutes power surge, optional cover and limits, and in some instances the inclusion of waiting periods for new cover. It is therefore important to familiarise yourself with the policy conditions pertaining to your power surge cover and to understand the extent of cover you will enjoy during load shedding. 2. Cyber Cover: Safeguarding Against the Rising Threats In an era marked by escalating cyber threats, South Africa has become a primary target for ransomware and e-mail attacks. According to Surfshark’s Data Vulnerability Thermometer research, South Africa’s cyber-crime density – the percentage of cyber-crime victims among a specific number of internet users – has increased by 8% over the last year, placing the country in fifth position globally. Phishing and online payment fraud remain the most prevalent cyber-crimes worldwide. Geyser emphasises the importance of integrating cyber cover into insurance portfolios. “We all know of someone that has been hacked or lost money to cyber criminals. Many consumers are unaware that they can obtain insurance cover for themselves and their family on an individual basis. In line with the shifting cybersecurity risk landscape, cyber cover is not only essential but also affordable, and should form a crucial part of your comprehensive insurance portfolio.” 3. Underinsurance: A Silent Risk Geyser warns against underinsurance, urging policyholders to annually review cover values to prevent being underinsured. The potential consequences are stark: a failure to increase your contents cover by a very reasonable 10% annually could result in a massive 61% underinsurance after just five years. “The additional premium to accommodate for only a 10% increase in value is minimal. Also, don’t forget to ensure any new items purchased over the festive season are placed on cover.” 4. Excess Structures: Understanding Financial Risk Do you know what your excesses are on your policies? “All too often a cheaper premium comes with higher excesses. Going from a zero excess on your vehicle to a R20 000 excess can easily result in a 40% change in premium. You can adjust most policy excesses which remains an excellent tool to manage your risk depending on your personal circumstances and budget,” explains Geyser. 5. Risk Mitigating Services: Beyond Conventional Cover Understanding and managing insurance risks is complex. “Different risks require distinct insurance products, and understanding each policy’s nuances is crucial for adequate protection. As risks evolve, regularly review and update your strategy and cover to align with your current situation. Collaborate with an experienced insurance broker to help navigate policy complexities to ensure proper protection. Brokers should also play a key role in identifying and supporting non-traditional risk management solutions, incorporating elements like risk prediction and prevention.” In conclusion, Geyser encourages individuals to review product options. “Protect your hard-earned assets by consulting with your broker who will be able to provide you with options and recommendations for a suitable product to best suit your pocket and your needs.”

https://sabusinessintegrator.co.za/latest-news/navigating-the-insurance-landscape-key-considerations-for-a-secure-new-year/

The Dorset & Wiltshire Fire and Rescue Service is urging owners and managers of high-rise residential buildings to make sure they understand new legislation that comes into force later this month. The new regulations will come into force on 23 January. The Fire and Rescue Service say Fire Safety (England) Regulations 2022 determine high-rise buildings to be those of at least seven storeys and/or 18 metres in height. Responsible Persons of such buildings will now have to meet a number of new requirements, including: - Providing their local fire and rescue service with detailed floor and building plans, both electronically and hard-copy in secure information boxes on site. - Providing details of the building’s external wall construction via an online reporting tool. - Advising the fire and rescue service of any faults to firefighting equipment and lifts, and reporting when the faults have been fixed. The Fire and Rescue Service say new regulations apply to all multi-occupied residential buildings, containing two or more sets of domestic premises, requiring Responsible Persons to: - Provide relevant fire safety instructions to their residents on how to report a fire and what a resident must do once a fire has occurred. This will include information on the evacuation strategy for the building, and may also include consideration of fire signage in other languages where appropriate. This would give occupants a better understanding of what to do in a fire situation. - Provide residents with information relating to the importance of fire doors in fire safety. Group Manager Graham Kewley, Head of Fire Safety Delivery, said: “As a result of the Grenfell Tower tragedy, and the public inquiry Phase 1 recommendations that followed, the new Fire Safety Act came into force last May, and the Fire Safety (England) Regulations start on 23 January. "These are important steps in strengthening existing fire safety legislation, and improving fire safety in multi-occupied residential buildings. “We are encouraging Responsible Persons – usually the owner, site manager or occupier of the premises, who is responsible for ensuring and maintaining correct fire safety and procedures – to familiarise themselves with the new regulations and to prepare for the significant changes being introduced. "This includes reviewing their fire risk assessments, and being clear on which parts of the new legislation apply to their premises, as there are differing requirements depending on the height of the building.” Be the first to comment on this article

https://swindonlink.com/news/dw-fire-and-rescue-new-fire-safety-regs-feb-2023/

Builders Risk News Roundup: July 2021 For this month's edition of our Product News Roundup, check out these three builders risk insurance highlights to help you sell and service course of construction clients with confidence. - Anticipate Change Orders Contract amendments often increase the project value, so prevent your client from being underinsured with a change order endorsement. About the Endorsement > - How to Calculate TCV Add all costs associated with the building and designing of the covered property including labor, overhead and materials, and if included profit. Exclude land from the calculation. Get the 101 Guide > - Project Cheat Sheet Grab this quick reference for real-life scenarios to help you spot projects eligible for builders risk insurance. Get the Cheat Sheet > Not registered to do business with us? Sign up for instant access to an “A” rated carrier with no volume commitment! Check in again next month when we deliver another roundup of product news. Until then, you can find out what other insurance professionals say about the Builders Risk Plan insured by Zurich or leverage our resource center to ramp up your expertise even more! More NewsView more Check out these descriptions of three optional and additional coverage endorsements that can enhance the scope of coverage for your commercial or personal lines clients. With new home construction in high demand and increased building prices, don't miss out on the opportunity to speed up your application using XPressBIND®.

https://usassure.com/about/news/builders-risk-news-roundup-july-2021

WE SELL FIREPITS Liberty Fire Pit with Curved Base Hurry, There is only a few Left !!! Why Buy From Us? Why Buy From Us? You are looking for the perfect Firepit around which you can build memories with your friends and family. You are not going to just buy any Firepit, you want quality at an afordable price. That is why we, as the Leading Authorized Dealer of all Firepit Brands, offer a wide variety of Firepits that are quality made at the best prices. So feel free to contact any of our friendly staff if you have any questions, we are here to help you. Our Staff are experts in the field and will assist you to pick the RIGHT Firepit. You are looking for the perfect firepit, right? That is why we stock only the best. Why? Because We Sell Fire Pits! Wood Fire Pit Description The Liberty Fire Pit with Curved Base is one of our top selling outdoor wood burning Fire Pit bowls and would be perfect for your outdoor patio. Place this Round wood burning Fire Pit Bowl on your outdoor patio and let it be the center point of loving memories. This wood burning Fire Pit bowl has enough ventilation making it a smokeless Fire Pit and you can choose from a small or large Fire Pit. This is a quality Steel Fire Pit and made from quality American Steel, that is why it has a lifetime warranty, perfect for any outdoor space. “The Liberty” American Fire Pit combines bold and linear styling with tough American quality and durability. With no parts to break or wear out over time, this Fire Pit is built to last a lifetime. “The Liberty” is crafted from thick carbon American steel that is sourced from local steel mills. No maintenance is required for this Fire Pit, as it’s designed to withstand the elements year-round. “The Liberty” features a substantial Rain Drain to allow for water drainage. The “Natural Steel Finish” will develop a natural iron oxide patina and gradually darken over time. This is one of our High end wood burning Fire Pits, hand crafted by a local Artisan that boasts excellent quality at a reasonable price. We at We Sell Fire Pits focus ons selling quality Fire Pits at the best prices and this Fire Pit is the perfect example. What makes the Liberty Fire Pit special? - FREE SHIPPING - Custom Hand Crafted - Durable Steel Construction - Lifetime Warranty - Maintenance Free - Rain drain Available size; Small and Large Fire Pit: 24" Diameter - 14" Height - 7.5" Bowl Depth (Weighs 50 lbs.) 30" Diameter - 16" Height - 9" Bowl Depth (Weighs 80 lbs.) 36" Diameter - 18" Height - 11" Bowl Depth (Weighs 110 lbs.) 42" Diameter - 19.25" Height - 12" Bowl Depth (Weighs 214 lbs.) 48" Diameter - 21" Height - 14" Bowl Depth (Weighs 224 lbs.) What does this Fire Pit Sale include? - 1 Liberty Fire Pit bowl with Curved Base Fire Pit Specification |Custom Hand Crafted Shipping and Returns This product will be shiped in 1-3 days. Please allow a couple of days for the road freight from our warehouse to your door. This product ships via Ground delivery. This item is eligible for returns. There is no downloads

https://wesellfirepits.com/products/liberty-fire-pit-with-curved-base

BEDFORD - AUGUST 22, 2023 - The Board of Works approved changes to the Bedford Fire Department's Standard Operating Procedures during their meeting Monday afternoon. The policy changes to the command staff was approved to allow a Lieutenant to be officer in charge should a Battalion Chief or Captain be unavailable. Under the previous policy only a Captain rank or above could be officer in charge. The policy may require the Lieutenant to be moved to headquarters should a Battalion Chief or Captain be unavailable. The Lieutenant has more than 18 years of experience and most having more than ten years experience. The Bedford Firefighters must have 9 firefighters on duty at all times, however under brief periods of time may have eight firefighters under certain circumstances. At the present time BFD is search of its next fire chief following the retirement of Fire Chief John Hughes. Other actions taken by Board of Works for the fire department: Approved T & G construction bid for additional renovations at the Englewood Fire Station on 29th Street. The fire station have seen several improvements which include roof improvements and bird remediation after the birds took residence in the fire station. The fire station was built in 1974, and the renovations are the first in that time frame. Bedford has three fire stations that serve the city with the two satellite stations staffed with two firefighters at each stations. The Board of Works approved Seth Johnson's status as a 2nd Class firefighter to permanent, this comes following the recommendation of Former Fire Chief Hughes prior to his retirement. 200 days same as cash Located at 1416 James Avenue Bedford, Indiana

https://www.lczephyr.org/post/bedford-fire-department-remains-without-fire-chief-board-of-works-approves-policy-changes

Consumers not familiar with shopping for insurance online might discover shopping for affordable Salem auto insurance very challenging. It’s a great practice to compare rates once or twice a year since rates change regularly. Just because you found the lowest rates a few years ago you can probably find a lower rate today. Starting now, forget anything you know (or think you know) about auto insurance because I’m going to teach you the tricks you need to know to save money, get proper coverage and the best rates. If you currently have car insurance, you should be able to lower your premiums substantially using this information. The purpose of this article is to let you in on how car insurance quotes work and some money-saving tips. Although New Hampshire car owners must know how insurance companies price online insurance and take advantage of how the system works. Consumers need to have an understanding of the factors that play a part in calculating your auto insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that can help you get much lower annual insurance costs. Shown below are some of the factors companies use to determine your rates. All major auto insurance companies give insurance quotes on their websites. Getting online rates is pretty easy as you just type in the amount of coverage you want into a form. After the form is submitted, their system will obtain credit information and your driving record and returns pricing information based on these factors. Quoting online simplifies rate comparisons, but having to visit many different websites and complete many quote forms is repetitive and time-consuming. But it’s absolutely necessary to compare as many rates as possible in order to find the lowest price. A quicker way to locate the lowest prices uses one form to get prices from several companies at one time. The form is fast, helps eliminate reptitive entry, and makes comparison shopping much simpler. Immediately after submitting the form, your coverage is rated and you are able to buy any of the quote results. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. This process only takes a few minutes and you’ll know if lower rates are available. If you want to get comparison pricing now, click here to open in new window and complete the simple form. To compare your current rates, we recommend you replicate the coverages exactly as they are listed on your policy. Doing this assures you will have a fair comparison for similar coverage. Auto insurance companies such as Allstate and Progressive consistently run ads in print and on television. They all seem to make the same claim that you’ll save big if you change to their company. But how can every company claim to save you money? All companies are able to cherry pick for the type of driver that earns them a profit. An example of a driver they prefer could possibly be a mature driver, has no prior claims, and chooses high deductibles. Any new insured that hits that “sweet spot” will qualify for the lowest rates and is almost guaranteed to save quite a bit of money when switching. Potential insureds who don’t qualify for the “perfect” profile will be charged higher prices and this can result in business going elsewhere. The ads state “customers who switch” not “everyone that quotes” save money. That’s why companies can claim big savings. That is why you should get as many quotes as possible. It is impossible to predict which company will have the lowest rates. Companies don’t list every available discount in a way that’s easy to find, so we took the time to find both the well known and the harder-to-find ways to save on auto insurance. It’s important to understand that most discounts do not apply to all coverage premiums. Most only cut the cost of specific coverages such as medical payments or collision. Just because it seems like you could get a free auto insurance policy, you’re out of luck. For a list of insurers with the best auto insurance discounts in New Hampshire, click here. A small number of people would rather buy from a local agent and that is a personal choice. The best thing about price shopping on the web is you can get better rates but still work with a licensed agent. To help locate an agent, after submitting this quick form, your insurance data gets sent to insurance agents in Salem who will give you bids to get your business. You never need to even leave your home because quoted prices will be sent to your email. How’s that for easy! Get lower rates AND an agent nearby. Deciding on an provider requires more thought than just a low price. Agents should be asked these questions: Shown below is a list of insurance companies in Salem that may be willing to give price quote information. To view a full list of licensed insurance agents in Salem, go to this page. After receiving answers to your satisfaction for all questions you ask in addition to an acceptable price estimate, you have narrowed it down to an insurer that is a good match to properly service your auto insurance policy. When buying proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s. These are some specific questions can aid in determining whether your personal situation would benefit from professional advice. If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. Additional detailed information is available at the New Hampshire Insurance Department website. New Hampshire consumers can download brochures, read consumer alerts, learn about specific coverages, and view a list of available companies. When trying to cut insurance costs, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice liability limits or collision coverage only to discover later that the savings was not a smart move. Your goal should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage. Budget-conscious auto insurance is possible online and with local Salem insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who do not offer online quoting and most of the time these small insurance companies sell through independent agents. Consumers change insurance companies for any number of reasons including delays in paying claims, not issuing a premium refund, delays in responding to claim requests and lack of trust in their agent. It doesn’t matter what your reason, choosing a new insurance company can be easy and end up saving you some money.

https://www.quoteclicksave.com/tightwads-guide-to-saving-on-salem-auto-insurance.html

Frequently Asked Questions Frequently Asked Questions A cybersecurity risk assessment is a systematic process of identifying, evaluating, and prioritizing potential risks to your organization’s digital assets, including sensitive information, systems, and networks. It involves analyzing vulnerabilities and potential threats to determine the likelihood and potential impact of cyber incidents. To establish a thorough cybersecurity risk management practice, organizations should not only complete risk assessments for their own organizations, but also for any third-party supplier that interacts with the organization’s digital environment. Establishing solid digital trust hygiene protects against cyber-related attacks and breaches of sensitive information. A cybersecurity risk assessment helps organizations understand their vulnerabilities and potential threats, enabling them to make informed decisions about implementing security measures, allocating resources effectively, and developing informed remediation practices. Risk assessments allow organizations to proactively manage and mitigate cyber risks to protect their assets and reputation. Some benefits of cybersecurity risk assessments include: - Identify vulnerabilities Assessments help identify vulnerabilities and weaknesses in your organization’s IT infrastructure, networks, and systems. By becoming more informed about your risk posture, you can proactively address any issues before they can be exploited. - Protect sensitive information Assessments enable you to identify and protect sensitive information, such as customer data, financial records, intellectual property, and trade secrets. Implementation of appropriate security measures reduces the risk of data breaches and unauthorized access. - Prioritize security investments A risk assessment helps you prioritize your cybersecurity investments. By understanding the potential impact and likelihood of different threats, you can allocate resources effectively, ensuring you focus on areas that require immediate attention. - Compliance requirements Many industries have specific regulatory compliance requirements related to cybersecurity. Conducting regular cybersecurity risk assessments is the first step in identifying gaps in compliance and allows you to take necessary steps to meet regulatory standards, avoiding potential penalties and legal issues. - Business continuity Cyber incidents can disrupt business operations and lead to financial losses. A risk assessment allows you to identify potential risks that could impact your organization’s ability to function. By implementing mitigation and remediation strategies, you enhance your business’s resilience and reduce potential downtime. - Safeguard reputation Data breaches and cyber incidents can severely damage your organization’s reputation. Customers, partners, and stakeholders expect organizations to take cybersecurity seriously. By conducting a cybersecurity risk assessment and implementing appropriate safeguards, you demonstrate your commitment to protecting sensitive information and build trust. A cybersecurity risk assessment should involve an external multidisciplinary team comprised of key stakeholders with expertise in information/cyber security, privacy, IT, risk management, finance, audit, legal, operations, compliance, and other relevant business functions. This ensures a comprehensive and holistic assessment of risks across the organization. Cybersecurity risk assessments should be conducted regularly to ensure your security measures remain effective and up to date. The frequency depends on factors such as the size of your organization, business requirements, industry regulations, technological advancements, and the threat landscape. It is recommended to conduct risk assessments at least annually or whenever significant changes occur, such as major system upgrades, technology implementations, mergers, or acquisitions. Common methods used to assess cyber risks include: - Vulnerability scanning and penetration testing - Security control assessments - Threat modeling and risk quantification - Business impact analysis - Compliance assessments against industry standards and regulations - Third-party risk assessments The results of a cybersecurity risk assessment can be utilized in several ways, including: - Informing decision-making on resource allocation for security initiatives - Prioritizing and implementing security measures to address identified risks - Supporting compliance efforts with relevant regulations and standards - Educating stakeholders about potential cyber risks and the need for cybersecurity investments - Demonstrating due diligence to customers, partners, and regulatory bodies - Providing a baseline for future assessments to measure improvements in risk posture The potential outcomes of a cybersecurity risk assessment include: - Identification of vulnerabilities and threats - Assessment of the likelihood and potential impact of cyber incidents - Prioritized list of risks requiring mitigation or management - Recommendations for improving security controls and reducing risks - Development of a risk remediation plan - Enhanced understanding of the organization’s security posture The organization benefits of a vetted cybersecurity risk assessment include: - Alignment of key stakeholder groups of the level of a risk an organization is willing to accept when doing business with external 3rd parties. - Independent validation of a vendor’s security controls that can be relied upon without further testing/verification procedures. A vetted cybersecurity risk assessment can help differentiate your organization from competitors, build trust with customers, comply with regulations, mitigate risks, and potentially lead to cost savings. It positions your business as security-conscious and capable, which can significantly impact sales and business opportunities. - Enhanced Credibility A vetted cybersecurity risk assessment demonstrates that your organization takes cybersecurity seriously and has proactively assessed and addressed potential risks. This can enhance your credibility and reputation among customers, investors, and partners who are concerned about data security. - Competitive Advantage In today’s business landscape, where data breaches and cyber-attacks are common, having a vetted cybersecurity risk assessment can give you a competitive edge. It shows that you have taken the necessary steps to mitigate cyber risks and protect your customers’ sensitive information, making your products or services more attractive compared to competitors who lack such assessments. - Increased Trust A vetted cybersecurity risk assessment instills trust and confidence in your customers. It assures them that you have implemented appropriate measures to safeguard their data and privacy. Trust is crucial in building long-term customer relationships, and a thorough assessment can help establish that trust. - Compliance and Regulations Many industries have specific cybersecurity regulations and compliance requirements. Conducting a vetted cybersecurity risk assessment ensures that you are meeting these obligations and can provide evidence of compliance to auditors and regulatory bodies. This can be especially important when dealing with clients or partners who have strict security requirements. - Risk Mitigation Cybersecurity risk assessments identify vulnerabilities, potential threats, and areas of weakness within your organization’s infrastructure and processes. By addressing these risks, you can minimize the likelihood of security incidents and their associated financial and reputational costs. - Demonstrated Due Diligence Organizations of all sizes often require suppliers or vendors to undergo cybersecurity risk assessments as part of their due diligence process. By having a vetted assessment in place, you can streamline negotiations and expedite partnerships by demonstrating that you met industry-standard cybersecurity requirements that have been verified by an independent authority. A vetted cybersecurity risk assessment provides organizations with valuable insights into their cybersecurity posture, enabling them to make informed decisions and investments to protect their fiscal interests. It helps prevent costly incidents, reduces potential liabilities, and enhances the overall security and resilience of the organization. - Risk Mitigation A vetted cybersecurity risk assessment helps identify potential vulnerabilities and threats to an organization’s digital assets. By assessing these risks proactively, an organization can take preventive measures to mitigate them. This reduces the likelihood of cyberattacks, data breaches, and other security incidents that could result in financial losses. - Cost Savings Cybersecurity incidents can be expensive to manage. They often involve investigation, remediation, data recovery, legal fees, regulatory fines, public relations efforts, and potential lawsuits. By conducting a vetted cybersecurity risk assessment, organizations can implement targeted security controls and invest in the most effective risk mitigation strategies. This focused approach can save costs by allocating resources efficiently and avoiding unnecessary spending on ineffective security measures. - Insurance Premium Reductions Cybersecurity insurance policies cover financial losses resulting from cyber incidents. However, the premiums for these policies can be high, especially within some highly regulated industries. By undergoing a vetted cybersecurity risk assessment, organizations can demonstrate to insurers that they have implemented robust cybersecurity practices, leading to reduced insurance premiums and significant cost savings over time. - Compliance and Regulatory Benefits In some industries, organizations are required to comply with specific cybersecurity standards and regulations. By undergoing a vetted cybersecurity risk assessment, organizations can ensure they meet these requirements. Compliance not only helps avoid penalties and legal consequences but also demonstrates a commitment to protecting critical operations and sensitive information. - Business Continuity Cybersecurity incidents can disrupt business operations, resulting in downtime and revenue losses. A vetted cybersecurity risk assessment helps identify potential weaknesses in an organization’s infrastructure, systems, and processes. By addressing these vulnerabilities, organizations can improve their overall resilience to cyber threats, minimize downtime, and maintain business continuity. This, in turn, helps protect the organization’s financial stability and preserves its reputation. There are several reasons why you should consider hiring Venseca to complete a vetted cybersecurity risk assessment. - Expertise and Experience Venseca is known for its expertise in cybersecurity risk evaluation. We have a team of highly skilled professionals who specialize in evaluating security risks across various industries. Our experience allows us to identify potential vulnerabilities and provide comprehensive solutions. - Comprehensive Approach Venseca takes a comprehensive approach to security risk assessments. We assess various aspects of your organization’s security, including cybersecurity, operational processes, and personnel training. This comprehensive approach ensures that all potential risks are identified and addressed. - Customized Solutions Venseca understands that every organization is unique, and their security risks may vary. We tailor our assessment process to your needs, considering your industry, size, and any specific concerns, regulations, or requirements. This personalized approach allows us to provide tailored recommendations and solutions. - Thorough Analysis Venseca conducts a thorough analysis of your organization’s security controls. measures. We review existing policies and procedures to understand a vendor’s current control set, identify any gaps, and ensure system controls are aligned with policies. Our assessment includes the review of recent vulnerability scans, penetration tests, tabletop exercises, and current risk mitigation plans as highlighted on the organization’s risk registers. This in-depth analysis assures us that security controls are operating effectively and comply with company policies. - Compliance and Regulations Venseca keeps abreast of the latest security regulations and compliance standards. We ensure that our assessments align with relevant industry guidelines and legal requirements. By working with Venseca, you can ensure that your organization is aware of the developing security standards and is taking the necessary measures to remain compliant - Actionable Recommendations Once the assessment is complete, Venseca provides you with a detailed report outlining our findings and recommendations. Our recommendations are practical, actionable, and prioritized based on the level of risk. This enables you to focus on the most critical security improvements first and implement a robust security strategy. Ultimately, hiring Venseca to create a vetted cybersecurity risk assessment can help you gain a comprehensive understanding of your organization’s security posture, identify vulnerabilities, and implement effective measures to mitigate risks. Our expertise, experience, and customized approach make us a reliable choice for assessing and enhancing your security framework. Venseca’s Digital Trust Score is a rating (like a credit rating) that represents the level of security-trustworthiness and reputational credibility associated with any entity. This patent-pending process is calculated using various data points and algorithms that analyze security governance, policies & procedures, and system security controls. The purpose of Venseca’s Digital Trust Score is to assess the reliability and integrity of organizations in online transactions, interactions, and engagements. It helps establish trust between parties who may not have a direct relationship or prior knowledge of each other, such as in e-commerce, social media, or peer-to-peer sharing platforms.

https://www.venseca.com/our-process/venseca-faq/

Worth Ave. Group understands the financial risk Greek House Officers take in providing housing for their chapter members. As a result, we have launched an optional student renters liability program to help protect your house property. Fire, smoke and water damage can occur at any time due to their mishaps. It’s important that your members have this renters insurance in place to help defray the expensive repair costs that may arise as the result of their negligence. By offering renters liability insurance to your members, your organization can spread the risk you Greek House Officers face protecting your building. It’s easy and affordable: Offer our College Plus student renters insurance plan to your members to insure their valuable personal property. Then encourage students to add renters liability coverage to their policy to protect the chapter’s housing as well. Don’t let the risk of severe loss be a burden for your organization and chapters any longer. + Offers liability coverage to housing provider for the following losses caused by accidental resident mishaps: fire, smoke, water damage, resident-induced sewer backup, explosion. + Liability Coverage limits up to $30,000. + Affordable premiums and a low deductible of just $250. + Policy is primary, so we will respond first to a loss. + Available in all 50 states. + Provide College Plus insurance plans to your student residents. + Student residents then add property liability coverage to their College Plus plan. + Group plans are available to cover all student housing residents. + Per resident policy option is available. + Student residents can purchase coverage directly with us making it easy on you. + Student residents can be billed monthly or yearly. + Supplement liability coverage to reduce your exposure. + Helps reduce your loss ratios because claims are filed directly with Worth Ave. Group. + Designate your student housing company/facility as the loss payee on the resident’s policy to receive claim checks in your company/facility’s name. + Simple and easy claims process. + Generate revenue of your own for offering this plan to your residents. + With a College Plus plan student residents can protect their valuable personal property including electronics. + Group rates are available making the plan more affordable and creates higher participation among residents. + Our portal systems allows us to provide you with policy holder lists any time you need one. For more information please call us today at 1-800-620-2885 or fill out the form below.

https://www.worthavegroup.com/education-policies/greek-house-officers/

Electric vehicle fire inside a garage in Colorado South Metro Fire Rescue Centennial, Colorado responded to an electric vehicle fire inside a garage in Centennial using the Bridgehill EV fire blanket. Thankfully, all residents evacuated safely without any injuries. This information has been sourced from South Metro Fire Rescue in Centennial, Colorado. EV fire inside a garage On Wednesday, January 10, 2024, residents inside a home in Centennial heard their smoke alarms activate and found their house filling smoke. They dialed 911 and quickly discovered the electric vehicle in the garage was engulfed. Thankfully, the residents safely evacuated and were not injured. When Firefighters and Sheriff Deputies arrived, they observed a large volume of smoke pouring from the garage and visible fire under the door. Fire control and primary searches were carried out and crews prevented the fire from extending into the living space of the home. EV fire blanket The Hazardous Materials Team responded to help mitigate the burning EV with a fire blanket. Safety 35’s F-150 was used to pull the burning Jaguar onto the driveway where the blanket could be safely deployed. A hybrid vehicle inside the garage was also damaged, and firefighters used a second EV fire blanket to cover it out of an abundance of caution. After both vehicles were loaded onto tow trucks, Arapahoe County Sheriff and Engine 41 escorted them to a salvage yard in Parker where the smoldering car will be left until the temperature cools and the fire is out. Fire Investigators determined the fire started in a 2019 Jaguar I-PACE that was charging when the fire occurred. A recall was issued for the I-PACE last year after a battery overheating issue caused fires.

http://bridgehill.com/news-insights/electric-vehicle-fire-inside-a-garage-in-colorado/

When purchasing life insurance, it is understandable to focus on two areas. First, of course, is the amount of benefits that will be provided to the beneficiary should death of the insured occur. This is the amount the policy owner has determined is sufficient to cover final expenses, debts and other expenses that wouldn’t be covered in their absence. The second focal point would be the premium. This is the amount the policy costs either per month, quarterly or annually. If an insured, for example, can’t continue to afford the premiums of a life insurance policy and it lapses due to non-payment, it would forfeit any benefits. This is why it is critical to only purchase how much insurance you can afford to maintain. The are other benefits included in life insurance policies that are worth being aware of. One is the life insurance waiver of premium benefit. What is a “waiver of premium” and when can it be invaluable for an owner of an insurance policy? Let’s take a closer look. What is a Waiver of Premium? A waiver of premium is a provision or rider in a life insurance policy that provides for the payments of life insurance premiums on a policy should the owner become ill, sustain a serious injury or otherwise become disabled. It simply provides that the benefits of the policy would continue to be available, even if the owner is no longer physically able to provide for premium payments. For example, should a parent take out a policy on a child, and they become seriously injured in a car accident, premiums would be “waived” on the policy of their child. This means they could still maintain coverage of their child should a physical disability they sustain prevent them from making payments. In essence, this is like a second layer of protection. It provides for payments of the insurance premium should the owner no longer be able to work to pay for those premiums. This can be extremely valuable and extraordinarily valuable for parents and grandparents who purchase life insurance policies on their children. To learn more about waiver of premium benefits and the other hidden benefits of life insurance, contact one of our independent insurance agents. There’s a lot more to life insurance than you may realize, and we can help you discover these hidden benefits. Contact us today for a no-obligation quote. Let us get you a FREE quote started. Please send us a message by filling out the form below, and we will contact you shortly.

https://bic-agency.net/a-waiver-of-premium-benefit-can-make-sure-life-insurance-premiums-for-a-loved-one-continue-even-if-the-owner-becomes-ill-or-disabled-learn-more/

Business interruption (BI) insurance policyholders affected by Covid-19 have been given a significant boost after the UK High Court found in favour of the Financial Conduct Authority’s (FCA) argument with insurers over highly contested policy wordings. The judges’ findings provide clarity around key disputed clauses and are expected to prompt the settlement of many BI claims in the aftermath of significant losses suffered as a direct consequence of the pandemic. It is estimated that 700 different policies offered by 60 insurers to some 370,000 policyholders will be impacted by the findings of the test case. What was the case against insurers? The FCA, the insurance industry regulator, brought the test case to the High Court after a number of insurers denied liability for BI claims based on their interpretation of policy coverage and causation. The FCA represented the interests of policyholders, many of whom are small and medium sized business that have suffered devastating financial losses as a consequence of Covid-19. Seeking clarification on specific clauses, the FCA argued that the pandemic and the Government’s response should trigger BI pay-outs for impacted policyholders. Eight insurance companies took part in the test case. What policy wording was considered by the judges? The test case reviewed 21 sample wordings from standard business interruption policies offered by the eight different insurers. The sample policy wordings fell into three separate categories: disease wordings (cover for notifiable disease), prevention of access / public authority wordings (cover for denial of access to the premises) and hybrid wordings (cover for restrictions on the premises resulting from a notifiable disease). The judges were asked to consider whether the ‘disease’ and/or ‘denial of access’ clauses in the sample wording cover policyholders for losses suffered as a result of the pandemic. How did the judges rule on business interruption policy wordings? The judges determined that most, although not all, of the disease policy wordings provide cover for policyholders. Importantly, they resolved that Covid-19, the Government and public response were a sole cause of business interruption. Even where a policy provides cover, claims must meet this condition before a settlement can be reached. The judges also addressed the denial of access clauses, pointing out that cover would depend on the specific wording of each clause and how the Government’s response had impacted the individual business. How does the ruling impact BI policyholders? The judges’ ruling provides certainty around specific policy wordings in the context of the Covid-19 pandemic. It does not however provide a solution for all claim disputes; each policy must still be reviewed against the court’s detailed findings. It does means that policyholders no longer need to engage with their insurer on key areas of uncertainty around policy wording and causation. Policyholders with affected claims can expect to be contacted by their insurer over the next week. Will insurers appeal the UK High Court’s decision? The insurers may choose to appeal the judge’s findings and have agreed alongside the FCA that any appeal should be fast tracked to provide a prompt resolution for policyholders. An appeal does not prevent policyholders from pursuing a claim settlement with their insurers. What should I do if I think I have a claim? If your business has suffered a loss as a result of the Covid-19 pandemic, find out if you have a claim under your BI insurance policy. Get in touch with our team today to have us review your policy terms for free.

https://claimmanagementgroup.com/uk-high-court-backs-bi-insurance-policyholders-in-landmark-case/

Workers’ compensation insurance is an essential tool for protecting your team and keeping your business financially secure. It provides coverage for employees who suffer work-related injuries or illnesses, providing them with medical benefits and wage replacement. This insurance not only safeguards your workers but also offers peace of mind as an employer, knowing that you have taken proactive steps to support your team in times of need. Wealth management is not just about growing your assets; it involves effectively managing the risks that come with running a business. Workers’ compensation insurance plays a crucial role in this aspect by mitigating the financial impact of workplace injuries or illnesses. From slip and fall accidents to occupational diseases, this insurance coverage ensures that your employees receive the necessary medical care and are compensated for lost wages, reducing the strain on your business’s financial resources. When considering workers’ compensation insurance, it is vital to understand the specific requirements and regulations in your area. Each state may have different laws governing this insurance, so it’s essential to consult a knowledgeable insurance provider to ensure compliance and adequate protection for your employees. By investing in workers’ compensation insurance, you not only protect your team but also foster a positive work environment, demonstrating your commitment to their well-being and safety. Understanding Workers’ Compensation Insurance Workers’ Compensation Insurance is a crucial form of protection that provides financial assistance and support to both employees and employers in the event of work-related injuries or illnesses. This type of insurance is designed to ensure that employees receive proper medical care and compensation for lost wages, while also protecting employers from potentially crippling financial liabilities. When an employee sustains an injury or falls ill due to their work, workers’ compensation insurance steps in to cover the costs associated with their medical treatment. This can include expenses such as hospital bills, medications, rehabilitation services, and even ongoing care if necessary. By providing this coverage, workers’ compensation insurance enables employees to focus on their recovery without the added stress of financial burdens. Moreover, workers’ compensation insurance also protects employers by offering a system that prevents employees from filing lawsuits against them for workplace injuries. In exchange for the coverage provided by the insurance, employees typically relinquish their right to sue their employer for negligence, ensuring a smoother resolution for both parties involved. This aspect of workers’ compensation insurance helps create a streamlined process for handling work-related injuries and avoids protracted legal battles that can be costly and time-consuming. In addition to its role in supporting injured employees and protecting employers, workers’ compensation insurance plays a crucial role in a company’s overall wealth management strategy. By having this insurance in place, businesses can better manage the financial risks associated with workplace accidents and mitigate potential financial setbacks. This allows employers to focus on running their operations smoothly rather than worrying about unexpected expenses resulting from work-related incidents. Understanding the importance and dynamics of workers’ compensation insurance is vital for both employees and employers. As an employee, being aware of the coverage provided and the appropriate steps to take in case of an injury can ensure that you receive the necessary support and care. For employers, having workers’ compensation insurance in place not only protects employees but also safeguards the financial stability of the company. Benefits of Workers’ Compensation Insurance Workers’ Compensation Insurance plays a crucial role in ensuring the well-being of both employees and employers. By providing financial protection and support to workers who experience job-related injuries or illnesses, this type of insurance offers several key benefits: Financial Security: Workers’ compensation insurance provides employees with the assurance that they will receive financial support if they suffer from work-related injuries or illnesses. This coverage typically includes medical expenses, rehabilitation costs, and a portion of lost wages during the recovery period. This financial security helps alleviate the financial burden that can arise from unexpected accidents in the workplace. Employer Protection: In addition to providing benefits for employees, workers’ compensation insurance also offers protection to employers. By having this insurance in place, businesses can safeguard themselves against costly lawsuits and potential legal liabilities resulting from workplace injuries or illnesses. Furthermore, it helps maintain a positive working environment by demonstrating a commitment to employees’ well-being. Peace of Mind: Workers’ compensation insurance provides peace of mind to both employees and employers. Knowing that there is a safety net in place in case of accidents or work-related health issues allows employees to focus on their tasks without worrying excessively about potential consequences. Similarly, employers can operate their businesses confidently, ensuring that their workforce is adequately protected. Overall, workers’ compensation insurance provides essential benefits for both workers and employers. It ensures financial security, protects employers from legal liabilities, and brings peace of mind to all parties involved. Choosing the Right Workers’ Compensation Insurance When it comes to protecting your team, selecting the appropriate workers’ compensation insurance is crucial. This insurance coverage is an essential component of wealth management for businesses. By carefully considering your options and selecting the right policy, you can safeguard your business while ensuring the well-being of your employees. One of the key factors to consider while choosing a workers’ compensation insurance provider is their experience and reputation. It is vital to partner with an insurance company that specializes in workers’ compensation and has a track record of delivering reliable coverage and support to businesses like yours. By doing so, you can trust that they understand the unique risks associated with your industry and can provide tailored coverage to meet your needs. Secondly, carefully evaluate the coverage options offered by different insurance providers. Each business has its own set of risks and requirements, so it is crucial to select a policy that aligns with your specific circumstances. Focus on understanding the limitations, exclusions, and terms of each policy to ensure that it offers comprehensive protection for your employees in various workplace situations. Lastly, consider the level of support and assistance provided by the insurance company. In the event of an injury or accident, your insurance provider should be readily available to guide you through the claims process and support your team during their recovery. Look for a company that offers excellent customer service, prompt claim handling, and ongoing risk management resources to help prevent future incidents. By investing time and effort into choosing the right workers’ compensation insurance, you can create a safer work environment for your team while protecting your business from financial risks associated with workplace injuries. Remember to seek expert advice and thoroughly compare your options before making a decision.

https://dialetheia.net/protecting-your-team-unveiling-the-power-of-workers-compensation-insurance/

In today’s fast-paced and unpredictable world, having insurance coverage has become a necessity for individuals and families. Insurance provides financial protection and peace of mind in the face of unexpected events or emergencies. However, it is essential for consumers to be well-informed about their insurance benefits and understand the importance of financial literacy to make informed decisions. This article will explore the current insurance landscape and highlight the significance of financial literacy in empowering consumers. The Changing Insurance Landscape The insurance industry has witnessed significant changes in recent years. Technological advancements have revolutionized the way insurance companies operate, making policies more accessible and customizable. With the rise of insurtech, consumers can now compare different insurance options online, receive quotes instantly, and even purchase policies without the need for extensive paperwork. Furthermore, traditional insurance providers are exploring innovative ways to cater to the evolving needs of consumers. They are introducing new policies that cover emerging risks, such as cyber threats, climate change-related damages, and even pandemics. This adaptability ensures that consumers can find insurance coverage that aligns with their specific requirements. The Importance of Financial Literacy While insurance companies are making insurance more accessible, it is crucial for consumers to have a solid foundation of financial literacy. Financial literacy refers to the knowledge and understanding of various financial concepts, such as budgeting, saving, investing, and managing debt. It empowers individuals to make informed decisions about their finances, including insurance coverage. Financial literacy helps consumers understand the terms and conditions of insurance policies, enabling them to choose the most suitable coverage for their needs. It also allows individuals to assess the credibility and reliability of insurance providers, ensuring they are making a wise investment. Moreover, financial literacy equips consumers with the skills to navigate complex insurance jargon, making the process of purchasing and claiming insurance smoother. Empowering Consumers through Education To empower consumers, insurance companies and financial institutions must prioritize financial literacy education. Providing resources, workshops, and online tools can help individuals enhance their financial knowledge and make informed decisions about insurance and other financial matters. Governments and educational institutions can also play a crucial role in promoting financial literacy by incorporating it into school curriculums and offering free or affordable courses to the public. Additionally, insurance companies can simplify their policy documents and communication to make them more accessible to consumers. Using plain language and avoiding complex jargon can ensure that individuals can easily understand the terms of their insurance coverage. The Role of Technology in Enhancing Financial Literacy Technology can also play a significant role in enhancing financial literacy among consumers. Mobile applications and online platforms can provide personalized financial advice, budgeting tools, and interactive learning modules. These tools can help individuals track their expenses, set financial goals, and understand the impact of insurance on their overall financial well-being. Insurance companies can leverage technology to offer virtual consultations and chatbots, allowing individuals to ask questions and receive immediate assistance. This accessibility can help consumers feel more confident and informed when making decisions about their insurance coverage. The Benefits of Empowered Consumers Empowering consumers through financial literacy has numerous benefits. Firstly, it enables individuals to make well-informed decisions about their insurance coverage, ensuring they have appropriate protection for their needs. This can prevent underinsurance or overinsurance, saving consumers from unnecessary expenses. Financially literate consumers are also better equipped to manage their finances effectively. They can budget efficiently, save for the future, and make informed investment decisions. This financial stability enhances their overall well-being and reduces the likelihood of falling into debt or financial hardships. In the ever-changing insurance landscape, it is crucial for consumers to be empowered through financial literacy. Understanding insurance benefits, terms, and conditions allows individuals to make informed decisions and choose the coverage that best suits their needs. By prioritizing financial literacy education and leveraging technology, insurance companies and financial institutions can ensure that consumers are equipped with the knowledge and tools necessary to navigate the complex world of insurance. Empowered consumers not only benefit themselves but also contribute to a more financially resilient society.

https://diatei.com/current-insurance-benefits-and-financial-literacy-empowering-consumers/

Gujarat School Reopen News STD 1 to 5: Gujarat School Reopen 2021 | Gujarat School Reopen News | Gujarat School Reopen STD 1 to 5 | School Reopen news | Gujarat School Reopen STD 1 to 5 | Primary School Reopen | School STD 1 to 5 Reopen news This coverage pays for damage to the policyholder’s car resulting from a collision with another car, an object or as a result of flipping over. It also covers damage caused by potholes. Collision coverage is generally sold with a deductible of the higher the deductible, the lower the premium. Even if policyholders are at fault for an accident, collision coverage will reimburse them for the costs of repairing the car, minus the deductible. If the policyholder is not at fault, the insurance company may try to recover the amount it paid from the other driver’s insurance company, a process known as subrogation. If the company is successful, policyholders will also be reimbursed for the deductible. This coverage reimburses for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, missiles, explosions, earthquakes, windstorms, hail, flood, vandalism and riots, or contact with animals such as birds or deer. Comprehensive insurance is usually sold with a deductible, though policyholders may opt for a higher deductible as a way of lowering their premium. Comprehensive insurance may also reimburse the policyholder if a windshield is cracked or shattered. Some companies offer separate glass coverage with or without a deductible. States do not require the purchase of collision or comprehensive coverage, but lenders may insist borrowers carry it until a car loan is paid off. It may also be a requirement of some dealerships if a car is leased. Uninsured and Underinsured Motorist Coverage Uninsured motorist coverage will reimburse the policyholder, a member of the family or a designated driver if one of them is hit by an uninsured or a hit-andrun driver. Underinsured motorist coverage comes into play when an at-fault driver has insufficient insurance to pay for the other driver’s total loss. This coverage will also protect a policyholder who is hit while a pedestrian. Homeowners insurance provides financial protection against disasters. It is a package policy, which means that it covers both damage to property and liability, or legal responsibility, for any injuries and property damage policyholders or their families cause to other people. This includes damage caused by household pets. Damage caused by most disasters is covered but there are exceptions. Standard homeowners policies do not cover flooding, earthquakes or poor maintenance. Flood coverage. however, is available in the form of a separate policy both from the National Flood Insurance Program (NFIP) and from a few private insurers. Earthquake coverage is available either in the form of an endorsement or as a separate policy. Most maintenance-related problems are the homeowners’ responsibility. A standard homeowners insurance policy includes four essential types of coverage. They include: Coverage for the Structure of the Home This part of a policy pays to repair or rebuild a home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disaster listed in the policy. It will not pay for damage caused by a flood, earthquake or routine wear and tear. Most standard policies also cover structures that are not attached to a house such as a garage, tool shed or gazebo. Generally, these structures are covered for about 10 percent of the total amount of insurance on the structure of the home. Coverage for Personal Belongings Furniture, clothes, sports equipment and other personal items are covered if they are stolen or destroyed by fire, hurricane or other insured disaster. Most companies provide coverage for 50 to 70 percent of the amount of insurance on the structure of a home. This part of the policy includes off-premises coverage. This means that belongings are covered anywhere in the world, unless the policyholder has decided against off-premises coverage. Expensive items like jewelry, furs and silverware are covered, but there are usually dollar limits if they are stolen. To insure these items to their full value, individuals can purchase a special personal property endorsement or floater and insure the item for its appraised value.Trees, plants and shrubs are also covered under standard homeowners insurance—generally up to about $500 per item. Perils covered are theft, fire, lightning, explosion, vandalism, riot and even falling aircraft. They are not covered for damage by wind or disease. Liability coverage protects against the cost of lawsuits for bodily injury or property damage that policyholders or family members cause to other people. It also pays for damage caused by pets. The liability portion of the policy pays for both the cost of defending the policyholder in court and any court awards—up to the limit of the policy. Coverage is not just in the home but extends to anywhere in the world. Liability limits generally start at. However, experts recommend that homeowners purchase at worth of protection. An umbrella or excess liability policy, which provides broader coverage, including claims for libel and slander, as well as higher liability limits, can be added to the policy. Generally, umbrella policies cost between of additional liability protection. Homeowners policies also provide no-fault medical coverage. In the event that someone is injured in a policyholder’s home, the injured person can simply submit medical bills to the policyholder’s insurance company. In this way expenses are paid without a liability claim being filed. This coverage, however, does not pay the medical bills for the policyholder’s own family or pets. Additional Living Expenses This pays the additional costs of living away from home if a house is inhabitable due to damage from a fire, storm or other insured disaster. It covers hotel bills, restaurant meals and other extra living expenses incurred while the home is being rebuilt. Coverage for additional living expenses differs from company to company. Many policies provide coverage for about 20 percent of the insurance on a house. The coverage can be increased for an additional premium. Some companies sell a policy that provides an unlimited amount of loss-of-use coverage, but for a limited amount of time. Additional living expense coverage also reimburses homeowners who rent out part of their home for the rent that would have been collected from a tenant if the home had not been destroyed.

https://fastgujarat.in/gujarat-school-reopen-news-std-1-to-5/

Offices (Not Otherwise Classififed) Offices not otherwise classified and other types of office codes that may apply to this; Owner occupied office buildings. Common Insurance Terms Description of operations: Offices not otherwise classified can include a multitude of operations, such as managing production or delivery of goods or services, marketing, and bookkeeping. Property exposures are generally limited to that of an office, although there may be some incidental storage or an area for minor service work. In older offices, light to moderate exposures come from the large amount of paper used. In newer offices, there are often personal computers, photocopiers, and similar equipment. Ignition sources include electrical wiring, heating, and air conditioning systems, wear, and overheating of equipment. Computers and other electronic equipment may be targets for theft. Equipment breakdown exposures are typically moderate. Climate control is important for many businesses, and breakdown of the heating or air-conditioning units or computers may cause serious loss. Crime exposures include employee dishonesty and money and securities if receipts are collected in the office. The exposure increases in the absence of background checks and monitoring procedures. All job duties, such as ordering, billing and disbursing should be separate and reconciled on a regular basis. Receipts should be issued for any cash payments received. Bank deposits should be made on a timely basis to limit the buildup of cash on premises. Audits should be performed at least annually. Computer fraud may be a concern, not only directly to the insured, but also through identity theft of customers’ personal information. Inland marine exposures are generally limited to accounts receivable if the firm offers credit, computers, and valuable papers and records for clients’ and vendors’ information. Duplicates should be kept off-site to allow for re-creation in the event of a loss. Equipment or laptop computers off premises may be subject to theft or transportation losses. Premises liability exposure depends upon whether customers come onto the office’s premises or the firm’s employees visit or travel to the customer’s premises. If clients visit the premises, aisles must be free of debris and have flooring in good condition, no frayed or worn spots on carpet, and no cracks or holes in flooring. The number of exits must be sufficient and well-marked, with backup exit lighting in case of power failure. Parking lots and sidewalks must be in good repair, with snow and ice removed, and generally level and free of exposure to slip and falls. Off-premises exposures may arise from sales visits, training sessions, and similar work at the customer’s premises. There should be policies and training as to off-site conduct by employees. Professional liability exposure will depend on the type of services offered to clients. Any professional must have an appropriate license and proper certification. Automobile exposure is generally limited to hired and non-owned. If vehicles are provided to employees, there should be written procedures in place regarding the personal use by employees and their family members. All drivers must have appropriate licenses and acceptable MVRs. Vehicles must be maintained and records kept in a central location. Workers compensation exposure will depend on the actual work being performed. Since most work will be done on computers, potential injuries include eyestrain, neck strain, carpal tunnel syndrome, and similar cumulative trauma injuries that can be addressed through ergonomically designed workstations. Workers who travel off-site can be injured by slips and falls at clients’ premises or in automobile accidents. Minimum recommended coverage Business Personal Property, Business Income with Extra Expense, Employee Dishonesty, Accounts Receivable, Computers, Valuable Papers and Records, General Liability, Employee Benefits Liability, Umbrella Liability, Hired and Nonownership Auto Liability, Workers Compensation Other coverages to consider Building, Earthquake, Equipment Breakdown, Flood, Computer Fraud, Forgery, Money and Securities, Cyberliability, Employment-related Practices Liability, Business Auto Liability and Physical Damage, Professional or Errors and Omissions Liability, Stop Gap Liability Reprinted with permission from the Rough Note’s Company copyrighted content. Ready to give us a call? Speak with your live agent today!

https://harmonyinsuranceadvisors.net/offices-not-otherwise-classififed/

Among New Zealand’s 97,000(i) Not for Profit (NFP) organisations is a wide diversity of structures, employees and volunteers, and perhaps most importantly, causes supported. For these organisations to carry out their mission or purpose, financial resourcing is usually required, and for organisations to grow and expand their reach across the community, some level of financial reserves are a desirable starting point. To better understand the sector’s view and knowledge of financial reserves, BDO carried out a short online survey. The survey was designed to be answered within 60 seconds to ensure a high response rate. The responses to this survey are outlined further below, followed by a discussion of some of the key issues relating to financial reserves for NFPs which were explored in detail by several small focus groups across NZ(ii). We received 471 responses from a wide range of organisations across different groups, including social services, culture and recreation, and education/research. 70% of respondents represented organisations with turnover of less than $500k p.a. and only 30% had stable revenue streams, with the balance a mix of volatile (22%) and somewhere in between (47%). It was pleasing to note that 94% of all responses received regular financial reporting on both the performance and position of their organisation. Do you know if your organisation has a Financial Reserves Policy? Over half of the organisations surveyed knew if their organisation had a policy in place. This represents a good level of understanding within the sector, however, it also suggests there is still room for improvement. Do you clearly understand how your organisation’s reserves will be utilised in future? Almost three quarters of respondents clearly understood how their reserves would be utilised in the future. The response rate to this question shows a clear link to many of the respondents having knowledge of a financial reserves policy and almost all of them receiving regular reporting on their organisation’s financial performance and position. Do you believe your organisation currently holds too much in reserve? Only 3% of organisations believed they held too much in reserve, and 4% didn’t know. Overall the answer to this question indicates that most organisations do not believe they have sufficient reserves. This is perhaps an unsurprising result as many would argue they could always use additional funds to further their cause. Is your organisation’s revenue stream volatile or stable? An organisation with a stable revenue stream is usually able to plan for future events with more certainty than one with volatile revenue. This in turn, has an impact on an organisation’s reserve policy and planning. On the other hand, an organisation with volatile revenue may be focussed on building a significant contingency reserve to cover down-turns in future revenue while still providing their community outputs. However, such an organisation may find it difficult to set these funds aside, as they struggle to meet their day-to-day commitments. What are Financial Reserves and why are they important for NFP’s? In broad terms, financial reserves represent an accumulation of prior year surpluses. For a NFP organisation, it is critical that reserves are carefully managed, balancing the need for a sufficient contingency fund with achieving the organisation’s mission. Reserves may be shown separately in financial reports as contingency funds, asset replacement reserves, tagged funds, sinking funds, and accumulated funds, just to name a few. Once in place, reserves may allow an organisation to weather unexpected financial disasters, replace capital items as required, make investment decisions, deal with the outcomes of unexpected income tax audits (for those organisations that are liable for income tax), and to run one or several years deficit budgets in order to achieve a non-financial outcome. Cash vs Net asset reserves For an organisation that holds only one asset (cash) and has no liabilities, their bank balance shows their reserve level. However, most organisations also hold other assets and have obligations or liabilities to satisfy. For these organisations, the bank balance does not necessarily equate to the value of reserves, as measured by deducting total liabilities from total assets (net assets). Therefore, in designing a financial reserves policy, it is useful to distinguish between cash and net asset reserves. Particularly where an organisation has tagged funds or is building reserves for a special project, it may be useful to hold the same amount as cash in a separate bank account, although this may not always be feasible. It is also worth considering the potential impact on reserves of vehicle and property operating leases which are not included on the balance sheet. Should the organisation face a wind-up scenario, these items represent very real liabilities in the sense that contractual early termination clauses are likely to impose costs to cancel the arrangement. Understanding your organisation’s key supplier contracts and their terms is an integral part of setting a financial reserves policy. When is enough, enough? Based on the results of our survey, the overwhelming majority of respondents did not believe their organisation held too much in reserve. While many organisations could find ways to further their cause with access to more reserves, the reality is that after a certain point, there is a diminishing return on each dollar spent as a cause/community becomes saturated. Each organisation will have a different level of what they believe to be an ‘excess’ of reserves. A well-crafted reserves policy could guide decision makers of an organisation on possible next steps, should a position of excess reserves be achieved. Minimum and target reserve levels Setting a minimum net asset reserve level, signals a Governing Board’s clear direction to the management of the organisation. The minimum level a Board chooses will reflect the scale of their organisation, and also the Board’s risk appetite. The minimum may be simply made up of a contingency amount which the Board deems suitable to cover unexpected operating events. It may also include an asset replacement amount. Regular monitoring of actual reserves against this minimum allow a Board to easily gauge whether Governance intervention is required. When a minimum level is breached, or comes close to doing so, a financial reserve policy could specify what action the Board expects of management. For example, a written explanation to the Board summarising why the breach occurred and what action will be taken to remedy the level of reserves within a set time frame may be a requirement of the policy. An organisation may also wish to set a target level of reserves. The target may be the same as the minimum level, but in most situations is usually a higher figure. The target level is likely to be made up of a contingency amount, an asset replacement figure, and allowance for any special projects. Once the target level of reserves is exceeded, an organisation would need to carefully determine what value was obtained by building up further reserves. Link with non-financial metrics and mission/purpose Being able to link your financial data with non-financial measures allows for compelling story telling to interested stakeholders. Reserves are a key part of the financial data, but when viewed in isolation do not convey to the reader the full story. However, when read alongside the non-financial metrics of an organisation, a convincing and coherent narrative can emerge. Some of the questions that could be asked during this linking process include: - Does the reserves story you are currently telling grab the imagination? - Is it inspiring, while being strategic? - If you were a funder/donor, would you give money if you were presented with that story? A visual narrative within the annual report, such as a reserves thermometer, could be one way to graphically display this information. Personalised stories about the impact of a particular project could also be incorporated. Developing a financial reserves policy In determining an appropriate level of reserves for your organisation, it can’t be emphasised enough that no one figure or percentage will suit all organisations – it’s important to keep this in mind when developing a policy. We recommend that a reserves policy forms part of an entity’s internal financial policies and delegations. A policy should be reviewed at least annually and may cover the following aspects: - Purpose of the policy - Definition of key terms - A clear link between the organisation’s mission/constitution and it’s financial reserve requirements, along with links with other key finance and investment policies - Specifications of the various reserve categories including their minimum and target levels e.g. Contingency Reserve, Asset Replacement Reserve, Special Projects Reserve. Including also whether the reserves are described in dollar terms, or as a percentage (if percentage, of turnover or expenditure?) - Criteria for use of the reserve(s) - Monitoring of and reporting on key criteria (and who is responsible for doing so), including trigger points for breach of minimum levels For an organisation that is in a start-up phase, the Reserve minimums are likely to be aspirational and could be reviewed more regularly, perhaps six monthly, to ascertain feasibility over the first one to two years. The policy should also be flexible enough to accommodate any significant increases or decreases in the organisation’s turnover or expenditure, for example, when a large bequest is received. This flexibility may be achieved by stating that if such an event occurs, the policy will be reviewed within a short time frame, rather than waiting for the next annual review date. Contingency reserves to cover unexpected operating costs and potential wind-down expenditure have been set by organisations across the country using a range of methods. The most popular method uses reference to a number of months of operating expenditure, ranging from 3-12 months, to help establish a minimum figure. Implementing a financial reserves policy Once the policy is developed, it needs to be implemented and the outcomes monitored. Some key considerations around this process include: - Board members should have a good understanding of the policy and be able to tell the story of why the funds are there or being built up - A regular review of reserves and the policies surrounding them - Regular financial reporting to management and the Board, which incorporates actual reserves and tracking to minimum and/or target levels. This may be most effectively achieved in a graphical format and reporting could be aligned around key funding calendar dates - Plan to accumulate funds – what financial strategies will be pursued to achieve this, and what level of risk is acceptable to your organisation? We present three fictionalised case studies to illustrate some of the benefits of clearly defining a financial reserves policy. Incorporated Society XYZ Incorporated Society XYZ is a small organisation that relies on membership funding to meet its running costs. In 2014, a basic financial reserves policy was implemented. It covered a contingency reserve of $20,000 (to cover three months of operating costs) and an asset replacement reserve to upgrade the website of $10,000. In 2015, the minimum total reserve level of $30,000 was met. Tertiary Institute ABC Tertiary Institute ABC has grown its reserves steadily over the last five years through prudent management of the budget. In 2013, a contingency target reserve of $250,000 was set, along with a building target reserve of $100,000 for a new building. That level was achieved in 2015. In 2016 the financial position of the entity is significantly different to that of 2013, so it is important that the reserves policy is revisited and updated in line with any changes to the long term strategic direction. Having a policy in place has helped focus the governing body as they achieved surpluses over a three year period and were able to clearly explain to stakeholders why they pursued this result. Regular reporting on the target also prompted a change in mind-set from day-to-day survival to a longer term view of the entity’s finances. Registered Charity 123 Registered Charity 123 has enjoyed a healthy reserve balance over a number of years, however, no formal reserves policy has ever been implemented. After putting a policy in place in 2016 Board members now have a guide to assess the answer to a question many of them had often pondered but never discussed; are the organisation’s reserves employed to best use? Understanding that after allowing for contingencies, asset replacement, and special projects, a significant balance was leftover helped focus a strategy around donating a portion of the excess reserve balance to a complementary charity serving the same local community. Telling a convincing, transparent story about the work your organisation does to funders, donors, and other stakeholders will likely require some financial data, in particular your organisation’s level of reserves. A financial reserves policy can provide a framework for internal decision making and externally, as a point of reference to support funding applications and donor appeals. For more information please contact your local BDO adviser. (ii) A focus group was held in the BDO Wellington office in August/September 2016, and were attended by a range of stakeholders, including charities, funders, industry bodies, and public sector representatives

https://www.bdo.nz/en-nz/insights/not-for-profit/not-for-profit-reserves-survey

Drivers urged to beware of this post-lockdown insurance scam Data released by Action Fraud shows sales of fake car insurance doubled in July 2020 as restrictions eased from the first national lockdown and there are fears this pattern could now be repeated. As drivers get back on the road, so-called ghost brokers are using online platforms and social media to offer amazingly cheap insurance deals, preying on vulnerable victims such as newly qualified drivers who regularly face huge premiums. Unfortunately for the victims these deals really are too good to be true and will leave them uninsured and out of pocket. The scammers claim to act as a broker to arrange cheap car insurance on behalf of their victim. They then either don’t take out a policy, take out a policy using fake details or take out a policy then cancel it. In every case the victim is left with faked or worthless insurance documents. They are also left at risk of a fine and prosecution for driving without valid insurance. Stephen Dalton, head of intelligence and investigations at the Insurance Fraud Bureau, said: “As drivers get ready to return to the road from lockdown, it’s sadly possible more people could get deceived by unrealistically cheap and fake car insurance deals. “It’s essential consumers make basic checks when buying car insurance, so they know it’s real and it won’t risk costing them their freedom to drive. If anyone has seen evidence of insurance fraud, they should report it to our confidential Cheatline as soon as possible, and we can work with the authorities to stop the scam.” “There are easy ways for consumers to check if a car insurance deal is genuine. If buying through an insurance broker consumers can check the seller is registered with the British Insurance brokers’ Association (BIBA). If buying directly through an insurer they should appear as a registered member of the Motor Insurers’ Bureau (MIB). Checks can also be made to see Insurance Advisors are registered with the Financial Conduct Authority (FCA). Evidence of an insurance scam can be reported to the Cheatline (powered by Crimestoppers) on 0800 422 0421 or via the IFB Cheatline.

https://www.bucksherald.co.uk/lifestyle/cars/drivers-urged-to-beware-of-this-post-lockdown-insurance-scam-3243786

In this article: Making on-time payments on your car insurance policy is important, but not necessarily for reasons related to your credit score. While your credit history can impact how much you pay for car insurance, being late to make a payment on your policy won't damage your credit score. Does Car Insurance Appear on Your Credit Report? Car insurance companies don't report your premium payments to the credit bureaus, so your policy doesn't appear on your credit report. As with other types of accounts such as utilities and medical bills, however, your insurer may send an unpaid balance to a collection agency if you stop paying your bill. At that point, the debt collector will likely report the account to the credit bureaus, which can hurt your credit because it signifies that you didn't pay your bill as agreed. Instead of reporting late payments or sending a bill to collections, though, insurance carriers may simply cancel your policy. That's not to say you can feel free to skip your car insurance payment if you don't want to pay it. If your coverage lapses due to non-payment—or for any other reason—it can result in higher insurance premiums in the future. Since insurance policies don't usually show up on credit reports, your credit score is probably safe from damage if your insurer doesn't send the account to collections. Other things that won't show up on your credit report include: - Marital status - Bank account information - Level of education - Criminal records If you want to get a better idea of what's on your credit report, you can check your Experian credit report for free. Does Your Credit Affect Insurance Rates? While your car insurance policy will never impact your credit score, the opposite may be true. According to the National Association of Insurance Commissioners, 95% of auto insurance carriers use what's called a credit-based insurance score to calculate premiums in states where the practice is allowed. States that prohibit or limit the practice of using credit information in insurance include California, Hawaii, Maryland, Michigan and Massachusetts. Additionally, Washington state has banned insurance carriers from using credit scores to set policy premiums through 2024, and Utah and Oregon have prohibited using credit histories for setting rates in certain situations. Even in states where there aren't such limitations, insurance companies typically can't use a credit-based insurance score as the sole basis for increasing rates or for denying, canceling or refusing to renew a policy. As a result, having good credit can help when you're shopping for a new insurance policy or when your insurance company renews your policy. The opposite is also true. While a low credit score alone may not be enough to cause a premium hike, it can have that effect if there are other factors at play. Check Your Credit for Opportunities to Improve Having good credit is important not only for when you need financing but also for your insurance policies. Take some time to check your credit score and review your credit report to get an idea of where you stand and also to spot areas of your credit file that need to be addressed. There are three credit reporting agencies that you may check your credit score and history. Depending on what you find, be proactive about making the necessary changes to your credit habits to increase your credit score. Potential options include: - Getting caught up on past-due payments and making all your payments on time going forward. - Paying down credit card balances to reduce your credit utilization. - Filing a dispute if you find information on your credit report you believe to be inaccurate. - Avoiding applications for new credit unless you absolutely need it. - Keeping old credit card accounts with positive histories open, even if you no longer use them. - Asking a loved one to add you as an authorized user on their credit card account. As you work on building your credit, it's also important to watch out for potential inaccuracies or even fraud. With Experian's free credit monitoring service, you can view your FICO® Score and Experian credit report for free and also get real-time alerts when changes are made to your credit report. Regardless of how you approach building your credit history, the key is to be proactive and consistent with your efforts to maintain momentum for long-term success.

https://www.experian.com/blogs/ask-experian/does-car-insurance-affect-my-credit-score/

Affordable Auto Insurance in Northern Virginia Getting into a car accident truly makes someone appreciate the value of auto insurance. The state of Virginia requires that individuals possess basic liability insurance at minimum, as this shelters you from being accountable for damages or injuries you cause to others in an accident. At HIS Insurance, you can find everything from the most basic policies to specialized packages, all at fluctuating stages of coverage. HIS Insurance’s auto insurance packages offer personal injury protection that can cover approximately 80 percent of your medical expenses. We also offer coverage that will defend you from under-insured and uninsured drivers. Being aware of all your insurance possibilities and choosing the right coverage can save you money and help safeguard you and your loved ones in case of an accident. Are you struggling to find the most inexpensive prices on auto insurance near you? We know that sometimes choosing the most efficient insurance policy can be quite challenging. How can you find out what kind of coverage will fit your lifestyle? You may also be concerned about finding an insurance agent who is welcoming, qualified and attentive. HIS Insurance organizes all auto insurance policies on one convenient, user-friendly website. Here you will also find a simplified version of the insurance process. We will make sure you find the ideal insurance policy at the appropriate price, regardless of the kind of insurance you require. Our quotes are free and accessible, at no commitment to you.

https://www.his-insurance.com/

Many businesses offer employee benefits such as health insurance. They can do that through a group benefits deal from their insurance company. Group benefits insurance is helpful for the employer, the employees, and the insurance company in many ways. Importance of group benefits insurance for employers: There are several benefits that the employer gets when offering a group benefits package to their employees. Companies with group insurance show they care more about their employees and attract more potential workers than similar companies that don’t offer group insurance. Employees are more productive, knowing their employer cares for them through their work and benefits. This benefits the employer because confident and happy employees are more productive, which makes the business more money. Importance of group benefits insurance for employees: Group benefits insurance has a cheaper premium than individual insurance because there is less risk for the insurance company. Paying less for your premium helps save money while still having the needed coverage. There is less to worry about when you don’t have to worry about the cost of insurance and whether a family member will need medical care. Getting group benefits is easier than buying an individual policy and the cheaper premium. Importance of group benefits insurance for the insurance company: Insurance companies prefer group benefits because there is less risk involved with a larger group of people. They still get the premiums but have less of a chance of needing to pay out for a claim. For more information about group benefits insurance, contact us or visit us at Insure It All in Idaho Falls, ID.

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

Insurance Needs to Go Mobile in 2015 Start saving money on Life insurance today While our smartphones and tablets are becoming ever more sophisticated, with new models and operating system versions emerging on a monthly basis, we can’t help but feel that the insurance industry isn’t doing enough with mobile technology. And so, let’s explore why 2015 should finally be the year when mobile technology is embraced by the insurance industry… Insurance Professionals Need Tablets For too long, many insurance professionals visiting case sites have had to depend on their laptops for doing their jobs. Among insurance companies with large budgets, it makes no sense that tablet devices are not more prevalent. Compared to a laptop, a tablet is a handheld device that can be accessed almost instantly, which would prove invaluable while visiting claimants. Instead of waiting patiently for a laptop to load, insurance professionals could simply pull out a tablet device to take photos and record footage, after which accompanying notes can be typed or even dictated. Furthermore, the 4G capabilities of tablet devices will provide instant to access any records required while out in the field, whereas laptops require Wi-Fi. Basically, tablets have the potential to dramatically improve the efficiency of claims investigations Along with working on claims, mobile devices would also be valuable for insurance brokers, who would be able to present quotes when not at their computer or laptop. For instance, they could share insurance quotes with clients and customers before a meeting had even ended. By sending out a quote while still in the presence of a client, they would then have the ability to provide any feedback and quickly negotiate any changes, helping to speed up the quotation process for brokers. Improved Communication with Consumers Whether in the B2C or B2B sectors, consumers and organisations are the lifeblood of the global insurance industry. Therefore, it is always worth considering how to improve the consumer experience. After all, greater satisfaction will breed loyalty between policyholder and provider, and who wouldn’t want that? Across a multitude of industries, we have seen how mobile technology has created revolutionary new communication methods. Nowadays, the tech-savvy consumer has the ability to contact a company by phone, text, email, instant messages, Facebook, Twitter, and other social media platforms. Armed with a wealth of communication methods, insurance companies can now engage with consumers in responding to their queries. Rather than leaving them waiting with a repetitive telephone jingle blaring obnoxiously, companies can communicate with consumers on a timescale they’re comfortable with. Phone conversations can be reserved for any serious issues. Communication is key to consumer satisfaction, and mobile can help in 2015, but there is another pivotal way in which mobile can make a difference. Mobile Would Streamline Claims As outlined in the section for insurance industry professionals, mobile devices have incredible potential for being used in the claiming process, and it’s the same for consumers. Leading insurance companies need to start investing in the development of user-friendly mobile insurance apps that are entirely focused on claims. By entering your account information in the app, you would have the freedom to start a claim almost immediately after an incident occurs. Just imagine being able to quickly document photographic evidence of car or home damage and then having the ability to submit them via a mobile app to your insurance company. Another major advantage is that vital accident details would be fresh in your mind, and could be noted down in the app. Rather than waiting for forms to arrive, mobile technology would allow for consumers to get on with their claims instead of waiting in frustration. From companies to consumers, a complete embrace of mobile technology would transform the insurance industry in 2015.

https://www.mykeymaninsurance.com/insurance-needs-go-mobile-2015/

Insurance, both in its life and non-life forms, plays an essential role in safeguarding individuals, businesses, and assets from unforeseen risks and financial burdens. This article delves into the intricacies of the Life and Non-life Insurance Market, providing insights into its current market outlook and the prevailing trends shaping the industry. The Global Insurance Landscape The global insurance market has long been a cornerstone of the financial services sector, offering peace of mind to individuals and businesses by providing financial protection against various risks. It encompasses two primary segments: life insurance and non-life insurance. Embracing Change and Innovation Several trends are reshaping the life and non-life insurance markets: - Digital Transformation: Insurers are leveraging technology to offer convenient online platforms for policy issuance, claims processing, and customer service. Artificial intelligence and data analytics are used to assess risk and improve customer experiences. - Personalization: The industry is moving towards more personalized insurance solutions. Data analytics and IoT devices enable insurers to tailor policies to individual needs and behaviors. - Sustainability and ESG: Many insurers are integrating sustainability and ESG criteria into their investment portfolios and product offerings. This trend aligns with consumer preferences for responsible and ethical companies. - Telematics and Usage-Based Insurance: In the non-life insurance sector, telematics-based policies that monitor driving behavior are becoming more popular, offering lower premiums to safe drivers. - Parametric Insurance: This innovative approach pays out based on predefined triggers, such as weather conditions or seismic activity. It simplifies claims processing and provides quicker payouts, particularly for natural disasters. - Cyber Insurance Expansion: As cyber threats continue to evolve, the demand for cyber insurance is expected to surge. Insurers are enhancing their cyber coverage offerings to address this growing risk. - Collaborations and Partnerships: Insurers are increasingly collaborating with insurtech startups and technology companies to innovate and stay competitive. These partnerships drive product development and digitalization efforts. Life Insurance Market: The outlook for the life insurance market remains positive, with several key factors driving growth: - Population Aging: As the global population continues to age, there is an increasing demand for life insurance products. People seek to secure their families’ financial well-being and ensure a comfortable retirement. - Wealth Accumulation: Life insurance policies often serve as a means of saving and wealth accumulation, making them attractive for individuals looking to build financial assets over time. - Health Insurance Integration: The integration of health insurance with life insurance policies has gained traction, offering comprehensive coverage for policyholders and their families. - Digital Transformation: The industry is undergoing a digital transformation, with insurers adopting technology to streamline operations, offer personalized policies, and enhance customer experiences. - Sustainability: Many insurance companies are increasingly offering products that adhere to environmental, social, and governance (ESG) criteria, addressing the growing demand for sustainable and responsible investing. In conclusion, the Non-Life Insurance Market is a resilient and ever-evolving industry, adapting to changing consumer needs, technological advancements, and global challenges. The outlook for both segments remains positive, with growth potential in various areas. As insurers continue to embrace innovation and respond to evolving trends, they will play a vital role in safeguarding the financial well-being of individuals and the sustainability of businesses in an uncertain world.

https://www.newyorktimesnow.com/unveiling-the-dynamics-life-and-non-life-insurance-market-trends/

This issue of ProNetwork News is meant to serve as a basic reference guide to the liability insurance coverages typically purchased by design firms. Let’s start with a key definition. CLAIMS-MADE vs. OCCURRENCE Most liability policies are written on an Occurrence policy form. Coverage is triggered on the date of the “occurrence” (defined as an accident, including continuous or repeated exposure to substantially the same general harmful conditions, causing damage). A claim asserted against the insured may be brought well after the occurrence. In contrast, professional liability claims are often brought many years after an alleged act, error or omission. Insurance companies had to evaluate their exposures and better determine the premium necessary to cover such risk, so the Claims-Made policy form was created. The coverage trigger is the date the claim is made, and coverage applies only to alleged wrongful acts that happened after the retroactive date of your policy. Once the policy is canceled or not renewed, all coverage will cease. Today, virtually all professional liability policies are provided on Claims-Made forms. In order to establish coverage, three conditions must be met: - a policy must be in place at the time a claim is made - the “retroactive” or “prior acts” date on the policy must be dated at least as far back as the services giving rise to the claim were provided - notice must be provided to the insurer within the policy term or during a specified grace period The advice of your insurance advisor is essential when reviewing Claims-Made policies with respect to mergers, acquisitions, splits and retirement. This has been an excerpt of the May 2013 issue of ProNetwork News. The newsletter goes on to deal with all types of liability coverage, including Professional Liability Insurance, Commercial General Liability Insurance, Owners and Contractors Protective Liability Insurance, Workers’ Compensation and Employers Liability Insurance, Umbrella Liability Insurance, Employment Practices Liability Insurance, Directors and Officers Liability Insurance, and many more! Download the full PDF version of the newsletter here. Continue reading “Insurance 101: The Things You Always Wanted to Know About Liability Coverage But Were Afraid to Ask”

https://aepronet.org/tag/insurance-policy/

Security professionals are trained to prevent incidents and protect assets, but the unexpected can still occur. That's where security guard insurance steps in to cover liabilities and risks specific to this line of work. If you operate in the security industry in Dallas-Fort Worth, Arlington, & Keller, TX., it's crucial to protect yourself. For more details, call us at 817-719-2613. Security guards and private security firms are exposed to various risks, from physical altercations to negligence claims. This makes comprehensive insurance coverage not just an option, but a necessity. Call 817-719-2613 for a consultation. Security guard and private security insurance packages usually cover a variety of claims, such as: Given the diversity of security operations, there's no one-size-fits-all policy. Coverage depends on the services you provide, your client base, and your operation size. To find a policy that fits your needs in Dallas-Fort Worth, Arlington, & Keller, TX., call us at 817-719-2613. With Burdick Insurance Agency, you get personalized, effective insurance solutions. We've been serving the security industry in Dallas-Fort Worth, Arlington, & Keller, TX. for years and know the specific needs and risks associated with this line of work. Don't wait until it's too late; reach out to Burdick Insurance Agency at 817-719-2613 for comprehensive security guard and private security insurance. Ready to take the next step? Complete our online quote request form.

https://insuredfw.com/business-insurance/security-guard-insurance/arlington-keller-tx

Frequently Asked Questions What are the main highlights of the premium sandbox policy? The premium sandbox policy enables: - Ease of use: Automatic sandbox refresh. - Predictability: Sandbox environments are refreshed twice a year on specific dates. When is the premium sandbox refreshed? - Two refreshes a year, in February and August - The refreshes are scheduled for the Sunday after the Alma release on production environments. - As we start preparing in advance for the refresh, please stop making any changes on the Wednesday (end of day) prior to the refresh. Can I choose my own institution’s refresh date? Refresh dates are predefined for all customers. Customers cannot choose their own refresh date. What happens to my sandbox data and configuration upon refresh? Upon refresh, data and configurations are replicated from the production environment to your premium sandbox. This also applies to institutions working with a Network Zone. How is the semi-annual indexing handled in the premium sandboxes? The search indexes in the premium sandbox environments are updated as part of the semi annual refresh which takes place in February and August. The process that updates the production environment is responsible for updating the production indexes, which takes place during January and July respectively, ensuring that the sandbox environments have up to date indexes when refreshed. How are passwords stored for users in a premium sandbox? The passwords for users in premium sandbox instances are stored separately in the Ex Libris Identity Service. You can set the password for an internal user in a premium sandbox using the same methods available in Alma production instances, for example, by sending the user a change password email or by changing the password directly in the user's profile. Changing the password for users in the premium sandbox does not affect passwords in production instances. What happens to passwords of internal users after the refresh of a premium sandbox? Passwords for internal users are stored in the Identity Service and not in the Alma database. When you log in to the premium sandbox for the first time as an internal user, you will have to reset your password using the reset password link. Once the password for a premium sandbox internal user has been set, it will not be reset by a sandbox refresh. Can we have a premium sandbox for Alma and a standard sandbox for Primo? The Primo and Alma sandboxes must be either both premium or both standard. We are a group of 20 institutions working with a Network Zone. Can we purchase 10 premium Alma sandboxes and 20 Primo VE premium sandboxes? No. Since Primo VE is a cloud-based discovery tool that is running on the Alma cloud platform, the Alma and Primo VE premium sandboxes must be aligned. The number of Alma and Primo VE premium sandboxes must therefore be the same. We are a group of 20 institutions working with a Network Zone, but have only 10 premium Alma and Primo VE sandboxes. Can the remaining institutions test their Primo VE patron-facing interface before releasing it on production? The remaining member institutions that did not purchase premium Alma and Primo VE sandboxes will be able to test their Primo VE views within their preview sandboxes (for testing search functionalities, requests, and so forth). The data of the preview sandbox will be copied from the institution's production setup and data. However, they will not be able to make configuration changes unless they purchase premium sandboxes. We are a group of 20 institutions working with a Network Zone, but only 10 member institutions have an Alma premium sandbox. With this new policy, can we get premium sandboxes for all our member institutions? There is no limit to the number of premium sandboxes that you can order. All member institutions working with a Network Zone can obtain a license for the premium sandbox.

https://knowledge.exlibrisgroup.com/Alma/Product_Materials/050Alma_FAQs/General/Sandboxes%2C_Topology/Ex_Libris_Premium_Sandbox_Policy

The NoFraud plugin can be found by navigating to Admin > Plugins > Fraud Services. Click the green Activate button. Enter the ApiKey from your NoFraud account Choose to optionally screen repeat customers Click the green Connect button Go to CRM > Campaigns and edit any campaign on which to screen with NoFraud. Check the box and press Update. New orders on this campaign will be screened automatically. New sales will be approved or rejected by NoFraud. NoFraud may also place an order in Review status. An order in Review will be authorized at the gateway and then captured if the Review is approved. All reviews must be done in NoFraud. Login to your NoFraud account to evaluate. The Review process requires a webhook to be setup with NoFraud. The webhook allows the transaction to be finalized (captured) in Konnektive. In Konnektive go to Admin > Plugins > Fraud Services. Edit the NoFraud plugin. Copy the webhook url. Submit this to NoFraud and request that a POST webhook be created to that url. Specify that the POST message must have transactionId (NoFraud’s id) and status (pass, fail, fraudulent) in the body.

https://konnektive.atlassian.net/wiki/spaces/KCKB/pages/2380267521/NoFraud

Our aim was to compare infarct core volume on whole brain CT perfusion (CTP) with several limited coverage sizes (i.e., 3, 4, 6, and 8 cm), as currently used in routine clinical practice. In total, 40 acute ischemic stroke patients with non-contrast CT (NCCT) and CTP imaging of anterior circulation ischemia were included. Imaging was performed using a 320-multislice CT. Average volumes of infarct core of all simulated partial coverage sizes were calculated. Infarct core volume of each partial brain coverage was compared with infarct core volume of whole brain coverage and expressed using a percentage. To determine the optimal starting position for each simulated CTP coverage, the percentage of infarct coverage was calculated for every possible starting position of the simulated partial coverage in relation to Alberta Stroke Program Early CT Score in Acute Stroke Triage (ASPECTS 1) level. Whole brain CTP coverage further increased the percentage of infarct core volume depicted by 10 % as compared to the 8-cm coverage when the bottom slice was positioned at the ASPECTS 1 level. Optimization of the position of the region of interest (ROI) in 3 cm, 4 cm, and 8 cm improved the percentage of infarct depicted by 4 % for the 8-cm, 7 % for the 4-cm, and 13 % for the 3-cm coverage size. This study shows that whole brain CTP is the optimal coverage for CTP with a substantial improvement in accuracy in quantifying infarct core size. In addition, our results suggest that the optimal position of the ROI in limited coverage depends on the size of the coverage.

https://pure-accept.eur.nl/en/publications/whole-brain-ct-perfusion-in-acute-anterior-circulation-ischemia-c

Insurance Fraud: a big and growing problem From fake car crashes to bogus medical bills, South Carolina leaders say insurance fraud is a growing problem in the state. Attorney General Alan Wilson said in a recent speech that South Carolina is 7th in the country for the number of staged car accidents. “Yet we’re dead last — we’re dead last — in the resources that we put there,” he added. Here’s why you should care: It affects your premiums. Insurance fraud costs Americans billions of dollars each year. Not only does fraud cause higher insurance rates, but it also raises taxes and inflates prices for consumer goods. With financial strains, even law-abiding citizens are tempted to commit insurance fraud. Ask any claims investigator or personal injury attorney in the Charleston, S.C., area and they will tell you that their workload is increasing. More people are making insurance claims then ever before, looking for that fast cash settlement. For example: - The “slip and fall” case where the person is not injured but files an injury claim anyway. - The non-injury “fender bender” accident that is thought of as a blank check by some claimants. Let us be your eyes and ears With 20 years of experience in assisting insurance companies in the Charleston area, we provide the insurance industry with critical field support for evaluating insurance claims: - We locate witnesses quickly using many databases and resources not available to the public. Our turnaround time is fast. - We obtain written or recorded statements, providing a foundation for litigation. - When there is doubt about claimants’ credibility, we will investigate and document their activities using video. Many times this evidence can be used to negotiate a settlement in the client’s favor before the trial even starts. - We can perform a Social Media background investigation, because sometimes the claimant proves your case all by themselves. - In the event a claim ends up in a civil trial, you will have our documentation in hand to support your case. It is our job to help you determine the honesty of a claimant, and sometimes there is only one opportunity to get that statement or photo. We know how to make the most of that opportunity by asking the right questions at the right time. Hire us when it’s time to know the truth.

https://trackerinvestigations.com/insurance-fraud-investigation/

All owner-operators and trucking companies must carry commercial auto insurance with adequate liability coverage. This insurance helps protect the owner-operator or motor carrier from liability lawsuits if the truck driver causes an accident resulting in third-party injuries or property damage. Contact us today to learn more about the commercial truck insurance your organization needs and get a personalized quote. Why Do Truck Drivers Need Commercial Truck Insurance? Federal law requires motor carriers and owner-operators to purchase public liability insurance for their DOT-regulated commercial motor vehicles. However, regardless of DOT regulations, most states require all tractor trailers to have commercial auto coverage, even for leased units. Your options for commercial truck depend on the needs of your trucking business, the truck driver and the type of goods you haul. Commercial Trucking Insurance Coverage We are proud to represent a wide range of insurance companies that have sound financial rankings with A.M. Best, Standard & Poor, and other top-ranking services. The insurance companies have made solid pledges to the motor carrier industry. These companies have become an essential part of our success because of what we provide. We offer specialized programs and coverages, loss control systems, and claims procedures to meet the obligations of our clients. What Types of Commercial Truck Insurance Are Available ? Aggregate and combined deductibles General Liability: $1,000,000 Occurrence: $2,000,000 Aggregate Occupational Accident Coverage Get the Trucking Insurance You Need Today Contact us today to learn more about how insurance can help provide financial protection for your trucking operation and to get a quote for truck insurance.

https://www.allcoveredagency.com/coverage/trucking/

When you own a building of any kind, you may need to obtain a building ordinance. This type of ordinance is a kind of insurance that covers some of the increased costs that occur when repairing a building that has been damaged. The main reason that these extra costs occur is because the local building code has changed since the building was first constructed, which may require additional construction. Older structures may require better roofing materials, heating, or electrical wiring. Law coverage offers the same type of coverage that’s available with building ordinance coverage. The purpose of these types of insurance is to make sure that you aren’t required to pay much more money than anticipated when making repairs to your building because of new building code. There are three components of building ordinance coverage, all of which are important to make sure that any unexpected cost is covered. This article provides a detailed explanation of building ordinance or law coverage, which should give you an idea of how important this insurance is as a property owner. Ordinance or Law Exclusion Overview When your building is damaged in any way, the repair costs may be much higher than you expected. Local building codes are updated on a regular basis, which usually involve the building requirements becoming stricter. In the event that a building that’s 20 years old is significantly damaged, the repair work will need to adhere to modern building code as opposed to the requirements that were expected to be met when the building was first constructed. When older structures have been damaged, the repair work may need to include everything from the installation of modern plumbing units to the installation of new electrical wiring. These costs can quickly spiral out of control if the damage is more severe, which is why building ordinance or law coverage is highly recommended. If you’re trying to purchase building ordinance or law exclusion coverage, keep in mind that this type of insurance isn’t usually provided with a basic insurance policy. Instead, it must be selected as an endorsement of the policy that you’ve already purchased. An endorsement is an amendment to the policy that you already have. While there are some policies that will include a small amount of building ordinance coverage, you can purchase an endorsement that expands your coverage. The cost for building ordinance or law coverage can vary substantially and depends on the exact amount of coverage that you would like to obtain. These costs will be reflected in the monthly premium that you pay for your standard insurance policy. This type of coverage can be highly valuable in the event that serious damage occurs to your building. In accordance with Los Angeles building codes, when 50 percent or more of a building has been damaged, it will need to be demolished entirely before being rebuilt to meet current code. Having your building demolished and repaired entirely will cost a lot of money. While the basic insurance policy for your building may coverage anywhere from 50-70 percent of repairs for the damage that has been done, building ordinance or law coverage will cover any demolishing that needs to be done as well as 100 percent of the rebuilding costs that are necessary for your structure. Even if your building doesn’t need to be demolished, the cost of repairs may be significantly higher than you believe. Older structures that have been damaged in some way may require upgrades to fencing, plumbing units, roofing, venting, heating, and air-conditioning units. When you purchase this type of coverage, you’re able to better protect against unforeseen expenses that can occur when fixing severe property damage. ABCs of Building Ordinance Coverage There are three aspects of building ordinance coverage that you should be aware of, which include: - Coverage A: Coverage for loss to the undamaged portion of a building - Coverage B: Coverage for the cost of demolition - Coverage C: Coverage for the increased costs of construction. Coverage A: Coverage for Loss to the Undamaged Portion of a Building This facet of building ordinance coverage kicks in when a building has been partially damaged but must be demolished entirely in accordance with the local building code. This coverage will extend to the loss in value of the portion of the building that remains undamaged but needs to be demolished anyways. Coverage B: Coverage for the Cost of Demolition Coverage B involves the cost of demolishing the building and clearing the work site of any portions of the building that have remained undamaged. Coverage C: Coverage for the Increased Costs of Construction Coverage C covers the entire costs of repairing and reconstructing the portions of the building that have been damaged. It also provides coverage for remodeling and reconstructing areas of the building that haven’t been damaged even if a demolition isn’t required. When you purchase this type of insurance to act as an endorsement for your primary insurance policy, it’s important to understand that you will have the ability to set limits with the policy, which dictates what the insurance provider will pay out when your building is damaged. Higher limits invariably come with higher premiums. When looking specifically at coverage A, it’s automatically included in the limit of insurance that directly comes with your building. This limit refers to the amount that the insurer will pay to replace or repair the building. The set limit for coverage A can vary and depends on what the insurance provider places the limit at. With coverage B and coverage C, you can set your own limits for the policy. While you can purchase a limit for each specific type of coverage, it’s also possible to purchase a combined limit that applies to both coverage types. The limits you choose depend on how much you want to pay for your insurance policy. Keep in mind your insurance provider will only cover certain perils that have caused the damage to your building. If a covered peril caused 60 percent of the damage to your building, only this aspect of the damage will be covered by your insurance provider. What Causes Building Ordinance Coverage? There are many triggers that cause building ordinance coverage to kick in. These specific triggers include: - The loss or damage is caused by a peril that’s covered via the insurance policy - The damaged building doesn’t meet current local building codes - The loss goes past the major damage threshold, which is set by each jurisdiction When looking at the major damage threshold, this terms refers to situations where the city believes that the building can’t be safely repaired. The building may not be able to be safely repaired because of its condition, age, or issues with building code compliance. As such, the entire building would need to be brought up to code. When you’re trying to determine if your building falls under the major damage threshold, you can inquire about this issue with the Los Angeles Department of Building and Safety. They will be able to tell you what they have set the damage threshold at. For most jurisdictions, the damage threshold is set to anywhere from 50-60 percent, which means that this coverage would activate when around 50-60 percent of the building has been damaged. For some jurisdictions, the major damage threshold is set to as low as 30 percent. Why Building Ordinance Coverage Matters Building ordinances or codes are put in place by local governments to make sure that anyone who lives or works in the building remains safe and healthy. Building codes differ with each district and city. For instance, the building codes for Los Angeles County are different than the ones in San Diego County. It’s also important to understand that some counties have stricter building codes than others, which must be taken into account if you’re thinking about purchasing building ordinance coverage. This coverage can be very beneficial because it allows you to more comfortably pay for the higher construction costs, the loss of value, and the overall costs of demolition that come with making sure that the building you own is fully up to code. To gain a better understanding of when this type of coverage can be important, let’s say that 70 percent of the building you own is destroyed by a fire or a similar peril. Since the building codes for Los Angeles County state that a building must be demolished if more than 50 percent of it is damaged, your entire building would need to be demolished before it could be rebuilt to match the current code. There’s a possibility that your commercial building insurance would only cover 50 percent of the costs that come with repairing the building. By obtaining building ordinance coverage, the costs for demolishing the portion of the building that was undamaged would also be covered. Once the building has been demolished, the coverage you obtain will extend to 100 percent of the rebuilding costs as well. If you don’t have this coverage, your expenses could be very high and possibly out of your budget. Now that you understand all there is to know about building ordinance coverage, you should inquire with your commercial building insurance or homeowner’s insurance provider about the costs associated with this coverage. Jason Somers, President & Founder of Crest Real Estate With over 15 years of professional experience in the Los Angeles luxury real estate market, Jason Somers has the background, judgement and track record to provide an unparalleled level of real estate services. His widespread knowledge helps clients identify and acquire income producing properties and value-ad development opportunities.

https://www.crestrealestate.com/all-in-one-guide-to-understand-building-ordinance-or-law-coverage/

Whether you are self-employed, unemployed, or covered under an employer’s health-care plan, discovering inexpensive well being insurance coverage can be a frustrating, time-consuming course of. Medicare is a federal well being insurance coverage program for Americans above the age of sixty five. Anyone above the age of 65 can purchase health insurance, regardless of their earnings stage. A premium tax credit score could make it easier to afford the fitting well being insurance coverage plan for you. Dental plans are comparatively inexpensive – even the richest plans on the marketplace tap out at around $30 per month for an individual. When shopping for an affordable well being insurance coverage plan, it is necessary to know what makes a plan inexpensive to you, particularly. If you happen to own a term life insurance coverage, it’s also possible to get a crucial sickness rider hooked up to your life insurance coverage coverage for much less money than a separate important illness plan. PPO plans are the least restrictive kind of plan on the subject of accessing your community of providers and getting care from outside the plan’s network Typically, you might have the choice between selecting between an in-network physician, who are you able to see at a decrease value, or an out-of-community doctor at a higher price. However, in actuality, going without medical protection for any size of time is a grievous financial risk. Personal well being insurance policy, together with quick-time period medical protection, supplemental well being insurance and ACA-compliant main medical insurance policies, proceed to be a popular buy resolution. Main eye surgical procedures which can be medically vital, similar to cataract surgery, are usually lined by well being insurance coverage. After all, the month-to-month value of well being insurance coverage for individuals and medical deductibles are constantly on the rise, making most long term plans financially unviable, particularly contemplating the fact that you have just lost your primary source of income. Moreover, brief time period plans can be activated significantly faster than most alternatives. At this time, we’ll be walking you through what brief term health insurance is, discussing why it is so affordable and reviewing a number of the unbelievable advantages it may possibly give you and your loved ones. Here at Pivot Well being , we’re passionate about connecting households throughout the U.S. with high-quality medical coverage to guard them from unforeseeable health problems.

https://www.extrahealthy24.com/international-scholar-health-insurance.html

As 2024 unfolds, Brazil opens a crucial chapter in its digital journey by implementing its long-awaited National Cybersecurity Policy (PNCiber). This initiative represents a significant step forward for cybersecurity in the country, although it has come some way behind other nations. The decree establishing it outlines seven principles, eleven objectives and creates the National Cybersecurity Committee, demonstrating a comprehensive approach. By adopting this policy, Brazil is aligning its cybersecurity strategies and emphasizing its commitment to cooperation between the public and private sectors. This article explores how PNCiber, while not having an immediate impact on the market, signals an effective organization for cyber security. In this way, it promotes trust and outlines a more secure and innovative future for Brazil’s digital age. Although lagging behind other countries, Brazil entered 2024 with its National Cybersecurity Policy in place. This measure was instituted by a decree published in the Official Gazette on December 26 last year. The decree is not long, but it lays the foundations that will guide cybersecurity activity in the country. The document contains seven principles, highlighting cooperation between public and private bodies in cyber security. It also has 11 objectives, starting with promoting the development of cybersecurity products, services and technologies. It also includes two instruments, the National Cybersecurity Strategy and Plan. Finally, it creates the National Cybersecurity Committee, a body that will monitor the implementation and evolution of PNCiber. The plan is a kind of “executive version” of the cyber security strategy previously created by the federal government. Although the text of the decree may seem complex, it can be concluded that it establishes the ways and purposes in which Brazilian cybersecurity will be carried out. In a way, the Policy consolidates, with great scope, definitions that surround and permeate all cybersecurity activity in the country. This activity encompasses both the private and governmental spheres. Therefore, as one of the many definitions of “policy” says, it is a set of determinations that will guide actions to achieve the planned result. Committee to verify the implementation of PNCiber The decree establishes the National Cybersecurity Committee, a body made up of 25 representatives from government and society. This body acts as a watchdog and monitor, carrying out periodic checks to follow the implementation and evolution of the policy. Although it could have done so earlier, Brazil has caught up. He ended up adopting a policy tempered with a trend-oriented approach. More recently, they have challenged technology and the authorities. These trends include generative AI, complex attacks on critical infrastructures and the exponential increase in the power of denial of service attacks. In addition, there are future factors on the horizon, such as quantum computing. Although it won’t have an immediate impact, the enactment of PNCiber is expected to encourage positive attitudes and actions. Among these actions, we can expect, for example, the exchange of information on security between companies and government agencies. The PNCiber, at least in theory, aims to promote “cooperation between public and private bodies and entities in matters of cyber security”. This establishes all Brazilian organizations as allies. This includes not only those directly involved in cyber attacks, such as IT and telecommunications. Organization for cyber security issues The publication of the policy has no direct impact on the market for telecommunications and IT companies. However, it establishes a degree of organization for the issue of cyber security that promotes trust, signaling the concern and proactivity of the authorities on the subject. This favors a safer digital environment, which in the medium and long term increases market confidence and results in gains in economic activity. This effect will emerge in the future in the form of a reduction in the frequency and cost of cybercrime and greater protection of critical infrastructure assets. Directing all organizations to the same minimum security standards. At the same time, a vigorous cybersecurity policy provides the conditions to expand the market for new cybersecurity products and services. As you can imagine, this can lead to innovation and the creation of more jobs in the sector. The first country to have a cybersecurity policy was Estonia, which considered its digital assets and their operation to be fundamental to national security. In April 2007, cyber attacks against government and private assets, originating from Russian IPs, damaged economic and social activities in the country. The start of the attacks coincided with clashes between Russian supporters and opponents on the streets of Tallinn, the capital. This happened because of the relocation of a statue honoring Russian soldiers killed in action during the Second World War. The statue was moved from the city center to a cemetery. Estonia has taken the first step Since then, Estonia has started to plan and invest in cyber security. It is currently the headquarters of NATO’s CCDCOE – Cooperative Cyber Defence Centre of Excellence. Since 2010, the Center has promoted an international cyber-defense exercise for NATO countries, called Locked Shields, in which Brazil participates as a guest. Today, many countries, including Brazil, are taking advantage of the lessons learned and solutions developed by Estonia. Every year, Brazil carries out the Cyber Guardian, an extensive cyber-defense exercise. It is currently considered the largest cyber defense exercise in the Southern Hemisphere, providing participants with a realistic environment in which the country’s critical infrastructures need to be protected. With the PNCiber in force, the notices convening the 25 members of the National Cybersecurity Committee (CNCiber) have already been signed. These members will take part in the quarterly meetings in 2024, overseeing the implementation of PNCiber. So, did you like the article? So be sure to check out our latest content and keep up to date with the world of technology! See you next time!

https://www.huge-networks.com/en/blog/news/brazil-wins-its-national-cybersecurity-policy-pnciber

What happens if your home in Mexico becomes so damaged that you can no longer live in it for a while? Most of homeowners are aware that property insurance helps to protect the investment of what is often our most valuable asset. If you have a mortgage, the bank usually insists that you carry property insurance as it protects them, too. Homeowner’s insurance can also protect from liability in those instances when a third party is hurt on the property. Severe damage can make a home uninhabitable When your Mexican home is seriously damaged by storms, flooding, fire, or a natural disaster, far more than your financial investment is at risk. If your home becomes uninhabitable for a time, you’ll need to evacuate while repair works are undertaken, and you and your family may suddenly be seeking temporary housing at a hotel or other fixed-term rental. Depending on the amount of time it may take to complete repairs to your home, the out-of-pocket expenses can quickly add-up. “Loss of use” provisions in property insurance However, if you have planned well and are protected by a “loss of use” provision in your property insurance policy, you will be able to move into rental accommodation while your claim is being adjusted and repairs are being made without incurring living expenses that are higher than your ordinary outgoings. This can help you to protect your savings, or stay out of debt, and return your life-situation to its normal rhythm as soon as practicable. In addition to paying for temporary housing, you may also be covered for moving expenses and temporary storage of your home furnishings. Policies vary, and the total monetary amount and length of time you are covered for will be determined by the provisions of the coverage you arrange. Depending on your policy, you may also qualify for help with restaurant bills (beyond what you and your family might spend ordinarily on food): after all, if you can’t cook in your own kitchen, you will still need to eat —typically in restaurants— until you can return home. Your insurer might also provide some immediate help with replacement clothing if yours is damaged or not available. Loss of rental income might be covered If you rent your property out and your tenants are affected by the damage to your home, some policies offer a provision to pay you for lost rental income; and tenants might also qualify for property insurance benefits if they have had losses or were forced to move out. Check with the policy you purchase to see what the details are if you rent out your property part-time or full-time. Note about partially-rented residential property Beware that domestic insurance policies usually contain small print that do not insure you or your tenants if during the adjustment procedures it’s discovered that part of your property is rented out while you are living there at the same time (for example: renting-out a room, annex, or bungalow on the same property). For that kind of cover you will need specialist commercial insurance, which is more expensive. ‘All-risks’ policies provide comprehensive coverage for your home While the likelihood of your property becoming damaged to the point of being uninhabitable is slim, disasters do happen—and not always to ‘somebody else’. An affordable all-risks homeowner’s property insurance policy is the best way to ensure that major damage to your home is going to be repaired, your life can continue as normally as possible in the meantime, and you won’t be financially crippled by the event. Our insurance partner MexPro remarks that it’s best to think of property insurance premiums as part of the total cost of owning property—as it costs much less get adequately covered than it would be to try to recover from a major loss without insurance. Get a quote and arrange your home coverage now You can get an online quote and coverage for your home in Mexico (whether you own or rent) in minutes with our home insurance associate, MexPro. Quote and coverage: Get an instant quote and arrange instant coverage online Learn more about caring for and insuring your home in Mexico Mexperience publishes extensive information to help you plan and care for your home life in Mexico through guides, articles and free eBooks:

https://www.mexperience.com/property-damage-and-loss-of-property-use/

Building Better Buildings Founder of ‘The Environmental Design Studio’ and ‘Hazard + Hope’ and author of ‘Retrofitting for Flood Resilience: A Guide to Building & Community Design’ The issue of how and where to build is often contentious. With one in six properties in the UK at risk of flooding, it is vital that any new building stock is designed to be flood resilient as well as sustainable. But the question of how we go about doing this has been problematic to answer, as for a long time there has been no distinct method and procedure through which to undertake flood resilient design at the property level. We now however, have the ‘Code of Practice for Property Flood Resilience’ (CoP), which sets out a framework for developing Property Flood Resilience (PFR) in both new build and existing contexts. Following the Steps, Stages and Standards set out in the CoP will help to ensure a detailed understanding of flood risk contexts and site/property setups, which PFR options are available and the way in which schemes are constructed, handed over and maintained over time. The CoP process can help inform the overall development layout, position of habitable areas, materiality and the datums at which key thresholds are set. As always though, context is key and if one were to duplicate a suite of measures from one place to another, it could well be wholly inappropriate. There are unfortunately many locations in which urbanisation and the resulting proliferation of impermeable surfaces have increased run-off rates and levels of flood risk. But it would be a mistake to generalise and assume that these issues pertain to all new development, because that’s simply not the case. There are a many different ways in which a development can be designed to be flood resilient. For example, planning permission has recently been granted for Stolon Studio and Lanpro’s ‘Garrison Gardens’ scheme in Shoeburyness. This mixed-use sustainable development (which includes 215 homes) incorporates a range of PFR strategies throughout its layout and configuration, and its landscape design makes a positive feature of the way in which water is managed throughout the site. Where we build can be a sensitive and controversial topic. In England, planning policy is structured around a risk-based approach to development with a range of vulnerability classifications set out for different development typologies and flood zones. Yet, locating a property away from watercourses and in lower risk flood zones does not mean it will not flood. An intense or sporadic rainfall event could lead to surface water flooding and it only takes very small amount of flood water to cause a significant amount of damage to a building if it is not flood resilient. There will always be a degree of residual risk when it comes to flooding. To help mitigate this inherent uncertainly, we will need our building stock to be designed for future rather than historic flood risk contexts as well as for resilience to potential heatwaves, periods of extreme cold and drought. But rather than seeing these as insurmountable challenges, as we at TEDS and JTP have shown in the ‘Home for All Seasons’, these conditions and constraints can be used as key design drivers and catalysts through which to create resilient and inspiring spaces and places.

https://yorkshirefloodresilience.co.uk/news/blog/building-better-buildings

Are you confused about what type of boiler is suitable for your home? Do you need a better replacement for the boilers that you already use? Local electric boiler installation in London is the ultimate solution for all your problems. We can now use electrical energy to heat our living and working spaces. It is an affordable solution and the most efficient way to get heat for your homes! Electric Combi Boiler installation in London provides both an efficient and non-polluting option. These electric boilers are quiet yet proficient, and they convert the maximum input energy to give output and, thus, are considered a smart choice! Albion Ra- the best electric boilers company in London uses one hundred per cent of the most efficient boilers! For every 1kW of electricity, you will receive 1kW of heat! Electric boilers are considered more efficient as they do not waste energy, and fuel combustion does not occur. You can get hot water within 20 to 30 minutes after you get the electric boilers installation in London. That is all the time it takes to heat your houses so that you are not left out in the cold with no help.Get a quote For smaller rooms and flats, our electric boiler company in London has high-impact boilers that work best for heating purposes. These electric boilers are ideal for domestic use as they heat your homes within no time. Electric boiler installation London provides an easy and cost-effective solution. These boilers require compact equipment, making their installation an easy process. Electric boiler installation cost in London is way less when compared to the structure of gas boilers, making them popular among the people. Yes, it is true! The electric boilers in London provide boilers that operate rather quietly and do not affect the peace of your living space. Thus, they provide the most efficient heating system with no disruption in peace! That’s right! Your order and we deliver services to your doorstep, and we provide the services for domestic and commercial areas. We use electric boilers of the best quality to ensure our customers are fully satisfied. We value our customers and cater to their needs, ensuring we only use the best quality products. As a team of hardworking people, we ensure that we use the best products and make our tasks sustainable. Being eco-friendly is a must, not a choice, and we constantly evaluate and assess our methods to ensure we play our role as responsible habitants of this planet. As no fuels are being combusted for heat production, electrical boilers in London are one of the friendliest solutions for your environment. Our clients are provided with annual service and maintenance reminders from our company. Electric boiler service in London ensures that your boiler remains as good as new for a long period. With 20 years of experience, we offer the best services through our hardworking team. While looking after your boiler’s general system, our team also evaluates its other parts, including the wiring to guarantee a long life of the boiler. This way, you are satisfied, and any emergency can be avoided. Electric Boiler Repair London services provide all the necessary repairs no matter what time of the day. We know how disruptive it can be when the boilers are faulty. You can contact our team in case of an emergency and expect a rapid response from our dedicated team, who will be there to help you out. We value our customers so much that we respond to applications immediately, and all emergencies are dealt with speedily. You have to switch or opt for electrical boilers in place of gas or oil boilers to play your part in the well-being of our environment. You will contribute to the environment and receive a maximum advantage in return. Not only is the installation light on the pocket, but also heavy on duty. We are available for 365 days, every hour you need us. We work on flexible timing that ensures our services are not limited and everyone uses them. Our team consists of experts who know their way around the job and guarantee services at the lowest prices with long-term value. We offer the best solutions with the help of our qualified team, which are available to guide you as you wish. Call us to get our electric boiler repairs in London anytime!Get a quote

https://albionra.co.uk/electric-boiler-installation/london

With some parts of Michigan expected to see large amounts of heavy rain over the next 24 hours, the Michigan State Police, Emergency Management and Homeland Security Division (MSP/EMHSD) is encouraging residents and visitors to prepare for possible flooding. The National Weather Service is forecasting 1 to 4 inches of heavy rain between 2 p.m. today and 7 a.m. Tuesday—with some parts possibly receiving up to 5 inches—in the southern Lower Peninsula. The heaviest rain is expected to affect residents around Interstates 69, 94 and 96, including the cities of Lansing, Grand Rapids, Detroit, Ann Arbor, Kalamazoo, Jackson and Battle Creek. “Flash flooding has the ability to be life-threatening and damaging,” said Capt. Chris A. Kelenske, Deputy State Director of Emergency Management and Homeland Security and commander of the MSP/EMHSD. “To be prepared and safe, residents should protect their property against any flooding hazards and double-check to ensure they are covered by insurance. If you must travel, please be careful and do not drive through any flooded road.” While flooding is most prevalent near low-lying areas and bodies of water, it can occur almost anywhere, including near small streams, creeks and even basements. Flash floods are the No. 1 cause of weather-related deaths in the U.S., according to the Federal Emergency Management Agency. Preparing for a Flood - Create an emergency preparedness kit with a 72-hour supply of water, including three gallons per person. - Put important documents and valuables in a water-proof container on the top floor of your home. Reconsider storing your valuables in the basement. - Create an inventory of your household items and take photos of the interior and exterior of your home. - Consider installing sewer backflow valves to prevent flood water from backing up into your home through drain pipes. - Double-check sump pumps to ensure they are working properly. If possible, have a battery backup system. - Avoid camping or parking along streams, rivers, and creeks during heavy rainfall. These areas can flood quickly and with little warning. Driving in a Flood - Do not attempt to drive through a flooded road. The depth of water is not always obvious. Turn around and don’t drown. Just 6 inches of moving water can knock you down and 2 feet of water can sweep your vehicle away. - Do not drive around a barricade. Barricades are there for your protection. Turn around and go the other way. - Do not try to take short cuts—they may be blocked. Stick to designated routes. - Be especially cautious driving at night when it is harder to recognize flood dangers. In addition to flooding preparedness, residents are encouraged to purchase flood insurance. Homeowners’ or property owners’ insurance does not typically cover flood damage. The National Flood Insurance Program (NFIP) estimates that 90 percent of all natural disasters involve flooding. An inch of water can require a property owner to replace carpet, drywall, floor boards, moldings, doors and other belongings. Additionally, clean-up of mud and residue can be costly, as can repairing any mold and mildew damage that may occur.

https://flintneighborhoodsunited.org/news-release-state-police-urge-residents-to-prepare-for-possible-flooding/

Evaluating and managing counterparty risk in stock trading involves assessing the potential risk that the party you're transacting with may default on their obligations. Here are some steps to evaluate and manage counterparty risk: - Research the Counterparty: Conduct thorough research on the counterparty's financial stability, track record, and reputation. Look for any red flags such as a history of defaults, bankruptcies, or legal issues. - Review Financial Statements: Examine the counterparty's financial statements, including their balance sheets, income statements, and cash flow statements. Analyze their financial health, profitability, liquidity, and leverage ratios to gauge their ability to fulfill obligations. - Credit Rating: Check the counterparty's credit rating from reputable credit rating agencies. These ratings represent independent assessments of the counterparty's creditworthiness and can provide valuable insights into their risk level. - Collateral and Margin Requirements: If trading on margin or engaging in derivative transactions, ensure that sufficient collateral and margin requirements are in place. This can help mitigate the risk in case of a counterparty default. - Diversify Counterparties: Instead of relying on one counterparty, diversify your exposure by transacting with multiple counterparties. This reduces the impact of a single counterparty's default on your overall portfolio. - Contractual Protections: Include contractual provisions that protect against counterparty default, such as collateral requirements, termination rights, and netting agreements. Seek legal advice to ensure these provisions are enforceable and comprehensive. - Regular Monitoring: Continuously monitor the counterparty's financial performance, news that may impact their creditworthiness, and industry trends. Stay updated on any changes that could affect their ability to meet obligations. - Use Risk Mitigation Instruments: Consider using risk mitigation instruments like credit default swaps or insurance policies to transfer the counterparty risk to a third party. Evaluate the cost-benefit of such instruments based on your specific trading strategy and risk appetite. - Stay Informed: Stay informed about changes in regulations, market conditions, and industry trends that may impact counterparty risk. This will help you adapt your risk management strategies accordingly. - Continuous Assessment: Regularly reassess the counterparty risk and re-evaluate your risk management strategies. Adjust your exposure and counterparty selection based on the evolving market conditions and your risk tolerance. It is essential to note that evaluating and managing counterparty risk cannot completely eliminate the risk of default. However, by following these steps, you can mitigate the potential impact of counterparty defaults on your stock trading activities.

https://forum.finquota.com/thread/how-to-evaluate-and-manage-counterparty-risk-in

Summer season forest fires in British Columbia have had their biggest impact on homeowners, which prompted Park Insurance to offer an article on how to protect your home from the threat. But commercial businesses located in fire zones are also reeling from the effects, ones which have impacted the livelihoods of small and medium business owners along with the employees that depend upon their wages. While you may feel helpless when it comes to an approaching forest fire, there are steps that can buy your shop, restaurant, or other commercial space some extra time, which may be all you need as fire crews come to the rescue. 5 Things Commercial Business Owners Can do to Minimize Forest Fire Threat 1. Inspect Your Property Exterior for Gateways Inspect your business property’s eaves, fascia board, soffit, shingles, and other roofing appendages for damage. Areas in disrepair may create openings that embers to enter and start a fire. Have them repaired right away. In addition, clear property gutters and downspouts of debris. Accumulated debris provides kindle, can catch embers, and escalate the threat. Also cover roof vents with fire-resistant screens and consider installing vinyl roofing membranes. The latter contain fire retardants and are self-extinguishing when the source of heat or flame is removed, once again buying time for your property while fire crews attend to it. All fire-resistant roofing products are not created equal, so be sure to consult with your local commercial roofing expert for information. A relatively small investment can go a long way in keeping your business safer from forest fires during the summer seasons. If your commercial property is a part of a business complex (strip mall, etc.) get together with fellow tenants to inspect and note areas of concern. Record and present the information to the commercial property management company and file a request for reasonable repairs and installations. A break in one link in the chain can result in a domino effect, as evidenced in this recent Greater Vancouver fire that destroyed several commercial properties in a row. 2. Store Non-Essential Combustibles at a Secure Location If your commercial business sells or uses highly combustible materials have them removed from the property until the threat (evacuation alert) has passed. For example, an art supply store may carry aerosol spray paint and paint thinner, or a corner store may have oil cans in its inventory. These items should be collected, placed in hard plastic containers, and stored off-site (if viable) or in a more secure location on the property. 3. Maintain the Landscape and Area Surrounding Property The path of a forest fire may have missed a business if it were not for the landscape and area surrounding the property. Inspect the entire area leading up to your building, including driveways, access roads, and back alleys. These zones must be well-maintained. Trim landscaped trees and bushes at least 10-feet away from your exterior walls, roofing, and external wiring. If vegetation such as weeds and bushes are not a part of the planned landscape then you would be wise to remove them completely. Driveways, access roads, and alleys should be pressure-washed free of oil and gas stains while garbage/recycle bins and dumpsters should be cleared frequently. Again, if you operate in a commercial complex then you will want to organize everything with neighboring tenants and take action. 4. Fire Safety Best Practices for Staff and Customers Keep staff and customers safe while minimizing your commercial liability. That means abiding by on-site fire safety best practices. Should a forest fire suddenly make its way onto your property you want to make sure fire exits are clear of obstruction. Your own expertise on the matter may not be adequate, so don’t be afraid to bring in outside eyes. In other words, don’t fear a fire marshall inspection; invite it! Their feedback may result in a recommendation that saves your business and those within. Should your community be on evacuation alert, let staff know that they need not come into work in the event that they need to be close to their homes. Even if not yet mandatory, you may consider closing your business until the evacuation alert/standby has passed. The lost revenue will be minimal given that local consumerism comes to a halt during the hazard and any missteps in not keeping up to date on evacuation orders can result in not just safety, but liability concerns. 5. PR for Commercial Properties Indirectly Impacted by Loss of Business Businesses that are not in the literal line of fire are also taking a significant financial hit. For instance, Okanagan wineries are reporting that a wave of cancellations (for tours and accommodations) are coming in even though their direct region is clear from concern. This is due to the misconception that the area is in danger. This is common to BC summertime forest fires as tourists monitor the news on the matter. They draw conclusions about the safety and air quality of the entire area, even when unjustified. If your business locale falls in this category, do all that you can to let prospective customers know that all is well, if that is the case. For example, if you depend upon bookings (hospitality-based businesses, etc.) contact everyone who has pre-booked to clear up any concerns. If air quality is safe, but the sky is under a blanket of haze, you may need to incentivize them with small discounts or perks , but this is better than the alternative–cancelled bookings. Keep your social media profiles updated and search hashtags for those expressing worry and engage them too. Distribute press releases and work with local media to generate buzz that it’s business as usual. Again, this applies to businesses and locations safely outside of fire zones, as in the case of British Columbia’s businesses. See Fire Danger Rating system. All of the above aside, nothing else will give you peace of mind quite like the knowledge that you have the best available business interruption and commercial insurance coverage. In addition, you want to make sure you’re covered for commercial property crime and theft (i.e. looting) which is an unfortunate event that can accompany times of emergency. Contact Park Insurance today to consult with an independent insurance broker as soon as possible, especially if you find this article in the thick of forest fire season in BC.

https://park.ca/2017/07/22/protect-business-forest-fires/

The loss of health insurance is a major concern for the millions of Americans who have filed for unemployment throughout the pandemic. While COBRA continuation coverage can help bridge the gap between jobs, former employers generally are not required to pay part of the premiums—meaning some beneficiaries have to foot the entire bill for their insurance. Congress sought to address this issue with a provision in the American Rescue Plan Act of 2021 (ARP) that provides COBRA premium assistance and provider-related tax credits. As with any other major legislation affecting taxes, that meant the Internal Revenue Service had to determine the best way to administer those provisions. Last week, the agency announced the publication of Notice 2021-31, which includes “guidance for employers, plan administrators, and health insurers regarding the new credit available to them for providing continuation health coverage to certain individuals under COBRA.” How does the American Rescue Plan Act affect COBRA continuation coverage? “The American Rescue Plan provides a temporary 100 percent reduction in the premium that individuals would have to pay when they elect COBRA continuation health coverage following a reduction in hours or an involuntary termination of employment,” the IRS explains. “The new law provides a corresponding tax credit for the entities that maintain group health plans, such as employers, multiemployer plans, and insurers.” While COBRA is a federal plan that affects most employers with 20 or more full-time employees, the IRS notes that some states have their own version of continuation coverage. Employees receiving benefits from what the IRS calls “state ‘mini-COBRA’” plans are also eligible to receive premium assistance. How long will the COBRA premium assistance last? The IRS says ARP will provide COBRA premium assistance for “Assistance Eligible [Individuals]” from April 1, 2021 to September 30, 2021 (1). However, “premium assistance is not available if an individual is eligible for coverage under any other group health plan or for Medicare” (2). What else is included in Notice 2021-31? Notice 2021-31 includes a nearly 40-page question-and-answer section that covers the following COBRA premium assistance topics: - Eligibility for COBRA Premium Assistance - Reduction in Hours - Involuntary Termination of Employment - Coverage Eligible for COBRA Premium Assistance - Beginning of COBRA Premium Assistance Period - End of COBRA Premium Assistance Period - Extended Election Period - Extensions Under the Emergency Relief Notices - Payments to Insurers Under Federal COBRA - Comparable State Continuation Coverage - Calculation of COBRA Premium Assistance Credit - Claiming the COBRA Premium Assistance Credit To learn more, check out the links below.

https://wilcox.tax/irs-notice-includes-guidance-for-cobra-premium-assistance/

Picture this: you’re sitting in the driver’s seat, the engine purring beneath you as the open road stretches out before you. But before you can fully enjoy the freedom of the journey, you’re hit with a harsh reality – the cost of SR22 insurance in Alabama is sky-high. So, what’s the deal? Why are these insurance costs so steep in the Heart of Dixie? Well, buckle up, because in this discussion, we’ll uncover the factors behind these soaring prices and provide you with some tips on how to find more affordable options. Whether you’re a curious driver or someone looking to lower their insurance expenses, this article has got you covered. When determining SR22 insurance costs in Alabama, several factors come into play that can affect the overall price. One of the main factors is your driving record. If you have a history of traffic violations or accidents, your insurance costs may be higher. Another factor is the type of vehicle you drive. Generally, vehicles with higher horsepower or those that are considered more expensive to repair or replace will result in higher insurance costs. Additionally, your age and gender can also impact the price of SR22 insurance. Younger drivers and males typically pay more for insurance. Lastly, the coverage limits you choose and the length of time you need SR22 insurance can also affect the cost. It’s important to consider these factors when looking for SR22 insurance in Alabama. Your driving record plays a crucial role in determining the cost of SR22 insurance in Alabama. Insurance providers consider your driving history to assess the level of risk you pose as a driver. Here are four key factors that influence the cost of SR22 insurance based on your driving record: Maintaining a clean driving record and practicing safe driving habits can help lower your SR22 insurance costs in Alabama. If you’re looking for affordable SR22 insurance, there are several tips that can help you find the best rates in Alabama. First, shop around and compare quotes from different insurance companies. Each company has its own criteria for determining rates, so it’s important to explore all your options. Second, consider raising your deductible. A higher deductible means you’ll pay more out of pocket in the event of a claim, but it can significantly lower your monthly premium. Third, maintain a clean driving record. Insurance companies often offer lower rates to drivers with no recent accidents or traffic violations. Finally, ask about available discounts. Many insurance companies offer discounts for things like bundling policies, being a safe driver, or having a good credit score. To enhance your driving record, it’s essential to implement strategies that can help you maintain a clean history and potentially qualify for lower insurance rates. Here are four tips to improve your driving record:

https://www.alabama-sr22.com/why-are-sr22-insurance-costs-in-alabama-so-high/

Auto insurance quotes can help clients find the best discounts in their area. Clients can now get multiple quotes in just a few minutes. Finding low-cost coverage is essential for maintaining an advantageous plan for an extended period. The best way to compare car insurance quotes is to visit an Independent Insurance Agency at http://www.allinone-insurance-group.com. Always compare auto insurance quotes before renewing coverage. When moving to another state, drivers should not cancel their current policies before purchasing a new one. Online car insurance quotes can be very helpful in choosing a new provider. An auto insurance quote shows valuable information about the policy. By comparing various plans, clients can learn how much they would have to pay for coverage and what benefits they will get under the policy. Even if the driver chooses to remain with the same provider, a new policy may have to be issued. This is because of the new state laws that will apply. Insurance state laws can vary significantly, and various new taxes may apply. When completing the online form, drivers also have some options for customizing their insurance plan. They can select the desired type of auto insurance and amount of coverage. Benefits should be the main reason for purchasing vehicle coverage and drivers should make sure they always choose sufficient financial protection. Auto insurance is a necessary and vital investment. Clients should always review multiple plans before making a purchase. A policy can cover expensive car repairs and provide medical coverage for serious injuries. When renewing auto insurance, clients should always compare multiple online quotes. Drivers can save more on coverage by comparing prices. All in One Insurance Group is an Independent Insurance Agency that works with over thirty (30) Standard and Preferred A & A+ rated insurance providers of auto, life, home, business, electronics, photography and insurance quotes. The All in One Insurance Group website is unique because it does not just stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place. This saves time. Potential customers have access to quotes for insurance plans from various insurance companies, such as local or nationwide insurance companies, and brand names insurance companies.

https://www.allinone-insurance-group.com/post/2016/05/03/keeping-your-home-safe-while-youre-away

17 trucks from Mexico damaged in fire at Port of Brownsville Seventeen trucks from Mexico were either destroyed or damaged in an early Tuesday morning fire at the Port of Brownsville, according to Brownsville fire Chief Jarrett Sheldon. A total of 27 firefighters from the Brownsville Fire Department, along with multiple agencies, responded to the fire that was put out in two hours. No other structure damage or injuries were reported. "They are diesel and gasoline tanker trucks," Sheldon said. "[They’re] highly flammable, highly regulated… it's under investigation what caused this fire." EARLIER COVERAGE: Fire at Port of Brownsville under investigation, cause unknown Firefighters were able to stop the fire from spreading to other buildings at the port. A spokesperson with the Port of Brownsville said there were no workers in the area at the time of the fire. Clean up at the site where the fire happened is ongoing. Watch the video above for the full story. La Feria middle school cleared following bomb threat, normal schedule resumes La Villa ISD students evacuated due to bomb threat Valley non-profit raises awareness on Multiple Sclerosis with annual run/walk Valley school officials host natural disaster preparation event for students Medical Breakthrough: Form of ultrasound being used to treat heel pain UTRGV Baseball Sweeps Milwaukee, close out the series 15-3 win UTRGV women's basketball falls to Seattle U at the Fieldhouse PSJA North's Markus Rendon signs with Texas Lutheran University Harvest Christian girls basketball eyeing back to back state titles Sabercats dominating through the area round of playoffs

https://www.krgv.com/videos/17-trucks-from-mexico-damaged-in-fire-at-port-of-brownsville/

In this guide, you will learn everything you need to know about making a valid neck injury claim. We’ll discuss different types of neck injuries and what steps you could take to build evidence for a personal injury claim. We’ve also featured a neck injury settlement calculator to help determine how you can get the maximum compensation you deserve. Our team of advisors can offer a free consultation of your case and you won’t be obligated to use our services. However, if you have a valid claim, you could be connected to our panel of solicitors. You can request a call back by filling out the form at the top of this page. In addition, you can get in touch by: - Using the live chat feature to the right of your screen - Using our website to contact us - Calling us on the number at the top of this page Choose A Section - Guidance – Neck Injury Claims - Determining Compensation For Your Injured Neck - Understanding Neck Injuries And Neck Injury Claims - How Do Neck Injuries Happen? - How Can A No Win No Fee Agreement Help You? - More Information – Neck Injury Claims Whether you have injured your neck at work, on the road or in a public place, if you can prove the accident happened as a result of a third party’s negligence, you might have grounds for a valid claim. In addition, you must have evidence that a third party owed a duty of care to you and this duty of care was breached, therefore causing your accident. If the accident then caused your neck injury, you could be liable to claim. How Often Do Neck Injuries Happen? A report produced by the Health and Safety Executive found that 212,000 employees suffered from work-related musculoskeletal disorders affecting their upper limb or neck in 2020/21. The Labour Force Survey found that 441,000 workers sustained a non-fatal injury in the workplace during this time. In the past year, the Compensation Recovery Unit has had 52,724 cases registered due to claims following accidents in public. There were 387,687 cases registered involving motors. Furthermore, government statistics show that 119,850 casualties of all severities on the road were recorded in the year ending June 2021. Our advisors can clarify whether you have a legitimate claim or not. Depending on if you have a valid claim, you might be connected to our panel of personal injury solicitors. In order to claim for damages, you must be able to prove that a third party owed you a duty of care but was negligent, resulting in you being injured. There are two heads of damages that you could claim for if you have injured your neck: - General damages: Any physical or psychological harm inflicted by your accident, for example, your neck injury. A medical report would provide proof of your injury. If you use our services, a solicitor from our panel can help you obtain a medical report. - Special damages: Financial losses that you have incurred due to your neck injury, for example, loss of wages or medical fees. Keep hold of wage slips, receipts and statements to provide evidence of your financial losses. To determine how much you may receive for general damages, we can take compensation brackets from the Judicial College Guidelines. The 16th edition was published in 2022 and uses settlements from past court cases to suggest how much you might receive for various injuries. |Severe (i) Neck Injury |In the region of £148,330 |You may have to wear a collar 24 hours a day over a period of years, but your neck will still struggle to move or may not move at all. |Severe (ii) Neck Injury |£65,740 to £130,930 |There will be a significant loss of movement in the neck and may involve serious damage to discs in the cervical spine. |Severe (iii) Neck Injury |£45,470 to £55,990 |The level of award within this bracket is determined by factors such as the extent of the treatment required, the seriousness of symptoms and the prognosis. |Moderate (i) Neck Injury |£24,990 to £38,490 |Pre-existing degenerative changes may be accelerated due to the severity of the injury. |Moderate (ii) Neck Injury |£13,740 to £24,990 |Your neck may be in permanent pain and there could be stiffness or discomfort. |Moderate (iii) Neck Injury |£7,890 to £13,740 |This bracket applies to moderate soft tissue injuries and where you may be left vulnerable to further trauma. |Minor (i) Neck Injury |£4,350 to £7,890 |A full recovery is expected by two years at the latest, while exacerbation injuries are also covered in this bracket. |Minor (ii) Neck Injury |£2,450 to £4,350 |You will have completely recovered within the space of a year. |Minor (iii) Neck Injury |Up to £2,450 |A complete recovery will be made within three months. |Severe Shoulder Injuries |£19,200 to £48,030 |Associated with neck injuries and may involve serious damage to the brachial plexus. Our advisors can value your claim for free. Why not get in touch? Neck injuries can happen in accidents anywhere; however, there are key pieces of legislation in place to enforce health and safety measures. In this section, we will discuss the different scenarios for potential accidents and what legislation may protect you. The Health and Safety at Work etc. Act 1974 puts a responsibility on employers to do what is ‘reasonably practicable’ to ensure the safety and welfare of employees and non-employees. For example, you might work in a warehouse and have to lift heavy boxes. If your employer does not provide you with adequate training on manual handling, you could sustain a neck injury or back injury such as a slipped disc. On The Road Road users should follow The Highway Code, otherwise they may endanger themselves or others. Furthermore, motorists have a duty of care to other road users under the Road Traffic Act 1988. For example, section 5 of the act forbids motorists from driving over the drinking limit. If a motorist ignores this law, their reactions to oncoming traffic may be slower. Therefore, a car accident could potentially occur and cause injuries like whiplash. In A Public Place The Occupiers’ Liability Act 1957 sets out a duty of care that controllers of land and premises owe to lawful visitors. They should it’s safe for visitors to use. That duty of care must be breached in order for the occupier to be liable for your accident and injuries. For example, you could trip and fall over a raised paving slab. The party in control, such as the council, may be liable for your injuries if they didn’t take reasonable measures to deal with the pavement defect before it caused harm. If you feel like we haven’t covered your situation in the examples above, don’t hesitate to speak to our advisors. They can offer you a free consultation on your case. To claim for a neck injury, you must be able to answer ‘yes’ to the following: - Did a third party owe a legal duty of care to you? - Did they breach this duty of care, causing an accident? - Were you injured as a result of this accident? Immediately following your accident, it may be in your best interest to seek medical attention. Not only can it get you the right support for your injuries, but medical reports can provide crucial evidence of the extent of your injuries. There are different ways you could gather evidence, including: - Obtaining CCTV footage of the accident occurring - Photographing your injury and the scene of the accident - Collecting witness contact details for statements at a later date It could also be worth your time to seek legal advice. Sometimes, it can be difficult to prove what you are claiming. However, a solicitor from our panel can make sure that you cover all bases and put together a strong claim. Finding the funds to begin the legal process with the help of a solicitor may seem daunting, but we have the solution for you. A No Win No Fee agreement is a way to fund legal representation without incurring hidden fees. Our panel of personal injury solicitors offer their services on a No Win No Fee basis for all claims they accept. The reasons you may benefit, include: - No upfront solicitor fees - Not paying your solicitor fees if the claim fails - Only paying a legally capped fee from your compensation to your solicitor if your claim is successful Get Advice On Neck Injury Claims If you want to be connected to a No Win No Fee solicitor from our panel, speak to our team today. An advisor is available to speak using our live chat function. Otherwise: - You can contact us - Call us by heading to the top of this page - Request a callback You are now coming to the end of this guide on neck injury claims, but before you go, we wanted to share additional resources with you. Neck pain – NHS advice on dealing with neck pain. Statutory Sick Pay (SSP) – Government guidance on sick pay. RIDDOR – The Reporting of Injuries, Diseases and Dangerous Occurrences Regulations 2013. If you have found this guide useful, you might enjoy some more of our articles: - The Personal Injury Claims Process - Which Claims Fall Under Personal Injury? - The Definition of No Win No Fee Agreements - Top Tips for Making a Gym Accident Claim - What Are No Win No Fee Agreements In Personal Injury Law? - What Evidence Is Needed For A Personal Injury Claim? - What Determines The Best No Win No Fee Solicitors? - Slips, Trips and Falls Compensation Claims - A Guide To Restaurant Accident Claims - Compensation Payout For A Nursery Accident - Find Personal Injury Solicitors Near You - Compensation Amounts For A Broken Leg Claim - How Much Is A Head Injury Claim Worth? - How To Claim Accident In A Supermarket Compensation - How To Claim Under The Fatal Accidents Act 1976 - How To Successfully Claim Compensation For A Nose Injury - Making A Claim For An Accident In A Nursery - What Is The Personal Injury Claims Time Limit? - Shoulder Injury Claims Explained - What Are The Payouts For Arm Injury Claims? - How To Make A Hand Injury Claim - Slipping On A Wet Floor Compensation Claims - A Guide To Making Eye Injury Claims - PTSD Claims Guide This concludes our guide on making a neck injury claim. We hope you feel confident to take action and get the compensation you might be owed. Written by JEN Published by VIC

https://www.personalinjuryclaimsuk.org.uk/personal-injury-compensation/what-you-need-to-know-about-neck-injury-claims/

Dental Insurance – Lincoln, Nebraska Affordable Dentistry to Keep You Smiling How Dental Insurance Works Your dental insurance plan will be specific to you based on individual elections, your insurer, and plan restrictions, so it’s difficult to provide an accurate overall estimate of the benefits you will likely receive. Instead, our knowledgeable team will be happy to review your unique policy and provide estimates of the out of pocket costs of specific dental care services. In most cases, insurers offer some combination of the following: - 100% preventive care covered - Minor restorative care around 70%-80% covered - Major restorative care around 50% What is the Difference Between Dental & Medical Insurance? There are numerous differences between these types of insurance coverage. The services they cover may be the most obvious. While the bulk of medical insurance coverage is geared toward services to treat chronic illnesses and emergencies, dental benefits are focused on prevention. The goals of the insurers and our dental office are aligned here. We want to help patients keep their smiles healthy and avoid the need for more advanced dentistry services. In-Network VS Out of Network Dentistry We are happy to process and file dental insurance claims for almost any insurer. Whether or not our dental office is in-network with your insurance provider, we’ll do our utmost to help you make the most of your benefits and minimize the cost of treatments. Our dental office has established relationships with many of the major dental insurance providers in the area. This means you can rely on us to offer the lowest possible out of pocket costs for all of your covered dental services. We offer in-network coverage for all of the following dental insurance providers: - Delta Dental - Blue Cross Blue Shield - UnitedHealth Care Out of Network Coverage If you don’t see your dental insurer listed above, we likely are not in-network with your policy. However, we are still happy to process your claims. We do our utmost to keep our pricing within the coverage maximums allowed by most benefit plans, but in some cases, you may need to pay a nominal fee to cover the difference between our pricing and that set by an out of network insurer. If you’re ever concerned about this coverage, please let us know.

https://www.williamsburgdentalllc.com/dental-insurance.html

Find out how risk managers can lead the pack by demonstrating how climate is a matter of quantifiable risk and an arena for opportunity. A robust climate risk management and financing strategy can attract more investment to your organization and position the business for long-term resilience. But in attempting to manage and finance climate risk management, you could face organizational hurdles. These obstacles might include a sense of climate action being a nice-to-have, or effective climate risk management feeling too overwhelming or too complicated for leaders to feel ready to act. This insight, based on a WTW webinar looks at how you can outsmart these uncertainties and ensure the business is ready to benefit from the opportunities. Climate disclosure regulations, such as Task Force on Climate-related Financial Disclosure (TCFD)1 requirements don’t originate from environmental agencies; they’re issued by financial regulators and international standards institutions. That’s because climate is a risk issue. It’s critical your business is enabled to talk about climate routinely, identifying the climate risks to your assets, your people and the human rights in the areas you operate. This isn’t about ‘doing good’ or learning a whole new language around ‘climate’. Organizations already have the vocabulary they need to discuss climate, and that is the language of risk management. You can think of climate risks as like every other risk, only a longer forward-looking timeline. We’re facing huge physical risks in the future, and a period of major upheaval to try to prevent those risks. These so-called ‘physical risks,’ are the result of a warming world: wind, flood, heat stress, drought, sea-level rise, wildfires, and the like. Physical risks should feel familiar to you and your board; they’re much like natural catastrophe, property damage and business interruption risks but over that longer time horizon. Physical risk phenomena follow the rules of physics and atmospheric science. This means you can model, for example, what would happen if the world heats by 2.6 degrees, how this will impact your organization’s assets and supply chains and assess the financial impact. You can also model the impact of different resilience actions. We recently worked with a manufacturer that used a diagnostic model to determine how far assets that relied on hydro-electricity would be impacted by energy shortages in the wake of drought stress. Modelling provided insight on the number of drought months it could expect on an annual average for future decades and climate scenarios, delivering the manufacturer it needed to create resiliencies. Transition risks are those risks associated with a move to a low carbon economy. These are business-related risks arising from societal and economic shifts and include policy, regulatory, technological, market, reputational and legal risks. However, transition risks also represent strategic opportunities for your organization. While transition risks can’t be modelled in the same way as physical risks, they are still scenario-driven. For example, one of the most obvious areas of transition is related to energy. The International Energy Agency has released insights on the path to net zero and how change might manifest,2 including technological changes, commodity price shifts plus price volatility or dislocations in talent availability versus demand. Understanding the transitional risks and opportunities can help to ready your business model to, for example, hedge around commodity prices, or develop strategies now to win the talent you’ll need tomorrow. This converts the risks around the next industrial revolution into competitive advantage. Transitional risks such as those around technology and talent aren’t new, but they are being amplified by climate. So, how do you manage these heightened risks? Good climate risk management is the same as other risk management: it’s built on good governance and the methods and processes of enterprise risk management. These apparatus include a strong risk committee with a cross-functional group of people who have the reach and influence within your company to tackle climate as a risk issue and finance a robust, insight-driven climate risk management strategy. Thinking about the manufacturer we mentioned earlier, this organization used the analytics for climate disclosure and then went further. It used disclosure assessments to understand climate risk vulnerabilities for its operations and supply chain. It then assessed the risk financing strategy, following the climate risk diagnostic of the whole value chain, and ultimately baking the resulting climate risk management strategy into a sustainability strategy. There are a range of immediate actions you can take to tackle climate risk to support success over the long term. Some of the following could inform your climate risk management journey: Outsmarting Uncertainty webinars cover a range of subjects designed to benefit risk and insurance professionals. Our aim is to provide you with the knowledge and confidence to make more informed choices on behalf of your organization. 2 Net Zero by 2050, International Energy Agency Lisa leads WTW’s Enterprise and Transition Risk Consulting practice for North America and has 15 years of experience in risk and insurance. Over the course of her career, she has led large strategic consulting engagements and pioneered the development of WTW web apps including Global Peril Diagnostic, a natural catastrophe and terrorism model, and Collateral Quantified, an actuarial reserving and negotiation tool. Lisa helps organizations navigate, quantify, and make efficient investments to control their strategic and enterprise risks. She is part of WTW’s Global Climate Strategy Task Force and takes a leading role shaping WTW’s Risk & Broking large account strategy.

https://www.wtwco.com/en-ch/insights/2023/02/why-and-how-to-create-a-climate-risk-strategy-for-competitive-advantage

ICE and Agility Credit Announce Partnership to Strengthen Cybersecurity for Auto Dealerships Published first on Jan 18th, 2023, here. We are excited to announce that Agility Credit, a leading credit service reseller, has partnered with ICE Cybersecurity, a leading provider of cybersecurity solutions, to strengthen the security dealerships. The partnership will see ICE Cybersecurity providing its advanced cybersecurity technology to Agility Credit, allowing dealerships to comply with the new FTC safeguards. This solution will provide enhanced protection against cyber threats such as phishing, malware, and other forms of cybercrime, plus safeguard consumer information at the dealership. This partnership aligns with our commitment to providing dealerships with the highest level of security and peace of mind. With the increasing number of cyber threats, it is more important than ever for credit service resellers to invest in top-of-the-line cybersecurity solutions. Through this partnership, we will be able to provide our dealerships with the latest in cybersecurity technology, giving them the assurance that their customer’s personal information is secure when visiting a dealership. We are excited to be working with Agility Credit and look forward to the benefits that this partnership will bring to dealerships and their customers. Together, we will continue to provide the best security solutions to keep dealerships and their customers’ information safe from hackers. Read about Agility Credit here: https://www.agilitycredit.com/

https://blog.icecybersecurity.com/ice-and-agility-credit-announce-partnership-to-strengthen-cybersecurity-for-auto-dealerships

This webpage has guidance and resources for individuals, homeowners, and Local Public Health workers to help increase community partnerships and ensure better preparation and safer, more resilient communities. The immediate health impacts of floods most often include drowning, heart attacks, injuries, animal bites, and hypothermia. The indirect effects include, injuries and infections, water-borne infectious disease, mental health problems, respiratory disease, and allergies in both the medium and longer term after a flood. Complications from untreated chronic diseases, such as diabetes, hypertension, and HIV, likely increased deaths during recent floods due to lack of access to basic health care. Due to policies like redlining, flooding and other disasters hit historically marginalized communities harder. Disasters cause financial burdens for families and businesses, as well as added health hazards. To correct this trend, we must fix inequities in flooding and disaster recovery policy, listen to and amplify historically underserved people, and ensure equitable distribution of resources. Flood Planning & Preparation - DOH WTN Flood Risk and Social Vulnerability Map - How to Prepare and Be Safe, (resources in additional languages) Flood Response Resources - Community Support in the Aftermath of Flooding and Other Natural Disasters (PDF) - WAserv - Washington’s registration and contact system for medical, public health and emergency volunteers

https://doh.wa.gov/community-and-environment/climate-and-health/floods

Commercial Real Estate Brokerage – A Risky Yet Healthy Business Real estate is one of the last pillars of the free-enterprising entrepreneur who buys properties in hope that they will rise in value because of improvement in market conditions or renovations. To make it in this career you need to be savvy, hard working, willing to take risks and fortunate. It is important, then, to think carefully of how you can succeed in this market through better wits, a superior management approach or a unique niche strategy. Whether you are updating your current facility, entering a build-to-suit location or looking to build a property, commercial real estate brokerage associates or simply called brokers can help you manage the construction process. From property rehabilitation to inspection, from zoning restrictions to building codes, associates guide you through all necessary steps to ensure your project is completed efficiently and within budget. Commercial real estate brokerage offices use sales associates who market office buildings, hotels and many other types of commercial real estate for brokers. Commercial real estate brokerage sellers usually specialize in a particular property type such as apartments, retail, office, and hospitality, shopping centers and industrial plants. In commercial real estate brokerage, a person is required to have a license in order to receive remuneration for services rendered as a real estate broker. Unlicensed activity is illegal, but buyers and sellers acting as principals in the sale or purchase of real estate are not required to be licensed. Commercial real estate brokerage is a risky business. Brokers are paid in straight commission – cashing out only if they were able to close deals. Brokers negotiate leases for retail, healthcare, high-technology, and other industries that are seeking office and industrial spaces. They represent both landlords looking to market office and industrial space and tenants looking to relocate or expand. They help secure the rights to redevelop the space. They spend some of that time away from the office, touring clients’ conditions and trying to understand their corporate culture and what kind of office or industrial space they need to operate. Brokers’ pay usually depends on market conditions, not years of work experience, said Al Marco, a partner in Joseph Chris Associates, a national recruiting firm in Chicago that specializes in placing commercial real estate brokerage executives. The risks of the commercial real estate brokerage are certainly offset by financial rewards. A leader in the commercial real estate brokerage industry, Coldwell Banker Commercial® was founded in 1906 after a devastating earthquake in San Francisco. Some brokers of a commercial real estate brokerage focus on the sale, purchase, lease, and development of commercial-use land properties. Associates specializing in multi-family property transactions are well versed in the unique elements and trends that shape successful multi-family transactions.

https://electionintegritywatch.com/commercial-real-estate-brokerage-a-risky-yet-healthy-business/

SRINAGAR: In a move to provide enhanced financial security to the employees of the Jammu and Kashmir government, the Jammu and Kashmir Bank has announced the extension of a free Group Personal Accidental Insurance Policy worth Rs 25 lakh. This significant development aims to safeguard the interests of government employees in case of unfortunate accidents. To ensure the effective implementation and timely settlement of claims, the Jammu and Kashmir Finance Department has taken the initiative to appoint a designated Nodal Officer. This officer will play a pivotal role in overseeing the claims process and ensuring the periodic updating of the number of covered employees. The Principal Secretary of the Finance Department, Santosh D Vaidya, issued a circular detailing the expansion of this insurance coverage. The circular outlined that the policy encompasses all categories of employees within the government of Jammu and Kashmir, encompassing both gazetted and non-gazetted employees. Importantly, the scope of coverage extends beyond government employees to include personnel working within Public Sector Undertakings (PSUs), autonomous bodies, Local Bodies, and universities. For the efficient processing of insurance claims, the circular emphasised the need for the timely communication of accidental deaths or instances of partial or permanent disabilities. These intimations will be directly transmitted to the concerned Bank branch by the respective Drawing and Disbursing Officers (DDOs). This proactive measure aims to expedite the settlement of cases and provide swift financial assistance to affected employees and their families. The circular has appointment of Shahnawaz Ahmed, Deputy Director (Budget) within the Finance Department, as the designated Nodal Officer. Ahmed will oversee the process of timely claim intimation, claim settlement, and the regular updating of the total count of covered employees. This step by the Jammu and Kashmir Bank and the Finance Department underscores the commitment to the well-being of government employees by providing them with a safety net against unforeseen accidents. The extension of the Group Personal Accidental Insurance Policy serves as a testament to the authorities’ efforts to enhance employee welfare and offer vital financial protection.

https://kashmirlife.net/govt-employees-personal-accidental-insurance-extended-to-rs-25-lakh-326336/

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https://mriya.net/indoor-electric-fireplace-heater/

Insurance Rating Information |Rating Effective Date |Town of Carrboro |01 August 2020 |South Orange Fire District |01 August 2020 The Carrboro Fire-Rescue Department serves two fire districts, the Town of Carrboro Fire District and the South Orange Fire District. The North Carolina Office of the State Fire Marshal conducted a routine inspection of the department in December 2019. The inspection examines the department's staffing level, training, equipment and equipment maintenance, communications capabilities, water supply, and Community Risk Reduction efforts. The rating system ranges from one (highest) to 10 (lowest). Most rural fire departments have a rating of 9S. Higher ratings suggest the department is overall better equipped to respond to fires in its district, and can significantly lower homeowners insurance rates in the district. The Carrboro Fire District is a municipal district encompassing all properties within the Town of Carrboro municipal boundary. The South Orange Fire District is an unincorporated area within Orange County, which surrounds the Town of Carrboro municipal boundary. The map below delineates the Town of Carrboro and South Orange Fire Districts. If you are unsure if your property is within the Town of Carrboro Fire District or the South Orange Fire District the county ARIES site is a useful resource. Visit http://aries.orangecountync.gov/Aries/#, enter your address, and review the Public Safety tab on the left side of the screen. If you still have questions contact the fire department at (919) 918-7359 or via email at email@example.com. - Does your department check and install car seats for children? Yes! Due to COVID-19 are currently inspecting and installing car seats for children on an appointment basis. Fill out the Child Passenger Safety Inspection Request form to schedule an appointment, or visit our Child Car Seat Installation page for more information. - How do I order a reflective address sign? Reflective address signs are very important for emergency services. If we can't find you, we can't help you. Locating addresses can be especially tricky at night. Order a reflective address sign today. Signs are only $15 or $20 if mounted to a metal post. Use this form to order your reflective address sign. The signs are made at the fire-rescue department and you will be contacted once it is ready for pick-up. - Does your department check and install smoke alarms and/or carbon monoxide detectors? As a part of our Community Risk Reduction program the Fire-Rescue Department installs smoke and carbon monoxide alarms for residents of Carrboro and the South Orange Fire District. Smoke alarms provide early notifications increasing the likelihood that you and your family will be able to escape if there is a fire in your home. Submit this form to schedule installation or inspection of a smoke or carbon monoxide alarm. - How can I apply for a fire prevention permit? The Carrboro Fire-Rescue Department issues construction and operational permits in accordance with applicable state laws and the currently adopted edition of the North Carolina Fire Code. For more information regarding permits, reference Section 105 of the North Carolina Fire Code and in Chapter 12, Article II, Section 12-10 of the Town Code. You can apply for a fire prevention permit by submitting this form. Reminder: Any plans for review (electrical, remodeling, fire alarm, sprinkler system) should be submitted to Town of Carrboro Planning, Zoning, and Inspections through PIPER prior to contacting the Fire-Rescue Department. - How to I schedule a fire prevention education event or fire station tour? Birthday Party? Other events? We provide public education events, including fire prevention presentations. Use this form to request a public education event for your group or organization. We regularly give station tours and safety talks to all types of groups, both formal and informal. Some of the groups we have had come through in the past include school classes, girl scouts, boy scouts, church groups, day care groups, after school programs, summer camp groups, home school students, and many individuals. Use this form to request a fire station tour. If you are planning a community block party or birthday party our department will stop by during the event with a fire truck for all to see up close - both adults and children. We can show and explain the use and importance of the many pieces of equipment, display our gear, discuss fire safety topics, and distribute fire safety information. Use this form to request the department come out to your birthday or block party. View our Community Services page to see what other services are offered by the fire-rescue department. Forms are available to request all of the services offered by the department. 301 W. Main St. Carrboro, NC 27510 (919) 918-7347 * 1411 Homestead RD Chapel Hill, NC 27516 (919) 913-2943 * *NOTE: Non-emergency telephone and email are not monitored 24/7/365.

https://nc-carrboro.civicplus.com/2578/Insurance-Rating-Information

Are You Ready to Protect Your Business with a Business Owner’s Policy (BOP)? Imagine waking up to find your business in ruins due to a fire. What would this mean for you and your livelihood? An unexpected event like this can significantly impact businesses, mainly if they cannot operate for an extended period. A Business Owner’s Policy, or BOP, can be a lifesaver for your enterprise. It’s as crucial as insurance coverage against other commercial risks like fire or flood. Many entrepreneurs would only dream of launching a business with protection against these physical risks. Yet, many business owners still need to confront the consequences of what could happen if a disaster made their business non-operational for an extended period. For those unfamiliar, a BOP safeguards your business against lost income if the company has to vacate the premises due to disaster-induced damage covered under your property insurance policy, such as a fire. This policy also covers the earnings you would have made, based on your financial documents, had the unfortunate event not occurred. It also meets ongoing expenses, such as utility bills, which persist even if the business operations have been momentarily halted. How much does a Business Owner’s Policy (BOP) cost? Costs associated with a business owner’s policy are linked to the risk of a disaster, such as fire or other disastrous events causing damage to your premises. Assuming everything else remains constant, the cost is more likely to be greater for a restaurant compared to a real estate agency, for example, due to the higher risk of fire. This is because a restaurant has a kitchen with open flames and cooking equipment, which increases the potential for accidents. Moreover, some businesses, such as real estate agencies, can transition more effortlessly to a different location. This means they are less likely to experience a total stoppage of business activity. In conclusion, safeguarding your business’s future by planning for unforeseen circumstances is indispensable. A Business Owner’s Policy could provide the financial cushion needed to quickly bounce back from adverse situations. So, are you ready to protect your business with a Business Owner’s Policy? Fulfilling this essential responsibility is a critical step in ensuring the sustainability and continuity of your enterprise.

https://stokesins.com/business-owners-policy/

General liability insurance (CGL) for freight brokers is an essential aspect of the freight brokerage business. Freight brokers act as intermediaries between shippers and carriers and are responsible for ensuring that the freight is transported safely and efficiently. However, accidents can happen, and freight brokers can be held liable for any damages or injuries that occur during the transportation process. This is where general liability insurance comes in. General liability insurance for freight brokers provides coverage for bodily injury, property damage, and personal and advertising injury. It protects the freight broker from lawsuits and claims that may arise due to accidents or incidents that occur during the transportation process. This insurance is especially important for freight brokers as they are often held responsible for the actions of carriers and shippers. Understanding CGL Insurance for Freight Brokers General liability insurance for freight brokers typically covers the following areas: - Bodily Injury: This coverage provides protection against claims made by third parties for physical injuries sustained on the freight broker's premises or because of the broker's operations. - Property Damage: This coverage provides protection against claims made by third parties for damage to their property caused by the freight broker's operations. - Personal Injury: This coverage provides protection against claims made by third parties for non-physical injuries, such as libel, slander, or invasion of privacy. - Advertising Injury: This coverage provides protection against claims made by third parties for damages resulting from the freight broker's advertising activities. Importance for Freight Brokers General Liability Insurance is essential for freight brokers because it provides protection against a wide range of risks that they may face in their operations. Without this insurance, freight brokers may be exposed to significant financial losses due to claims made against them. General liability insurance can help freight brokers to protect their business and their financial assets in the event of a lawsuit or other legal action. General liability insurance for freight brokers is a critical component of any freight broker's risk management strategy. This insurance provides protection against a range of risks that freight brokers may face in their operations and can help to protect their business and financial assets. Get Free Quote in Minutes Freight brokers must also fulfill contractual obligations with their clients. This includes providing proof of insurance to shippers and carriers, as well as ensuring that all carriers used are properly licensed and insured. Freight brokers must also provide accurate and timely payment to carriers for their services. It is important for freight brokers to have clear and concise contracts with their clients that outline the terms of the agreement. This can include details such as payment terms, liability limits, and dispute resolution procedures. By having a well-written contract in place, both the freight broker and their clients can have a clear understanding of their obligations and responsibilities. Overall, meeting the legal and contractual requirements for freight brokers is essential for operating a successful and compliant business. By obtaining the necessary licenses and insurance, and fulfilling contractual obligations with clients, freight brokers can build a reputation for reliability and professionalism in the industry. Choosing the Right Policy When it comes to general liability insurance for freight brokers, choosing the right policy is crucial. This section will provide some guidance on how to assess risks, compare providers, and determine policy limits and deductibles. Before selecting a policy, it is important to assess the risks associated with your freight brokerage business. Consider the types of cargo you transport, the routes you take, and the potential hazards involved. This information will help you determine the level of coverage you need. Once you have assessed your risks, it's time to compare providers. Look for insurance companies that specialize in general liability insurance for freight brokers, as they will have a better understanding of your unique needs. Consider factors such as reputation, customer service, and pricing when evaluating providers. Policy Limits and Deductibles When selecting a policy, it is important to understand the policy limits and deductibles. Policy limits refer to the maximum amount the insurance company will pay out in the event of a claim. Deductibles refer to the amount the insured must pay out of pocket before the insurance company will cover the rest. It is important to choose policy limits and deductibles that provide adequate coverage while still being affordable. By following these guidelines and taking the time to carefully evaluate your options, you can choose the right general liability insurance policy for your freight brokerage business. Policy Exclusions and Limitations While general liability insurance for freight brokers is designed to provide coverage for a wide range of risks, there are certain exclusions that are common across most policies. These exclusions typically include intentional acts, criminal activities, and contractual liabilities. Intentional acts refer to any actions taken by the insured party with the intent to cause harm or damage. For example, if a freight broker intentionally misrepresents the weight or classification of a shipment to secure a lower rate, they would not be covered under their general liability insurance policy. Criminal activities, such as fraud or embezzlement, are also typically excluded from coverage. If a freight broker engages in any criminal activity related to their business, they would not be covered under their policy. Finally, contractual liabilities are often excluded from General Liability Insurance policies. This means that if a freight broker is sued for breach of contract, they may not be covered under their policy. It is important for freight brokers to carefully review their contracts and ensure that they are not assuming any liabilities that are not covered by their insurance policy. In addition to exclusions, general liability insurance policies for freight brokers also have certain limitations. These limitations may include restrictions on the types of claims that are covered, as well as limits on the amount of coverage provided. For example, some policies may have limitations on the types of claims that are covered, such as claims related to pollution or cyber liability. It is important for freight brokers to carefully review their policy and ensure that they have coverage for all the risks that are relevant to their business. Another common limitation is the amount of coverage provided. General liability insurance policies typically have a limit on the amount that will be paid out for each claim. It is important for freight brokers to choose a policy with a sufficient limit to cover their potential liabilities. Overall, while general liability insurance for freight brokers provides important protection against a wide range of risks, it is important for freight brokers to understand the exclusions and limitations of their policy to ensure that they are adequately protected. In the event of a claim, the freight broker should promptly notify their insurance carrier and provide them with all relevant information, including the date, time, and location of the incident, as well as the names and contact information of any witnesses. The broker should also gather any available documentation, such as bills of lading, contracts, and invoices. BimaKavach as a direct broker helps in the claim settlement process. Once the claim is filed, the insurer will assign an adjuster to investigate the incident and determine the extent of the damages. The adjuster may request additional information or documentation from the broker, or any other parties involved in the incident. What to Expect The claims process can vary depending on the specifics of the incident and the terms of the insurance policy. However, in general, the following steps may be taken: - Investigation: The adjuster will investigate the incident and determine the extent of the damages. - Settlement: If the claim is covered under the policy, the insurer will offer a settlement amount to the injured party or parties. The broker may be involved in negotiating the settlement amount. - Payment: Once a settlement is reached, the insurer will issue payment to the injured party or parties. Factors Influencing Cost CGL insurance premium starts at Rs 5000 annually for Rs 50 lakh coverage. The cost of general liability insurance for freight brokers can vary depending on several factors. Some of the key factors that can influence the cost of premiums include: - Business size: Larger businesses may have higher premiums due to the increased risk exposure. - Claims history: A history of frequent claims or high-value claims can lead to higher premiums. - Type of freight broker: Some types of freight brokers may be considered higher risk than others, such as those that specialize in hazardous materials or oversized loads. - Coverage limits: Higher coverage limits will typically result in higher premiums. Ways to Lower Premiums While the cost of general liability insurance for freight brokers can be significant, there are several ways to lower premiums. Some strategies to consider include: - Risk management: Implementing risk management strategies, such as regular safety training for employees and proper documentation of all transactions, can help reduce the likelihood of claims and lower premiums. - Higher deductibles: Increasing the deductible can lower the premium, but it also means the business will be responsible for a larger portion of any claims. - Bundling policies: Bundling general liability insurance with other types of insurance, such as commercial auto insurance or workers' compensation insurance, can often lead to lower overall premiums.. By understanding the factors that influence the cost of general liability insurance for freight brokers and implementing strategies to lower premiums, businesses can protect themselves from potential liability while also managing their insurance costs. Additional Coverage Options Freight brokers may want to consider additional coverage options to protect their business from various risks. Two common types of coverage that may be beneficial are cargo insurance and errors and omissions insurance. Cargo insurance covers damage or loss of goods while they are in transit. This type of insurance is particularly important for freight brokers who are responsible for arranging transportation of goods. If a shipment is lost, stolen, or damaged, cargo insurance can help cover the cost of the lost or damaged goods. Cargo insurance can be purchased on a per-shipment basis or as an annual policy. The cost of cargo insurance varies depending on the value of the goods being transported, the mode of transportation, and the destination. Errors and Omissions Insurance Errors and omissions insurance, also known as professional liability insurance, provides coverage for claims arising from errors or omissions in the services provided by a freight broker. This type of insurance can help protect a freight broker from financial losses resulting from legal action taken against them. Errors and omissions insurance can cover a range of claims, including negligence, misrepresentation, and breach of contract. It is important for freight brokers to carefully review their policy to ensure that it covers all the services they provide. Best Practices for Freight Brokers As a freight broker, it is important to have a comprehensive understanding of general liability insurance to protect your business from potential risks. In addition to having adequate coverage, there are a few best practices that can help you further manage risks and minimize potential claims. Regular Policy Review One of the most important best practices for freight brokers is to conduct regular reviews of their general liability insurance policy. This allows you to ensure that your coverage is up to date and that you are adequately protected against potential risks. When reviewing your policy, be sure to consider factors such as your business operations, the types of freight you handle, and any new risks that may have emerged. Risk Management Strategies In addition to having comprehensive insurance coverage, it is also important to implement effective risk management strategies. This can help you minimize the likelihood of claims and reduce the potential impact of any claims that do arise. Some effective risk management strategies for freight brokers include: - Properly vetting carriers and shippers to ensure that they have adequate insurance coverage and a strong safety record. - Developing and implementing effective safety procedures and protocols to minimize the risk of accidents and injuries. - Documenting all transactions and communications to ensure that you have a clear record of all agreements and transactions. - Establishing clear contracts and agreements with carriers and shippers to ensure that all parties understand their responsibilities and liabilities. By following these best practices, freight brokers can better manage risks and protect their business from potential claims. General liability insurance for freight brokers is an essential coverage that protects businesses from financial losses resulting from lawsuits and claims. It provides coverage for bodily injury, property damage, and advertising injury caused by the broker's operations. By having general liability insurance, freight brokers can operate with confidence, knowing that they are protected against common risks associated with their business. It also helps to build trust with clients and partners, as it demonstrates the broker's commitment to protecting their interests. Read about EAR insurance Read about CAR insurance

https://www.bimakavach.com/blog/general-liability-insurance-for-freight-brokers/

The 13th edition of the Allianz Risk Barometer has been released – revealing the top business risks for 2024, based on the views of 3,069 respondents from 92 countries and territories across 24 industry sectors. According to the annual corporate survey, below are the biggest concerns that businesses are facing this year. More specifically, cyber is the top business risk in the UK, the US, Australia, as well as in Asian countries Japan and India; business interruption in Canada, Malaysia, Singapore, South Korea, and Thailand; changes in legislation in China; and natural catastrophes in Hong Kong. “The top risks and major risers in this year’s Allianz Risk Barometer reflect the big issues facing companies around the world right now – digitalisation, climate change, and an uncertain geopolitical environment,” Allianz Commercial chief executive Petros Papanikolaou commented in an emailed release. “Many of these risks are already hitting home, with extreme weather, ransomware attacks, and regional conflicts expected to test the resilience of supply chains and business models further in 2024. Brokers and customers of insurance companies should be aware and adjust their insurance covers accordingly.” What do you think about this story? Share your thoughts in the comments below.

https://www.insurancebusinessmag.com/us/risk-management/news/allianz-risk-barometer-ranks-biggest-business-risks-for-2024-473000.aspx

Firefighters Prepare for Wildland Urban Interface Fires Through Grant Funding The 2020 Sumner Grade Fire in Bonney Lake was a stark reminder of the increasing threat of brush fires in western Washington. Year after year, summer weather contributes to an increased risk of brush fires. In 2022, WPFR responded to 137 brush fires. So far this year, West Pierce Fire & Rescue (WPFR) has already responded to 135 brush fires and the season is far from over. In addition to brush and grass fires, the increasingly hot, dry summers have created a new risk in the community, which are wildland urban interface (WUI) fires. WUI fires happen residential neighborhoods abut heavily wooded areas, like the Chambers Creek canyon. In a concerted effort to better prepare for the growing risk of WUI fires, WPFR has established a WUI response plan supported with specialized training and equipment. Traditional structural firefighting is very different from WUI firefighting. It takes specialized training and equipment in order for firefighters to operate safely and effectively in these hazardous environments. Fortunately, WPFR received approximately $400,000 in federal grant funding for WUI training and equipment. This has helped the District be prepared to operate safely and effectively in the WUI environment. Another essential element of the District’s WUI program is the use of passenger truck-sized vehicles outfitted to fight brush and WUI fires. These “brush-style” vehicles are smaller and provide an off-road capable platform far more maneuverable than traditional fire engines. The District’s WUI program consists of two squads specifically designed to support this specialized type of firefighting. Through a combination of appropriate training, equipment, and specialized vehicles the District is well positioned to manage the risks associated with the realities of longer, warmer and dryer fire seasons. To learn how to better defend your home from wildfire, please click here.

https://www.westpierce.org/wui-training/

About Bowermaster & Associates Insurance Agency Many terms associated with auto insurance can be confusing. For example, what does "comprehensive car insurance" mean? You will get answers to questions and much more when talking about your insurance needs with Bowermaster & Associates Insurance Agency. We work with Nationwide to bring you excellent service and coverage in Cypress. Most states require the purchase of liability coverage. This coverage protects you when you become legally liable for damage to another auto or someone else's injuries from a car accident. Comprehensive coverage provides additional protection for your vehicle from loss due to theft, fire, hail, and other factors. Other offerings include Medical Payments or Personal Injury Protection coverage, and features such as Roadside Assistance. Give Bowermaster & Associates Insurance Agency or another experienced agent a call today at (714) 733-6200. Drivers can discuss options over the phone or in person at 10805 Holder St. Drafting plans for your new home? Don't forget to swing by Bowermaster & Associates Insurance Agency to see Bowermaster & Associates Insurance Agency while you're out picking the perfect bathroom cabinets and looking over color swatches. It's never too early to start protecting your home, and we want to help you do just that with the help of Nationwide Insurance. After all, insurance is all about being proactive, so you might as well take the same approach when it comes to protecting what's likely one of your largest investments. You won't be doing yourself or your home any favors by settling for a basic protection. With basic insurance protection, you may not be getting the quality protection you need. For instance, where you live in Cypress determines your premiums and the specifics of your plan, and your home's security measures are another determining factor. We'll go over your property and your plan with precision to make sure we've taken everything into account before we finalize your insurance. Once that plan is in place, we encourage you to keep us updated on any renovations or other changes you make to your home, as they may warrant a tweak to your protection. Don't wait until an unfortunate incident to learn that you may be underinsured. We'll see to it that you choose a plan to meet your needs and put your mind at ease. Visit our office at 10805 Holder St. We'd also love to hear from you via telephone at (714) 733-6200. Life is full of uncertainties. Your family’s financial well-being shouldn’t be one of them. As you shop for life insurance in Cypress, you likely have many questions running through your mind: • “What are the benefits of term vs. permanent policies?” • “How much coverage do I need?“ • “How much does a life insurance policy cost?" Bowermaster & Associates Insurance Agency and Bowermaster & Associates Insurance Agency can help you find the right policy to protect your legacy and provide financial security for your loved ones when you are no longer living. There are a variety of factors you must consider to determine the amount of coverage you need. First, estimate the amount of debt, final expenses and other financial obligations you might leave behind. Also, think about your income and how the loss of it will affect your family. You want a policy that has a death benefit that covers those costs and leaves a financial cushion. Next, decide what kind of policy you want. There are several types of life insurance available. Base your decision on what you can comfortably afford and your current and future financial goals. Finally, carefully review all policy documents. A life insurance agent can provide clarity on any information or policy language you do not understand. If you have special considerations, do not hesitate to inform one of our team members. Insurance is a smart investment. Getting the right policy is easier than you think. Call (714) 733-6200 for an appointment with an agent. Feel free to stop by 10805 Holder St,Cypress,CA,90630 to discuss Nationwide coverage options in person. At Bowermaster & Associates Insurance Agency we don't believe business owners should leave themselves or their companies vulnerable to liabilities with insurance plans pocked full of holes. Instead, we believe in providing Cypress business owners with the sense of peace that comes from having an insurance plan that deflects the destructive effects of common and not-so-common commercial liabilities. We hope you'll turn to us and Nationwide if you're either unsatisfied with your current insurance protection or need a plan for your brand new business. Because there are so many different options when it comes to insurance, no matter the investment you seek to protect, we always personally shape our policyholders' protection. We don't believe in a one-size-fits-all approach, and we don't expect you to settle for it. By working with Nationwide, our agency offers common commercial coverage, such as property, liability, and workers' compensation. Nonetheless, your business may be in need of special coverage, which includes (but is not all-inclusive of) professional liability, employment practices liability, key employee insurance, and directors and officers liability insurance. Ready to discuss your options for commercial protection? We welcome walk-ins at our office located at 10805 Holder St. Alternately, we'd also love to receive a phone call from you at (714) 733-6200. With Bowermaster & Associates Insurance Agency in the passenger seat, your business journey is sure to be a smooth one Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center. The Bowermaster & Associates Insurance Agency also offers products in AZ, CA, CO, CT, FL, GA, IL, KS, MO, NV, NC, OR, TX, WA, NJ. Please call for information on products in those states.

https://agency.nationwide.com/ca/cypress/90630/bowermaster-&-associates-insurance-agency

Cybercrime is up 600 percent since the start of the pandemic, and higher education institutions are especially at risk. In fact, 74 percent of universities have had to halt valuable research projects due to cyberattacks, 43 percent have had student data leaked and 87 percent have experienced at least one successful cyberattack. Cybersecurity is necessary for schools to stay protected. That’s why, as states continue to realize the risk cyberattacks pose to students and staff, California is providing its community colleges with an additional $100 million in cybersecurity funding this year. To ensure that your school’s cybersecurity is up to standards, cybersecurity audits are essential. The Purpose of a Cybersecurity Audit In higher education, cybersecurity audits identify where an institution is most vulnerable. When it comes to cybersecurity, there’s no such thing as “good enough.” Schools are dealing with research data and the personal data of students and faculty, so cyber protection is paramount. By identifying the strong and weak points of a school’s cybersecurity infrastructure, along with ensuring that security measures follow state guidelines and requirements, cybersecurity audits can provide peace of mind and a recipe for security improvements. Click the banner below for exclusive content about cybersecurity in higher ed. Cybersecurity audits serve as an external assessment of how well your policies, procedures and network are providing a safe environment for your users. This evaluation is essential. The more cyber users you have, the more you’re at risk. How Universities Can Best Prepare To best prepare for a cybersecurity audit, institutions must understand the current state of their security infrastructure. Understanding not just what software is being used but why it’s being used allows institutions to self-audit in advance of a formal audit and upgrade their security accordingly. One security framework that helps schools stay prepared is the zero-trust security model. As the name implies, this model operates under the notion that implied trust of internal or external frameworks is a vulnerability, and that it’s safest to operate without trusting any of them. Zero trust works. Even when cyberattacks are successful, a zero-trust approach reduces the average cost of a breach by $1.76 million. LEARN MORE: A proactive approach to avoiding zero-day attacks in higher education. CDW•G can consult on and enact zero-trust security and other cybersecurity measures to help prepare universities for cybersecurity audits — which CDW•G also fulfills. A one-stop shop for cybersecurity, CDW•G is uniquely suited to help make your school’s cybersecurity as tight as possible. This article is part of EdTech: Focus on Higher Education’s UniversITy blog series.

https://edtechmagazine.com/higher/article/2022/04/how-prepare-cybersecurity-audit

Western Canada has been battling wildfires for nearly two weeks. Authorities warned that the wave of wildfires is unprecedented for this time of the year, and that the country must be better prepared to face July and August, the hottest months of the year. High temperatures — which have broken several records — and strong winds are making it difficult for firefighters to control the blazes. In the province of Alberta, there are 91 active fires, with 27 classified as out of control, according to Alberta Wildfire information unit manager Christie Tucker. “Smoky conditions can make it difficult to fly over wildfires, which can mean sometimes it takes longer for us to get an assessment,” she said at a press conference on Wednesday. The province declared a state of emergency on May 7. More than 17,000 people are still under evacuation orders. So far this year, some 534,000 hectares have been devastated by the flames. A total of 1,600 provincial firefighters are battling the blazes. They have been joined by 600 firefighters from other parts of the country, as well as 300 members of the armed forces. On Monday, Canadian Prime Minister Justin Trudeau visited Edmonton, the capital of Alberta. Soldiers “have been deployed to provide firefighting support, help evacuate isolated communities, and make sure people are safe,” Trudeau tweeted after his visit. The province of British Columbia has also been affected by the fires. There are currently 58 active blazes, mainly in the north of the province. An open-burning ban will begin in the province on Thursday, while a campfire ban will apply to the Prince George Fire Region. In the province of Saskatchewan, there are 27 active fires. The Shaw fire and Vermette fire are of particular concern due to their size: 47,000 and 45,000 hectares respectively. The wildfires have affected air quality in areas hundreds of miles away, including some of the large urban centers. Environment Canada issued a warning in Calgary —Alberta’s most populous city — for smoke and toxic particles, as well as reduced visibility. The department also issued air quality warnings in Regina and Saskatoon, in Saskatchewan province, and for northeastern areas of British Columbia. The forest fires have affected the country’s oil production, which has fallen by about 4%. Alberta — the source of Canada’s main oil reserves — has been hit especially hard. In the summer of 2021, a dizzying rise in temperatures — a phenomenon known as a “heat dome” — triggered a wave of wildfires in western Canada. One of the fires devastated 90% of Lytton, a community in British Columbia. A few days prior to the blaze, it had recorded a temperature of 49.6ºC (121.3ºF), a national record. Sign up for our weekly newsletter to get more English-language news coverage from EL PAÍS USA Edition

https://english.elpais.com/international/2023-05-18/nearly-two-weeks-under-fire-wave-of-wildfires-continues-to-ravage-western-canada.html

Pet insurance plans can be hard to compare in an apples-to-apples way. Coverage, exclusions and pricing variations make it hard to calculate the potential value of each plan. Here’s how to find the best pet insurance for you. Choose the Best Pet Insurance Plan Type Do you want a pet insurance that goes the extra mile every time, or do you want to hold down costs with an accident-only plan that won’t pay anything for pet illnesses? Or something in between? Comprehensive pet insurance plans that cover a wide range of health-related problems plus wellness are typically the most expensive, but it might be worth considering if you want complete coverage. Pet insurance can generally be broken down into these plan types: - Comprehensive coverage. Sometimes called a “nose-to-tail” policy, this typically provides coverage for accidents and injuries, including serious or chronic illness, hereditary conditions, diagnostic tests, surgeries, treatments, and wellness, such as routine veterinary checkups and vaccinations. - Accident and illness coverage. This type of policy typically covers vet bills for accidents (like an ACL rupture) and illnesses, including common illnesses, hereditary conditions and serious illness (like cancer). You won’t be covered for wellness exams such as routine veterinary visits, flea and heartworm prevention, or vaccinations, but you can often add a wellness plan in order to get comprehensive coverage. - Accident-only coverage. This type of policy covers vet bills only if your pet is injured in an accident, and you won’t be covered for illness-related medical bills. - Pet wellness coverage. This type of plan covers wellness-related medical expenses, like routine veterinary checkups, flea and heartworm prevention, and vaccinations. You can often add wellness benefits to an accident and illness plan.

https://ghanagovernment.com/how-to-find-the-best-pet-insurance-for-you-in-2024/

Big rig accidents, involving large commercial trucks, present a distinct set of challenges in personal injury and insurance law. This article explores these unique aspects and offers insights into navigating these complex cases. Magnitude of Big Rig Accidents Statistically, big rig accidents account for a significant portion of vehicular incidents, often with severe consequences. Understanding their societal impact is crucial for grasping the gravity of these cases. Legal Landscape of Big Rig Accidents The legal framework governing big rigs involves multiple layers, including federal and state regulations. This section delves into the jurisdictional complexities inherent in these cases. Unique Challenges in Big Rig Accident Cases Big rig accident cases are complex due to the size of the vehicles and the severity of the accidents. Identifying liability, which can involve multiple parties, adds to the complexity. Investigations in big rig accidents often require reconstructing the accident and analyzing black box data, which are crucial for establishing facts in the case. Dealing with commercial insurers in big rig accidents presents unique challenges, including navigating high policy limits and complex insurance frameworks. Victims of big rig accidents face significant physical and emotional trauma. This section covers their legal options and the importance of securing fair compensation. Big rig drivers face immense responsibilities and pressures. Understanding their perspective, including potential defense strategies, is key for a balanced view of these cases. Regulatory Compliance and Violations Compliance with safety regulations is critical for big rig operators. Non-compliance can have serious legal implications, as discussed in this section. Role of Legal Representation Specialized legal representation is paramount in big rig accident cases. This section highlights how attorneys build and present a case. Settlements and Litigation Settlement negotiations and litigation in big rig accident cases can be intricate. This section guides through the processes of negotiating settlements and preparing for trial. Prevention and Safety Measures Industry initiatives and technological advancements aimed at preventing big rig accidents are explored, highlighting the ongoing efforts for safety. This section discusses emerging trends and anticipated changes in the legal landscape surrounding big rig accidents. Concluding the article, the key points are summarized, offering a final perspective on the unique challenges of big rig accident cases. What makes big rig accident cases unique? The size of the vehicles, severity of accidents, and complex legal and insurance frameworks make these cases uniquely challenging. How is liability determined in a big rig accident? Liability can involve multiple parties, including drivers, trucking companies, and manufacturers, and is determined through detailed investigations. What are the main challenges for victims in these cases? Victims face challenges in dealing with severe injuries, emotional trauma, and navigating complex legal and insurance processes. How do big rig safety regulations impact these cases? Compliance with safety regulations is critical, and violations can significantly affect the legal outcomes of these cases. What role does technology play in preventing big rig accidents? Advances in technology, like improved safety features and accident prevention systems, play a significant role in reducing the occurrence of big rig accidents.

https://houstonmaritimeattorney.org/the-unique-challenges-of-big-rig-accident-cases/

Thomas A. Specht Areas of Practice Thomas concentrates his practice on insurance coverage disputes, defense of insurance bad faith claims, post-trial matters and appeals. He is admitted to practice in Pennsylvania, the United States District Court for the Middle District of Pennsylvania and the U.S. Court of Appeals for the Third Circuit. In 1993, Thomas graduated magna cum laude from the University of Scranton. He then went on to attend Villanova University School of Law, receiving his jurid doctor in 1996. Thomas is a member of the Wilkes-Barre Law and Library Association, the Lackawanna County Bar Association, the Pennsylvania Bar Association and the Defense Research Institute, where he is currently the Third Circuit reporter for DRI's Certworthy publication. Thomas is also the current editor in chief of Defense Digest--Marshall Dennehey's quarterly newsletter that updates its clients on important legal cases and issues. Obtained complete dismissal of all claims on eve of trial where plaintiff’s demand was $10 million. Plaintiff was an emergency medicine technician (EMT) who was severely assaulted during an ambulance transport of a minor patient to a psychiatric facility. The client-physician discharged the patient with orders for sedation and restraints, if needed, during transport. The plaintiff alleged these discharge orders were insufficient and violated standard of care. The defense successfully argued that under Pennsylvania’s Mcare Act, the client-physician did not owe a duty to the plaintiff-EMT, only to the minor patient, and further, that the plaintiff’s Emergency Medicine expert was not qualified to opine on the standard of care provided by client-physician who is an Internal Medicine specialist in that plaintiff’s expert had no expertise in the long-term management of psychiatric patients. Without an expert to opine on the applicable standard of care, the plaintiff’s claim must fail. As a result, the court granted the motion for summary judgment and dismissed plaintiff’s claims. Achieved dismissal, and affirmance of dismissal on appeal, of an insurance bad faith/UTPCPL/breach of contract action seeking $1,000,000 in permanent total disability benefits and extra-contractual damages, where court agreed that the Plaintiff's Complaint did not allege facts sufficient to come within the Policy's terms of coverage, and was not ambiguous. Won summary judgment for insurer in an excess verdict bad faith case, where the underlying verdict came in at 14 times the last offer made by insurer, and subsequently achieved affirmance of summary judgment on appeal. Obtained favorable coverage decision, that resulted in the dismissal of Luzerne County UIM case, in which the Claimant sought UIM policy limits of $200,000.00, and had contended that her status as a "driver listed" on her former boyfriend's automobile policy, and payment of premiums for that status, entitled her to UIM coverage for injuries sustained in a motor vehicle accident. Won motion for summary judgment that resulted in dismissal of coverage matter in which insured sought recovery for rain-damaged property, alternative living expenses and depreciation holdback, where wind during storm had blown tarp off of house during renovation project. Obtained reversal of $700,000 trial court award on appeal, where the Pennsylvania Supreme Court determined that dam owner was not responsible for flooding of downstream property owners and was not negligent as a matter of law. In a case dealing with a novel issue in Pennsylvania insurance bad faith practice, convinced district court to grant a motion to dismiss portion of bad faith claim relating to denial of first party medical benefits, on the basis of PA MVFRL preemption, even though insurer had not utilized PRO process, but an IME, in which doctor had opined that Plaintiff had reached maximum medical improvement. Attained dismissal of a UIM action on Preliminary Objections, where the trial court held that the plaintiff was not entitled to UIM coverage under his employer's commercial automobile policy, on the basis that the Pennsylvania Workers' Compensation Act precluded an action against the co-employee/tortfeasor directly. Accomplished dismissal of breach of contract/insurance bad faith claim, and affirmance of dismissal on appeal, where the plaintiff sought coverage under Businessowners Coverage Form and Cargo Endorsement for spoilage of frozen veal product, convincing the courts that the Cargo Endorsement superseded, and did not conflict with, the language of the Coverage Form, and did not provide coverage for the loss. Persuaded U.S. Court of Appeals for the Third Circuit to affirm dismissal of civil rights lawsuit alleging that local police officer engaged in a conspiracy to violate civil rights of plaintiff through an allegedly wrongful citation that lead to an adverse employment action being taken against the plaintiff. In an action alleging that School District Defendants had defamed Plaintiff Charter School, convinced the U.S. Court of Appeals for the Third Circuit to affirm dismissal of the defendants on the basis that the defendants were protected by high official immunity for defamation claims made against them in their official capacities, and because the charter school, as a governmental entity, was barred by the First Amendment from asserting a defamation claim against the defendants in their individual capacities. Shamnoski v. PG Energy, 858 A.2d 589 (Pa. 2004)

https://marshalldennehey.com/attorneys/thomas-specht

Install the Rebrandly Firefox extension to create and share branded links directly from any page within Firefox. This extension will allow you to instantly brand and share a link to any article you are reading or webpage you are viewing. It's a must-have tool for anyone using Rebrandly and Firefox, making it easier than ever to create and share any webpage directly from within your Firefox browser. Here's how it works: - To install the extension, navigate to the Apps page from within your Rebrandly dashboard, and click on "Get Firefox Extension" - A new window will open with the Firefox Extension page. Hit "Add to Firefox" - A pop-up will appear that will prompt you to install the extension. Click "Add" - The extension will be installed and you will be able to instantly create and share branded links directly from within your Firefox Browser. - To start using the Rebrandly extension, pick out a piece of content you want to create a branded link for. Then click the Rebrandly icon from your Firefox browser. 6. A popup will appear with a branded link that our system generated for you automatically. 7. You're free to pick a different custom domain from the drop-down list. 8. After you've chosen a custom domain, change the slash tag to a keyword that's relevant to the piece you're sharing or your brand. Click "Create link" 9. Your branded link will be created instantly and ready to share. You can also quickly and simply add options like tags, notes, retargeting scripts, UTM parameters or traffic routing rules. This article is about: - Rebrandly Firefox Extension - Create Branded Links from Within Firefox - Using Firefox with Rebrandly

https://support.rebrandly.com/hc/en-us/articles/223366687-How-to-Create-Branded-Links-from-Firefox

Is home insurance tax deductible? Homeownership comes with a multitude of financial responsibilities and considerations, and one question that frequently arises in the minds of homeowners is, “Is home insurance tax deductible?” Home insurance is a vital component of safeguarding one’s most significant investment—their home—against unforeseen disasters and accidents. Understanding the tax implications of this essential expense can have a significant impact on your overall financial planning. In this comprehensive guide, we will delve into the intricacies of home insurance and its potential tax deductibility. Whether you’re a first-time homeowner or a seasoned property owner looking to optimize your tax strategy, this guide will provide you with the knowledge and insights necessary to navigate the complex intersection of home insurance and taxation. Before you embark on your journey to uncover the tax benefits of home insurance, it’s crucial to grasp the fundamentals of both homeownership and the tax code. So, let’s begin by understanding what home insurance entails and why it plays a pivotal role in protecting your home and financial well-being. Is Home Insurance Tax Deductible? Home insurance, while a critical safeguard for homeowners, is generally not tax deductible in its entirety. The primary purpose of home insurance is to protect against property damage, theft, liability, and other unforeseen events, making it a personal expense rather than a tax-deductible business expense. However, there are exceptions and nuances worth exploring. One exception is when part of your home is used for business purposes. In such cases, a portion of your home insurance premiums may be deductible as a business expense if you meet certain IRS criteria. Additionally, some federally declared disaster areas may allow homeowners to deduct a portion of their insurance costs, but this is typically for catastrophic events and is subject to specific guidelines. Furthermore, mortgage interest and property taxes are often deductible, indirectly affecting your overall housing expenses. These deductions can help homeowners reduce their taxable income. Overall, while home insurance itself is generally not tax deductible, homeowners should consider the broader financial implications of homeownership, such as mortgage interest and property tax deductions, which can indirectly mitigate the overall cost of owning a home. For specific guidance tailored to your situation, it’s advisable to consult with a qualified tax professional or accountant. Maximizing Your Home Insurance Tax Deductions Maximizing home insurance tax deductions requires a careful understanding of the tax code and a strategic approach to homeownership. While home insurance premiums themselves are typically not tax-deductible, there are several strategies to optimize deductions related to homeownership: - Home Office Deduction: If you use a part of your home exclusively for business purposes, you may be eligible for a home office deduction. This can include a portion of your home insurance premiums, provided you meet IRS requirements. - Renting Out a Portion of Your Home: If you rent out part of your home, you may be able to deduct a portion of your insurance costs. However, this comes with specific rules, and you must report rental income. - Energy Efficiency Improvements: Some energy-efficient home improvements, like solar panels or energy-efficient windows, may qualify for tax credits, indirectly reducing your home-related expenses. - Disaster Area Deductions: In the unfortunate event that your area is declared a federal disaster, you might be eligible for deductions related to uninsured property losses. - Consult a Tax Professional: To ensure you’re taking full advantage of available deductions, consult a tax professional who can navigate the complex tax laws and help you optimize your tax strategy. Overall, while home insurance premiums themselves are not directly deductible, homeowners can explore various avenues to maximize deductions related to their home and property, potentially lowering their overall tax liability and increasing their financial well-being. Always consult with a tax advisor for personalized advice tailored to your specific situation. Other Tax Considerations for Homeowners Beyond the question of whether home insurance is tax deductible, there are several important tax considerations for homeowners to keep in mind: - Mortgage Interest Deduction: One of the most significant tax benefits of homeownership is the ability to deduct mortgage interest on loans used to purchase, build, or improve your primary residence. This deduction can substantially reduce your taxable income. - Property Tax Deduction: Homeowners can deduct property taxes paid to local governments, further reducing their taxable income. - Capital Gains Exclusion: When you sell your primary residence, you may qualify for a capital gains exclusion of up to $250,000 for individuals or $500,000 for married couples, provided you meet certain ownership and use criteria. This can result in substantial tax savings when selling your home. - Home Equity Loan Interest: Interest on home equity loans or lines of credit may also be deductible if the funds are used to improve, build, or purchase your home. - Energy Efficiency Credits: Certain energy-efficient home improvements, like solar panels or energy-efficient appliances, can qualify for tax credits, reducing your tax liability. - State and Local Tax Deductions: Depending on your state, you may be able to deduct state income taxes, which can be significant for homeowners. It’s essential to keep thorough records and consult a tax professional to maximize these deductions while ensuring compliance with changing tax laws. Homeownership can offer substantial tax advantages, making it crucial to understand and leverage these benefits to minimize your overall tax burden and enhance your financial well-being. Home insurance premiums are generally not directly tax-deductible as personal expenses. However, homeowners should consider the broader tax implications of homeownership, including deductions for mortgage interest, property taxes, and potential benefits from energy-efficient home improvements. While navigating the complex tax landscape, consulting a qualified tax professional is invaluable. While home insurance itself may not offer tax deductions, a strategic approach to homeownership and a thorough understanding of available tax benefits can help homeowners optimize their financial situation and minimize their overall tax liability.

https://wiresee.com/is-home-insurance-tax-deductible/

Wondering why your car insurance rate has become so costly? Car insurance rates can get expensive for a number of reasons, including: - Your age - Your gender - Driving history - Credit score - And more In this article, we’ll explain why car insurance has gotten so much more expensive over the last few decades, as well as why it might be more costly for you. This important info can help you discover strategies to significantly reduce the cost of your car insurance: In 2020, the price of car insurance was over 375 percent higher across the board than in 1985. Why has car insurance increased in price over the years? From 1985 to 2020, inflation in the cost of car insurance measured an average of 4.85 percent per year. This means that, for example, car insurance that cost only $500 per year in 1985 would cost $2,393.55 annually in 2020. If you’re shocked that your car insurance costs way more now than it did a decade (or three!) ago, inflation is likely the most important reason why. Being a young driver can massively increase the cost of car insurance. In fact, age is probably the most common and significant reason for expensive car insurance. Why? The data shows that young drivers (under the age of 25) are more likely to get in car accidents than more mature, experienced drivers (typically considered to be those in their thirties and above). When insuring youthful drivers, insurance companies have to account for the higher likelihood that they’ll have to pay for the expensive consequences of a car accident. On the bright side, once you surpass the age of 25, your car insurance will almost certainly get more affordable. So if this is a factor for you, rest assured that you can look forward to cheaper insurance in the future. Men almost always pay more for car insurance than women. That’s because men are more likely to have DUIs and to get into accidents, especially very dangerous accidents. This is particularly true for young men—past the age of 30, the gender divide in car insurance rates is less consistent. If your location has a record of many/costly car insurance claims, you’ll be forced to pay more for car insurance. Once again, insurance companies are trying to maintain profitability, so they’re accounting for the higher probability that they’ll have to pay you more for future insurance claims. Note that your location isn’t necessarily determined by your city or town. It’s frequently chosen based on your zip code. So if you’re wondering why your friend who lives in a different neighborhood has more affordable car insurance, that may be why. People living in cities also pay more for car insurance than those in small towns and in the country. Drivers who don’t violate traffic laws typically pay less for car insurance. As long as you pay them on time, parking tickets aren’t a concern. What will really increase the cost of your car insurance are moving violations, especially more than one. Car insurance companies are accounting for the fact that drivers with many moving violations and unpaid parking tickets are more likely to file insurance claims. Furthermore, an additional factor is your driving history. At-fault accidents will significantly raise the insurance rate. Insurance companies check the number of at-fault accidents in the 3 previous years. Even if you have a history of being a good, safe driver, a low credit score can contribute significantly to your insurance rates. This depends on your state, however. Some states prohibit insurance companies from using credit scores to determine your insurance rate: Hawaii, Massachusetts, and California. These factors also contribute to high car insurance rates: - The type of car you drive - A gap in insurance coverage - A history of costly past claims - Getting off of your parents’ auto policy (being on your parents’ insurance can make it 66% cheaper) - Costly coverage options (optional coverages can add $1,000+ per year) Now that you understand the causes of high car insurance rates—from systemic economic factors like inflation, to personal factors like your age, gender, credit score, and more—you have the crucial info needed to locate more affordable car insurance.

https://www.carinsuranceguidebook.com/

- 1 How do Marshall public insurance adjusters work? - 2 What is the difference between a public adjuster and an insurance adjuster in Marshall TX? - 3 How long does it take for an adjuster to come out? - 4 How do you become an insurance adjuster in Marshall Texas? - 5 How long should it take to settle an insurance claim in Marshall? - 6 How quickly must an insurance company pay a claim? - 7 What is a public adjuster Marshall and what do they do? - 8 How do you become a public adjuster? - 9 Share this: - 10 Like this: If your house or service residential property is harmed or ruined and you submit an insurance policy case, be prepared to hang out as well as power on the claim process. Listing as well as explaining whatever you shed and also just how much it will certainly set you back to repair/replace each thing takes much more initiative compared to the majority of people realize. That’s called “documenting a claim.” It needs to be done or you won’t get paid the insurance coverage bucks you’re qualified to. And, as soon as that’s done, you should work out with your insurer or you are likely to obtain paid much less compared to you are owed. How do Marshall public insurance adjusters work? There are specialists you can employ to represent you in documenting and also bargaining your insurance policy case. They are recognized in most states as “public adjusters”. Public insurance adjusters work only for insurance holders, not insurance providers. There are two other kinds of insurers: Company, or “staff” insurance adjusters who are utilized by your insurance coverage business, as well as so-called “independent” insurers that function only for insurance policy companies on a contract working with basis. Company/staff and independent adjusters are employed and paid by and report only to insurance coverage firms, not policyholders. They will be appointed by your insurance provider to work with your insurance claim, yet they exist as the insurance coverage firm’s agent … not yours. What is the difference between a public adjuster and an insurance adjuster in Marshall TX? Your insurance company may designate one or several adjusters to your insurance claim over the course of time. Every one might have a various technique and also level of experience. One could have hardly any experience and be hard to communicate with, another might be very pleasant as well as have a lot of experience. Many individuals report to United Policyholders that their first adjuster offered them a negotiation amount, then left the business or was reassigned when a brand-new insurer began, that brand-new insurance adjuster rescinded the deal or made them begin from scratch on the case. We refer to that trouble as “rotating insurance adjusters.” United Policyholders aided pass a law in California to protect customers from being preyed on by rotating adjusters. How long does it take for an adjuster to come out? When you sue, you may be great by yourself, or you may do better by working with aid– it’s an individual decision you ought to make based on your personal situations. A licensed Public Adjuster can be your agent and also supporter when getting your insurance claim “changed” (refined) and “settled”, (paid). As with any professional, some Public Adjusters are much better than others. The last point you require when you’ve endured a major loss is additional problems, so screen very carefully prior to you work with. Withstand high-pressure sales pitches and also do not work with too soon. The insurance claim process involves leg work, paper job, fundamental mathematics, insurance terminology, as well as settlement. How do you become an insurance adjuster in Marshall Texas? Numerous individuals explain their insurance claim experience as a complete time task. The insurance claim process entails research, paper job, fundamental math, insurance policy language, and also negotiation. Listing, explaining as well as valuing everything that was damaged or ruined, meeting contractors, assessors and adjusters and examining records and price quotes is time labor-intensive as well as consuming. In addition to that, negotiating a fair case settlement can be extremely tough – specifically after a psychologically disastrous catastrophe. UP supplies tools and suggestions in order to help you manage your claim by yourself. The insurance defense you paid for includes excellent insurance claim service. How long should it take to settle an insurance claim in Marshall? Insurance coverage is big business, and also you are not on a level playing area with a huge insurance coverage firm. You might discover that finding out the lingo, doing the math and also ensuring your insurance claim is being fully investigated and also fairly paid is excessive for you to manage by yourself. Relying on your scenario; work commitments, health, car pool responsibility, an uncooperative insurance provider, etc., it could just not be useful to try. Each person’s experience and also situation is a little different, so when it comes to deciding whether or not to employ an expert to take the insurance coverage claim difficulties off your plate, the only “right” option is the one that benefits your individual scenario. How quickly must an insurance company pay a claim? If you are having issues with your insurance provider, or if your individual situation is making it hard for you to manage all the information, you could hire a claim help specialist. In many parts of the United States today, you could employ a licensed public adjuster on a “contingent” (percentage) fee basis that will take over managing your case as well as discuss a negotiation on your behalf. A public insurance adjuster is a claim assistance expert you could employ to represent you in documenting and also discussing your insurance coverage case. A public adjuster works only for insurance holders, not insurers. What is a public adjuster Marshall and what do they do? If your house or service residential or commercial property is damaged or destroyed as well as you file an insurance policy case, be prepared to invest time as well as power on the claim procedure. They will certainly be assigned by your insurance policy firm to function on your insurance claim, however they are there as the insurance coverage company’s representative … not yours. How do you become a public adjuster? Your insurance policy company may appoint one or several different insurance adjusters to your case over the program of time. Each person’s experience and scenario is a bit various, so when it comes to making the choice whether or not to employ a professional to take the insurance policy case difficulties off your plate, the only “right” option is the one that works for your individual scenario. A public insurer is an insurance claim help professional you can work with to represent you in documenting and also discussing your insurance case.

https://www.classactionadjusters.com/best-choice-public-adjuster-marshall-tx/

Homeowners insurance plays a crucial role in safeguarding your property and belongings against the perils of winter storms, which are prevalent across the United States. These storms can bring a range of hazards, including heavy snowfall, ice accumulation, strong winds, and flooding. Coverage for Winter Storm Damage Standard homeowners insurance policies typically cover various types of damage caused by winter storms, including: - Roof damage: If the roof is damaged or collapses due to the weight of snow or ice, your insurance policy should cover the repair or replacement costs. - Water damage: If water leaks into your home from a damaged roof or burst pipes due to freezing temperatures, your insurance should cover the repairs and the replacement of damaged property. - Wind damage: If strong winds from a winter storm cause damage to your home's structure, such as broken windows or siding, your insurance should cover the repair or replacement costs. Factors Affecting Insurance Coverage Several factors can influence the extent of coverage provided by your homeowners insurance policy for winter storm damage: - Policy limits: The maximum amount your insurance will pay for covered damages is determined by your policy limits. Ensure you have adequate coverage to address potential winter storm damage. - Deductible: The deductible is the amount you must pay out of pocket before your insurance kicks in. Choose a deductible that balances affordability with your risk tolerance. - Location: Your home's location can impact your insurance rates and coverage. Areas more prone to winter storms may have higher premiums and stricter underwriting criteria. Preventing Winter Storm Damage Taking preventive measures can help minimize the risk of winter storm damage and potentially lower your insurance costs. Consider these steps: - Inspect and maintain your roof: Ensure your roof is in good condition and can withstand heavy snowfall. Regularly check for leaks, loose shingles, and other potential issues. - Insulate your pipes: Properly insulated pipes are less likely to freeze and burst during cold spells. Wrap exposed pipes with insulating material. - Trim trees: Overhanging branches can fall onto your roof or power lines during winter storms. Trim trees regularly to maintain a safe distance from your home. - Prepare for power outages: Keep flashlights, batteries, and a battery-powered radio on hand in case of power outages. Communicating with Your Insurance Company It's essential to communicate effectively with your insurance company before, during, and after a winter storm. Here are some tips: - Review your policy: Familiarize yourself with your policy's coverage details and limitations before a storm hits. - Report damage promptly: Notify your insurance company promptly after a storm to initiate the claims process. - Document the damage: Take photos and videos of the damage to your property for insurance purposes. - Keep detailed records: Maintain copies of all correspondence, receipts, and repair estimates related to the claim. Remember, homeowners insurance is designed to provide financial protection against the unexpected. By understanding your coverage, taking preventive measures, and communicating effectively with your insurance company, you can minimize the impact of winter storms on your property and finances. *Coverage is subject to the policy as written.

https://www.homeservicesinsurance-ga.com/blog/winter-storm-damage-insurance-and-prevention-tips

Even experienced riders are at risk of causing a motorcycle accident – how much more those who are new to riding. The high risk of injuries and bike damage should prompt new riders to get sufficient motorcycle insurance coverage. In Georgia, motorcycle liability coverage is mandatory with minimum requirements. As a new rider, however, you should consider more than just minimum protection. The following coverage will give you an idea of the kind of insurance protection you can get from North Georgia Insurance Center in Commerce, GA. Liability – Due to lack of experience, new motorcycle riders are at greater risk of causing an accident. Liability coverage helps pay for injuries or property damage to others if you’re found at fault in an accident. If injuries or damages exceed minimum liability requirements, you may be held responsible for paying extra expenses out of pocket. For this reason, new riders should consider higher liability coverage. Uninsured/Underinsured Motorist – Unfortunately, there are all kinds of drivers on the road today with little to no insurance coverage. If you’re hit by one of them, this coverage will help pay for damages to your motorcycle and any medical costs. It helps protect your interests when accidents aren’t your fault. Collision – If you own an expensive motorcycle, it only makes sense to protect it against accidents. Collision insurance helps cover the cost of repairing your bike if it’s damaged in a collision. Comprehensive – The more you use your bike, the greater the risk of it sustaining weather damage or being vandalized or stolen. Comprehensive insurance protects your costly investment from these risks so you can enjoy your travels to the full. For affordable motorcycle insurance that will provide the protection you need, contact North Georgia Insurance Center, Commerce, GA.

https://www.ngainsurancecenter.com/blog/2018/08/

In an era dominated by technological advancements, the proliferation of artificial intelligence (AI) has undoubtedly transformed various aspects of our lives. However, as we marvel at the capabilities of AI, it is crucial to acknowledge the potential dangers it poses, particularly in the realm of cybercrime. This article explores the alarming intersection of AI and cybercrime, shedding light on why businesses should consider investing in cyber insurance to safeguard their interests. The Dark Side of AI: A Cybercriminal's Ally As AI continues to evolve, cybercriminals are finding new and sophisticated ways to exploit its capabilities for malicious purposes. The very technology designed to enhance efficiency and streamline processes has become a double-edged sword, providing cyber adversaries with powerful tools to orchestrate attacks. These AI-driven cyberattacks can take various forms including: 1. Intelligent Phishing Schemes: AI enables cybercriminals to craft phishing scams of unparalleled sophistication. Through the analysis of vast datasets, AI algorithms can tailor messages to exploit individual vulnerabilities, making them more convincing and challenging to identify. Users, even those with a keen eye for phishing attempts, can inadvertently fall victim to these personalized and deceptive attacks. 2. Automated Malware with Adaptive Tactics: Traditional malware often follows predictable patterns, allowing cybersecurity systems to detect and neutralize threats. However, AI-powered malware is dynamic and adaptive. It can learn and adjust its tactics in real-time, evading detection and response mechanisms. This adaptability poses a significant challenge to cybersecurity professionals, as they grapple with an ever-changing threat landscape. 3. Deepfake Impersonations: AI's ability to generate hyper-realistic deepfake content poses a new dimension of risk. Cybercriminals can use AI to create lifelike impersonations of individuals, including corporate executives or key personnel. These deepfake videos or audio recordings can be leveraged for fraudulent activities, such as authorizing unauthorized transactions or spreading false information within an organization. 4. AI-Enhanced Social Engineering Attacks: Social engineering relies on manipulating individuals into divulging confidential information or performing actions that compromise security. AI amplifies the efficacy of social engineering attacks by analyzing vast datasets to tailor approaches to specific targets. This personalized approach makes it increasingly challenging for individuals to discern between genuine and malicious communications. 5. Autonomous Cyberattacks: The prospect of AI conducting autonomous cyberattacks is no longer confined to science fiction. AI-powered systems can autonomously identify vulnerabilities, exploit them, and propagate malware without direct human intervention. This hands-off approach streamlines the cybercriminal's operations, allowing for a faster and more scalable assault on targets. In light of these multifaceted threats, it becomes evident that AI is becoming an instrumental ally for cybercriminals. Its capacity to learn, adapt, and innovate on the fly presents a formidable challenge to traditional cybersecurity measures. As businesses embrace the benefits of AI, they must concurrently fortify their defenses against these advanced and evolving forms of cyber threats. The symbiotic relationship between AI and cybercrime demands a comprehensive and adaptive cybersecurity strategy, including the risk transfer cyber insurance can offer. The Growing Need for Cyber Insurance In light of these evolving threats, businesses must proactively protect themselves against the potential fallout of AI-driven cybercrimes. One effective tool in your security stack is investing in comprehensive cyber insurance coverage. Here are a few of the reasons why businesses should seriously consider this proactive approach: Cyber insurance acts as a financial safety net, providing coverage for the substantial costs associated with cyber incidents. From legal expenses and regulatory fines to the costs of recovering compromised data, businesses can mitigate the financial impact of a cyberattack. The fallout from a cyberattack extends beyond financial losses. A tarnished reputation can be equally damaging. Cyber insurance often includes provisions for reputation management and public relations efforts to help businesses rebuild trust with their stakeholders. Incident Response and Recovery: Cyber insurance policies typically include resources for incident response and recovery. This ensures that businesses have access to experts who can mitigate the damage, investigate the breach, and implement measures to prevent future incidents. With the evolving landscape of cyber regulations, businesses face legal implications in the event of a breach. Cyber insurance provides legal protection and coverage for legal fees, helping businesses navigate the complex legal aftermath of a cyber incident. While the integration of AI into our daily lives brings numerous benefits, it also amplifies the risks associated with cybercrime. The proactive decision to invest in cyber insurance is no longer a choice but a strategic imperative for businesses seeking to navigate the intricate landscape of AI-driven threats. By understanding the potential dangers and taking proactive measures to mitigate risks, businesses can safeguard their assets, reputation, and future viability in an AI-dominated world. For a quote on Cyber Insurance for your Business, please give us a call today or complete this application: Cyber Quote

https://www.thehartwellcorp.com/post/unveiling-the-risks-ai-s-role-in-facilitating-cybercrime

Car accidents are unexpected events that can leave individuals feeling overwhelmed and unsure of what steps to take next. Whether it’s a minor fender bender or a more serious collision, knowing how to respond is crucial. In this article, we’ll guide you through six essential steps to follow after being in a car accident. From ensuring safety to seeking legal counsel from attorneys near you, being prepared can make a significant difference in handling the aftermath of such incidents. 1. Assess Your Safety and the Safety of Others When a car accident occurs, the first priority is safety. Check for injuries and call for medical help if necessary. Move to a safe location and activate hazard lights. Ensure the well-being of passengers and others involved. Even seemingly minor injuries may require medical attention. Stay at the scene and cooperate with authorities. 2. Call Emergency Services Immediately after a car accident, call emergency services to report the incident. Dial the local emergency number, typically 911 in the United States. Inform the dispatcher about the location of the accident and any injuries involved. Emergency services will dispatch law enforcement officers and medical personnel to the scene. The police will create an official accident report, documenting the details of the collision. This report can be crucial for insurance claims and potential legal actions. When talking to the police, stick to the facts and avoid speculating about the cause of the accident. Cooperate fully with the officers and provide all necessary information. Remember to obtain the names and badge numbers of the responding officers for reference. 3. Gather Information and Document the Accident Scene After ensuring everyone’s safety, gather essential information about the accident. Exchange contact and insurance details with the other driver(s) involved. Obtain names, addresses, phone numbers, license plate numbers, and insurance policy information. If there are witnesses, ask for their contact information as well. Their statements can be valuable for insurance claims or legal proceedings. Take photos of the accident scene, vehicle damage, and any relevant road signs or traffic signals. Document the weather and road conditions at the time of the accident. This information can help determine liability. Additionally, note the names and badge numbers of any responding law enforcement officers. 4. Notify Your Insurance Company Promptly contact your insurance company to report the car accident. Provide accurate details of the incident. Be honest and transparent about what happened. Your insurance company will guide you through the claims process. They will need information about the other parties involved and any witnesses. Cooperate fully with your insurance adjuster. Follow their instructions and provide all requested documentation promptly. Be cautious when discussing the accident on social media. Information shared online could impact your claim. 5. Seek Medical Attention and Keep Records Even if you feel fine after the accident, consider seeking medical attention promptly. Some injuries may have delayed symptoms. Keep records of all medical visits, treatments, and expenses related to the accident. These documents will be crucial for insurance claims. Follow your doctor’s advice and attend all recommended follow-up appointments. Document any pain, discomfort, or limitations resulting from the accident. This information can support your claim for damages. 6. Consult with an Experienced Car Accident Attorney If you’re facing complex legal issues or significant injuries resulting from a car accident, seeking advice from an experienced car accident attorney is essential. They can help protect your rights and ensure you receive fair compensation for your damages. An attorney can navigate the intricacies of insurance claims, negotiate with the insurance company on your behalf, and, if necessary, represent you in court. When looking for legal assistance, consider searching for “attorneys near me” to find local professionals who are familiar with the specific laws and regulations in your area. In the aftermath of a car accident, taking prompt and informed action is paramount. By following the six steps outlined in this guide, you can protect your well-being, gather vital evidence, and navigate insurance claims more confidently. Remember to prioritize safety, seek medical attention when needed, and keep records diligently. If the situation calls for it, don’t hesitate to consult with experienced car accident attorneys near you to ensure your rights are protected and just compensation is pursued. By being proactive and knowledgeable, you can minimize the stress and uncertainty that often accompany such incidents and pave the way for a smoother recovery process. James Martin is a passionate writer and the founder of OnTimeMagazines & EastLifePro. He loves to write principally about technology trends. He loves to share his opinion on what’s happening in tech around the world.

https://eastlifepro.com/6-steps-to-take-after-youve-been-in-a-car-accident

First let’s know what is insurance. All things we own have a value. If you have insurance for some of the things you own, you can get the cost amounts through the insurance if there is any accident or damage to it. For example, if you drop your mobile phone and break it, you can claim the amount and buy it. In terms of insurance, there are two categories as Own damage and Third party damage. Own damage means that if you accidently crash your car somewhere and damage it, it will be covered under Own damage. If someone else crashes on you and causes an accident, it will be included in third party damage. Now how can we choose a best car insurance? Here are some tips to choose the best car insurance. Most of the time everyone chooses Premium. What I mean is please don’t choose premium. Most of the time you make this mistake. Because agency or sales person cheat you by showing low premium. IDV is something to consider if you are looking for car insurance. IDV stands for Insured Declared Value. If you go to an insurance agent, he will give you IDV 6 lakhs instead of 7 lakhs so that you pay less premium. Since IDV is less, if your car is stolen, you will get only 6 lakhs instead of 7 lakhs. Is there complete coverage? should be taken care of. That is what we call 0DP Insurance. That is Zero Depreciation Car Insurance Policy (0DP). If you have a normal insurance policy, you will not get the total amount for your accident car. You get only 60% from Insurance. That is, if you have 0DP insurance, you will get the full amount. Cashless service network policy. Through this the insurance companies will have a tie-up with the garage or service centre. This way you don’t have to spend your money, the insurance company will pay the total amount for the repair. Claim Settlement Ratio. That means it is better to look at the company that pays the claim properly and get insurance. Because they will reject for small reasons. Due to this you may not be able to claim the money. No Claim Bonus. If any company gives you maximum No Claim Bonus, it is better to choose it. Insurance renewal is more important than all this. Keep these 5 things in mind before insuring.

https://finzsecure.com/insurance-finance/how-can-we-choose-a-best-car-insurance/

P&C Underwriting Coach (SME) Salary: up to £67k We’ve partnered with a multinational insurance group in their search for an experienced underwriter to take on the Senior Underwriter Coach role within the New Business team. There will be specific focus and dedication towards the coaching of the New Business Underwriters, ensuring the delivery of financial targets, by encouraging and driving exceptional performance. - Coach, train and develop Underwriters to continually improve their technical and trading capability and delivering the financial targets of the SME business. - Be the referral point for Underwriters, coaching Underwriters to make decisions within their empowerment and providing technical and trading input to improve the quality of underwriting decisions. - Delivery of planned underwriting result for designated accounts through proactive account review, analysis of underwriting trends and improvement plans implemented to improve profitability. - Manage underwriting relationships with key brokers from designated accounts to deliver profitable growth. - Actively manage and review underwriting standards and licences within the team ensuring effective management and deployment of empowerment. - Support Trading Team Manager to effectively manage the service provided to brokers and input to the performance management of Underwriters. - Audit & Governance- maintain and monitor an effective control environment compliant with all regulatory & relevant group control standards. What we’re looking for: - Coaching and development skills within in a similar environment and experience of working in teams and successful record of delivering results. - Progress towards Dip CII qualification desirable or equivalent experience - Technical underwriting expertise in a commercial insurance environment - Sound understanding of insurance market and processes across commercial lines insurance operations. - Excellent interpersonal skills, through written and verbal communication skills - Proven experience in decision making on a wide range of technical underwriting scenarios within a Commercial environment. - Strong trading capability – commercial awareness, negotiation skills, ability to build strong broker relationships. - Pragmatic decision maker with good analytical and numerical reasoning skills - Strong analytical skills with proven experience of account monitoring and action planning - Excellent risk assessment and risk management skills. If that describes you and you want to learn more, please apply and I will contact you shortly with further information. Feel free to reach out to me at:

https://heatrecruitment.co.uk/job/pc-sme-underwriting-coach-2/

Health insurance Open Enrollment ends Jan. 15th. The word ‘insurance’ can be defined as an arrangement by which one party agrees to pay another in case of some uncertain event. This is a type of insurance that is used to protect the insured against any health problems. Health insurance in Lubbock, Texas, is basically designed to cover the expenses of medical treatment of the individual or family. It can be used to pay for the treatment of chronic diseases like diabetes, cancer, hypertension. The premiums of these plans are usually based on the age and gender of the individual. Some companies even offer free health checkups to their employees. There are different types of health insurance policies available today. The most common ones are hospitalization, dental, vision, life, and disability insurance. The basic difference between these policies is the time period for which they provide coverage. For instance, the policy that provides coverage only for the duration of the illness may not be suitable for people who are suffering from chronic conditions. In such cases, it is better to go for a policy that provides coverage for a longer period of time. It is important to understand the terms and conditions of the policy before buying cheap health insurance Lubbock. You should also compare the benefits and the costs before deciding upon the plan. If you want to get your health insurance through the government (Obama Care/Affordable Health Care Act), then you need to know the rules and regulations pertaining to this. You should also take care of the deductibles and There are various online websites that offer health insurance quotes. These sites can help you in getting necessary information about the policies, but can be confusing. So, save yourself some time and headache, and contact your local independent insurance agent. The agents are trained and certified with the knowledge to explain health insurance and get you the best policy. You don’t have to do insurance all alone. Hettler Insurance Agency, in Lubbock Texas, can help you every step of the way. Don’t miss the Open Enrollment period for health insurance. Call Hettler Insurance Agency in Lubbock, Texas @ (806) 798-7800, M-F, 8:30am-5pm.

https://hettlerinsurance.com/2021/12/17/cheap-health-insurance-lubbock-texas-explainer-article/

Firefighters with CAL FIRE/San Diego County Fire are currently combating a vegetation fire that has scorched an area south of Otay Mountain, near the community of Tecate. The blaze, now dubbed the #Border38Fire, was reported to occupy an area between 3 to 5 acres. Despite its slow spread, the challenging terrain has limited the ability for ground crews to access the site, prompting the deployment of air resources. According to a tweet from CAL FIRE/San Diego, efforts to quell the fire from above are underway. Complicating matters is the landscape, which necessitates that fire personnel be ferried to the flames by helicopter. An update provided by CAL FIRE/San Diego via Twitter revealed that air resources have been effective in slowing the progression of the fire. In a follow-up post, the department stated, "Fire crews are being shuttled to the fire by helicopter due to inaccessible terrain. The air resources are making good progress slowing the fire spread." #Border38Fire [Update] Fire crews are being shuttled to the fire by helicopter due to inaccessible terrain. The air resources are making good progress slowing the fire spread.— CAL FIRE/SAN DIEGO COUNTY FIRE (@CALFIRESANDIEGO) December 5, 2023 Images from @ALERTCaliforniahttps://t.co/cq8zRDFykG pic.twitter.com/OEN2mJ3c5I Local communities remain vigilant as the firefighting efforts continue, with authorities closely monitoring the situation to protect nearby residents and property. The cause of the fire is yet to be established, and no casualties or property damage have been reported at this time. Remaining updates will be provided by CAL FIRE/San Diego as the situation evolves.

https://hoodline.com/2023/12/cal-fire-san-diego-battles-vegetation-fire-near-tecate-air-support-leveraged-due-to-inaccessible-terrain/

Insurance Washington, D.C. Personal, Commercial, Management Liability Insurance You could save or more in just a few clicks. Get A Quote WHAT IS THE RIGHT INSURANCE POLICY FOR YOUR NEEDS? Every area in the Northeast has its own rules and regulations for insurance coverage. What is true for a fisherman in Maine may not be true for a bodega owner in New York City. This is why it’s important to find an insurance advisor who understands what your city and state requires to cover everything that matters to you. JAISIN is a global insurance advisory firm dedicated to offering our clients intuitive insurance solutions, exceptional and focused service, and a central base of contact for any of your risk management needs. No matter where you live or work, whether you’re looking for commercial or personal lines of coverage, JAISIN can customize a solution for you. We don’t simply provide insurance policies; we provide the perfect cost-effective mono-line and multiline insurance products. Whatever your lifestyle, whatever you own, we’ve got you covered. Jennifer A. Bishara Personal Lines Leader “Going the extra mile is second nature to everyone at JAISIN. We strive to make all our client interactions as seamless and smooth as possible. We’re just a click or call away, 24/7.” Are you a car aficionado, with multiple vintage or collector cars in your garage? Or do you prefer to be out on the water in your yacht? Even if you’re just looking to cover your home, condo, or car, our insurance advisors will tailor coverage to impeccably cover what’s most important to you. Click below to learn more about our personal insurance line offerings. Health & Life Kidnap & Ransom Private Client Solutions Commercial businesses have more to think about when it comes to insurance coverage, especially when you’re in the small to mid-size range. Depending on your business, you may need at minimum property, general liability, and worker’s comp insurance policies. Working with insurance advisors who understand all of the challenges of your business saves you not only money on your premiums, but time spent doing all of the research yourself. Click on the link below to learn more about our commercial product lines. Property & Casualty Jason A. Bishara “Our name, JAISIN Insurance Solutions, says it all. Our key differentiator is not how many plans we sell. It’s how many risk management challenges we solve for our clients.” Management Liability Insurance If your company is publicly traded, privately traded, or a nonprofit, then your board members will need management liability insurance (e.g. D&O, E&O, fiduciary, etc.). The team at JAISIN has personal and professional experience in management liability insurance, and understands how to bundle the best insurance carriers to create the best coverage solutions without paying a platinum price. Click below to learn more about our management liability insurance products and how we can help your business find the right coverage. Professional and Financial Practice Liability Insurance Simply by providing their services, professionals (e.g., accountants, attorneys, investment advisors, consultants) expose themselves to risk and financial losses every day. Because our advisors have years of experience in this market, we understand the kind of insurance coverage required to protect your personal assets and your practice from liabilities that arise from advising others. That, and our strong network of carriers, gives us an edge when creating professional insurance programs that deliver broad, cost-effective coverage. Click below for professional and financial practice liability insurance product lines. Errors & Omissions (E&O) Directors & Officers (D&O) PROTECT WHAT’S YOURS JAISIN’s Washington team members are familiar with all the complexities involved in safeguarding the personal and commercial assets of Washington residents and business owners. You can count on us to provide innovative insurance solutions to protect your assets and then to negotiate on your behalf for the broadest coverage at the most cost-effective price. The end result: Peace of mind wherever you are.

https://jaisin.com/washington-d-c/

What is an Unemployment Insurance Number? An Unemployment Insurance Number is Virginia’s version of an Unemployment Tax Insurance ID Number. Do I need an Unemployment Insurance Number to Register on the Virginia Workforce Connection online site? No, it’s optional. However, businesses in Virginia that have staff must register for an Unemployment Insurance. The link to do so is here. Am I required to ENROLL for an Unemployment Insurance Number as an Employer? If your business has employees in Virginia, you will need to pay Virginia unemployment insurance (UI) tax. What’s the link to ENROLL for an Unemployment Insurance Number? Why can’t PERM-Ads.com ENROLL my business for an Unemployment Insurance Number for me? Our firm specializes in primarily pricing and placing ads for PERM Labor Certification recruitment purposes, and while SWA Job Orders are part of the mandatory recruitment, assisting firms with Registering a Virginia Workforce Connection Online account is the limit of our services. Registering your firm for Unemployment Tax Insurance or any other State-run program is beyond the scope of our expertise, training or authority. It’s a job best done by your company ownership in collaboration it’s accounting staff. We’ve gone the extra mile in providing this FAQ just to aim you in the right direction.

https://perm-ads.com/swa-job-order/swa-ui-virginia-workforce-connection-faq/

CCG IQ 2020 Annual Report For years CCG IQ’s damage assessment brands, HVACi and StrikeCheck, have been publishing separate annual claims reports to equip carriers with data-driven facts and trends to help them control claim leakage and keep a superior policyholder experience. This year, all of CCG IQ’s suite of services, including claims assessments, underwriting inspections, and lightning verification, are highlighted in the CCG IQ 2020 Annual Report. This offers an enhanced overview of a broader spectrum of risks and perils that impact a carrier’s overall book of business for better decision-making. Fill out the form to receive key insights into perils and hazards that have affected policies throughout their life cycle. The data reflects the thousands of claims, underwriting, and lightning assignments CCG IQ completed in 2020 using technology and experience to provide insurance carriers objective, knowledgeable, and timely policy solutions. The report includes: - Reported vs. actual cause of loss, repair and replacement costs, and frequency of claims by item type for HVAC systems and all electrically powered items - Claim trends for time of year, states, and claimed amounts - Catastrophe claim data - Lightning data by month, location, and frequency - Average coverage amount vs. replacement amounts - Frequency of certain home characteristics, roof problems, and property features - States with the highest potential for hazards - Plus, a demonstration of how claims, lightning, and underwriting data can be combined for better decision-making about a specific region Review the annual report and consider how CCG IQ can support your carrier’s efforts to increase carrier efficiency and improve claims leakage and loss ratios.

https://strikecheck.com/webinars/ccg-iq-2020-annual-report-linkedin/

Prepare Your Business For The Future If your business survived 2020 and 2021, there is hope for the future. Having survived the past is a good indication that your business is strong and prepared for the future. But it is essential to understand that the risks of the past change and the risk your business faces will be different. It will be important to understand your future risk to have a strategic plan on how to analyze, manage and insure these new risks. Trends That Are Not So Good It is becoming more frequent for non-insurers to establish insurance firms. Some automakers now provide or even design their auto insurance packages to sell alongside the vehicles they produce. Insurers rely on data to determine their coverage and price. This takes the relationship and uniqueness out of the process. We believe it is vital to understand the uniqueness of each business, not lump them together. More insurers are offering online insurance. So now, business owners will have to determine what coverage they need without any professional help. This will also allow insurers to limit coverage and even deny claims without the business having proper representation. Future Risk Trends Environmental, social and governmental activism Businesses are becoming a target for many new areas of social and governmental influences. Make sure your insurance can address these issues. Did you know that the average business has a greater chance of having a cyber breach than it does of having a fire? It is true, and your business insurance policy most likely will not cover cyber liability losses. This new world of connected devices promises insights on which companies can base strategic decisions. The next few years will be a special time for most businesses. It will be important to understand how to design an insurance and risk plan that can respond to losses that allow your business to continue. Today's complex business environment does not occur in a vacuum. Companies are interconnected networks with several internal and external stakeholders. As the business world grows more interconnected and dynamic, it's critical that you have a thorough grasp of the risks to your day-to-day operations and are prepared to handle them. Business interruption losses can range from decreased sales to increased operating costs because of the loss of a crucial supplier to the loss of future revenue streams as a result of a disruptive incident. New Work Environment Agents and insurers may increase their relevance by providing specialized protections for remote workers and small home-based enterprises that reflect how people live and work today. Businesses' needs are not the same, and the insurance and risk solutions they are provided should match their individual risks. In order to ensure that the program that is tailored to each and every customer, agents should develop relationships and insurer analytics to better understand their customers' risk exposures. Understanding the business's needs and risks leads to a framework for providing better solutions to their customers.

https://totalinss.com/newsletter.html?title=prepare-your-business-for-the-future-11013

Basic auto insurance is the insurance mandated by the state to comply when driving in that state. At CO Insurance Specialist in Wheat Ridge, CO, we offer our customers personalized service and more choices. As independent insurance agents, we work for our customers, not for one insurance company. In Colorado, basic auto insurance is 25/50/15. This is liability coverage only, and it requires $25,000 for the first person injured in an accident, with a total of $50,000 for all injuries and $15,000 for damage to property. If you have a car loan or are leasing your vehicle, you will be required to have coverage on the vehicle itself since the lender or lessor has a vested interest in it. If your vehicle has very little value, or you would not want to repair it if damaged, then basic insurance can be right for you. But if you love your car, need your car, and have enough assets to make you an attractive candidate to get sued, then having more than basic auto insurance may be the right option. Increasing your liability is probably desirable for most people with assets. When repairing or replacing your vehicle, you need to carry collision and comprehensive coverage. - Collision will repair or replace your vehicle if you have an accident you are responsible for or if you are the victim of a hit-and-run. - Comprehensive covers theft and vandalism to your vehicle. It also covers damage from things falling on it, flooding, and other weather events. If you live in Wheat Ridge, CO, or nearby, you can count on our team at CO Insurance Specialist to provide a high level of service and the best possible price.

https://www.coinsurancespecialist.com/blog/page/2/

Truck Insurance is a valuable part of any truck owner/operator, small or independent. You can reduce your insurance costs while still ensuring the safety of your business and employees. The first step is to do a background check. You should look for drivers with clean driving records. This is one thing insurance companies look for in order to reduce your premiums. It is a good rule of thumb to hire drivers who have not been convicted of any minor offenses in the last three years. The more experience a truck driver has, generally speaking, the better they are able to handle bad weather, road rage and other dangers that truck drivers face every day. It’s not surprising that insurance companies take experience into account when determining your premiums. This is why you should only hire CDL-experienced drivers. Take a look at your routes Your insurance premiums can be affected by the routes you drive. Driving in areas that are more frequented by bad weather or high traffic can lead to more accidents. You may be able lower your insurance rates if you avoid these areas. Take a look at your trucks You should only purchase the right vehicle for your job. A larger truck or one that costs more could lead to higher insurance rates. Keep up with your truck maintenance and add safety features to your trucks. Take into account Policy Structure Combining multiple insurance policies with the same company can often lower your overall cost. A higher deductible can reduce your annual premiums. However, you must have the deductible amount available for any claim. Make safety a priority Your DOT Safety record is a key factor in determining your insurance rate. The same goes for your insurance claims history. This includes how many claims have you filed and the amount of those claims. Your rates will be lower if you have a good record and you file fewer claims. Although you cannot do anything about the claims history of your past, there are steps you can take to reduce future claims. This will lead to significant savings in the long-term. Create a safety culture with safety programs and safety training for your drivers. This is the simplest tip to lower your truck insurance rates Tego Insurance agents are experts in truck insurance. They will help you find the right coverage for your needs and challenges. As independent agents, they can compare the cost of the coverage with multiple insurance companies to ensure that you get the best rate.

https://www.dailyinsurancestudy.com/top-tips-for-saving-on-truck-insurance/

New Hampshire Insurance Continuing Education We are an approved New Hampshire Insurance Department education provider (Provider ID# 130287). At Your Pace Online makes completing your New Hampshire Insurance Producer CE a breeze. With us, your classes are always available to you, so they can be done any time of day or night! Our courses are approved by the state, and when you're finished, we'll report your credits to the state, for free. New Hampshire 24 Hour Life & Health Package This course provides all 24 hours of CE that you need! This course will review key concepts and principles of Life & Health insurance. It includes 3 hours of ethics education and 21 hours of general Life and Health topics. New Hampshire Department of Insurance (ID Numbers: 6000099848 and 6000099847) New Hampshire 24 Hour Adjuster Package This course provides all 24 hours of Multi-line Adjuster CE that you need! This course will review key concepts and principles of property and casualty topics. It includes 3 hours of adjuster ethics and 21 hours of mutli-line adjuster topics. New Hampshire Department of Insurance (ID Numbers: 6000102082 and 6000102081) New Hampshire 24 Hour Property & Casualty Package This course applies to producers in the P&C line of insurance, and provides all 24 hours of the CE that you need! In the course, we will review key concepts and principles of Property and Casualty insurance. It includes 21 hours of Property & Casualty education and three hours of Ethics. New Hampshire Department of Insurance (ID Numbers: 6000099830 and 6000099847) New Hampshire 21 Hour Life & Health Review This 21 hour continuing education course is designed to help insurance producers renew their licenses. The course is broken into two parts that focus on life and health insurance respectively. The topics discussed include policy provisions, annuities, qualified retirement plans, health insurance policies, disability coverage, group health insurance, and long term care insurance. New Hampshire Department of Insurance (ID Numbers: 6000099848) New Hampshire 21 Hour Property & Casualty Review Insurance producers who take this course will gain 21 hours of continuing education on property and casualty insurance. This course discusses a number of subjects including insurance for private residences, automobile insurance, commercial insurance, and workers’ comp. New Hampshire Department of Insurance (ID Numbers: 6000099830) New Hampshire 21 Hour Adjuster Course This course provides 21 hours of Multi-line Adjuster CE! This course will review key concepts and principles of property and casualty topics. This course discusses a number of subjects including insurance for private residences, automobile insurance, commercial insurance, and workers’ comp. New Hampshire Department of Insurance (ID Number: 6000102081) New Hampshire 8 Hour Initial LTC Continuing Education Course This 8 hour class is approved by the State of New Hampshire. It meets the mandatory initial continuing education requirement to start selling Long Term Care Insurance for those licensed in accident and health, or life. New Hampshire Department of Insurance (ID Number: 479146) New Hampshire 4 Hour Long-Term Care Ongoing CE This course applies to producers who need to renew their Long-Term Care Certification to continue selling LTC Insurance. This course will review key principles and concepts related to long-term care insurance policies. No additional reporting fees. New Hampshire Department of Insurance (ID Number: 479145) New Hampshire 3 Hour NFIP Review This 3 Hour course will meet your one-time Certification Requirements to start selling Flood Insurance in the state of New Hampshire. No additional reporting fees! New Hampshire Department of Insurance (ID Number: 479144) New Hampshire 3 Hour Ethics Review This course applies to producers in all lines. It includes Ethics for Insurance Producers. This course satisfies all 3 hours of ethics training for any NH insurance producer. New Hampshire Department of Insurance (ID Number: 6000099847) New Hampshire 3 Hour Adjuster Ethics Review This course applies to adjusters of all types. It includes Ethics for Insurance Adjusters. This course satisfies all 3 hours of ethics training for any NH insurance adjuster. New Hampshire Department of Insurance (ID Number: 6000102082) New Hampshire Insurance Continuing Education Requirements Resident producers must complete a minimum of 24 credit hours of New Hampshire-approved producer continuing education subjects each biennial (2-year) license term. Courses approved for adjusters only are not accepted to meet this total. At least three credits must be in ethics subjects, but no more than 10 ethics credits are applicable toward the 24-hour requirement. Resident adjusters are required to complete 15 credit hours of approved CE every two years. As of January 1, 2020, three of these credits must be in ethics subjects. Depending on the adjuster's line of work, there are additional guidelines: - Multi-line adjusters: Multi-line adjusters may take only courses approved for multi-line or workers' compensation. The CE requirement for multi-line adjusters increased from 20 to 24 hours biennially, including three hours of ethics courses, as of January 1st, 2020. - Workers' compensation adjusters: As of January 1, 2020, the CE requirement increased from 20 to 24 credit hours biennially. Of this requirement, three hours must be in ethics subjects and a minimum of 10 hours must be completed in subjects approved for workers' compensation. The remaining CE hours can be completed in any subject approved for adjusters. Additional guidelines to this CE requirement exist for licensees who sell specific products, including: - Life and Health insurance: Producers must complete a one-time, eight-hour training course and 4 hours of ongoing long-term care (LTC) training every renewal period - Annuities: Resident producers must complete a one-time, four-hour training course - Flood insurance: Resident producers must complete a one-time, three-hour course that covers the minimum training requirements established by the National Flood Insurance Program (NFIP). CE coursework may be in-classroom, online, or through self-study. The New Hampshire Department of Insurance also accepts completed coursework that satisfies professional designations including LUTCF, CLU, ChFC, and CFP. Per state regulations, companies are required to provide anti-fraud training and cybersecurity awareness training (as of January 1, 2020) to employees as well. Rules for Non-Residents Non-residents in compliance with their own state's CE requirements are exempt from completing New Hampshire CE, provided their home state's requirements are similar to those set by New Hampshire law. This includes CE requirements for producers selling annuity and long-term care products. Non-resident producers who do not have a CE requirement in their state may be required to comply with standards set for their line of work by New Hampshire. Non-resident adjusters who do not have to complete CE training in their home state must complete 15 hours of New Hampshire-approved CE coursework. If declaring New Hampshire as their Designated Home State, adjusters must meet resident requirements. The New Hampshire Department of Insurance may verify a non-resident's compliance and standing with their home state's license requirements. Carryover of Excess CE Excess CE credit hours earned cannot be carried over from one biennium to the next. Insurance License Term Renewal Requirements The license expiration date for both producers and adjusters is on the last day of the licensee's birth month biennially, based on the year of licensing. The New Hampshire Insurance Department sends licensees a renewal notice 60 days prior to their license expiration date. This reminder is sent to the licensee's email address on record with the Department. Non-receipt of this email, however, does not disqualify a licensee from meeting their CE requirements. Licensees must complete CE requirements 60 days before their expiration date for their license to be renewed by the State of New Hampshire. - CE completed in this 60-day window prior to license expiration will be accepted but an additional late fee will be charged. This fee is $50 for producers and $25 for adjusters. - CE completed after license expiry will be accepted to reinstate a license. The late fee for past-expiry CE credit submitted is $100 for producers and $50 for adjusters. - If a licensee does not comply with CE requirements within 2 years of license expiry, they must apply for a new license and re-take the licensing exam. Renewals must be processed online through the NIPR website. Licensees are eligible to renew their license from 60 days prior to their expiration date. License renewal fees are: - $150 for insurance producers - $75 for insurance adjusters Rules for Taking the Exam Certification exams are open book and students are permitted to access course materials during the exam. Exams do not require a monitor. A score of 70 percent or higher is required to receive CE credit, and unlimited retakes are permitted until a passing score is achieved. Rules for Repeating a Course Credit will be granted only once for the completion of the same course repeated during an individual renewal period. A course can, however, be repeated for CE credit in different renewal periods. Credit for Instructors CE course instructors are eligible to receive the same credit as the students enrolled in the course taught. Instructors are only eligible to receive credit for an individual course taught once per renewal period. Credits must be reported to State Based Systems (SBS) within 15 days of course completion, which should be submitted to the state directly by the course provider. It is recommended that you complete all CE at least 30 days prior to your CE due date (which is 60 days before the license's expiration) to give the CE provider sufficient time to report successful completions to the New Hampshire Department of Insurance. However, CE courses can be completed at any time within the current license term. CE students are required to pay a $1.00 per credit hour reporting fee. This fee is paid to the education provider and then forwarded to SBS. Insurance CE Requirement Exemptions Some resident licensees may qualify for CE exemptions, including: - New licensees renewing their license for the first time - Title insurance producers - Licensees holding limited lines licenses that do not require an exam - Licensees holding limited or restricted licenses declared exempt by the commissioner Annuity Insurance Requirements Producers intending to sell, solicit, or negotiate annuity products or represent an insurer in relation to an annuity product in New Hampshire must complete a one-time, 4-hour certification training course. This course covers topics including: - The fundamentals of annuity contracts, individual suitability, and sales practices - Variable and fixed annuities, immediate and deferred plans, and different types of premiums and appropriate tax rules Long-Term Care Training Requirements Producers in New Hampshire selling long term care policies certified as a Qualified Partnership must be licensed as an insurance producer for accident and health or life. These producers are required to complete an initial one-time, eight-hour training course. To maintain this license, producers must complete four hours of LTC training every biennial renewal period. This training can apply to the licensee's CE requirements.

https://www.einsurancetraining.com/new-hampshire-insurance-continuing-education?ref=atyourpaceonline_catalog

Finansinspektionen has analysed whether loyal policyholders pay higher premiums for the three non-life insurance products that are most important for consumers: home insurance (contents), home insurance (building) and private car insurance. The analysis shows that premiums for home insurance (contents) are raised significantly more for loyal customers than for new customers. The premiums for home insurance (building) also are raised more for loyal customers, but this does not apply to private car insurance. The supervisory authorities in the UK and Ireland have previously observed that insurance undertakings raise their premiums more for loyal policyholders than they do for other policyholders. New rules have thus been introduced in the UK and Ireland to prevent such pricing. FI's analysis shows that price discrimination is also present on the Swedish market. For a consumer, it is difficult to know how the undertakings set premiums and even more difficult to determine what would be an excessively high premium in relation to the inherent risk. FI takes the position that the premiums should reflect the risk posed by the insured and the insurance undertakings' estimated costs. To rectify the price discrimination, FI will maintain a dialogue with the industry as a first step. The analysis also shows that new customers receive a discount for their insurance. The act of offering initial discounts cannot be viewed on its own as an unfair treatment of policyholders. However, FI takes the position that the discounts could be problematic if they are financed by unjustified and unfair premium increases for loyal policyholders. FI would also like to emphasise that it is important for consumers to compare not only prices but also the terms that apply for an insurance.

https://www.finansinspektionen.se/en/published/reports/reports/2022/do-loyal-policyholders-pay-more/?

A personal trainer has to go through a training course and get a certificate before he can practice his profession. When he or she decides to go use the certificate and the degree, he may not be able to practice with the gym right away. A gym may require a personal trainer to buy personal liability insurance before he even gets the chance to work with the clients of that particular gym. When applying for a job as a personal trainer, you must determine whether you are hired as an employee of the facility or as an independent contractor. If you are hired as an independent contractor working with the gym, you must purchase personal liability insurance. What Should A Person Look for When Buying Personal Liability Insurance The first concern for almost all shopper will be the price they pay when purchasing an insurance policy. Budgetary matters are important, but they should not be the first consideration of an independent contractor. Check Situs Slot Online to make sure you have adequate lawsuit and medical protection. Liability insurnce policies should also include a fair amount of medical coverage, because the risk of a trainer causing injury is fairly high. You should include a smaller chance of coverage for the chance of damaging gym equipment when performing your professional duties. Should I Compare Quotes When a personal trainer has determined that he has the right level of coverage, comparing quotes is a good idea to make sure you are getting the best price. Be sure not to look just at the price though, because a lower price may indicate that you have an inadequate amount of coverage. Do not just compare rates when looking at the price. If you want to know what the average rates for liability insurance in your state is, go to the website of the state department that regulates insurance companies.

https://www.johnschlitt.net/personal-trainer-liability-insurance-quote.htm

The US automotive insurance market is a dynamic and complex landscape that plays a crucial role in the nation's financial and risk management system. With over 280 million registered vehicles on American roads, the demand for automotive insurance remains consistently high. This market is characterized by a diverse range of insurance providers, each offering a variety of coverage options to cater to the diverse needs of drivers. One of the key factors influencing the demand for automotive insurance in the US is the legal requirement for drivers to carry a minimum level of coverage. This mandatory coverage, typically liability insurance, ensures that drivers can financially compensate others for any damage or injuries they may cause in an accident. As a result, the vast majority of American drivers are obligated to purchase and maintain auto insurance, creating a constant and substantial demand for coverage. The US automotive insurance market is also shaped by various external factors, including economic conditions, regulatory changes, and advancements in technology. Economic fluctuations can impact the affordability of insurance for consumers, influencing their purchasing decisions. Regulatory changes, such as modifications to insurance laws or requirements, can also have a significant impact on the market dynamics, prompting insurance providers to adapt their offerings accordingly. Advancements in technology are increasingly influencing the automotive insurance landscape. The rise of telematics, for example, has allowed insurers to collect real-time data on driving behavior, enabling them to offer more personalized and usage-based insurance policies. This technology-driven approach has the potential to reshape the market by fostering competition and encouraging innovation in coverage options. Competition among insurance providers is another factor that drives the demand for automotive insurance. The market is populated by a mix of large national carriers, regional players, and specialized insurers, each vying for a share of the market. This competition often results in a diverse array of coverage options and pricing structures, providing consumers with choices that align with their specific needs and budget constraints. The US automotive insurance market is also witnessing a shift towards digitalization. With the increasing prevalence of online platforms and mobile applications, consumers now have greater accessibility to insurance information, quotes, and policy management. This digital transformation not only enhances the overall customer experience but also introduces new avenues for insurers to reach and engage with their target audience. Despite the consistent demand for automotive insurance, challenges persist within the market. Issues such as fraud, rising medical costs, and the impact of natural disasters on claims frequency and severity pose ongoing challenges for insurers. As a response, the industry continues to evolve, with insurance companies adopting advanced analytics and artificial intelligence to mitigate risks, streamline operations, and enhance their ability to accurately assess and price policies.

https://www.marketresearchfuture.com/reports/us-automotive-insurance-market-14063

Waukesha, WI -- The Wellness Council of America, (WELCOA), with local affiliate Wellness Council of Wisconsin, recently presented its coveted Gold Well Workplace to R&R Insurance Services. R&R Insurance Services has 4 locations and more than 160 employees. The Gold Well Workplace Award recognizes an organization for its commitment to the health and well-being of their employees. By achieving the Gold Well Workplace Award, R&R Insurance Services has made a long-lasting commitment to the health and well-being of its employees. As stated by WELCOA President David Hunnicutt, “There is an art and science to designing a results-oriented workplace wellness program. R&R Insurance Services has mastered this art and science by demonstrating its program has advanced employee health, reduced health care costs, and improved productivity and morale. Great companies know that by improving their employees’ health, they can reduce health care costs.” R&R Insurance Services has been promoting wellness in the workplace for both their employees and their clients well before wellness in the workplace was popular. R&R’s historical progression of improving the health, welfare and lives of their employees has proven to have a direct impact on the company’s health insurance premiums. R&R has a well-established Wellness Committee, weekly wellness activities, and strong commitment from every level of management within the company. “R&R Insurance Services has truly earned the distinction of America’s Healthiest Companies. R&R’s commitment to improve the quality of life of its employees has placed them in the elite ranks of the state of Wisconsin’s healthiest companies,” states Jessica Raddemann, Wellness Council of Wisconsin Executive Director. R&R Insurance Services, Inc. has served the insurance needs of southeastern Wisconsin since 1975. Today, R&R is Wisconsin’s largest singly owned independent insurance agency offering businesses and individuals a full range of insurance products including property casualty, employee benefits, workers compensation, liability, life, dental and home/auto. R&R is also a shareholder with Assurex Global, a worldwide network of leading independent insurance agencies. For information about R&R Insurance Services, visit R&R online at www.myknowledgebroker.com.

https://www.myknowledgebroker.com/blog/topic/welcoa-award

Students get an overview of medical insurance and learn coding procedures, and insurance billing procedures. Students learn through computerized billing simulations how to create, save, retrieve, edit, and maintain patient files. In addition, post payments to patient accounts, produce insurance claim forms, correct and resubmit rejected claims, produce insurance claim activity reports and enter electronic claims. At New York Medical Career Training Center, medical billing training is of 60 hours. This program is designed to help students get an overview of medical insurances and the associated billing and coding procedure. Students are taught billing techniques with the help of computerized simulations, which shows how to create, edit, retrieve, and save patients’ insurance record and files. These professionals are assigned the task and responsibility of processing patient's records and data related to their treatment and medical insurance information. While small medical offices may assign the task of both billing and coding to one individual, these are actually two separate jobs. Coders are responsible for assigning codes to medical processes for the purpose of obtaining right reimbursement from insurance companies. They do not have to interact with patients or insurance agencies, and so this profession is good for candidates, who like crunching numbers, analyzing information and processing codes. Medical billers are responsible for correctly billing insurance agencies and ensuring medical reimbursements. They interact directly with insurance companies as well as patients. Upon completion of training, candidates get qualified to work in clinics, hospital, nursing homes, dental offices, and other such medical units, where medical coder and billers are always required.

https://www.nymedtraining.com/training-options/medical-billing/

Traveling is a wonderful experience that allows an individual to explore different cultures, meet new people, and create unforgettable memories. However, it can also be unpredictable, and unforeseen circumstances can turn your dream vacation into a nightmare. That’s where travel insurance comes in. Patriot Platinum Travel Insurance is a reliable insurance policy that provides comprehensive coverage for travelers, ensuring that you have a worry-free and secure travel experience. What is Patriot Platinum Travel Insurance? Patriot Platinum Travel Insurance is a comprehensive travel insurance policy that provides extensive medical coverage, emergency transportation, trip interruption, and baggage protection. It is designed to provide peace of mind to travelers, ensuring that they are protected in the event of unforeseen circumstances that may occur while traveling. Why Do You Need Patriot Platinum Travel Insurance? Traveling can be unpredictable, and unforeseen circumstances can happen at any moment. These circumstances can include medical emergencies, trip cancellations, lost baggage, and other unexpected events that can ruin your vacation. By having Patriot Platinum Travel Insurance, you can enjoy your trip without worrying about these issues. The policy covers medical expenses, trip cancellations, emergency transportation, and lost or stolen baggage, ensuring that you have a worry-free travel experience. What Does Patriot Platinum Travel Insurance Cover? Patriot Platinum Travel Insurance provides comprehensive coverage designed to protect travelers in the event of unforeseen circumstances. The policy covers: |Covers medical expenses in the event of illness or injury while traveling. |Covers transportation costs in the event of a medical emergency. |Covers non-refundable trip expenses in the event of trip cancellation due to unforeseen circumstances. |Baggage Loss or Delay |Covers lost or delayed baggage and personal effects. |Accidental Death and Dismemberment |Covers accidental death or dismemberment while traveling. How to Purchase Patriot Platinum Travel Insurance? Purchasing Patriot Platinum Travel Insurance is easy and can be done online. You can visit the official website of the insurance company and purchase the policy online. You can also consult with a travel insurance agent who can assist you in selecting the right policy for your needs. Patriot Platinum Travel Insurance provides comprehensive coverage for travelers, ensuring that they have a worry-free and secure travel experience. By purchasing this policy, you can enjoy your trip without worrying about unforeseen circumstances that may occur while traveling. With its extensive coverage, purchasing Patriot Platinum Travel Insurance is a wise decision for anyone planning a trip.

https://www.travelersplans.com/patriot-platinum-travel-insurance/

If you’ve booked a holiday, chances are you’ll be looking forward to a relaxing time away. The last thing you’ll want to think of is anything potentially going wrong. However, no matter where you go or what you do, accidents can still happen. Whether you’re away for a personal holiday, on a business trip or taking part in extreme sports, the cost of travel insurance can differ massively to take your travel purposes into account. The insurance can cover you against any injuries you may sustain while away, or if any of your possessions get damaged, lost or stolen. Depending on where you travel to, your cover or your premium may differ. If you’re staying within Europe, it’s possible to receive cheaper travel insurance as opposed to taking out a Worldwide travel policy. Additionally, if you hold an EHIC (European Health Insurance Card), this currently allows you to receive healthcare for free or a reduced cost in certain EU countries. However, it’s important to note that EHIC shouldn’t be treated as a substitute for travel insurance, but instead can complement your travel insurance policy as an additional document. Different policies may cover different aspects of your travel. This could include specialist cover if you’re taking part in activities or winter sports where the risk of personal injury is higher. Holidays taking place on a cruise may also require a specific policy, as they may not be covered as standard. Common features of a standard travel insurance policy: Please note that this is not a guaranteed list of what will be included in your specific policy. It’s strongly advised that you should check your individual policy to be aware of exactly what’s covered. At Arkwright Insurance, we work hard to find the right policy that matches your specific requirements for the best possible price. Whatever your reasons for travelling, you’ll be able to find insurance for a business trip, family holiday, couples’ cruise or winter sports event with our exceptional knowledge of the insurance sector. Through our extensive panel of insurers, we’ll provide you with a highly competitive quote to beat other quotes you might find elsewhere. To get an instant quote online, click the “Get a quote” button on this page and fill out the appropriate details for your trip. Alternatively, you can speak to us directly by calling 01204 392 525 where one of our expert team will be available to talk through the specifics of your travel insurance needs.

http://webdesigneronline.co.uk/travel-insurance/

Insurance Advisor in Troy, Michigan Hello and thank you for visiting my website. My name is Jeffrey Pratt, a trusted insurance advisor in Troy, Michigan, and I’m the principal agent of American Insurance Advisors, LLC. I have been offering quality health and life insurance products for the past 16 years. There have been many changes in these insurance products throughout my career. I have continued to remain on the forefront of industry knowledge. This allows me to offer the best product and plan choices to you, my clients. Shopping for health and life insurance can be confusing! Jeff takes the confusion away from this process by explaining how each insurance product works in a way everyone can understand. By representing several insurance companies, Jeff is able to provide his clients with a choice of benefits based on their individual needs and budget. Jeff is completely neutral when presenting different insurance plans, sharing the pros and cons of each company. Every agent will tell you their plan is the best. Doesn’t it make sense to check with someone who knows the industry and can give you a fair analysis? Jeff will give you the facts, including a description of coverage and prices to help you decide what best suits your needs. When Jeff is not helping clients, he enjoys spending time with his family, mountain biking and skiing. If you would like to work with an honest, hardworking insurance agent, please fill out an online quote request form or just give me a call at 248-895-0000. I look forward to working with you to find the best insurance plan for you!

http://www.americaninsuranceadvisors.com/insurance-advisor-in-troy-michigan

The recently enacted American Rescue Plan Act (ARPA) may help reduce health insurance costs for millions of Americans in 2021. The law expands the Premium Tax Credit from the Affordable Care Act, which can reduce the cost of insurance premiums. Some taxpayers who did not previously qualify for the credit are now eligible, while many current recipients will see an increase in their credit amount this year. In order to claim the Premium Tax Credit, you must purchase health insurance through the ACA Insurance Marketplace, sometimes called the Exchange. You can access the Marketplace by visiting healthcare.gov. The new rules will enable many Americans to improve their health insurance plan, lower their premiums or both. To give people time to explore options, the 2021 ACA Special Enrollment Period (SEP) has been extended through August 15. Ordinarily, the SEP is only available for people who experience a qualifying life event (such as a job change) or do not currently have insurance. However, the extended 2021 SEP also allows those who are already insured through the Marketplace to explore new coverage options. The U.S. Department of Health and Human Services estimates that about one in four current ACA enrollees will benefit from shopping for a new plan. They may be able to get more comprehensive coverage for the same premiums they currently pay, or pay significantly lower premiums for their current level of coverage. A professional tax advisor can help you determine whether you qualify for the Premium Tax Credit. If so, comparing insurance plans during the 2021 SEP could bring you substantial savings, or the peace of mind offered by more complete coverage.

https://sincoffcpa.com/newsletter/special-healthcare-enrollment-period-extended-to-august-15/

What is flood insurance and what does it cover? Did you know that flooding is the most common type of natural disaster in the United States? Furthermore, flooding occurs in 90% of all U.S. natural disasters, leading to billions of dollars in damages every year.1 You might be surprised to learn that flooding – although extremely common – is not typically covered by a standard home insurance policy. But don’t worry, there are options available to cover your property from flooding, which typically requires you to purchase a separate flood insurance policy. What exactly is flood insurance? Flood insurance is usually purchased in addition to home insurance and can protect your property and its contents up to a certain amount, dependent upon the coverage limits of your policy. In many areas, you can purchase flood insurance through the National Flood Insurance Program (NFIP). Recently, some private insurers have begun offering this type of protection as well. Your insurance experts at Answer Financial always recommend comparing quotes and coverages to make sure you’re getting the right protection for your situation and needs. What is covered by flood insurance? When comparison shopping for flood insurance, it’s smart to make sure you know what type of flooding is covered. Most flood insurance covers: - direct physical losses - damages resulting from a flood or flood-related erosion - damages from heavy or prolonged rain, snow melt, coastal storm surge, blocked storm drainage systems or levee dam failure, among others.1 Your insurer may also have some criteria about what is considered a “flood.” For example, if the flooded area was on less than two acres or didn’t affect multiple properties, your insurer may not consider it to be a claim-worthy event. Do I need flood insurance if I don’t live in a flood zone? Some people assume they don’t have a need for flood insurance if they don’t reside in a flood zone or near a river, but that may not always be the wisest decision. Flood awareness is important, especially if you live near: - creeks or ponds - an area that gets heavy snow - near a steep hill with water runoff - an urban or suburban neighborhood If you’re in a geographic region like one of these, it’s smart to consider purchasing an affordable flood insurance policy. For people living in developed areas packed with impervious surfaces like parking lots, roads and sidewalk, urban flooding (sometimes referred to as urban runoff) can be a risk. If an event like a hurricane were to happen, heavy rains could cause flooding from excessive runoff.2 There may not always be a flood warning before one comes your way, so we recommend preparing for the worst, so your property is covered and protected. Are there differences between NFIP and private flood insurance? One benefit of choosing a private insurer instead of the NFIP is the option to buy higher coverage levels, if needed or desired. If you’re concerned the value of your home or its contents may exceed what a standard policy usually covers, private flood insurance could be a worthwhile option.3 Most – if not all – NFIP policies do not take effect for the first 30 days after purchase. Private flood insurers may offer shorter waiting periods. If you have concerns about getting a policy in place quickly, private flood insurance might be your best bet. You don’t want to wait for a disaster to strike before getting your flood insurance in place. What should I do before a storm to protect my property? If you live in a region that’s prone to flooding, being a homeowner could be a bit daunting. Although a natural disaster like a flood is often unavoidable, there are some actions you can take to protect some of your more valuable property. If you live in a two-story home and know a flood is on the way, move your most expensive furniture and items to the second story to avoid any water damage. You can also purchase sandbags to try and blockade water from entering your home. Stack them like bricks along the exterior perimeter to create a flood water barrier. Lastly, don’t forget to create a flood safety kit so you have first-aid materials and other emergency items within arm’s reach if disaster strikes. Photographing your property and belongings can also be important if you ever need to file a flood insurance claim. The more documentation you can provide to your insurer, the better. As your insurance experts, we recommend taking photos of your home’s foundation, the interior and exterior walls and the contents of your home. It’s important to prove the condition of your property before a flood occurs so your insurer is able to quickly and accurately assess any damages. Who is Answer Financial? Answer Financial is one of the largest personal lines insurance agencies in the U.S. and works with dozens of top-rated carriers to bring consumers like you the right fit for your auto, home, renters, flood, motorcycle and other insurance needs. We understand no two situations are alike, which is why customers consider us to be a smart choice when looking to compare, buy and save on insurance. On our mobile-friendly website, insurance shoppers can quickly compare rates and customize coverages from multiple companies. If you have any questions along the way, our insurance experts are standing by to provide over-the-phone guidance. Over the years, we’ve helped more than 5 million people like you review their current policy and find affordable home insurance for their needs. You can speak with us at 1-800-258-5101 to buy or change your coverage from top-rated insurance companies. December 19, 2023 - Insurance Information Institute, “Spotlight on: Flood Insurance,” https://www.iii.org/article/spotlight-on-flood-insurance - Risk Factor "What is Urban Flooding?” https://help.riskfactor.com/hc/en-us/articles/360048726353-What-is-urban-flooding-Visit-Risk-Factor-to-check-your-risk - Insurance Information Institute, “Do I need flood insurance for my home?” https://www.iii.org/article/do-i-need-flood-insurance-for-my-home

https://www.answerfinancial.com/insurance-center/what-is-flood-insurance-and-what-does-it-cover/?a=retail

For good reason, the insurance industry has primarily focused on what it regards as ‘primary’ perils – namely, tropical cyclones and earthquakes – as catastrophic events like Hurricanes Andrew, Katrina, Ian, and the Tōhoku earthquake, have generated significant market losses –and even threatened an insurer’s survival. If you focus on Europe, for instance, windstorms would be regarded by the industry as a primary peril and have the potential to generate a multi-billion euro-insured loss. But for Europe, the cumulative effect of small to mid-sized loss events, such as flooding, hailstorms, or tornadoes – so-called ‘secondary’ peril events – can lead to increasing and alarming levels of loss for many (re)insurers. Single secondary peril events can be multi-billion-euro events, such as floods in Germany in 2021, which saw insured losses range between €5bn to €6.5bn. Flood events in northern Italy earlier in 2023, or hailstorms in France in 2022, have all reached the billion-euro level. And according to a Gallagher Re report, during 2022 “… secondary perils were again the most expensive on an economic basis and exceeded those on the insured loss side.” The frequency of secondary peril events in Europe will more than regularly outpace that of primary peril events, and severe convective storms and floods are often more unpredictable and localised than a pan-Europe windstorm. Secondary perils are also more prone to being exacerbated by both climate change and external economic factors such as increases in property exposure and inflation. Erosion of earnings A severe European windstorm can indeed generate industry-wide losses impacting large swathes of the market, with all insurers taking their share of the losses. But for secondary perils, any uptick in severe weather events and an increased volume and magnitude of claims for a specific insurer, can see secondary peril losses chewing away at a firm’s earnings, with c-suite executives then asking why earnings performance lags their peers. Small, frequent secondary peril events can cause a year-over-year erosion of earnings, contributing to earnings risk, which is inherently tied to loss volatility. As these are smaller events, the individual loss events slip under the insurance firm’s risk radar, viewed as too small to take seriously with dedicated modelling, or just too sporadic and localised to be understood. But if these smaller secondary peril events are dominating losses and challenging the status of primary events, is it time to drop this ‘secondary’ label and reflect the true scope of their potential impact – as earnings perils? There is an understandable logic around investing in cat risk modelling for a primary peril that in a single event can cause a big loss, and a loss that could threaten liquidity and capital availability. But if cumulatively, secondary peril losses are challenging total losses from primary perils, then these perils must justify the same level of sophisticated modelling as is expended on primary perils. However, measuring earnings perils can pose a challenge, as it requires the use of risk models with a high level of detail, the ability to aggregate and measure correlation across multiple perils within the same event, and the capability to financially model complex policy terms and outwards reinsurance policies. But growing computing power through the cloud, together with technological advances over recent years, is helping deliver the required level of granularity to more accurately model high-gradient perils. Moody’s RMS recently published a white paper using European climate risk as a case study to examine the market challenge of understanding earnings risk, with three key findings. You can download the white paper here. High-definition risk modelling Over the last few years, Moody’s RMS has built its high-definition risk modelling framework used in our risk modelling across many country markets and perils. This framework embodies new approaches, such as temporal modelling and event simulation across long-time scales of 50,000 years, to account for tail risk and deliver high-resolution location-specific analysis. High-definition (HD) models have been introduced in Europe for all main climate perils. Unique in the market, Moody’s RMS suite of European high-definition models covers windstorms, severe convective storms and floods. Whether gaining insights on a single peril for a single country, multiple countries and perils, or a pan-European view of risk, these capabilities provide underwriters with a more informed understanding of the frequency and severity of modelled perils and a more realistic representation of risk. It is worth noting that the decision to classify a peril as an earnings peril or a primary peril will depend on a (re)insurer’s portfolio, given that a (re)insurer’s portfolio might have limited windstorm exposure but significant flood exposure. Regardless, introducing the term ‘earnings perils’ underscores the significance of these risks and their potential impact on the profitability of a (re)insurer.

https://www.commercialriskonline.com/earnings-perils-redefining-the-risks-that-matter/

Each year, millions of people in the United States are injured in accidents. Many of these accidents are unfortunately caused by the preventable carelessness or malicious intent of others. The law protects those harmed by negligent parties and allows the injured to seek compensation for their suffering. If you or a loved one has been injured in an accident resulting from negligence or intentional harm of others, you may be entitled to receive just compensation for your physical and psychological injuries. To protect your rights and ensure that you are taking all of the necessary actions in the recovery process, you should contact a Personal Injury lawyer. Our law firm handles all personal injury cases including: - Motor Vehicle Accidents - Trucking Accidents - Motorcycle Accidents - Pedestrian Accidents - Drunk Driving Accidents - Brain Injuries - Medical Malpractice - Professional Negligence - Product Liability - Fires and Explosions - Plane Crashes - Railroad Crossing Accidents - Nursing Home Abuse - Catastrophic Injury/Accidental Death - Intentional Tort - Class Action Lawsuits Our skilled attorneys will take the time to learn all about your case and assess whether or not you should take the initial settlement offered by the insurance company. We have the foresight and skill to look at the road ahead and consider future damages which may harm the victim for years to come including pain, emotional trauma, and subsequent injuries. With this knowledge, our personal injury law firm can properly evaluate the full extent of the damage and help to determine if the initial settlement is fair and adequate to ensure your full physical and financial recovery. If our attorneys feel the initial settlement offered was unjust, we will aggressively pursue damages against the individual or company that caused the harm. This claim may be based on: - Negligence—When the injury was a direct result of the defendant’s failure to act. - Causation—When the actions of an individual or company cause the injury - Malicious Intent—When the injury is the result of intentional harm. When this is the basis of the claim, a criminal case is usually involved as well. - Product Liability—When a product does not meet safety standards. In the days following our initial meeting with you, we will reconstruct the accident and obtain evidence to support your claim. We routinely work with medical professionals, forensic experts, and private investigators that can conduct a detailed investigation and produce an independent analysis of your accident. In far too many cases, one’s rights are permanently forfeited because the injured person believed what he or she was told by the insurance company. Insurance companies will employ significant resources to challenge your claim in order to maximize their profits. With powerful legal teams and years of experience, these large corporations often have the edge when dealing with the injured. In such difficult situations, you take a tremendous risk if you don’t have solid legal counsel and representation on your side. Our experienced personal injury attorneys, however, can help to level the playing field and will work diligently to ensure you receive the compensation you deserve. While our personal injury law firm cannot undo injury or suffering, we can put that suffering into words so that we can seek damages for our injured clients. We are dedicated to obtaining the very best recovery possible for you through experienced, professional, and aggressive representation. For more information on personal injury in Texas, contact us and we will guide you through the process. Consultations are FREE.

https://www.ghuneimlaw.com/practice-areas/personal-injury/

The Nevada Supreme Court examined Nevada's so-called "prompt-pay" statute, NRS 690B.012, in a decision dated November 21, 2007. See, Allstate Ins. Co. v. Thorpe, 123 Nev. Adv. Op. No. 52. That statute "requires casualty insurers to approve and pay, or deny, casualty claims, including claims for medical payment benefits, within a limited time frame. Under the statute, an insurer must pay interest on any untimely claims payments." In the appeal before them, "the Court considered whether NRS 690B.012 grants private rights of action to medical services providers who administer care to persons insured under contracts of "casualty insurance," so that the medical services providers may sue the person's insurer, if that insurer fails to promptly pay claims." The Court held that "NRS 690B.012 does not expressly create a private right of action in favor of an insured's medical provider to sue an insurer who fails to make prompt payments to the insured or the insured's medical providers. Instead, the statutory scheme contemplates an exclusive administrative procedure for resolving claims concerning alleged violations of NRS 690B.012, under which those persons with a direct and immediate pecuniary interest in prompt payment may proceed. We therefore conclude that (1) there is no private right of action in the district court under the statute, but (2) medical providers, as persons with a direct and immediate pecuniary interest in the prompt payment of medical payment benefits, may seek administrative remedies before the Nevada Department of Insurance (NDOI), subject to judicial review under the Nevada Administrative Procedure Act."

https://www.nevadainjuries.com/personal-injury-blog/2007/november/no-private-right-of-action-under-prompt-pay-law/