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Car Insurance for Divorced Parents with Teenagers Going through the process of divorce is challenging enough for your family as it is. If?you already have teenagers who can drive you surely don?t need more difficulties?by setting up?the right insurance coverage. Divorced parents should take note of these details when considering?car insurance for their teenage drivers. One or Two Insurance Policies? Divorced couples are required to have separate auto insurance policies. However, the number of policies that would cover your teen driver will depend on your insurance company. In this the case, you have to consult your agent about their procedures regarding this situation. Parental Custody Considerations If you have custody of your?child and he ?uses the car regularly, it?s important that you include his name under your insurance policy. The same goes if your ex-wife or ex-husband has the primary custody – the teen driver?s name should be included in their insurance policy. On the other hand, if you have joint custody over your teenage driver, both parents should add his name to their individual auto insurance policies. It’s essential especially if he has the access to drive the cars regularly. When in doubt, if the child has access to drive your car they should be on your policy. For teen drivers who are lucky to have their own cars, it?s usually most affordable to have the child and his or her vehicle included in one of the policies with their parent however that might not always be the case. At?Velox Insurance, we can guide you on how to choose whether one policy or two is optimal for you and your teen driver. Something to Avoid To save money, some divorced parents try not to include their teen driver in any of their insurance policies. Unfortunately this decision is putting you and your child at risk. In case of an accident there may be issues if it looks like you purposely avoided adding a child that should have been listed on your policy. Get All the?Discounts There are lots of ways to get insurance discounts from your carrier?and every discount is important when it comes to insurance rates for teen drivers. Make sure?your teen driver completes a safety driving course. Discounts are sometimes?available to?teen drivers who get good grades. Talk to your insurance agent to find out more about the discounts available in your situation. Set the Right Example Show your kids how to drive responsibly and safely. Being their role model inside the house and on the road will help you set the rules. Don?t let your child use the car without asking for permission. You might want to?control the keys for the first twelve months after they obtain their license. Setting the rules and making sure that your young driver follows will help you ensure their safety on the road. Know your options and the best insurance policies by checking with one of our agents. Here at Velox Insurance, we will provide you the right coverage for the right situation. Call us today at 1-855-Go-Velox. You can also click here to contact us and learn?more about our programs for divorced parents of teen drivers.

https://veloxinsurance.com/blog/car-insurance-for-divorced-parents-with-teenagers/

Many employers and private insurers offer short and long term disability insurance policies to provide income to those who have been injured and cannot work while they are recuperating. Unfortunately, long term disability claims are often denied, which can be devastating for a victim and his or her family, especially if the household is supported by a single income. However, those whose claims have been denied do have legal recourse, either through the Employee Retirement Income Security Act (ERISA) appeals process or the court system. If you live in Chicago and were recently denied long term disability coverage for an injury, it is crucial to retain an experienced long term disability attorney who can explain your legal options. If a long term disability policy was procured from a private insurer or a government or church employer, the claimant can file a claim for reconsideration in court immediately following the denial without having to go through an appeals process. Depending on the reason for the denial, the claimant may be required to provide additional medical documentation or fix any problems with the original claim application. Unfortunately, many claims are denied not due to the fault of a claimant, but because of the bad faith actions of an insurer or a breach of contract. In these cases, the claimant can sue for additional punitive damages. Both short and long term disability claims provided by private employers are regulated by ERISA. This means that those whose claims have been denied must first go through the ERISA-approved appeals process before filing a private lawsuit. These claims must be filed within 180 days of the initial denial to receive reconsideration. The claimant may be asked to submit additional information, including: If after review, a claim is again denied the claimant can file a lawsuit in court. However, plaintiffs appealing a denied claim cannot seek bad faith or punitive damages in court because ERISA preempts these types of state law claims. As a result, denied claimants can only sue for the benefits they are owed under the terms of their plans. Even those who plan ahead and invest in long term disability insurance may have their claims denied when they need help the most. In these cases, claimants can appeal their denied claims and have their cases reviewed. Unfortunately, this can be a difficult and time-consuming process, so if you have been denied benefits under a long term disability plan, please contact Michael Bartolic, LLP by calling (312) 635-1600 or by completing one of our standard contact forms and we’ll help you schedule a free consultation with an experienced long term disability attorney.

https://www.chicagodisabilitylawyers.com/citystate/long-term-disability-attorneys-near-me/

Risk Management Solutions Experts in Risk Management Risk Management Solutions and Services CH Legal Consulting offers expert risk management solutions. .Our services include a 6 step process, each of which are inter-linked and inter-dependent and cover the identification, assessment and management of risk, corporate governance and compliance, as well as ensure the sustainability and success of our client. Each step of our solution continues through the duration of our service, thereby continuing to identify, asses, monitor and manage our client’s risks and further provide innovative solutions, aimed at ensuring the success of our client. risk management process Our solution considers our client’s business, its strategic objectives, corporate governance and compliance, as well as as our client’s values, culture, risk appetite and risk tolerance. Taking these factors into account, we build a solution that is aligned with our client’s business and which allows integration. We provide services to large and medium sized companies and cover all industries and sectors. Organisations can no longer ignore risks that face business and are taking a greater interest in risk and risk management. It is increasingly understood that the explicit and structured risk management of risk, brings benefits. By taking a proactive approach to risk and risk management, organisations will be able to achieve the following areas of improvement

https://www.chlegalconsulting.com/risk-management-solutions/

Commercial Property & Liability Insurance in Kingsburg, Fresno, Selma, Hanford, Dinuba, Visalia & surrounding areas Experts At Protecting Your Business Kingsburg Insurance Agency Your business represents more than a fixed asset or single financial investment. You, your business partners, and your employees depend on your business for their financial stability. Making sure that your company’s physical assets are protected to the point that they can be replaced following a loss is vital for the ongoing success of your company…and the financial well-being of partners and employees. Since 1948, Kingsburg Insurance Agency has provided superior commercial property and liability coverage for companies just like yours. The Most Important Investment Your Company Can Make For serious business owners, Commercial Property Insurance isn’t an option but a significant necessity. Your commercial property insurance can cover you even if you lease your building property, providing protection for: - Commercial Building - Outdoor Signage - Furniture and Equipment - Business Inventory - Landscaping and Fences - Property of Others Business Interruption Coverage Commercial property insurance can also include Business Interruption Coverage. This coverage will reimburse a business owner for any profits lost and/or fixed expenses incurred while your business is closed due to a covered loss. This coverage applies as restoration of your premises is underway. In some cases, business income Insurance may also reimburse you should Civil Authorities limit access to your neighborhood or business following a disaster. Coverage Available For Today’s Technology Electronic Data Processing (EDP) Insurance is a separate coverage designed with modern technology in mind. Since most commercial property policies have specific limits for computer network coverage, EDP insurance offers broader coverage that includes additional causes such as power surges. You may even secure coverage for virus attacks. Protecting Your Business From Its Greatest Exposure Commercial Liability Insurance from Kingsburg Insurance Agency In today’s litigious environment, liability exposure is a very real risk. This is doubly true for businesses. We’ve all heard news reports of astronomical court-ordered awards for a plethora of situations most reasonable individuals couldn’t imagine. That’s why commercial liability insurance is so very important for all businesses. In our opinion, it is the most important coverage line recommended for your business. Commercial liability is often referred to as general liability due to the broad commercial insurance protection it affords. There are also additional liability coverage lines that may play an important role in further protecting your business. - Professional Liability Insurance (Errors & Omissions) E&O coverage protects professionals against any negligence, errors, or omissions that result in financial loss to your clients or a third party. This is a critical coverage for licensed professionals including agricultural consultants, accountants, attorneys, architects, physicians, engineers and technology companies. - Employment Practices Liability Insurance (EPLI) Liability exposure from employees extends beyond typical on-the-job injuries. From wrongful termination to discrimination; sexual harassment and other violations of employee rights, any allegation could result in an expensive lawsuit. EPLI covers these employee related liabilities. Our markets also have the ability to protect an insured from wage and hour violations and provide legal defense in the event of a lawsuit. - Directors & Officers Insurance (D&O) When a company director or officer speaks, their statements are carefully scrutinized and subject to misinterpretation. Oftentimes this may lead to lawsuits against a company. D&O insurance covers directors & officers of a company for misleading statements that result in lawsuits, as well as negligent acts or omissions. D&O policies can be expanded to include protection for employment practice liability as well.

https://www.kingsburgins.com/commercial-property-liability/

Are you looking to find a local real estate agent that can help you buy or sell a property? Are you trying to compare experience, services, and fees? If so, you’ve come to the right place. In this article, we’ll explore what to look for when comparing local real estate agents, so that you can find the best match for your needs. When it comes to real estate agents, there is no one-size-fits-all option. Every agent has their own set of experience, services, and fees. That’s why it’s important to do your research and compare different agents before making your decision. In this article, we’ll discuss the different factors to consider when researching local agents or brokers. We’ll walk you through what to look for in terms of experience, services, and fees, so that you can make an informed decision. When researching local agents or brokers, there are several factors to consider. First, look at their experience. How many years have they been in the business? Are they familiar with the local market? Do they specialize in certain types of properties or transactions? Next, consider the services they offer. Do they offer comprehensive services such as marketing and negotiation? Do they provide support throughout the entire home buying or selling process? Finally, look at their fees. Different agents and brokers may charge different rates for their services. Do they charge a flat fee or commission-based fee? What is included in their fee structure?It's also important to ask around. Talk to people in your community who have recently bought or sold a property. Ask them which agents or brokers they worked with and how satisfied they were with the results. This can help you get an idea of which agents or brokers offer the best services. When researching local agents or brokers, it's essential to take your time and do your research. Compare experience, services, and fees to make sure you get the best representation for your needs. Consider the agent's experience, the services they offer, and the fees they charge. Don't be afraid to ask questions and get recommendations from people in your community. By doing your research and carefully comparing different agents or brokers, you can find the right representation for your needs. ExperienceWhen researching local agents or brokers, look at their experience in the business. How many years have they been in the industry? Are they familiar with the local market? Knowing the agent's or broker's history can give you an idea of their level of expertise and trustworthiness. A real estate agent or broker with more years in the business may have a better understanding of the market and be better equipped to help you buy or sell your property. Be sure to ask about their experience in similar transactions. Make sure they have experience handling your type of property. An experienced agent or broker can make the process of buying or selling a home faster and smoother. Finally, don't be afraid to ask for references or testimonials from past clients. Contacting previous clients can give you an idea of how well the agent or broker handled their business and whether they would recommend them. ServicesWhen researching local agents or brokers, it's important to consider the services they offer. Do they provide comprehensive services such as marketing, negotiations, and support throughout the entire home buying or selling process? If you're looking for a more hands-on approach, you should look for an agent or broker that offers additional services such as home staging, legal advice, and financing assistance. You should also make sure that the agent or broker is well-versed in the current real estate market. It's important that they understand local regulations, laws, and codes to ensure your purchase or sale goes smoothly. Additionally, a good agent or broker will have access to the latest technology and resources to help you find the best deal. Finally, you should consider the fees associated with working with a particular agent or broker. Some agents or brokers may charge a flat fee while others may charge a commission based on the sale or purchase price. Make sure you understand what fees you will be expected to pay and any additional costs associated with their services. FeesLook at their fees. Do they charge a flat fee or commission-based fee? What is included in their fee structure? Make sure to ask potential agents or brokers about their fees and any other associated costs, such as legal fees or advertising costs. It's important to understand exactly what you're paying for before signing a contract. When comparing fees, consider not just the amount of the fee but also the services provided. A lower fee may be attractive, but if the agent or broker doesn't offer the services you need, it may not be worth it in the long run. It's also important to make sure that the agent or broker you choose has experience in the local market and understands your needs. A good real estate agent or broker will be able to negotiate the best price for you and provide helpful advice throughout the process. Choosing the right local real estate agent or broker can be the difference between a successful sale and a long, stressful process. Researching local agents or brokersto compare experience, services, and fees is essential. Consider their experience, services, fees, and ask around for feedback from people in your community who have recently bought or sold a property. Doing your research can help ensure you get the best representation for your needs.

https://www.mcinerneyproperty.com/comparing-agents-or-brokers-researching-local-agents-or-brokers-to-compare-experience-services-and-fees

Minersville, PA, with its both business and ATV rider activities, witnesses a significant presence of commercial vehicles and ATVs on its roads. While these vehicles are vital for the local economy, their sheer size and weight of trucks can lead to devastating accidents. Urban Law, located close to Minersville, is committed to helping victims navigate the legal complexities associated with commercial vehicle and ATV accidents. In this blog post, we will delve into the key aspects of commercial vehicle accidents in Minersville and how Urban Law can be your trusted ally in seeking justice. - The Impact of Commercial Vehicle Accidents: Commercial vehicle accidents can be more complex than regular car accidents due to the larger size and weight of trucks, buses, and other commercial vehicles. Many of the commercial vehicles are going to the interstate I-81 from the distribution centers to or from state highway route 901. In addition, the town of Minersville has permitted ATV riders to operate on certain roadways to travel to and from the off-road parks and Reading Anthracite open coal lands. The consequences often result in severe injuries, property damage, and even fatalities. Urban Law recognizes the unique challenges these accidents pose and is well-equipped to handle the intricacies of such cases. - Regulatory Framework: Understanding the regulatory framework surrounding commercial vehicles is crucial in determining liability. Federal and state regulations, including those set by the Federal Motor Carrier Safety Administration (FMCSA) and the Pennsylvania Department of Transportation (PennDOT), govern the operation and maintenance of commercial vehicles. Urban Law stays abreast of these regulations to build a strong case and hold responsible parties accountable. ATV riders should also make sure their vehicles are registered and insured; and when operating, abide by all rules of the road like a car. - Liability in Commercial Vehicle Accidents: Identifying the liable parties in a commercial vehicle accident is often more complex than in a regular car accident. Urban Law conducts a thorough investigation to pinpoint the responsible parties and build a compelling case for maximum compensation. Potentially responsible parties may include: - The driver of the commercial vehicle - The trucking company or employer - Vehicle maintenance and repair contractors - Manufacturers of faulty vehicle parts - Limited visibility to smaller vehicles such as ATVs on the roads - Gathering Evidence: In commercial vehicle accident cases, evidence is paramount. This meticulous approach strengthens the case and ensures a comprehensive understanding of the circumstances leading to the accident. Urban Law employs a team of experts to collect and analyze crucial evidence, including: - Driver logs and records b. Vehicle maintenance and inspection records c. Black box data and electronic logging device (ELD) information d. Witness statements and accident reconstructions - Unique Challenges in Commercial Vehicle Accident Cases: Commercial vehicle accidents present unique challenges, such as dealing with multiple insurance policies, federal regulations, and corporate entities. Urban Law's experience in handling such cases ensures that clients receive effective representation and are not overwhelmed by these challenges. - Negotiating with Insurance Companies: Insurance companies representing commercial vehicles often have extensive resources and legal teams. Urban Law, with its skilled negotiators, levels the playing field by advocating for fair and just compensation. If necessary, our legal team is prepared to take the case to court to ensure clients receive the compensation they deserve. Commercial vehicle accidents demand a specialized approach, and Urban Law handling your case from Minersville, Schuylkill county, is here to provide exactly that. By understanding the unique challenges posed by these accidents and staying abreast of relevant regulations, Urban Law is well-equipped to handle complex cases and secure the best possible outcomes for its clients. If you or a loved one has been involved in a commercial vehicle accident, don't navigate the legal terrain alone – Urban Law is your ally in seeking justice and rebuilding your life.

https://www.urbanlaw.com/blog/2024/january/navigating-the-legal-terrain-understanding-comme/

What to Do as an Injured Passenger When you search car accidents on the internet, several articles about drivers receiving personal injury settlements when another driver is responsible for the crash come up. But what about the passengers in the injured driver’s vehicle? In most cases, injured passengers have more options for filing bodily injury claims. Passengers can usually file claims even in accidents involving only the vehicle they were riding in. If you have been injured as a passenger in Lakeport, Woodland Hills, California, or Lake, Los Angeles, Colusa, Riverside counties, or any northern or southern California county, reach out to G. Aldrich Law. Injured passengers suffer harm just like injured drivers. If compensation is available under someone’s insurance coverage, you should get it. You will probably need an experienced personal injury attorney to help. Who’s At Fault in California Car Accidents? California is a fault state for auto accidents, so those injured by a negligent driver can file a claim against that at-fault driver’s insurance coverage. California requires auto owners to have coverage in one of four ways: Auto insurance policy with minimum coverages of $15,000 per person, $30,000 per person per accident, and $5,000 for property damage; A certificate of self-insurance from the Department of Motor Vehicles; A $35,000 cash deposit held by the DMV; or, A $35,000 surety bond issued by a company licensed by the state. California also observes pure comparative fault, so even if the injured person was partially responsible for the car wreck, they could be eligible to recover compensation. In most cases, the passenger is not responsible for the accident. However, there are accidents for which the passenger may share some fault. Who Can I File a Claim Against? Injured passengers have some options for filing claims, depending on the circumstances of the crash, the value of damages, and the insurance policy limits of the various parties involved. There are three possible places: You can file a claim against the drivers of other vehicles in the case of a crash involving two or more vehicles, so long as other drivers are assigned at least some percentage of fault for the accident. The claim will file against the driver’s bodily injury liability coverage under any of the four coverage options they have. You can file a claim against the insurance coverage carried by the driver of the vehicle. You can file a claim against their medical payment benefits coverage regardless of fault for the accident. This coverage isn’t required by California law so your driver may not have it. You also may be able to file a claim against your driver’s bodily injury liability coverage, so long as you aren’t an immediate family member covered under the same policy. You can claim your medical payment or “medpay” benefits if you have that coverage under your insurance policy. Again, claiming medical payment benefits can be done regardless of who is at fault for an accident. For example, you are riding in a vehicle driven by Driver A. Driver B causes an accident, and you suffer injuries and economic and noneconomic damages with a value of $100,000. Driver A is undergoing injuries with the same value of damages. Driver A has medpay coverage limits of $5,000, and you have medpay coverage limits of $5,000 under your insurance policy; therefore, you can claim $10,000 under the combined policies regardless of fault. Driver B’s liability coverage is $100,000 per person per accident. Since you and Driver A are suffering injuries to the same degree, you may receive $50,000 in a settlement. Although, your attorney will be fighting to get more than half of this amount for you, especially if some of the fault can be assigned to your driver. With medpay benefits and Driver B’s coverage, you have $60,000, but your damages are $100,000. You may be able to file a claim against the bodily injury liability coverage of Driver A’s insurance policy to recover the difference, so long as their policy limits are sufficient. If Driver A’s limits are also $50,000, you could be made whole. Are Passengers Ever at Fault? Passengers will have a percentage of fault for a car crash if their actions contributed to it. For example, if you distract the driver to the point where they couldn't react to an oncoming vehicle. If you are assigned passenger liability, any third-party recovery will reduce your share of fault under the pure comparative negligence rule. So, for example, if you are held 10% at fault for the crash, your settlement would reduce by 10%. How G. Aldrich Law Can Help Insurance companies rarely settle claims without a fight. Whatever third-party claims you assert will be met with opposition, first by attempts to lower the value of your claim and second by attempts to place some percentage of fault on you. In addition, our experienced personal injury attorneys are well-versed in knowing how insurance companies work and can help your case. At G. Aldrich Law, we fully investigate the circumstances of a crash, discover all potential insurance coverages, and work diligently to garner compensation that will make you whole. It isn’t always easy, but it is what we do for injured passengers in Woodland Hills, Lakeport, or in Lake, Los Angeles, Colusa, or Riverside counties, or any northern or southern California county. Call now to schedule a free case consultation. We are ready to begin.

https://galdrichlaw.com/blog/what-to-do-as-an-injured-passenger/

During a fire and smoke damage, the most important thing is to call a restoration company. IBX Services is here to walk you through every step, treating you like we would treat our own family. Our fire and smoke damage restoration team want business and homeowners to be aware that all properties are susceptible to becoming damaged by water, because of the flooding that is caused by the extinguishing fluid in the fire hoses. Our fire damage restoration staff guarantees that we will get to your home as quickly as we can after the flame has been extinguished to begin restoration procedures that deal with any invading moisture or mould growth. We offer assistance in the following comprehensive restoration services: - Removal of tar residue - Ash cleanup - Restoration of charred flooring - Elimination of burnt possessions - Smoke stain removal - Complete comprehensive home repair - Water damage restoration - Fire extinguishing chemical remediation - Deodorization and smoke removal Out of all the types of disasters that can impact a home, fire and smoke seem to leave the most damage. In IBX Services, we have years of experience in renovating homes after they have been ravaged by fire. After professional firefighters put out the flames, our fire damage restoration will arrive on the scene and immediately get to work providing customers with the highest quality fire damage restoration services in the industry. We use the latest advancements in technology to restore damaged houses to their original condition. Fire and Smoke Damage Restoration Company Our fire damage restoration IBX Services specialists are licensed, bonded and insured in disaster restoration, so you can feel confident that you are protected every step of the way. So, if your home has already gone through a fire and smoke damage situation and you need professional assistance, then contact the fire and smoke damage restoration IBX Services at +1-416-252-5959. Let Our Professionals Help Clean Up the Fire and Smoke Damage!

https://ibx.ca/fire-and-smoke-damage-ibx-services/

Updated Distributed Wind Policy Comparison Tool Reflects Changes in Market Conditions The Distributed Wind Policy Comparison Tool, a one-stop shop for information related to the cost, policies, incentives and other details associated with on-site wind, has been updated with several improvements to reflect changes in market conditions: www.windpolicytool.org The Distributed Wind Policy Comparison Tool has been updated with several improvements to reflect changes in market conditions: www.windpolicytool.org The DW Policy Tool is a one-stop shop for information related to the cost, policies, incentives and other details associated with on-site wind. It was created to help policy makers, industry representatives and advocates better understand what makes a successful distributed wind market environment, and keep tabs on the complex, ever-changing policy landscape. The tool allows sensitivity analyses to be conducted on various policy options and assumptions to determine impacts, optimize scenarios, and guide smart investments in small wind technology. It highlights attractive markets and policy targets that offer the quickest return on investment, encouraging best practices to sustain and improve support for distributed wind Updated versions of the user guide (with a new state ranking chart) and user tips sheet are online, and a “What’s New” page in the left lower menu summarizes the noteworthy changes, including: Policy information has been updated to reflect the most current market environment, including: - Updated Renewable Energy Credit prices for each state/territory; - Updated net metering policies for each state/territory; - Changed sales tax rates and exemptions where applicable; - Changed or removed state and federal incentives as needed; - Adjusted depreciation calculations so that MACRS depreciation could be accurately applied to residential sector scenarios. Wind Turbine Updates - Two turbine models were added to the tool. - All power curves and tower heights were verified and energy productions were recalculated. - All capital cost values were updated . The Policy Tool now includes Puerto Rico and the US Virgin Islands. - Retail electric rates for each state/territory. - Default wind resource for each state/territory.

https://irecusa.org/blog/irec/distributed-wind-policy-comparison-tool-is-updated/

Control Fire Systems is small, veteran owned fire protection contracting and service company. We offer installation, service and inspections of water based fire sprinkler systems, fire alarm systems, clean agent systems and special applications. At Johnson Controls, we’ve been making buildings smarter since 1885, and our capabilities, depth of innovation experience, and global reach have been growing ever since. Today, we offer the world’s largest portfolio of building products, technologies, software, and services; we put that portfolio to work to transform the environments where people live, work, learn and play. Blackwater Fire Protection is located in Newcastle, Oklahoma. This organization primarily operates in the Fire Protection business / industry within the Justice, Public Order and Safety sector. We are a small family owned fire sprinkler, extinguisher and inspection company. Combined over 60 years of experience between the owners. We specialize in residential, multi-family, commercial, industrial and custom homes. We strive to deliver the very best quality, customer service and performance. Our approach is different. With a commitment to customer service, our team of experts is equipped to handle all of your needs for fire and life safety services. We help protect what’s most important – people and the buildings they’re in. From our local community based branches, to our national accounts capabilities, we are built to serve you. For over a century, the National Fire Sprinkler Association has advocated to protect lives and property through the widespread acceptance of the fire sprinkler concept. The NFSA accomplishes this through a variety of means, including: working closely with lawmakers on both state and local levels to advance the fire sprinkler concept, media appearances, live fire sprinkler demonstrations; and Model Code and Standard development. Reliable Automatic Sprinkler Co., Inc. is a global manufacturer and distributor of fire protection products. Reliable manufactures the highest quality and most innovative fire sprinklers, valves and special systems on the market; distributes a full line of best in class system components; and backs it up with premier customer service. Potter is carrying on the legacy of Charles E. Potter by combining the latest technology in fire protection with the dedicated manpower for which they have been known for over one hundred years. With unwavering dedication to their customers, Potter looks to continue as the industry standard in both product and service. Florian Protective Services’ goal is to provide quality Fire Protective Services to municipalities, fire departments, businesses and organizations in the State of Oklahoma. Florian Protective Services gives over-burdened and small municipalities/organizations the opportunity to save or generate new revenue. Join the Oklahoma Fire Sprinkler Association

https://ofsa.info/members/

Title: The Importance of Cyber Insurance in the Digital Era In today’s digitized world, securing IT assets has become a pressing concern for businesses. However, convincing board members to allocate funds for cybersecurity can be challenging. One effective solution to mitigate such risks is investing in cyber insurance. This article explores the significant benefits of cyber insurance coverage and highlights its importance in safeguarding businesses against the growing threat of cyber attacks. Cyber insurance offers businesses comprehensive coverage against various repercussions following a cyber attack. This includes financial losses, legal fees, and recovery expenses. It is crucial for businesses to carefully scrutinize policy details as coverage may vary based on premium amounts. By investing in cyber insurance, businesses can proactively protect themselves against potential financial devastation. Compensation for Downtime: IT infrastructure disruptions can lead to substantial revenue losses during downtime. On average, a single cyber attack can cost a business around $1 million. Cyber insurance provides compensation for such downtime losses, helping businesses to recover and minimize financial setbacks. This coverage ensures that businesses can quickly resume operations and limit the impact of cyber attacks on their bottom line. Protection Against Ransomware and Phishing: Ransomware and phishing attacks have become increasingly prevalent and can have severe consequences for businesses. Some companies are unable to recover financially and are forced to shut down permanently as a result. Cyber insurance policies cover costs associated with these attacks, including downtime losses, hiring security experts, ransom payments, and data recovery. It is essential for businesses to review coverage terms carefully to ensure they are adequately protected. Support for IT Staff: Cyber attacks can induce significant stress among IT professionals, with some studies even linking them to suicidal tendencies. Cyber insurance coverage can provide financial support to help individuals cope with the emotional stress caused by cyber attacks. By offering this support, businesses can ensure the well-being of their IT staff and maintain a resilient workforce. Following a cyber attack, a business’s reputation may be at risk due to social media speculation and attempts by competitors and malicious actors to tarnish their image. Cyber insurance coverage can safeguard a company’s reputation by mitigating these risks. Some insurers even offer negotiation services with hackers, facilitated by forensic experts, as a last resort to resolve threats and minimize the damage to a business’s reputation. In summary, investing in cyber insurance not only mitigates financial risks but also provides crucial support in navigating the complexities of cyber threats in the digital era. From comprehensive coverage to compensation for downtime, protection against ransomware and phishing, support for IT staff, and reputation management, cyber insurance is an essential tool for businesses to safeguard their assets and ensure long-term resilience in the face of cyber attacks. – Cyber insurance provides comprehensive coverage against financial losses, legal fees, and recovery expenses. – Compensation for downtime helps businesses recover from IT infrastructure disruptions and minimize revenue losses. – Cyber insurance protects against ransomware and phishing attacks, covering costs such as downtime losses, expert hiring, ransom payments, and data recovery. – It offers financial support for IT staff to cope with the stress caused by cyber attacks. – Cyber insurance safeguards a company’s reputation by mitigating risks and offering negotiation services with hackers if needed. Overall, cyber insurance is a vital investment in today’s digital landscape, enabling businesses to proactively protect themselves from the ever-evolving threat of cyber attacks.

https://sigmacybersecurity.com/1-financial-protection-against-cyber-attacks-2-coverage-for-legal-expenses-related-to-data-breaches-3-assistance-in-recovering-from-cyber-incidents-and-restoring-operations-4-safeguarding-again/

Breaking Down the Cost of Title Insurance Jan 19, 2023 | Title Insurance | Share: For those outside the title industry, title insurance can be a bit of a mystery. Even realtors who frequently work with title companies may not be fully educated about the ins and outs of title insurance. Unfortunately, a lack of knowledge about title insurance can lead to all kinds of myths and misconceptions. One misconception that’s been making headlines lately is that title insurance is overpriced or, even worse, just a money-making scam for lawyers. But the truth is that title insurance is an affordable and appropriately-priced form of insurance that’s important for all homebuyers. Title Insurance Premium Costs There are two types of title insurance: lender’s title insurance and owner’s title insurance. Lender’s title insurance, also known as a loan policy, is non-negotiable for those using a mortgage loan to purchase their home. Owner’s title insurance is optional (but recommended), and is needed since the loan policy provides no protection to the homeowner. The cost of an owner’s title insurance premium depends on the purchase price of the home. Your local title company doesn’t set the price of the title insurance premium; instead, it’s set by the insurance underwriter for that company. That rate is then filed with the state. The cost of standard owner’s title insurance is less than 1% of the home’s purchase price. The title insurance premium cost is a one-time fee and provides coverage for the homebuyer for the entire time they or their heirs own their home. You can use our online rates calculator to get an estimate of the cost of owner’s title insurance in Alabama. What You're Really Paying For While the owner’s title insurance premium is one part of the cost of title insurance, it isn’t the only title insurance cost that’s paid at closing. Customers will also see other charges for the search and exam, the lender’s title insurance, and the closing protection letter. These fees aren’t an attempt to gouge the customer. Instead, they cover items that are necessary to present a clear title at closing and protect that title from hidden risks in the future. All title insurance fees will be disclosed on the title commitment. You can also call your title company to get an estimate of your full title insurance costs. Search and Exam Fee Before the title company can issue title insurance to the lender or the owner, they must perform a search and exam. The title search involves extensive searches of public records such as mortgages, deeds, encroachments, tax liens, and other potential liens to generate an accurate abstract of title for a property. The abstract provides the legal history and chain of title for a property, often going back to the earliest public record for the property. While the title search may sound a lot like just looking things up on the internet, it is actually a complex legal process. It’s labor intensive, and it requires skilled research. Additionally, the title search itself incurs fees from the county in order to print copies or download pages of the record. An accurate title search is essential to protect homebuyers from future risks to their title. But the abstract generated from the title search is only the data: it must also be interpreted by an underwriter or title agent. The exam is essential for determining whether or not there are existing title issues associated with a particular property. Any number of defects can be revealed during the search and exam process and must be resolved (or cured) before closing. Both the title search and the exam are necessary to generate a title commitment and issue title insurance. The search and exam work must be done by skilled individuals with an eye toward protecting the homebuyer’s investment. The search and exam fee covers the cost of the researcher, abstractor, and underwriters who prepare the title commitment as well as any needed curative work. All of this work is done by hand for each individual closing. Lender's Title Insurance It isn’t redundant to purchase two types of title insurance at closing. While both owner’s and lender’s title insurance protect against hidden risks to the title, the loan policy exclusively provides protection to the mortgage lender. Homeowners are not protected unless they purchase separate owner’s title insurance. While title insurance is included as part of the closing costs, there are also other fees that will be due at closing. Typical closing costs include the loan origination fee, property taxes, HOA dues, and inspection fees, but buyers and sellers should have a clear picture of all closing costs prior to closing. The closer can provide a clear breakdown of these costs if you have any questions. The Cost of Not Having Title Insurance Ultimately, the decision to purchase owner’s title insurance is up to the individual homebuyer. It isn’t required, but it is recommended. However, even if an individual opts out of owner’s title insurance, lender’s insurance will still be required by the mortgage lender. Title insurance provides protection for one of the largest investments a person can make, and once that premium is paid at closing, there are no other fees. Owner’s title insurance is effective for the entire time an individual owns their home, so even if a title issue arises ten or twenty years after closing, the owner is still protected and won’t have any out-of-pocket charges or attorney fees to resolve it. Title insurance is so important because the risks are truly hidden. The title company will clear all known title issues before closing, but it’s impossible to predict what may happen in the future. Whether something’s been filed in the wrong county, a missing heir makes a claim on the home, or a buyer is the victim of fraud, these risks just cannot be fully known at closing. Title insurance can be confusing, but at South Oak, we’re always happy to answer questions at any point in the closing process, whether a client is deciding where to purchase their title insurance or a realtor has questions a couple of hours before closing. We’re also committed to being as transparent as possible throughout the entire closing process. All charges will be disclosed in detail, and clients are welcome to ask questions about these costs at any time. We also love working to educate realtors on the finer details of title insurance so that they can help their clients make informed decisions. We work one-on-one to answer realtor questions, or we’re also happy to come speak to your brokerage for professional development opportunities. If you'd like more information about realtor education, please contact us.

https://southoaktitle.com/blog/cost-of-title-insurance

Even though car accidents happen with alarming frequency, you have luckily not been through too many during your lifetime. The same is not true for insurance adjusters, of course, as their job duties require them to review car accidents daily. This means you might be at an extreme disadvantage when dealing with an insurance adjuster after a crash. Still, you might believe insurance company representatives must treat you fairly. This isn’t necessarily true either, as adjusters can and probably will lie to you. The role of the insurance adjuster According to Zippia, there are nearly 133,000 insurance claims adjusters in the U.S. currently. The job descriptions for these adjusters typically require them to do the following: - Visit accidents scenes and gather evidence - Calculate damages - Talk to witnesses - Review police reports The purpose of these duties is mostly to determine fault for motor vehicle accidents. This is especially true when it is not clear which driver is responsible for the collision. Still, there is a great deal of room for personal interpretation in any insurance adjuster’s day. Why might an insurance adjuster lie to you? It is not uncommon for insurance adjusters to provide inaccurate or untrue information to drivers and others. The purpose of being less than truthful, of course, is to maximize profits for the insurance company. That is, an adjuster is likely looking to deny an insurance claim or pay as little as possible. Ultimately, now that you know insurance adjusters might not be truthful with you, you may want to think twice before giving statements, sharing evidence or accepting a settlement offer.

https://www.awbflaw.com/blog/2023/01/can-an-insurance-adjuster-lie-to-you/

Your Premier Suite of Unlock superior cybersecurity with our advanced, purpose-built tools, designed to guard your digital presence and propel your business forward.In the fast-evolving landscape of digital threats, your cybersecurity measures need to stay one step ahead. BeamSec offers robust and comprehensive solutions, divided into two distinct but integrated categories: ‘Cybersecurity Awareness & Training’ and ‘Secure Messaging & File Encryption’. Cyber security Awareness & Training Understanding the full spectrum of cyber threats is the first line of defense in any organization. Beamsec products under this category are designed to educate, simulate, and evaluate the cyber security awareness and response readiness of your personnel. This category includes: Secure Messaging & File Encryption Protecting sensitive data during transit is a critical aspect of information security. Beamsec provides solutions to ensure that all your communication and file sharing are conducted securely, in compliance with global data privacy regulations. In this category, you’ll find: Revolutionize your cyber security strategy Your journey towards a more secure digital landscape starts here. Don’t leave your sensitive data and corporate communication to chance. Harness the power of Beamsecs comprehensive suite of products today to protect your organization from potential cyber threats. From empowering your team with the right knowledge to ensuring secure and encrypted communication, Beamsec is your partner in navigating the cyber world securely

https://www.beamsec.com/products/

More doesn’t always mean better. From portfolio construction to risk decomposition, risk models are powerful tools to have in your arsenal. By offering off-the-shelf risk models and the ability to design your own, you have the freedom of choice. Parsimonious, clear factor definitions focused on transparency and replicability are hallmarks across the Axioma equity, fixed income and multi-asset class factor risk models. Do more with less - Efficient portfolio construction: Allocate risk to the factors you believe will outperform - Risk attribution: Slice and dice risk to identify source and validate risk-reward profile - Decision support: Provide pre-trade analytics and what-if scenarios - Risk control & hedging: Identify unintended bets and manage hedging books - Risk budgeting: Seamlessly implement your risk budget for a clear view of risk/return Equity Factor Risk Models - Suite of country, region and global factor models - Available as statistical, fundamental, macroeconomic models in trading, short and medium time horizons Fixed Income Factor Risk Models - Axioma Credit Spread Factor Risk Model - Axioma Credit Spread Curve Risk Model - Axioma MBS Spread Factor Risk Model Multi-Asset Factor Risk Model - Consistent model across equities, fixed income and commodities with full asset look-through Private Asset Factor Risk Model - Partnership with CEPRES allows for meaningful risk analysis and factor decomposition across both public and private assets The Axioma Equity Factor Risk Model Suite offers comprehensive data that can be used in investment decision-making. The integration into the EDS Investment Process Management platform will provide our clients with seamless access to Axioma models, combined with our powerful risk management tools. Co-founder and President at EDS Build your own When you want true customization, you can turn to the Axioma Risk Model Machine. By taking your intellectual property and combining it with our know-how, you get a bespoke risk model aligned precisely to your investment process. We talk to each other All our risk models can work with Axioma Portfolio Optimizer and Axioma Portfolio Analytics and are natively available within Axioma Risk. Our flat file format can also be ingested by your third-party portfolio construction, performance analytics and risk management solutions.

https://www.simcorp.com/en/investment-management/risk-management/axioma-factor-risk-models

Risk management is a key component of the Company’s decision making process in a changing business environment. Enterprise risk management enables the Company to build resiliency and sustainability. It is an evolving process that requires constant monitoring as the Company grows. Whilst even the most comprehensive system of risk management and internal controls cannot fully eliminate all risks, the framework enhances the Company’s understanding and articulation of risk-reward trade-offs for decision making that is commensurate with its risk tolerance. The Board of Directors of the Company (BOD) is responsible for the governance and oversight of risk by ensuring that senior management maintains a sound system of risk management and internal controls to safeguard shareholders’ interests and the Company’s assets, as well as to comply with the prevailing laws and regulations. The BOD determines the nature and extent of the significant risks which the BOD is willing to take in achieving their strategic objectives. The Company’s risk management process comprises of a disciplined and repeatable interaction structure including risk evaluation of strategic alternatives and operational decisions. These structures serve as a forum for the management to highlight both favourable and adverse factors affecting the business and its performance and associated risks, and in turn creates visibility for the BOD and relevant stakeholders. The BOD members and management collectively determine the materiality of the risks and appropriate strategies to address them. Further explanation on the Company’s risk management, including its internal control system is elaborated in 2022 Annual and Sustainability Report.

https://www.smart-tbk.com/en/tentang/tata-kelola-perusahaan/manajemen-risiko/

Fire Breaks Out at Boulders at Lakeridge Apartment Complex in Lubbock Monday afternoon (October 3rd), firefighters with the Lubbock Fire Department battled a blaze at the Boulders at Lakeridge apartments, located at 4421 82nd Street. KAMC News reported that the fire was called in at 2:56 p.m. As of this story's publication, Lubbock Fire Rescue hasn't confirmed the cause of the fire. However, residents stated that an air conditioning unit was being updated when crews hit an electrical line. That line then seems to have carried the fire to toward the roof of the building and for a time the fire was contained until it spread to the east side of the building following the electrical lines of the building. Twelve fire and rescue crews were soon at the scene to help contain the fire as it started to spread to the west side of the building through the roof. The force of the water from the vehicles knocked off some roof shingles, which allowed flames to soar even higher. Fire crews were able to directly hit those flames, too. An ambulance at the scene was on standby with a medical stretcher. There's currently no word as to if there were any injuries from the fire.

https://awesome98.com/fire-breaks-out-at-boulders-at-lakeridge-apartment-complex-in-lubbock/

Car owners face a wide variety of risks whenever they go out in their cars, from traffic accidents to theft, to vandalism. The problem is that insurance coverage for all these eventualities can be expensive. The good news is that there are auto insurance quotes that are affordable, and all that is needed to find them is time and a PC. The Internet has changed the way many financial transactions take place, and even how insurance policies are found and paid for. With the benefit of free online insurance quotes, finding the best deals for your car can cost nothing, while the development of comparison sites means the best policy matching your preferences can be found in seconds. Remember, auto insurance is required by law, but there is no reason why it needs to cost the earth. And through online brokers, your insurance costs can be significantly lowered. How? Well, here are a few ways. 1. Less Time, Less Effort, Lower Costs Believe it or not, by taking a few hours in the comfort of your own home to search for auto insurance quotes online, some money is already saved. The gas normally used when driving around a city to various brokers offices, and the parking fees charged in a lot, do not need to be paid for. So, the associated costs are lower. Being able to search from home is always much more convenient too, with the best insurance options accessed so quickly by simply typing some keywords into the Google search box. With comparison sites, the top 10 free online insurance quotes are listed clearly, making it easy to compare and select the best ones. But remember that the surface figures and facts provided by the comparison sites are not enough on which to base a decision. Finding the right auto insurance policy is dependent on reading the small print too. 2. Reducing Actual Insurance Costs The best auto insurance quote is the one that provides the most coverage for the least cost. As mentioned comparison sites can only provide a guide to the leading offers, according to your own preference. Reading the small print reveals just how great a deal it is. Basically, never trust the initial price, with details on additional charges and penalties often hidden in the small print. The result is an insurance policy that is much more expensive than first thought. Of course, free online insurance quotes help to keep costs down, but never take any policy on face value. Online brokers should provide answers to any questions without any hesitation. An auto insurance policy is a contract, so it is your right to be fully informed before signing it. 3. The Quality of Information When auto insurance quotes are secured, the two benefits immediately available are speed and affordability. But these are not the only factors that should be considered. A consumer has to look at a few other factors too. For one, the quality of the information given is influential. The beauty of getting free online insurance quotes is that it costs nothing to see what options are out there, but the information provided on low-cost insurance policies is dependent on the information entered into the online quote request form. So, providing the right information (living in a good neighborhood; car used infrequently etc) can lead to big savings. Filling out the online form accurately is extremely important because, if the information is incorrect it can result in fraud charges. At the very least, all entitlements available under the auto insurance policy become forfeit.

https://entrechiensetlyon.com/auto-insurance-quotes-why-the-online-option-is-the-superior-option.html

- Policies for cash - Apply online - Affordable repayment terms [Accessed January 19, 2023] About Policy Trader Policy Trader has 25 years of collective experience and product knowledge. They provide financial services to Independent Financial Advisors and related networks. Policy trader is Yield Capital’s division that is determined to deal directly with the public and specialises in solutions to provide cash for restricted policies. The reason to choose Policy Trader At Policy Trader all they ever want is to help people improve their life and lifestyle. They can help you turn around any situation and make it benefit you. When you have Policy Trader by your side, you don't have to wait until the maturity date. They can help you turn your restricted policy into cash immediately. A restricted policy A restricted policy is a policy that no further lump sum quick loan or surrenders can be made until the end of the restriction period. It often takes 5 years. By following Policy Trader steps, you can turn your restricted policy into cash when you need it most and it will be at a better value than many of the alternative options. Policy Trader Services At Policy Trader you get a no-obligation estimate of your policy's value. With Policy Trader you can still purchase the policy with a loan against it. Their offer is net of any loan or premium debts against the policy and they will first settle the outstanding debts directly with the Life Office or relevant institution. Cash from restricted policy At Policy Trader they will fight for you tooth and nail to make sure you get your cash. Never allow those hurtful responses you receive from a life company or financial advisor for extra cash from your endowment policy or structured product to get into you. Let Policy Trader fight for you At Policy Trader they have been leading in buying endowment policies and alternative investments with restrictions for many years. They are the only company you can always turn to when you have an endowment policy, structured product, or preference shares and you are interested in seeing what cash value you could get for it. Policy Trader – Short-term loan - Loan Type Short-term loans Benefits of Policy Trader - Quick and easy online applications - Trade policies for cash - Flexible repayment terms Short-term loan calculator Do not let your money go to waste, apply for Policy Trader today At Policy Trader they are the mouth of those who cannot speak for themselves. A policy is an asset which means you can sell it for cash. And at Policy Trader they specialise exactly in that. They buy restricted investment policies, which allows you to increase your cash flow at a better rate than what you would potentially get through alternative channels and financial institutions. Receive a settlement from Policy Trader Due to the inflation that is facing South Africans, they know they are desperately in need of cash. Hence, they do not want to keep you waiting. In 48 hours after their office has received the original documentation on a policy they have approved, they transfer the amount to your verified bank account. Products they are purchasing at Policy Trader - They can purchase growth and income plans - Policies and investments offered - Structured products - Life policy issued after 1975 and before 1990 - All the restricted endowment policy How to sell your policy to Policy Trader - Step 1- Request a valuation from Policy Trader for your restricted policy. - Step 2- if you are successfully evaluated, Policy Trader will send you an offer to purchase which will last for 7 days accompanied by all the documentation that needs to be completed for them to buy the policy. - Step 3 - if you are happy with everything, you will sign the offer to purchase together with the documentation provided. - Step 4 - after they have received the original documents, they will payout to the policyholder within 48 hours. Policy Trader is the best in the industry They have an amazing working relationship with Life Offices and Independent Financial Advisors. Policy Trader is completely independent with access to a large capital base which allows them to conclude large transactions quickly. They have online access to some of South Africa’s largest assurers for quick and accurate policy evaluation. Customer Reviews & Testimonials I was about to leave the company I had insurances at because I felt like they were robbing me up until I sold my policy at Policy Trader. I have money now — Knysna — Policy Trader can help you take control of the insurance company that wants to rob you of your money — Germiston — Policy Trader Contact - 021 551 8222 - 086 538 4995 - 223, Grand Central, The Quays, Park Ln, Century City Cape Town Western Cape 7441 South Africa - Get Directions - PO Box 744, Edgemead, 7407, South Africa - not available

https://loansplus.co.za/short-term/policy-trader

Navigating Business Uncertainties: Comprehensive Business Insurance in Colorado Colorado’s diverse economy, blending urban centers with natural beauty, offers a unique environment for businesses to thrive. However, with opportunities come potential risks that can impact your business’s success. To safeguard against uncertainties, comprehensive business insurance becomes an essential asset for companies in the Centennial State. In this article, we will explore the importance of comprehensive business insurance in Colorado, the coverage options available, and how they provide a safety net against unforeseen challenges. Understanding Comprehensive Business Insurance Comprehensive business insurance, often referred to as commercial insurance, comprises a range of coverage options tailored to address the specific risks faced by businesses. This coverage provides a comprehensive safety net that shields companies from potential financial losses arising from unexpected events. Coverage Options for Colorado Businesses - General Liability Insurance: This coverage protects businesses from claims of bodily injury, property damage, and personal injury. Whether it’s a customer injury on your premises or harm caused by your product, general liability insurance covers legal expenses and settlements. - Property Insurance: Colorado’s varying weather conditions and natural disasters can pose risks to business property. Property insurance ensures that your physical assets, including buildings, equipment, and inventory, remain safeguarded against damage or loss. - Business Interruption Insurance: In case of a covered interruption, such as a fire or natural disaster, business interruption insurance compensates for lost income and ongoing expenses, helping your company navigate financial challenges during downtime. - Professional Liability Insurance: For companies offering professional services, errors or omissions can lead to legal claims. Professional liability insurance, also known as errors and omissions insurance, safeguards against claims related to inadequate work or negligence. Comprehensive Business Insurance in Colorado: - “Comprehensive Business Insurance Colorado” - “Colorado Company Protection Coverage” - “Best Business Insurance Options CO” - “Comprehensive Business Protection Colorado” Ensuring Business Resilience in Colorado Colorado’s diverse industries, including technology, outdoor recreation, and healthcare, offer a mix of opportunities and risks. While these sectors promise growth, they also present unique challenges that businesses must navigate. Comprehensive business insurance is designed to address these challenges, providing the protection necessary to ensure your company’s resilience and continued growth. Business Insurance Colorado Comprehensive business insurance serves as a critical tool for businesses in Colorado aiming to navigate uncertainties and secure their future success. Its comprehensive coverage, spanning general liability, property insurance, and specialized solutions like professional liability, offer a robust shield against unexpected events that could otherwise lead to financial strain. By recognizing the importance of comprehensive business insurance and selecting the right coverage options, Colorado businesses can confidently pursue growth and prosperity while having a safety net in place. With comprehensive business insurance as a protective layer, Colorado companies can face the dynamic business landscape with assurance, knowing they are prepared to overcome obstacles and continue thriving.

https://randomtalks.com.ng/2023/08/27/smart-business-moves-securing-your-success-with-u-s-insurance-coverage/

21 Feb 2024, Edition - 3144, Wednesday Secure Your Child With a Personal Accident Cover From Bajaj Finserv February 11, 2020 Business Wire IndiaAs a parent, it isn’t uncommon for you to be worried about your child’s safety and this concern only intensifies when your young one is away at school or playing outside. To truly ensure that your child is covered against accidental risks, you can opt for the Child Personal Accident Cover offered by Bajaj Finance Limited, the lending and investment arm of Bajaj Finserv. Offered under Pocket Insurance & Subscriptions, this plan ensures that you can provide the best care for your child in case of an unfortunate incident. Read on to know the reasons why you should secure your child with a Child Personal Accident Cover. Avail high coverage at pocket-friendly premium Children, being young, energetic and curious, tend to be more prone to injury and at times meet with untoward accidents. When injured, timely aid is the key to recovery. In the absence of a contingency fund, to avoid delay, you would have to tackle treatment costs out of pocket. However, with Child Personal Accident Cover, you can avail financial assistance of up to Rs.1 lakh at a premium of just Rs.349 for a year. Coverage in case of disability Being a caring parent, you may have already bought a health insurance plan for your child. However, a basic health insurance does not cover permanent/partial disability. Furthermore, the medical expenses incurred to treat the complex treatments can deplete your savings substantially. The Child Personal Accident Cover offers coverage of up to Rs.1 lakh in case of a permanent or partial disability suffered by the insured child. Cover medical costs that come your way Child Personal Accident Cover helps you address injuries that your child suffers due to unforeseen accidents. For instance, in the event of a fracture, you can foot medical bills and pay OPD charges without breaking a sweat. This is extremely beneficial as your regular health insurance plan may not cover OPD treatment or the costs of follow-ups, lab tests, and casts. Obtain coverage through a hassle-free application process You can apply for this plan in a hassle-free manner by simply filling out the online application form with accurate personal details. Post filling the form, you can also pay the premium amount via net banking, credit/ debit card, UPI or mobile wallet. Once your information is verified, you will receive the details of your membership on your registered mobile number or email. Do remember to carefully save these details for future claims. In addition to Child PA Cover, Bajaj Finserv offers over 80 plans across health, travel, lifestyle, assistance, and more under its Pocket Insurance & Subscription s. You may choose one or more plans based on your lifestyle. With premiums starting at just Rs. 79, these plans secure you against a range of hazards and risks in an affordable way.

https://www.covaipost.com/secure-your-child-with-a-personal-accident-cover-from-bajaj-finserv/

Everything You Need To Know About Fire Bowls Imagine this scene — you’re sitting outside on a cool evening. The sun is starting to set, the birds are slowly stopping their chirping, and the smell of autumn is in the air. What sounds better than a few drinks and a few more roasted marshmallows by the fire? Maybe an ordinary fire pit sounds like all you need… right? Maybe not for you. You’re looking for something a little different. Something that really draws the eye. Maybe something a little more, let’s say, artistic. In that case, maybe a fire bowl is just what you’re looking for. They come in a wide variety of styles, and you can get fire bowls that burn everything from wood and propane to natural gas and even bioethanol (a clean-burning fuel like you might find in a brand like Ecosmart). A fire bowl, to put it simply, is just a fire pit that looks like a bowl. And now that we know what they are, let’s dive into some of the most frequently asked questions that we’ve found people have about these beautiful backyard centerpieces. What’s the Difference Between a Fire Bowl vs Fire Pit? A fire bowl is simply a different physical shape or design for what is traditionally called a fire pit. The name comes across as a little fancier, but the basic idea is the same — it’s somewhere you can light a fire and watch it burn all night long. Really it’s just about aesthetics and preference. A fire bowl has a different look and feel than a fire pit. Fire pits tend to be square-ish, while fire bowls are — you guessed it — bowl-shaped. In all other aspects, they’re pretty similar. Both of them can burn the same variety of fuels. Both of them can come with wide edges where you can set drinks or food, and both of them can similarly have narrow edges so that it’s purely decorative (except for roasting marshmallows of course!). When we think of fire pits vs fire bowls, usually we think of pits as a bit lower to the ground, but that doesn’t have to be the case. There are absolutely fire bowls that are low and essentially flat, just like there are fire pits that are tall enough to serve as tables. in a pinch. So the differences are honestly pretty minor, and it’s not uncommon for even the names to overlap — fire pit bowls are definitely a thing. Shape simply stands out as the big difference. Even aesthetics can vary widely. You can have very simple, streamlined fire bowls and highly decorative fire pits, and vice versa. Another big similarity? They’re both made of high-quality materials. What Are Fire Pit Bowls Made Of? Because there are so many different brands and types of fire pit bowls, it’s pretty easy to find one that comes in the material you’re looking for. Your choices pretty much boil down to three main ones: concrete, ceramic, and metal — stainless steel and copper are two of the most common metals. All of them make for great fire bowls. Just like the difference between fire pits and fire bowls, it really comes down to your preferences. Do you want a fire bowl that’s lightweight and sturdy? Maybe a concrete fire bowl is going to be your best choice. Do you love the classic look of a copper patina? Then that’s the material for you. Just pick one that goes with your home and backyard’s overall aesthetic — no matter what you go with, you won’t be disappointed. What Is a Fire Bowl Used For? Roasting marshmallows? Drinks and laughs? Cuddling up with a loved one on a frosty autumn night? Adding a little flash of style to your backyard? All these and more are what fire bowls are used for! Fire bowls put out plenty of heat to keep you and your guests warm and toasty. They’re hot enough to roast scrumptious marshmallows, and they’re perfect for adding pizzaz to any backyard. They’re literally transformational in that respect — they become the centerpiece of any deck, patio, or backyard, drawing the eye and lighting up the party. And some fire bowls can even be used for cooking! How Do Fire Bowls Work? Because there are a wide variety of fire bowls, they work in a variety of ways. Many metal fire bowls are simply wood-burning, which essentially means you’re lighting them manually. For others, they might be lit by opening a gas valve and lighting a match or using a lighter. Still others have automatic igniters, and some even have igniters that are designed to reignite if the flame goes out. A lot of this depends on the model you buy. If you have a propane model, for example, your fuel source is different from a bioethanol model, so igniters can be different, and so can ignition methods. Just make sure you pick a model and ignition method that you’re most comfortable with. Can Fire Bowls Be Used Indoors? Want something inside your home that’s going to dazzle your visitors and make your home the hangout spot for the entire neighborhood? Then an indoor fire bowl is for you. So, can fire bowls even be used indoors? The answer to this is… sometimes. You might have noticed a trend in this article — most of what we’re talking about depends on a number of factors, and it’s no different with this question. Simply put, some fire bowls can be used indoors, and others can’t. For the most part, fire bowls cannot be used indoors. If you have a fire bowl that burns bioethanol, then you can have your fire bowl indoors! This is because it’s a clean-burning fuel. You can safely have a fire going indoors as long as you please. Just be sure to check with your supplier to make sure you have the right model — we love Ecosmart’s line of indoor fire bowls and fire pits. If roasting marshmallows in the comfort of your home is something that sounds incredible (and trust us — it is!), then an indoor fire bowl is right up your alley. Pro tip of the day — don’t use fire pits in enclosed spaces if they’re not burning bioethanol. Other types of fire pits are going to cause a buildup of toxic smoke and harmful gases, like carbon monoxide. Always use a fire bowl in an open space with plenty of airflow. And shouldn’t you be doing that anyway to take advantage of the breeze? Hey, even in the winter, a little brisk air doesn’t hurt! Check Out Our Whole Collection of Fire Bowls Looking for a fire bowl? You’re in luck — we’ve got tons: literally! Click here to check them out.

https://www.firepitsurplus.com/blogs/shopping-guides/everything-you-need-to-know-about-fire-bowls

“Insurance is a caring industry,” says Shaun Tarbuck of the International Cooperative and Mutual Insurance Federation (ICMIF). “It is there to look after people in their time of need.” The basic principle of insurance – pooling risk for mutual benefit – is fundamentally people-centred and co-operative. Yet as the 20th century drew to a close, this principle was diluted. Insurance, like other financial industries, lost its way. Starting in the 1980s, the mutual and co-operative insurance sector was decimated by a wave of demutualisations. Large insurers such as Prudential and Sun Life converted to joint stock companies, giving shares, dividends and cash payouts to policyholders. By 1999, the mutual sector had shrunk so much, researchers at reinsurer Swiss Re asked whether mutual insurance companies were an endangered species. It was by no means clear what benefit demutualisation offered to customers. Critics said insurance companies were no longer being run for the benefit of their customers, but to make profits for investors. And they had a point. In 2005, research by two American professors of finance, Joseph Meador and Lal C. Chugh, demonstrated extraordinary returns on equity for investors in the demutualised insurers. More importantly, they showed fundamental changes in the nature of the business undertook by these new joint-stock insurers. “Our findings clearly demonstrate a revolutionary change in the behaviour and strategies of the newly demutualised firms,” they said. “Change is both extensive and widespread. The firms substantially increased their returns on equity and returns on assets. “Second, the firms increased their revenue nearly 2.6-fold over the three years following conversion. Third, they accomplished dramatic changes in product composition, moving from the traditional life insurance business to wealth and pension fund management. “The fourth change … was the adoption of riskier investment portfolios, adding more and lower-rated debt securities. Finally, the firms repositioned capital structures in favour of more long-term debt.” So these newly demutualised insurers delivered extraordinary returns by vastly increasing the risk of their investment portfolios, not by improving underwriting. At the time, this was not regarded as a bad thing – as long as returns were good, few saw any danger. The professors concluded: “Our research confirms that demutualisation has unlocked substantial value previously lying dormant in the mutuals. It has promoted innovation and operating efficiencies. In addition, demutualisation of life insurance companies has enhanced the allocative efficiency of the capital markets and therefore can be viewed as socially desirable.” What was left of the mutual insurance sector was sidelined, and with it the principle of sharing risk for mutual benefit. Insurance had become simply another type of investment banking. But the 2007-8 financial crisis changed all that. We think of it as primarily a crisis of banking, but it was in some respects just as much a crisis of insurance. In the US, “monoline” insurance companies provided insurance guarantees on residential mortgage-backed securities: when the value of these securities collapsed as the subprime mortgage crisis broke, many of the monolines bled to death. Insurance giant AIG, which issued guarantees in the form of credit default swaps to major banks, was bailed out by the US government after Lehman Brothers collapsed. In addition to these high-profile failures, the insurance sector as a whole was hit hard by the collapse in asset values. Large life insurers were badly affected by falling asset values in their investment portfolios. Since the financial crisis, returns on investment have become so poor, insurers have to focus on making underwriting profit rather than relying on investment income. In short, they are having to return to their roots. But for underwriting to be a reliable income source, they must attract customers. So just as in banking, customer service has become the new mantra, and insurance is rediscovering the primary importance of meeting customers’ needs. And this creates a golden opportunity for mutuals. Mutual insurers that do not have to satisfy the demands of external investors can give better value to customers, keeping premiums low while honouring claims in full. In a new report, reinsurer Swiss Re notes that as a sector, mutual insurers have loss ratios about 4% higher than other insurers – an “efficiency premium” that derives directly from the fact that they do not have to maximise profits. Large mutuals in highly competitive general insurance sectors particularly benefit from this efficiency premium. Mutual insurers also appear more resilient. The mutual sector weathered the financial crisis better than other insurers. Swiss Re says that mutuals are generally well capitalised, maintain good reserve levels and avoid excessive risks in their investment portfolios. But giving better value to customers and being more resilient are not enough. And despite fierce price competition driven by the proliferation of price comparison websites, price is far from being the only consideration for today’s concerned customers. Added-value services, and a socially responsible philosophy, are increasingly important. Mr Tarbuck says he has seen a structural change in the industry since the crisis. “Customers are more informed and more selective,” he says. “They are not just looking for a good insurance provider – they want to know that their insurance provider is a good corporate citizen.” There is already evidence that mutuals are benefiting from customers’ change in attitude. Premiums for mutual insurers grew by 15.8% between 2007 and 2014, compared with only 2.8% across the insurance industry as a whole. Much of this was in 2008 and 2009, when there appears to have been a “flight to quality” among insurance customers similar to that which benefited building societies at this time. But the resurgence of mutual insurance is still continuing, albeit slowly. Mutuals’ share of the market has grown from 24% in 2007 to 26% today. A recent Bain & Company survey quoted in Swiss Re’s report shows that customer loyalty scores for mutuals, as measured by Net Promoter Score (NPS), were more than double those of multinational stock-based insurers. It seems that customers trust mutuals enough to want to stay with them. Interestingly, the strength of mutual insurance appears to be a global phenomenon, with mutual life insurers doing well in Eastern Europe, the Middle East and Africa, and non-life insurers doing well in Latin America and the Caribbean. The international growth of mutual insurance is particularly impressive as 45% of countries do not permit mutual insurance. Breaking down these regulatory obstacles would give further impetus to mutual insurance worldwide. Regulation is a growing concern. Since the crisis, Solvency II regulations have tightened capital requirements and governance standards for insurance companies, the corollary to Basel III regulations for banks. The Swiss Re report says that these requirements could put some mutuals, especially smaller ones with a narrow regional or business line focus, at a competitive disadvantage. This could encourage a new wave of regulatory-driven consolidation among smaller mutuals. It is to be hoped that regulators will ensure the regulatory burden on smaller mutuals does not become excessive. The purpose of regulation is to make insurance companies more resilient, not drive them to the wall. And, of course, there are other headwinds. Since the crisis, smaller insurers – including many mutuals – have been hurt by persistently low interest rates on their cash balances, while larger insurers have been partly insulated by central bank policies such as quantitative easing that have propped up asset prices. Again, this tends to push insurers towards consolidation. On the bright side, technological developments that encourage risk pooling and sharing are likely to help the mutual sector. And there is an important social implication here. The report says that by enabling people to share risk capital to cover potential adverse developments that might affect individuals in a network, mutuals can offer an important safety net for the less fortunate or poorer in society. This is becoming increasingly important as governments in many parts of the world retreat from social insurance provision. New mutuals and co-operatives are needed to fill the gap that they leave. The financial crisis exposed the weaknesses in the investor-led joint-stock model. As the pendulum swings back towards sharing of risk and supporting those in need, a new era of mutualism is beginning to take shape. In this article - BAIN & COMPANY - Building society - Financial institutions - Joseph Meador - Lehman Brothers - Michael Coghlan - mutual and co-operative insurance sector - Mutual insurance - mutual insurance sector - mutual insurers - Mutual organizations - Shaun Tarbuck - Swiss Re - US government - North America - United Kingdom - Top Stories

https://www.thenews.coop/108175/sector/banking-and-insurance/back-future-new-age-dawns-mutual-insurance/

Jurors in Motor Vehicle Accident Trials: Should All Insured Drivers Be Excluded? In civil trials by jury, the juror selection process aims to weed out and exclude anyone who might be not be impartial as between the two sides of the dispute. Potential jurors can be excluded if they have a conflict of interest that is likely to affect their impartiality. In the case of a driver suing an insurer for his or her damages after a motor vehicle accident, does this mean that all fellow insured drivers should be excluded from the jury pool? That was the interesting – and still-unresolved – question in the recent Ontario case of Kapoor v. Kuzmanovski. This case involved a typical motor vehicle accident, with the driver suing his insurer for damages. When it came time for selecting a jury, the lawyer for the driver presented a relatively novel argument: They argued that any potential juror who drives a car, and who is insured under provincial motor vehicle insurance legislation, is “inherently in a conflict of interest” since they have a personal interest at stake that is adverse to drivers who bring claims against insurers. In other words, it was claimed that those insured drivers’ obligation to pay motor vehicle liability insurance premiums and their presumed desire to keep premiums low would constitute a conflict of interest with any other driver who was claiming for damages from an insurer. The court found that the novel argument presented by the driver’s lawyer raised questions affecting the rights of all Ontario citizens to sit as jurors in these types of trials, and the rights of both drivers and insurers to obtain an impartial hearing. Given that these were significant issues spanning well beyond the interests of these two parties, it declined to make a determination at the pre-trial stage. Instead, the court directed that a full motion should be heard as soon as possible to determine whether the driver’s argument was legally valid, and invited the Provincial Crown and a lawyer chosen by The Advocate’s Society to intervene as a “friend of the court” to assist by making legal arguments as to the broader impact of the court’s ultimate decision. So – forgive the pun – the jury is still out on whether insured drivers can be excluded as potential jurors in Ontario. If you have had a motor vehicle accident and have questions about the process or your rights, please get in touch.

https://www.vandykelaw.ca/2017/05/jurors-in-motor-vehicle-accident-trials-should-all-insured-drivers-be-excluded/

Google chrome download for mac pro. Haiiiahhhh!!!!!, Unresponsive support systemIn a week I’ve reported same issue for 3 times but didn’t get any response from the Google. Download Mozilla Firefox for Mac, a free Web browser. Firefox is created by a global non-profit dedicated to putting individuals in control online. Get Firefox for Mac today! This article explains how to download and install Firefox on a Mac. Tip: You can add Firefox to your dock for easy access. Just open your Applications folder and drag Firefox to the dock. Firefox is now ready for use. Just click on its icon in the dock or Applications folder to start it. When you first start up Firefox, you will be warned that you downloaded Firefox from the Internet. Because you download Firefox from the official site, you can click . Upon installation, Firefox will not be your default browser, which you'll be notified about. That means that when you open a link in your mail application, an Internet shortcut, or HTML document, it will not open in Firefox. If you want Firefox to do those things, click to set it as your default browser. If you're just trying out Firefox or simply do not wish to set Firefox as your default browser, click .

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4 Things You Need to Know About Hurricane Damage ClaimsSeptember 10, 2019 - 1. 1. Your Homeowner’s Insurance Might Not Offer Cover All Your Hurricane Damage - 2. 2. Document Everything Before and After a Hurricane - 3. 3. You May Get Offered Less Than Your Property’s Full Value - 4. 4. You May Qualify for Federal and State Disaster Relief - 5. An Alabama Property Damage Lawyer May Help You Rebuild - 6. Andy Citrin Injury Attorneys: Fighting for Alabama and Mississippi Gulf Coast Storm Victims Your home is your family’s safe haven. After a big storm, you’ll want to rebuild or repair property damage as quickly as possible. Unfortunately, the insurance policies that are supposed to help you protect your most important assets can slow down and complicate this process. Vague terms and unclear coverage options can leave victims in a tough place after a hurricane. In this blog, we’ll outline four of the most important things you should know about insurance claims after a big storm. 1. Your Homeowner’s Insurance Might Not Offer Cover All Your Hurricane Damage Homeowner’s insurance does not cover flood damage, including damage from storm surge and some sewer back-ups. Instead, you’ll need to obtain coverage from a private insurer or the NFIP (National Flood Insurance program). Sadly, many homeowners in Alabama and Mississippi do not have flood insurance. In 2017, the NFIP covered only 119,510 homes in Mississippi and Alabama, even though our coastal population has been steadily growing. In its 2019 Storm Surge Report, CoreLogic estimated: - In a Category 5 hurricane, 157,803 Alabama and Mississippi homes would suffer storm surge damage. - Storm surge from a Category 3 storm would harm 89,873 Alabama and Mississippi homes. Notably, these numbers do not take into account sewer back-ups and other forms of flooding. You should also take a close look at your homeowner’s policy windstorm coverage. In Alabama and Mississippi, you may need a separate policy that covers windstorms, such as tornados and hurricanes. Many of these policies, including those issued by the Alabama Insurance Underwriting Association (AIUA), set a higher deductible for hurricane-related claims. 2. Document Everything Before and After a Hurricane When you’re filing a hurricane damage claim, the insurance company will request detailed information about the condition of your home, the repairs you’ve made, and the personal items you lost. If you don’t have a detailed pre-hurricane inventory, receipts associated with emergency repairs, and other evidence, it will difficult to get compensation for your losses. At Andy Citrin Injury Attorneys, we suggest a two-part documentation process. Before the Hurricane or Storm Before hurricane season starts, it’s a good idea to take pictures of your home’s interior and exterior. You should also create a detailed inventory that lists the items within your home and how much you paid for them. If you have receipts or appraisals, it’s a good idea to include copies of them in your inventory. To keep this information safe, we suggest keeping a copy of these records in a waterproof container or online in a strongly password-protected account. After the Hurricane or Storm While the insurance company will probably want to secure your property with tarps, plywood, or other materials, take pictures and videos of the scene before you make emergency repairs. That way, you’ll have documentation of exactly what your home looked like in the aftermath of a hurricane. If you didn’t take all these steps, don’t panic. However, you will need to carefully reconstruct a home inventory as part of your hurricane damage claim. Your lawyer may be able to guide you through this emotionally difficult process if you feel overwhelmed by the task. 3. You May Get Offered Less Than Your Property’s Full Value It’s important to remember that your insurer will only pay up to your policy limits. If you decided to buy a barebones homeowner’s insurance policy, you could lose out on valuable compensation. Your policy may also place limits on the amount it will pay for certain types of losses, such as personal items inside your house. Assessing the value of your claim is never straightforward — your priceless family heirlooms’ worth can be very different to the insurance company than they are to you. Depending on your policy, you may receive either the replacement value or actual cash value (ACV) of your items. An item’s replacement value is the amount it will cost to rebuild or obtain a new version. In contrast, if your insurer pays its ACV, you’ll only get compensated for its pre-storm, depreciated value. However, insurance companies also try to undervalue assets during a property damage claim. If you think you’re getting an unfair settlement offer, consult with an experienced lawyer. RELATED ARTICLE: How to Prepare for a Hurricane in Alabama 4. You May Qualify for Federal and State Disaster Relief In addition to your insurance claims, you may also be eligible for a variety of state and federal disaster relief programs. FEMA and other agencies provide hurricane victims with financial assistance if they’re uninsured or underinsured. Additionally, the U.S. Small Business Administration offers low-interest, long-term loans to both businesses, homeowners, and renters after a natural disaster. If you’re eligible, you can use these funds to help rebuild or replace your home. To find out more about these programs, you can visit FEMA’s Disaster Assistance website, a Disaster Recovery Center, or your state’s emergency management agency. An Alabama Property Damage Lawyer May Help You Rebuild When you, your family, and your property are harmed by extreme weather or forces of nature, putting your life back together can be a challenge. Unfortunately, the insurance companies may complicate your recovery with red tape and denied claims. Some common excuses for denied homeowner’s insurance claims include: - Purchasing the insurance policy shortly before a storm develops in the Gulf of Mexico - Blaming the damage on factors that pre-existed the storm - Lack of evidence - Claiming that it canceled your policy before the date of loss When the insurance company is trying to limit the amount of compensation you receive, or refuses to help you with your claim, consider contacting an Alabama property damage lawyer. An experienced property damage lawyer can help you understand the terms of your insurance policy, your claim’s value, and fight on your behalf. At Andy Citrin Injury Attorneys, we’re not afraid to stand up to insurance companies and demand justice for our Gulf Coast neighbors. That’s why we use sophisticated and aggressive tactics to develop and litigate our clients’ claims. Andy Citrin Injury Attorneys: Fighting for Alabama and Mississippi Gulf Coast Storm Victims At Andy Citrin Injury Attorneys, we have over 50 years of experience handling the toughest property damage claims. The Gulf Coast is our home, and we understand that when hurricanes and other natural disasters destroy our homes, the losses are devastating. We’ve recovered hundreds of millions for our clients and fight relentlessly on their behalf. Take advantage of our free case evaluation; call (251) 888-8888 today or complete our simple online form. 2019 storm surge report. (2019). CoreLogic. Retrieved from https://www.corelogic.com/insights-download/storm-surge-report.aspx Fact file: Alabama hurricane insurance. (2018, September). Insurance Information Institute. Retrieved from https://www.iii.org/article/fact-file-alabama-hurricane-insurance Fact file: Mississippi hurricane insurance. (2018, September). Insurance Information Institute. Retrieved from https://www.iii.org/article/fact-file-mississippi-hurricane-insurance The content provided here is for informational purposes only and should not be construed as legal advice on any subject. Contact Us, Andy is Ready to Win for You OUR PROMISE TO OUR CLIENTS: YOU WON’T PAY A DIME UNTIL WE WIN We Know How Stressful Serious Accidents Can Be Our law firm supports its clients at every step of the way. We handle the details of your legal claims and make sure you have the information you need to make the best choice for your family and your future. Getting Injured People the Help They Need After a Serious Accident

https://andywins.com/blog/4-things-you-need-to-know-about-hurricane-damage-claims/

Regardless of size of your firm, the significance of getting service from a top independent engineers and architects insurance company should not ever be underestimated. Given the present unsettled economic climate, architects need to make every endeavor to protect their personal finances in addition to financial assets of the firm they work with. It is always a priority as a business owner to make sure you have all your bases covered. A single small error or omission in the architecture field can result in a substantial amount of expensive litigation, so having this insurance in place is incredibly important. Even if you are found not liable in the end, the price of such litigation is frequently enough to wipe out a small or moderately sized firm. This is prior to even taking into account the possible damage to your reputation. This means that architects and engineers insurance is an essential ingredient to a secure future for your company. Fenner & Esler is a highly experienced independent architects insurance company that can assist you to navigate this challenging course to find the best architect and engineers insurance for you. Options for Architects Insurance Online you’ll discover a lot of architects & engineers insurance companies offering cookie cutter policies. This deters a lot of architects from finding policies that are going to be capable of meeting their needs effectively. In fact, the price of the cookie cutter policies leads many young structural architect to make the choice to go without architects insurance coverage, which has the potential to be a career ending mistake. Sadly, a lot of architects just starting out make this mistake. Lots of times they determine it’s in their best interest to put aside money in case of an emergency as opposed to paying for insurance services they won’t need. However, there are several problems with this specific scenario. First of all, if an unexpected problem arises, often the money isn’t available as it is too tempting to take from. You can never be certain when you’ll need the coverage as lawsuits could be filed years following the completion of the project. Also, a lot of people underestimate how much money they will have to spend in legal costs, even when they’re found not liable. These sorts of legal cases can bankrupt your business after being dragged on for years, ruining your reputation in the process. Even if unfounded, architects & engineers insurance can also help you protect against claims of negligence. Finding an independent architect insurance company which is able to supply scalable architects and engineer insurance to suit your precise needs is a better solution, and one which will ensure the continuing future of your business. 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There are plenty of opinions on what the right insurance rates should be, but there should be some minimum limits put on the coverage that comply with individual state requirements. For the person who is paying premiums for a family, prices need to be moderate and the coverage has to be adequate. Here are some guidelines for selecting a suitable health insurance supplier. The Patient Should Have Choices Regarding Treatment Many insurance carriers want to dictate where people must be treated and where they get medications. This is an acceptable limitation for some people, so it is a personal choice. Many of the high dollar insurance providers operate under the premise of preferred physicians plans. If the provider of the health insurance allows for no variance on physicians for any reason, it might not be a wise investment. The Limits of Coverage for All Conditions Many policies have ailment charts that tell what the insurance company is willing to pay for most conditions. While there is no exact way to know what the actual cost for a surgery or sickness might be, low cost medical insurance should pick up the tab for 80% of a moderate sickness and medical care. Major medical coverage should be a part of the health package and it should kick in to prevent bills from getting too high. Hospital Stay and Out Patient Service Many of the procedures that once resulted in hospital stays have become outpatient services, and some of the cheapest health insurance policies may not cover them. Checking current pricing for a semi private room is a good way to find if the insurance that is quoted is sufficient to cover most of that cost. No insurance will cover all costs, but a policy should cover a high percentage so the person coming out of the hospital won’t suffer financially. Health Insurance Deductibles and Exclusions One thing is certain, if you get extremely cheap health insurance, deductibles will be high and some important coverage may be left off the policy. Deductibles for doctor visits and medicines should be low, while major medical coverage might be as much as a couple of thousand dollars. Many insurance companies don’t cover cancer unless a rider is added, but that protection is something that should be considered. A Real Insurance Policy Some insurance supplemental policies are disguised as inexpensive health insurance, but they are very limited and only give money for certain illnesses or accidents. They often pay a few dollars on extremely expensive medical procedures or operations. These are fine policies if they are held in conjunction with cheap health insurance coverage, but they aren’t much good if they are the only coverage that a person has. There are generally some tradeoffs in health insurance coverage because hospitals and doctors are so expensive. The person who finds a policy that covers most of the important points should be satisfied. The insured may be able to work around some of the desired features and still have a good sound policy.

https://reallycheaphealthinsurance.com/what-is-a-good-health-insurance-price/

In today’s competitive insurance industry, finding quality leads is crucial for business success. However, with so many lead providers out there, how can you be sure you’re investing in the right ones? This is where insurance lead reviews become invaluable. By leveraging the power of reviews, you can make informed decisions that will ultimately drive your business forward. In this article, we’ll explore the significance of insurance lead reviews, what factors to consider when reviewing leads, and how to utilize these reviews effectively. Let’s dive in! Understanding Insurance Leads Before we delve into the world of insurance lead reviews, let’s first establish what insurance leads actually are. In simple terms, insurance leads are potential customers who have shown interest in purchasing insurance products or services. These leads can come from various sources such as online forms, referrals, or even purchased lists. Insurance leads play a vital role in the insurance industry as they serve as the foundation for customer acquisition. They provide insurance agents and companies with the opportunity to connect with potential clients, understand their needs, and offer tailored solutions. Now that we have a basic understanding of insurance leads, let’s explore why insurance lead reviews are essential. Importance of Insurance Lead Reviews Insurance lead reviews act as a guiding light in the vast sea of lead providers. They help insurance professionals make well-informed decisions by providing valuable insights into the quality and reliability of different lead sources. By reading reviews from other agents or companies who have utilized these leads, you gain a better understanding of what to expect. One of the key advantages of insurance lead reviews is the ability to identify trustworthy lead providers. With so many options available, it can be challenging to determine which providers deliver on their promises. Reviews allow you to gauge the experiences of others and identify providers that consistently deliver high-quality leads. Furthermore, insurance lead reviews can significantly impact your conversion rates. By choosing leads that have been positively reviewed, you increase the chances of connecting with potential clients who are genuinely interested in purchasing insurance products. This targeted approach saves you time and resources, allowing you to focus on converting leads into customers effectively. Factors to Consider in Insurance Lead Reviews When diving into insurance lead reviews, it’s crucial to consider several key factors that can make or break your lead generation efforts. These factors will help you evaluate the quality and effectiveness of potential lead providers, ensuring you make the right decisions for your business. Let’s explore them further: Lead Quality, Exclusivity, and Filtering Options The quality of insurance leads is paramount. It’s essential to review providers that offer leads with accurate and up-to-date information. Look for reviews that highlight the conversion rates achieved with these leads and whether they match your target audience. Exclusivity is another crucial factor to consider. Some providers sell leads to multiple agents or companies, which can lead to fierce competition and lower conversion rates. Reviews can shed light on whether a provider offers exclusive leads or shares them with a limited number of agents, ensuring you get a fair chance to convert. Filtering options are equally important. A provider that allows you to filter leads based on specific criteria, such as location, age, or insurance needs, gives you greater control over the leads you receive. Reviews can reveal whether providers offer robust filtering options, allowing you to tailor your lead acquisition strategy accordingly. Pricing and Return Policy Pricing is a significant consideration when selecting insurance leads. Reviews can help you determine whether a provider offers fair and competitive pricing in relation to the quality of leads they provide. It’s also essential to consider the return policy. Reviews can shed light on how providers handle refunds or replacements for leads that do not meet your expectations. Considering these factors highlighted in insurance lead reviews will help you make informed decisions and select lead providers that align with your business goals. Frequently Asked Questions (FAQ) Q: Are insurance lead reviews trustworthy? A: Insurance lead reviews can be a reliable source of information if you consider reputable review platforms and read multiple reviews from different sources. Look for consistent feedback and insights to get a comprehensive understanding of a provider’s reputation. Q: How can I effectively interpret insurance lead reviews? A: When reading reviews, pay attention to specific details that align with your business needs. Look for reviews that mention factors like lead quality, conversion rates, pricing, and return policies. Consider both positive and negative reviews to get a well-rounded perspective. Q: Are all insurance lead review platforms reliable? A: Not all review platforms are created equal. It’s important to rely on reputable platforms that have a track record of providing accurate and trustworthy reviews. Seek platforms that have a large user base and a transparent review process to ensure credibility. In the ever-evolving insurance industry, insurance lead reviews play a crucial role in helping you make informed decisions for your business. 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https://stylestich.com/insurance-lead-reviews/

Looking for a Vincentown, NJ Group Health Insurance Broker? Triton Benefits is a licensed and bonded insurance brokerage firm and a division of Triton HR serving Vincentown, NJ. We are a national group health benefits brokerage firm offering innovative group health plan designs, assistance, and HR technology. The synergy between being a benefits broker and understanding HR technology’s influence on most businesses is key to being a 21st-century broker. Triton’s deep knowledge and team competence allow them to offer major carrier plans, level and self-funded plans, compliance preparation and ACA expertise. We provide a strategy to assess health-related risks affecting insurance claims experience, as well as education on establishing patterns that affect employers and their employees. We are innovators in the field, regularly providing their clients easy access to Telehealth (remote medicine), wellness programs and enhanced convenience through mobile apps. With over one hundred years of combined Group Benefit expertise and $225M in annual premium, Triton Benefits delivers an insurance solution, not just a simple spreadsheet that is altered by “modifying the deductible”. Licensed Insurance Brokers Long-Term Renewal Strategy Fully Insured, Self and Partially Self-funded Plans, H.S.A., H.R.A, Level Funded Plans Wellness Technology & Health Coaching Flexible Spending Accounts 401( k) plans Dental, Vision, Life and Disability Plans Benefits Administration, including online enrollment, COBRA Premium Remittance and Reconciliation Group Health Benefits Solutions in Vincentown, New Jersey Because Triton Benefits oversees over $200M in health and welfare spend each year in the Vincentown area, we bring substantial market leverage to bear when negotiating on behalf of our clients. Triton Benefits and HR Solutions prides itself on its extensive book of business and the fact that we have significant client penetration with every major carrier in the market place. We Work With All The Major Carriers & Can Personalize a Long-Term Strategy For Your Business

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If you are looking for SR22 Insurance in Ohio, you have come to the right place. In this blog post, we will explain what SR22 Insurance is and who needs it in the Buckeye State. Whether you are a driver who needs SR22 insurance or you are looking for coverage for someone else about an SR22 bond in Ohio, here’s what you need to know. What is SR22 Insurance? SR22 insurance is a type of car insurance that is required for drivers who have been convicted of certain traffic violations. The SR22 form is filed by the insurance company with the Ohio Bureau of Motor Vehicles (BMV) and proves that you have the minimum liability coverage required by state law. Why do I need SR22 Insurance? It is illegal to drive in Ohio without the minimum amount of car insurance coverage required by law. If you are caught driving without insurance, your license will be suspended. If you have been convicted of certain traffic violations, the court may order you to get SR22 insurance as part of your sentence. Who needs SR22 Insurance in Ohio? If you have been convicted of any of the following offenses, you will need to get SR22 insurance: - Driving without insurance - Reckless driving - Street racing - Leaving the scene of an accident - A previous lapse in insurance coverage What happens if my insurance lapses? You always need to have insurance to drive in Ohio, but if your insurance lapses, you will need to file an SR22 form with the BMV. It’s important to do this as soon as possible because if you are caught driving without SR22 insurance, your license will be suspended. How do I get SR22 Insurance in Ohio? If you are required to get SR22 insurance, you will need to contact an insurance company/broker that offers this type of coverage. You will need to provide the company with your driver’s license number and date of birth. The insurance company will then file the SR22 form with the BMV. How much does SR22 Insurance cost in Ohio? The cost of SR22 insurance varies depending on the insurance company you choose and your driving history. As with most insurance, SR22 bonds in Ohio will cost more if you have a history of accidents or traffic violations because you will be classified as a higher-risk driver. Non-Owner SR22 Insurance in Ohio If you don’t own a car but need SR22 insurance, you can get non-owner SR22 insurance. This type of coverage will provide you with the liability protection required by the state of Ohio, even if you don’t own a car. When you do drive a car, whether it is one you rent or someone else’s, you will be covered by the non-owner SR22 insurance policy. Get an SR22 Bond in Ohio and Stay on the Road SR22 insurance is a necessary part of life for some drivers in Ohio. If you have been convicted of certain traffic violations, the court may order you to get SR22 insurance as part of your sentence. It is important to comply with this order because if you are caught driving without an SR22 bond in Ohio, your license will be suspended.

https://trycarinsurance.com/how-to-get-sr22-insurance-in-ohio-what-you-need.html

After proving liability for your bicycle accident in Whitney, you can proceed with seeking compensation for the losses you suffered. This process can begin with an auto insurance claim against the at-fault driver if they have appropriate insurance coverage. Nevada law requires every driver to have auto insurance that meets basic coverage requirements for bodily injury and property damage, but insurance alone may not fully cover your losses. A personal injury suit allows the victim of a bicycle accident to claim compensation for the full scope of damages a defendant inflicted. Under Nevada’s personal injury laws, the plaintiff will have the right to seek compensation for damages such as: - Medical treatment costs. Many bicycle accidents result in catastrophic injuries, some of which can require extensive ongoing medical care. The defendant who injured you is liable for the entire extent of medical treatment you need to heal as fully as possible from your injuries. This includes both immediate and future treatment for severe injuries. - Lot income. When the plaintiff in a personal injury case is unable to work and earn income, the defendant who injured them is liable for the wages they are unable to earn during their recovery. This includes both immediate and future lost wages if they are permanently disabled from the accident. A bike injury attorney in NV can help their client calculate the future income they are no longer able to earn. - Property damage. This is likely to include the cost of fixing or replacing the plaintiff’s bicycle and any other property lost in the accident. - Pain and suffering. Nevada law allows the plaintiff in a personal injury case to seek financial compensation for the physical pain and emotional distress a defendant caused with their actions. There is no limit to this facet of a case award, so the plaintiff has the right to claim as much as they deem appropriate to reflect the severity of the injuries they suffered and the scope of future complications they are likely to face. It is possible for a plaintiff to also receive punitive damages at a judge’s discretion. A judge may award punitive damages if a defendant was egregiously negligent or if they broke the law in causing the accident. Ultimately, many variables can potentially impact your recovery, and having the right attorney on your side maximizes your chances of securing the fullest recovery possible. Easton & Easton can work closely with you to help navigate your case proceedings and recover as much compensation as possible for your damages. Most of the personal injury cases filed do not go to trial, as private settlement typically offers all parties involved an easier, more agreeable option for resolving their case. We can aim to settle your case outside of court if possible but are fully prepared to represent you in litigation if necessary. Q: Is Nevada a No-Fault State? A: In a no-fault state, drivers involved in any vehicle accident must use their own auto insurance policies to cover their damages, regardless of which driver caused the accident. Fault only factors into resolving these cases when a victim has suffered extraordinary damages. Nevada is not a no-fault state, so proving fault is an essential first step in resolving any vehicle accident in Whitney. Your bike injury attorney in NV can help gather the proof of fault you need to build your case. Q: Can a Bicyclist Share the Fault for Their Accident in Whitney? A: Yes, it is possible for a bicyclist to face comparative fault for their recent bicycle accident. Nevada follows a modified comparative fault rule, meaning each liable party has a fault percentage assigned. If the plaintiff is more than 50% at fault, they cannot seek compensation from any other party. If they are less than 50% at fault, their fault percentage is subtracted from their case award. For example, 10% fault means losing 10% of their final case award. Q: How Long Do I Have to File a Bicycle Accident Claim in Whitney? A: Recovering from your recent bicycle accident may start with an auto insurance claim against the at-fault driver, and you will only have a few days in which to file this claim. If you must file a personal injury suit, the statute of limitations for this claim is two years, starting on the date your accident occurred. It will take time to compile your case, so it is vital that you reach out to a bike injury attorney in NV as soon as possible after your accident. Q: What Is My Bicycle Accident Claim Worth? A: Nevada’s personal injury law allows a plaintiff to seek full compensation for any economic damages they suffered because of a defendant’s negligence or illegal misconduct. Your case may yield compensation for medical expenses, future medical treatment costs, property damage, lost income, and your lost future earning capacity. You also have the right to seek compensation for the pain and suffering the defendant caused. Q: How Much Does It Cost to Hire a Whitney Bicycle Accident Lawyer? A: The team at Easton & Easton accepts personal injury cases on a contingency fee basis. This means our client only pays a fee to our firm after we have won their case, and the fee is a percentage of the total amount we recover on their behalf. There is no fee if we cannot obtain recovery for your claim, and no risk of paying more for legal representation than you win in compensation for your damages. Any bicycle accident has the potential to be a life-changing event for the victim and their family, and the right Whitney bicycle accident lawyer will be invaluable to your recovery efforts after any such incident. The team at Easton & Easton is ready to leverage our professional resources and experience to help you recover, so contact us today and schedule a consultation with an experienced Whitney bicycle accident lawyer you can trust with your case.

https://www.eastonlawoffices.com/whitney-bicycle-accident-lawyer/

Amid the Coronavirus pandemic, which has spread its tentacles all over the world, the Indian government has made some changes for health insurance policyholders, which are important. These changes will benefit both the existing holders and new buyers against COVID-19 protection. The IRDAI (Insurance and Regulatory Authority of India) has issued numerous guidelines in favor of the consumers in the past few months to make the process of insurance and claim settlement smooth. Along with them, certain special features are also introduced in these new norms. From “Corona Kavach” and “Corona “Rakshak”, to extension in payment of premium, here are the top financial changes in health and insurance care policies that you should know. Introduction of “Corona Kavach and “Corona Rakshak” Policy The IRDAI has announced the introduction of the “Corona Kavach” health plan and “Corona Rakshak” fixed benefit plan for all Indian citizens. Under the introduction, IRDAI has mandated 30 general and health insurers to offer the plan and address the basic health insurance policy in the country. For the policy, companies including ICICI Lombard and Bajaj Allianz have come forward to deliver various budget-friendly plans to accommodate their customers. The policies will cover medical bills, personal protective equipment (PPEs), and other hygiene-related consumables. Provision of cashless facility to the Policy Holders During the last three months, the country saw a huge spike in the cashless transactions taking place. While there was a major hike in numerous sectors, the IRDAI noticed that there were few hospitals and healthcare centers that denied cashless transactions for policyholders for the treatment of COVID-19. To assess any further disregard, the IRDAI has advised insurance companies to ensure that the policyholders are allowed a cashless facility at the hospitals. The authority also asked the health care administrations to provide a complaint service to regulate the flow of the new message. Discount in premium in “Corona Kavach” Policy to Healthcare Workers As a sign of gesture towards the uncounted work of the healthcare workers, the IRDAI has assigned to give out an account for a discount in the premium of the “Corona Kavach” insurance policies. Under the offer, a discount of 5% is to be given to doctors, nurses, and other healthcare workers for the new policy. According to Centre, 548 doctors, nurses, and paramedics have been infected with the Coronavirus. This discount will, therefore, benefit them in a harsh situation. However, the data does not include field workers, ward boys, sanitation workers, security guards, lab attendants, peons, laundry, and kitchen staff. Relaxation for the collection of Health Insurance Premium In a bid to support the country with the liquidity of financial terms during the lockdown, the committee has decided to allow relaxation for the collection of Health Insurance Policy premiums. Under the new rules of IRDAI, a consumer can avail to pay health premiums on an installment basis. These installments are to be exercised on a monthly, quarterly, or half-yearly basis. The IRDAI body has also made it mandatory that the frequency of each premium is to be kept constant. The policy company nor the holder will be allowed to make changes in the installments. Extra time to pay insurance premiums The IRDAI body has assured the policyholders an extension period of payment. Thus, all policyholders are liable to get extension in life and health insurance renewal premiums during nationwide lockdown for March and April. This is to ensure continuity of life and health insurance policies in the country. ALSO READ: Health Insurance: How To Choose COVID Insurance Policy

https://www.flickonclick.com/five-things-to-know-before-applying-to-health-insurance-post-pandemic/

In the province of British Columbia, vehicle owners, including leasing and rental companies, are vicariously liable for the negligence of permissive drivers of their vehicles. Damages recoverable against lessors, however, are capped by statute at CDN $1 million (a provision commonly known as the “Lessor Damages Cap”). Since the Lessor Damages Cap was introduced, there has been some controversy over whether it was intended to apply to amounts in excess of any damages collectible from others, or to include payments made by other jointly and severally liable parties. The implications were significant, as vehicle leasing companies, unlike most individual drivers, generally have deep pockets, and can face significant exposure arising from actions of persons over whom they have no control. In the case of Stroszyn v. Mitsui Sumitomo Insurance Company Limited, the British Columbia Court of Appeal resolved the controversy in favour of the leasing companies. At the same time, however, it sent a message to the insurance industry concerning the importance of compliance with statutory language requirements, by refusing to enforce the excess insurer’s exclusion for drivers of leased vehicles, which was otherwise valid. In Stroszyn, the plaintiff had been injured when he was struck by a vehicle driven by Jason Chen. The Chen vehicle had been leased from the insured, Honda Finance Inc., by Mary Chen. All three entities were sued, and damages were agreed to at $1.6 million, with a further agreement that the liability of Honda and its insurer would be subsequently dealt with by application to the court. The vehicle in question had been insured by the Insurance Corporation of British Columbia (“ICBC”) to a limit of $1 million. Mary Chen and Honda were named insureds under the policy, and Jason Chen was covered as a family member of Mary Chen. Coverage was not in issue in respect of the ICBC policy. Honda was also covered by an excess policy, with a limit of $9 million. The policy expressly excluded lessees and drivers of leased vehicles. ICBC paid its limit of $1 million, and the court was asked to address two issues in relation to the outstanding $600,000: - whether Honda was liable for the outstanding settlement amount after ICBC’s limit had been paid. Honda’s position was that the $1 million, paid by ICBC, had discharged its maximum exposure under the Lessor Damages Cap; and - whether Jason Chen, whose liability was not limited by statute, was an unnamed insured under Honda’s excess policy notwithstanding the exclusionary language. Such a result would require Honda’s excess insurer to pay the additional $600,000, regardless of Honda’s liability for that amount. On the first issue, the court at first instance held that the Lessor Damages Cap applied only to damages in excess of the monies paid by ICBC, such that Honda was found liable for the $600,000 in excess of ICBC’s limit. On the second issue, the court held that the exclusion for lessees and drivers was valid, and that Jason Chen was not an insured under the Honda policy. Both parties appealed. The Court of Appeal reversed on both issues. On the lessor damages issue, the court held that where parties are jointly and severally liable for damages, any payment made by an insurer reduces the liability of each responsible party to the full extent of the payment, leaving the tortfeasors jointly liable for the balance. Thus, where $1 million is paid pursuant to a lessee’s primary automobile policy, the liability of both the lessee and the jointly liable lessor would be reduced by that amount. As such, the lessor’s maximum exposure under the Lessor Damages Cap would be discharged, and any excess liability would remain only with the other jointly liable parties. The court noted that this would be an appropriate result in cases where the liability of the lessor was entirely vicarious, and there was no basis for apportionment or severance of liability. The court, however, specifically left open the issue of whether the same rule would apply where the lessor was not named as an insured under the lessee’s policy (as is common in other jurisdictions). In respect of the excess coverage issue, the insurer had filed a Power of Attorney and Undertaking with the Canadian Council of Insurance Regulators, which precluded it from raising any defence that would not have been available if the policy had been issued in British Columbia. This was significant because in British Columbia, an excess auto insurer is permitted to write excess coverage only on the same terms for the same insureds as the underlying policy, except that it may “prohibit a specified person or class of persons from using or operating the vehicle” if the policy includes the following words in a “prominent place”, and in “conspicuous lettering”: This policy contains prohibitions relating to persons or classes of persons, exclusions of risks or limits of coverage that are not in the insurance it extends. While the exclusionary language in the Honda policy was itself permitted, the court based its decision on the fact that the words of warning, required by the legislation, did not appear on the policy. The insurer argued that the policy was not purchased by Jason Chen, who had never seen the wording, and the words were therefore immaterial. The court disagreed, holding that the words were designed to protect all insureds, named and unnamed, whether or not the wording had been brought to their attention. The court interpreted the statute, strictly, and held that the exclusions were invalid. Consequently, Jason Chen was covered as an unnamed insured, as he was by the underlying primary policy. While the lower court’s decision was reversed in relation to both Honda’s liability and Jason Chen’s coverage, the result after appeal remained the same for Honda’s insurer: it would still have to pay $600,000, which was the amount outstanding on the settlement of the plaintiff’s claim. The only difference was that the money would be paid on behalf of Jason Chen instead of Honda, thereby eliminating any potential subrogation rights against him. The Stroszyn case is significant in two respects: First, it settles the question of whether the Lessor Damages Cap includes payments made by the lessee’s primary insurer. While the mandatory minimum automobile liability coverage in British Columbia is $200,000, vehicle leasing contracts typically require the lessee to purchase at least $1 million in coverage. Therefore, Stroszyn represents a fortuitous result for companies leasing vehicles in British Columbia, whose own coverage or self-insured retention will now rarely come into play. Second, the decision highlights the importance of insurers’ compliance with statutory requirements in every jurisdiction in which they provide coverage. Had the policy contained the required warning to insureds, in addition to the otherwise valid exclusions, the Court of Appeal’s ruling on lessor damages would have saved the underwriters $600,000. A link to the Stroszyn decision can be found at http://courts.gov.bc.ca/jdb-txt/CA/14/04/2014BCCA0431.htm. Readers with questions concerning this decision, or BC insurance issues generally should feel free to contact Jonathan Hodes at email@example.com or +1 604 643 1256. 2014 BCCA 431.

https://www.millerthomson.com/en/insights/lloyds-brief-canadian-legal-perspectives/absence-of-statutory-warning-turns-victory/

It seems pundits are correct that most people just don't want to think about cyber insurance losses. No one came to the Clubhouse room; so, rather than talking to herself, Chantal is giving you this blog information about cyber claims. Businesses rely heavily on IT systems and networks to store and manage sensitive information. However, with the rise in cyber threats, such as data breaches and ransomware attacks, it has become imperative for businesses to safeguard themselves against potential financial losses. This is where cyber insurance comes into play. Understanding Cyber Insurance: Cyber insurance is a specialized type of coverage that protects businesses from financial losses resulting from damage or loss of information in their IT systems and networks. Unlike traditional insurance policies, there is no standard form or historical trends to analyze when it comes to cyber insurance. Each company offering cyber insurance has developed its own list of coverage options and exclusions, providing consumers with a wide array of choices tailored to their specific needs. Cyber 1st Party Coverage: One aspect of cyber insurance is first-party coverage, which focuses on the direct financial losses experienced by the insured business in the event of a cyber incident. Here are some common elements covered under cyber 1st party coverage: 1. Legal Counsel: Cyber insurance typically includes coverage for legal counsel to help determine your notification and regulatory obligations following a cyber event. 2. Data Recovery: In the event of data loss or theft, cyber insurance can cover the costs associated with recovering and replacing lost or stolen data. 3. Customer Notification: Cyber insurance can help cover the expenses related to notifying customers and providing call center services in the event of a data breach or cyber incident. 4. Business Interruption: If a cyber event disrupts your business operations and leads to lost income, cyber insurance can provide coverage for the financial losses incurred during the downtime. 5. Crisis Management and Public Relations: In the aftermath of a cyber incident, cyber insurance can assist with the costs of crisis management and public relations efforts to protect your business's reputation. 6. Cyber Extortion and Fraud: Cyber insurance may offer coverage for expenses related to cyber extortion attempts or losses resulting from fraudulent activities. 7. Forensic Services: Cyber insurance policies often include coverage for forensic services to investigate and determine the cause and extent of a cyber breach. 8. Fees, Fines, and Penalties: In the unfortunate event of a cyber incident, cyber insurance can help cover the costs of any legal fees, fines, or penalties imposed as a result. Cyber Liability Insurance: While cyber 1st party coverage focuses on direct financial losses to the insured business, cyber liability insurance is geared towards providing coverage for third-party claims resulting from a cyber incident. This type of coverage is typically more comprehensive and suited for larger businesses with higher cyber risk exposure. Examples of Cyber Liability Claims: To understand the significance of cyber insurance, let's explore some real-world examples of cyber liability claims: 1. Stolen Laptops: A laptop containing sensitive customer data is stolen, potentially exposing the data to unauthorized individuals. 2. Rogue Employee: An employee with access to sensitive information intentionally steals or misuses the data for personal gain or to harm the company. 3. Small Business Hacked: A small business falls victim to a cyberattack, resulting in unauthorized access to customer information and financial loss. 4. Manufacturer Duped: A manufacturer unknowingly falls victim to a phishing scam, leading to a breach of intellectual property or trade secrets. 5. Spyware Virus: A malicious spyware virus infiltrates a company's network, compromising confidential business information and potentially causing financial harm. 6. Dumpster Diving: Cybercriminals gain access to sensitive information by rummaging through discarded physical documents or electronic devices. 7. Data Theft or Cyber Extortion: A cybercriminal steals valuable customer data or threatens to release it unless a ransom is paid, leading to financial and reputational damages. As businesses become increasingly reliant on technology, the importance of cyber insurance cannot be overstated. Cyber insurance offers financial protection and peace of mind in the face of evolving cyber threats. Understanding the coverage options, such as first-party coverage and liability insurance, is essential for selecting the right policy for your business. By investing in cyber insurance, you can proactively prepare for, respond to, and recover from cyber incidents, safeguarding your business's assets and reputation in the digital age.

https://www.theartofadjusting.com/post/the-episode-that-never-was

Anyone that lives in the Pomona, CA area should consider getting a car as it will make it much easier for you to get around town. If you do purchase a car here, it is important that you fully consider all of your insurance needs. Getting auto insurance is a great idea for anyone here as it can protect someone in many different ways. One of the reasons to get auto insurance is that it can protect your vehicle. If you purchase a car, you are going to be making a very big investment. If you were to get into an accident or the car is stolen, you will need to spend a lot of money to repair or replace the vehicle. Fortunately, your auto insurance policy will give you the protection you need to cover this expense. Gives Liability Coverage Another advantage of auto insurance is it will give you liability coverage. Anyone in California should be aware of the liability risk that they take on at all times. With an auto insurance policy, you will receive protection for this risk. If you were to cause an accident and damages, your auto insurance policy will give the coverage you need. If you are going to purchase a car in the Pomona, CA area, it is very important that you get auto insurance as it will protect you in several ways. When you are looking for your next policy, picking the right one can be complicated. Due to this, you should reach out to THINK Insurance & Financial Services to get all of the assistance and support that you need. The team at THINK Insurance & Financial Services can help you to choose a policy that is right for your situation.

https://www.think-ins.com/blog/2020/07/

Enterprise Investors exits Netrisk.hu Budapest, 29 December 2017 — Polish Enterprise Fund VI (PEF VI), a private equity fund managed by Enterprise Investors, has sold 100% of shares in Netrisk.hu, Hungary’s top online insurance broker, to MCI.EuroVentures of MCI Capital Group, a private equity firm listed on the Warsaw Stock Exchange. The value of the transaction is EUR 56.5 million. In 2010, PEF VI acquired Netrisk.hu for EUR 23 million from the company founder and financial investors. At the time of the investment, Netrisk.hu was the leading independent online insurance broker in Hungary, distributing almost exclusively compulsory MTPL auto insurance policies. After EI brought in a new management team to drive the company, Netrisk.hu started growing significantly as an online independent insurance marketplace in all non-life insurance products including MTPL, casco, home, property and travel insurance policies. It also developed new businesses lines. Today, in addition to maintaining its top market position as the leading online insurance broker, Netrisk.hu is also one of the largest online marketplaces for retail banking products and the largest company offering online comparison of telecom/cable, internet and TV packages in Hungary. Netrisk.hu’s number one market position is backed by strong financial results. In 2016 the company generated EUR 8.8 million in revenues, and this year it is expected to grow revenues by 23%. “For the last couple of years Netrisk.hu has developed at a very fast pace, growing in terms of insurance product range, market share and new product offerings. The company has always been very user-oriented and focused on creating value for its customers. It offers its fast-growing number of customers an independent platform to help them choose the best product for their needs. At the same time, Netrisk.hu has delivered very strong financial results. We are handing over to MCI.EuroVentures a healthy, lean and agile business poised for further success and strong growth,” said Dariusz Prończuk, managing partner at Enterprise Investors responsible for the investment. “We have built a strong management team led by László Sebestyén, and are convinced that this team will grow the business even further,” said Tamás Tüske, the country manager for Hungary and a vice president at Enterprise Investors. Clairfield International Austria/Hungary acted as the sole financial adviser to EI. Dentons was the firm’s legal counsel. Enterprise Investors is one of the largest private equity firms in Central and Eastern Europe. Active since 1990, the firm has raised nine funds with total capital exceeding EUR 2.5 billion. These funds have invested EUR 1.8 billion in 139 companies across a range of sectors and exited 126 companies with total gross proceeds of EUR 3.6 billion. For further information please contact: Tamás Tüske, Vice President tel.: +36 1 888 2900 Anna Czywczyńska, Communications & Public Affairs Director tel.: +48 22 458 8500

https://www.ei.com.pl/en/enterprise-investors-exits-netrisk-hu/

In today’s digital age, where technology plays an integral role in various aspects of our lives, the significance of cyber laws cannot be overstated. As the United Kingdom continues to evolve as a technological hub, the implementation of robust cyber laws has become essential to safeguard individuals, businesses, and the overall security of the nation. This article delves into the crucial role of cyber laws in the United Kingdom, highlighting their impact on online activities, data protection, and the prevention of cybercrimes. - 1 Introduction to Cyber Laws - 2 Understanding Cyber Laws - 3 Cyber Laws in the United Kingdom - 4 Significance for Individuals - 5 Impact on Businesses - 6 Government Initiatives - 7 Challenges and Future Prospects - 8 FAQs - 9 Conclusion Introduction to Cyber Laws In a digitally interconnected world, where information flows seamlessly across borders, the United Kingdom recognizes the pressing need for effective cyber laws to regulate online interactions, protect sensitive data, and curb cyber threats. Cyber laws serve as the legal framework that governs the use of technology and the internet, ensuring that individuals and entities operate within ethical and legal boundaries. Understanding Cyber Laws Cyber laws encompass a wide range of legal statutes and regulations that address various aspects of the digital realm. These laws are designed to establish guidelines for online behaviour, protect digital assets, and provide a legal basis for prosecuting cybercrimes. The emergence of cyber laws reflects the growing importance of securing cyberspace in an era where technology drives innovation and economic growth. Cyber Laws in the United Kingdom The United Kingdom has enacted comprehensive legislation to address cyber-related concerns. The Computer Misuse Act of 1990 was a pioneering step in criminalizing unauthorized access to computer systems, hacking, and other cybercrimes. Additionally, the Data Protection Act of 2018 and the General Data Protection Regulation (GDPR) reinforce data privacy and regulate the processing of personal information. Data Protection Regulations Under the GDPR, individuals have greater control over their personal data. Organizations must adhere to strict guidelines when collecting, processing, and storing personal information. The Information Commissioner’s Office (ICO) plays a pivotal role in enforcing these regulations, ensuring that data breaches are reported and addressed promptly. Prevention of Cybercrimes Cyber laws empower law enforcement agencies to investigate and prosecute cybercrimes effectively. The UK’s National Crime Agency (NCA) collaborates with international partners to combat cyber threats. Offences related to cyberbullying, identity theft, and online harassment are subject to legal action. Significance for Individuals Online Privacy and Rights Cyber laws safeguard individuals’ online privacy by dictating how their personal information is collected, used, and shared. Individuals have the right to know what data is being collected and the purpose behind it. They can also exercise their right to be forgotten, requesting the removal of their data from online platforms. E-commerce and Consumer Protection In the realm of e-commerce, cyber laws provide consumers with protection against fraudulent activities and counterfeit products. Online transactions are governed by regulations that ensure transparency, accurate product information, and secure payment gateways. Impact on Businesses Data Security and Breach Notification Businesses are obligated to implement robust cybersecurity measures to protect customer data. In the event of a data breach, timely notifications must be sent to affected individuals, allowing them to take necessary precautions. Failure to comply can result in significant penalties. Intellectual Property Protection Cyber laws extend to the realm of intellectual property, safeguarding digital content from unauthorized use. Copyright infringement, software piracy, and digital plagiarism are subject to legal action, fostering an environment of creativity and innovation. National Cyber Security Centre (NCSC) The NCSC serves as a hub of cybersecurity expertise, offering guidance to individuals, businesses, and government agencies. It provides resources to enhance cybersecurity measures and respond effectively to cyber incidents. The UK encourages citizens to report cybercrimes through Action Fraud, the national reporting centre. Reporting incidents contribute to the collective effort to identify cyber threats, investigate them, and bring cybercriminals to justice. Challenges and Future Prospects Adaptation to Technological Advancements As technology continues to advance, cyber laws must evolve to address new challenges. The rise of artificial intelligence, IoT devices, and blockchain technology necessitates adaptive legislation to ensure their responsible and secure use. Cyber threats transcend national boundaries, highlighting the need for international cooperation in combating cybercrimes. The UK actively participates in global initiatives to share intelligence, best practices, and strategies for cyber defence. - What is the purpose of cyber laws? Cyber laws establish guidelines for online behaviour, protect digital assets, and provide a legal basis for prosecuting cybercrimes. - How does GDPR impact data protection in the UK? The GDPR enhances data protection by giving individuals more control over their personal data and imposing strict regulations on data processing. - What role does the NCSC play in cybersecurity? The National Cyber Security Centre offers cybersecurity guidance and resources to individuals, businesses, and government agencies. - Why is international collaboration important in cybersecurity? Cyber threats are global, and international collaboration is essential to share intelligence and strategies for effective cyber defence. In an era where digital interactions shape the way we live, work, and communicate, cyber laws in the United Kingdom play a pivotal role in maintaining the integrity and security of cyberspace. These laws empower individuals, safeguard businesses, and bolster the nation’s cybersecurity posture. As technology continues to advance, the evolution of cyber laws will be crucial in creating a safe and thriving digital environment.

https://techsouls.co.uk/the-importance-of-cyber-laws-in-the-united-kingdom/

As Independence Day approaches, Illinois burn injury attorneys are preparing for another surge in personal injury claims and lawsuits. Despite laws that prohibit fireworks in Illinois, preventable accidents continue to maim or kill hundreds of people throughout the state. In light of recent fireworks accident statistics and fire safety and prevention month, lawyers are urging people to use extreme caution when handling fireworks. Following a few fireworks safety tips for the 4th of July can help prevent severe, and even deadly, injuries during your holiday celebration. (The article continues after the infographic) Table of Contents Spike in Injuries Highlights the Need to Focus on Fireworks Safety According to the Office of the Illinois State Fire Marshal, thousands of fires, burn injuries, amputations, and deaths are caused by fireworks every year, and the numbers continue to rise. - The Consumer Product Safety Commission (CPSC) reports that fireworks injuries in the United States climbed 25% between 2006 and 2021. - The National Fire Protection Association estimates that there were 19,500 reports of fireworks-related fires in 2018. These fires caused severe injuries, 6 deaths, and approximately $105 million in property damages in the United States that year. - During the period surrounding the 4th of July holiday season in 2019, fireworks accidents killed 20 people. - In 2020, during the pandemic lockdown when most public fireworks shows were canceled, 15,600 fireworks injuries were reported across the nation, and 26 people died in fireworks accidents. - Down from the spike that occurred the year before, 11,500 people were treated in emergency rooms across the U.S. for fireworks injuries in 2021. Roughly 74% of those injuries happened between June 18 and July 18 that year. Sadly, 9 victims lost their lives. Despite increased awareness, education, regulation in nearby states, and laws that prohibit the sale and personal use of fireworks in Illinois, millions of people continue to celebrate the 4th of July, hold backyard barbecues, and spice up other holidays and events with fireworks. Inevitably, many of these people suffer serious injuries or death because of the fiery risks of Fourth of July fireworks. Understanding Illinois Fireworks Law Burn injury attorneys suggest that by understanding and complying with Illinois fireworks laws, Chicagoans can reduce the risk of injuries and deaths on the 4th of July. The sale or purchase of most consumer fireworks is illegal in Illinois. While some villages, municipalities, and counties have passed ordinances that make them more lenient on fireworks than others, strict regulations still apply. For information about which fireworks are legal in Illinois, be sure to check your local guidelines. The few consumer fireworks that are allowed in the state are those that have less chance of causing serious injuries or deaths. When Did Fireworks Become Illegal in Illinois? Most fireworks became illegal in Illinois in 1942. Although Illinois residents have voted against the state’s fireworks ban for approximately 80 years, Illinois remains one of just four states in the nation that ban the personal use of most fireworks. Why Are Fireworks Illegal in Illinois? Fireworks are illegal in Illinois for various reasons. The loud sounds, flashes of light, and debris that they cause can be a nuisance to Illinois residents, but that is just the beginning. In some cases, fireworks celebrations can traumatize pets. They can also trigger symptoms of post-traumatic stress disorder (PTSD) in certain people. Illinois residents who have been victims of gun violence served in the military or were involved in a severe car accident or explosion are especially at risk. Another primary reason why fireworks are illegal in Illinois is that they are known for causing significant property damage to homes and businesses, and severe injuries to residents in the state. Every year, burn injury lawyers handle fireworks accident claims and lawsuits that arise because of inadequate supervision, reckless behaviors, and defective products. In 2021, approximately 31% of fireworks products that were tested were found to have non-compliant components. This includes fireworks with fuse violations, products containing prohibited chemicals, and those that were overloaded with pyrotechnic materials. What Fireworks Are Illegal In Illinois? Under the Pyrotechnic Use Act (PUA) in Illinois, almost all consumer fireworks are prohibited. This includes firecrackers, roman candles, bottle rockets, skyrockets, etc. Current state laws regarding fireworks bans exclude novelty items like sparklers, snappers, smoke bombs, snake pellets, and small noisemakers. However, many of these items may be banned under local laws and city ordinances. In Chicago and many other Illinois cities, for example, sparklers are illegal. Considering that sparklers caused approximately 2.5 times as many injuries as bottle rockets in 2019, perhaps this is a good thing. Penalties for Violating Illinois Fireworks Law People may be guilty of violating Illinois fireworks law if they are found to be in possession of banned products or using them. The transportation or sale of most fireworks is also illegal in Illinois. Despite stiff penalties for lawbreakers, which can include fines of up to $2,500, one year behind bars, or both, people continue to cross state lines to bring fireworks to their Independence Day celebrations. Understanding Indiana Fireworks Law Indiana fireworks laws are significantly more lenient than the fireworks laws in Illinois. While most fireworks are legal in Indiana, consumers and businesses must comply with the state’s regulations and your city’s ordinances. For consumers who wish to purchase or ignite fireworks, it is important to understand when and where fireworks can be used in Indiana, how old you must be to purchase and use fireworks in the state, and what types of fireworks can be used. When and Where Fireworks Can Be Used in Indiana In Indiana, state law permits consumers to set off fireworks year-round, from 9:00 a.m. to 11:00 p.m. On Memorial Day, Independence Day, and Labor Day, consumers may use fireworks from 9:00 to midnight. On New Year’s Eve, the time to ignite fireworks is extended to 1:00 a.m. on New Year’s Day. While local ordinances may limit fireworks usage at various times throughout the year, the following times are protected by state regulations. - June 29 to July 3: Fireworks use is permitted from 5 p.m. until two hours after sunset - July 4: Consumers can use fireworks between 10 a.m. and midnight - July 5 to July 9: Fireworks are legal from 5 p.m. until two hours after sunset - December 31: Consumers can ignite fireworks between 10 a.m. and 1 a.m. To comply with state laws, consumers may only use fireworks in select locations. You can ignite fireworks on your own property, the property of someone who gave permission, or a location that is designated for the discharge of consumer fireworks. How Old Do You Have to Be to Buy Fireworks in Indiana? State law requires consumers to be at least 18 years of age to purchase fireworks in Indiana. Although children under 18 can legally use fireworks, the law requires that an adult be present. Penalties for Violating Indiana Fireworks Law If you violate Indian fireworks law, you could be charged with a class “C” infraction, which could come with a fine of up to $500. More serious violations can come with significant consequences, however. For instance, people who recklessly, knowingly, and intentionally use fireworks that cause property damage can face class “A” misdemeanor charges which are accompanied by up to one year in prison and fines of up to $5,000. If bodily harm results from the violation, the charge is enhanced to a level 6 felony, which could bring up to 2.5 years in prison and up to $10,000 in fines. If your fireworks violation causes death in Indiana, you could be charged with a level 5 felony. A conviction could mean up to six years in prison and fines of up to $10,000. What About Buying Fireworks in Indiana and the Other Neighboring States for Use in Illinois? Illinois residents who disagree with the ban on fireworks continue to celebrate their independence by traveling to neighboring states to make their purchases where fireworks are legal. In many cases, these people bring the fireworks home to Illinois for their holiday get-togethers. As a result, fireworks businesses are booming in Indiana, especially in towns near the state line. Carrying fireworks across state lines is a federal offense. Although most fireworks, except those that are prohibited by federal law, are legal in Indiana, people who buy them and transport them into Illinois could find themselves spending up to one year in prison. Types of Injuries from Fireworks Accidents Although some fireworks injuries are minor and recover without the need for medical treatment, preventable fireworks accidents can also cause severe, disfiguring, disabling, and even deadly injuries to victims. The CPSC estimates that roughly 180 people per day are treated in emergency rooms for fireworks injuries that happen during the weeks surrounding Independence Day. Most of these victims suffer injuries to their hands, faces, eyes, ears, and extremities. The most common types of fireworks accident injuries include: - Burns: First and second-degree burns are by far the most common type of injury that is caused by fireworks accidents. Caused by open flames, accidental fires, and explosions, burns account for approximately 32% of all fireworks-related injuries. - Open Wounds: Flying objects and explosions cause lacerations, penetration injuries, and other open wounds that send countless victims to the ER on the 4th of July. - Amputations: Fireworks explosions can cause significant damage to nearby body parts. In some cases, the damage is so severe that fingers, hands, toes, and other body parts must be surgically removed. In other cases, limbs are amputated during the accident. - Blindness: Although flash injuries from fireworks can cause blindness as well, the most common cause of fireworks-related site loss is getting struck by a spark or flying object. - Hearing Damage: Part of the attraction of fireworks is the loud noise most of them make, but that sudden boom can be damaging to your hearing. Fireworks Safety and Accident Prevention Burn injury lawyers and safety experts suggest that the best way to protect yourself from injuries caused by fireworks accidents is to avoid celebrations where people are using consumer fireworks. Instead, observe professional fireworks displays or celebrate with alternative methods. If you plan to use fireworks, the CPSC and other safety organizations and experts recommend that you use extreme caution and follow these fireworks safety tips. - Never allow young children to ignite or play with fireworks, even if they seem harmless. Sparklers are some of the most popular products for younger age groups, for instance, but these devices burn at approximately 1,200 degrees. That is roughly 300 degrees hotter than what it takes to melt glass. Additionally, many fireworks products are designed to look like children’s toys. It’s common for these items to fly into the air or scatter on the ground uncontrollably – raising the risk of injury. - Prepare for your fireworks celebration by dampening the ground with water to reduce the chances of an accidental fire igniting or spreading. Keep a bucket of water or a garden hose nearby as well, in case of a fire or burn accident. - Never light more than one firework at a time, and make sure your body parts are held away from the device when lighting the fuse. Do not attempt to hold fireworks while lighting them, and avoid pointing or throwing them at other people. Once the firework is lit, move quickly away. - Do not try to relight malfunctioning fireworks. Instead, douse them with water from your garden hose or bucket and then throw them away. - Never handle fireworks while you are impaired by drugs or alcohol. Filing a Fireworks Injury Lawsuit If you were injured or your loved one was killed in a fireworks accident, you may be entitled to compensation. You may be able to file a burn injury claim or fireworks injury lawsuit to recover money to pay for your medical bills, lost wages, and pain and suffering. The success of your case will depend on whether the individual or business that caused or contributed to your injuries acted negligently or maliciously. If your fireworks accident happened on someone else’s property, you may be able to file a personal injury claim against the person’s homeowner’s insurance policy. If the person who caused your fireworks injury was in violation of Illinois fireworks law, a local law, or acted negligently or intentionally, you may be able to bring a fireworks injury lawsuit against that person directly. Sometimes, however, businesses and manufacturers can be held liable for fireworks accidents as well. Suing for Fireworks Accidents at Professional Displays Companies who are hired to put on public fireworks displays owe a duty of care to prevent foreseeable injuries to spectators. If they breach that duty and someone gets hurt or killed, they can be held liable for damages. The pyrotechnic company may be liable for injuries if they: - Did not set up fireworks and launching equipment correctly - Failed to maintain launching equipment - Set off fireworks too closely to spectators - Aimed fireworks directly at spectators Suing for Fireworks Injuries Caused by Defective Products Fireworks are regulated by the Bureau of Alcohol, Tobacco, Firearms, and Explosives, commonly referred to as the ATF, the Consumer Product Safety Commission, and the United States Department of Transportation. These agencies regulate things like construction and performance, warning labels, and the transportation of fireworks. Products that do not meet safety guidelines are defective. If the company that manufactured the fireworks that caused your injury failed to comply with the guidelines set forth by the ATF, the CSPC, or your locality, you can file a defective product lawsuit against the manufacturer. If the company that transported the fireworks to the seller did not follow DOT regulations and caused the fireworks to be defective, you may have a case against the trucking company. Additionally, if you purchased a dangerous or defective product from a seller who knew there were safety issues, you may be able to sue that party as well.

https://ankinlaw.com/fireworks-safety-tips-for-the-4th-of-july/

How do you add Agents and Managers to Chatjy? In the Chatjy App, there are two types of Agents: 1. Live Chat Agent- Agents can only intervene and respond to chats in the Chatjy App. They can also change user profiles on the Live Chat & History Page. 2. Managers- Managers can oversee everything and shoot WhatsApp Broadcasts and API campaigns. As the owner, you can easily add multiple agents and assign roles to those agents in the Chatjy App. This tutorial will teach you how to assign manager and agent roles in the Chatjy App. Steps for Creating Agents and Managers in the Chatjy App Navigate to the Agents page in the Manage section. Only the owner has the ability to add Managers and Agents to the AiSensy App. Go to the Agents Page in the Manage Section once you have the owner’s access. Select 'Add Agents.' Now, as shown in the image on the right, click ‘Add Agents.’ Fill in the Agent Information Clicking this will bring up a pop-up box where you can enter the information for your agents. These specifics are as follows: 1. User Name- This is the name under which the agent will log in to the Chatjy App. For example, Shivam411. 2. Display Name- The name of the agent that will appear in the Chatjy App is the Display Name. 3. Password- Enter a login password for your agent to use when accessing the Chatjy App. After filling in the blanks, click ‘Create.’ The final step is to assign Agents roles and responsibilities. In Chatjy App, you can assign either ‘Agents’ or ‘Managers.’ Click the dropdown button shown in the image to the right to assign them roles.

https://chatjy.com/how-do-you-add-agents-and-managers-to-chatjy/

In the competitive insurance industry, independent insurance agencies are constantly seeking ways to enhance their offerings, increase their revenue, and stand out from the competition. One effective means of achieving these goals is by partnering with an insurance wholesaler, which can open up numerous opportunities and provide considerable benefits. This blog post will explore the various advantages and benefits of partnering with an insurance wholesaler, such as Chenango Brokers, for independent insurance agencies. The Pain Points of Independent Insurance Agencies While there are many advantages to operating as an independent insurance agency, there are also certain challenges and pain points that can negatively impact their operations: - Limited access to insurance markets and carriers, which may restrict the range of products and services they can offer their clients. - Difficulty in competing with larger, more established agencies that have greater resources and expertise in niche insurance areas. - The burden of handling all aspects of insurance operations, from underwriting and marketing to customer service and claims processing, which can eat into limited resources and prevent the agency from focusing on growth. Increased Access to Markets One of the top advantages of partnering with an insurance wholesaler is the increased access to markets that it provides. Wholesalers typically maintain solid relationships with a wide range of insurance carriers and can help independent agencies gain access to these networks. This allows agencies to offer their clients a more diverse and comprehensive array of insurance products, making them more appealing to potential clients and ultimately leading to increased revenue. Leverage Expertise in Niche Areas Wholesalers often specialize in niche insurance areas, making them experts in their respective fields. By partnering with a wholesaler, independent insurance agencies can leverage this expertise to enhance their offerings and better serve their clients. This can lead to more targeted marketing and sales strategies, improved underwriting practices, and overall better risk management for the agency and its clients. Cost Savings and Increased Efficiency Working with an insurance wholesaler can also result in significant cost savings and increased efficiency for independent insurance agencies. Wholesalers often provide access to their in-house underwriters, support staff, and other resources, allowing agencies to offload some of the operational burdens that come with managing insurance policies. This means independent insurance agencies can devote more time and resources to their own growth and expansion. Enhancing Business Growth and Bottom Line Ultimately, partnering with an insurance wholesaler can have a positive impact on an independent agency’s bottom line and help them grow their business. With expanded access to markets, increased expertise in niche areas, cost savings, and a more efficient operation, independent insurance agencies can achieve higher levels of success and profitability. There are numerous benefits for independent insurance agencies when they choose to partner with a wholesaler like Chenango Brokers. By addressing pain points such as market access, competition with larger agencies, and operational efficiency, a wholesaler can empower independent insurance agencies to enhance their product offerings, leverage specialized expertise in niche areas, and ultimately improve their revenue and growth. With these advantages in mind, it’s clear that partnering with a wholesaler is a winning strategy for independent insurance agencies looking to thrive in today’s competitive insurance market.

https://chenangobrokers.com/blog/the-advantages-of-partnering-with-a-wholesaler-for-independent-insurance-agencies/

A quality roofing company should know the “ins and outs” of the insurance claims process to best help the residents of their community. Members of our team have years of experience working as insurance adjuster, therefore we know everything there is to know about the insurance claim process. For many of our customers, a hail/wind claim is the first and last claim they will ever file on their homeowner’s insurance policy. Having a good understanding of this process allows our trained professionals to best help homeowners maximize the return on their insurance investments. If you have recently filed a claim with your insurance company, received an insurance settlement, or would just like to know whether it makes sense to pursue an insurance claim, Great State Roofing can help every step of the way. Filing an insurance claim for storm damage can be intimidating, therefore we have provided you with a step by step list that will help you understand the process. Step 1: Before you file a claim If you think your roof or property has been damaged by a storm, contact Great State Roofing, to come out and give you professional evaluation of your roof. At this point, you are not filing a claim, just starting the information process. Using a reputable contractor will ensure that any work done is the highest quality with the best warranties. Step 2: Meet with your roofing specialist Next, schedule an inspection with one of our roofing specialist. During this inspection our trained professional will inspect your roof and let you know everything we observed. You want to do this before an actual claim is filed. The damage may not be as great as you think. If it is less than, or close to, your insurance deductible, filing a claim may not be in your best interest Step 3: File your insurance claim If the contractor’s estimate for repairs warrants filing a claim, call your insurance carrier and move forward with the process. Your insurance company will most likely schedule an adjuster to inspect your roof to approve and process your claim. If it is possible, schedule a time when your contractor can also attend this inspection so that nothing is missed during the inspection. Step 4: Meet with your adjuster Your insurance adjuster will meet you at your property and complete the inspection. Your roofing contractor will be able to represent your needs and make sure that the adjuster is aware of all damaged areas. Having an experienced and professional company represent you during the inspection will increase your claim value and avoid any negative interactions. Step 5: Claim Approval Once your insurance claim is approved, you will go over the details of the insurance coverage with one of our roofing specialist. This will allow you to ask any questions you may have. This is where the claims specialists at Great State Roofing can help you understand all repairs the insurance company is covering and any they are not. Step 6: Time for your project to begin When you have received the answers to your questions, sign the contract and get your roof work scheduled. Your insurance company will provide payment directly to you. You will be responsible for paying the insurance check, depreciation and deductible to the contractor. Your insurance company will require proof that the work was performed. Great State Roofing will provide any necessary information for you. Get In Touch. Call Today (704) 912-1240

https://greatstateroof.com/storm-wind-damage-repair

What is car insurance? Operating any vehicle comes with a certain amount of risk, as almost every driver will be in an accident if they’re driving long enough. Texas drivers should always use seatbelts and practice safe driving habits to minimize the risk of an accident. Because things can still happen, though, there’s also car insurance. Car insurance can help provide financial protection in the event of an auto accident. Policies often offer a variety of coverages for accidents, and may cover other incidents too. Who in Texas should carry auto insurance? Auto insurance isn’t optional. Texas state law generally requires that all drivers have at least some insurance in place if they’re operating vehicles on public roads. The state’s minimum coverages are 30/60/25, which refers to required limits. Drivers generally need to have injury liability insurance in the amount of $30,000/person and $60,000/accident. At least $25,000/accident of property damage liability is needed. Many drivers choose limits that are much higher than these minimum requirements, and also get additional coverages that aren’t required. The state’s minimum requirements provide only basic protection, and those limits could easily be exceeded by a single accident claim.

https://kirkagency.com/car-insurance-texas/

As experienced Ponca City commercial truck accident lawyers, we fight to help you get the compensation you are entitled to in your claim. Commercial trucks are a frequent sight on roads throughout Ponca City. Whether they are making local deliveries or simply passing through, sharing the road with them can create problems for other motorists. When accidents and injuries occur, the damages you suffer can be severe, which is why you need Ponca City Truck Accident Lawyer on your side. As Ponca City commercial truck accident lawyers with over 65 years of combined experience, we fight to get you the compensation you need to recover in your accident claim. Our Team Is Here To Assist You Every Step Of The Way.SPEAK TO AN ATTORNEY TODAY Protecting You in Ponca City Commercial Truck Accidents Our close proximity to Interstate 35, US 177, and US 60 brings significant amounts of commercial truck traffic to our area. Package carriers such as UPS and FedEx, commercial movers such as United and Mayfair are common, and national distributors such as Arkansas Best, Old Dominion, Pitt Ohio, and Southeastern Freight Lines have trucks out all over the area. All are on tight schedules, which makes accidents more likely to occur. The National Highway Traffic Administration (NHTSA) reports that Ponca City is a target for safety efforts to prevent speeding and other traffic offenses. Unfortunately, accidents still occur. When they do, BDIW Law is here to help. Our Ponca City commercial truck accident lawyers help you hold negligent drivers and the companies they work for responsible for actions which make accidents more likely, such as the following: ● Reckless driving behaviors, such as tailgating, distracted driving, and driving under the influence; ● Driver inexperience and lack of training; ● Poor vehicle maintenance and improper loading practices; ● Overly tight schedules which do not allow for days off or adequate rest periods, making drivers more dangerous on the roads. Get The Compensation You are Entitled to in a Commercial Truck Accident Claim The Oklahoma Insurance Commissioner advises that all drivers in the state are required to carry a mandatory amount of insurance coverage to protect themselves and others in the event of collisions. This applies to commercial truck drivers and their employers, as well. When a commercial truck accident does occur, BDIW Law can help you hold those responsible accountable. Actions our commercial truck accident lawyers take on your behalf include: ● Conducting thorough accident investigations and gathering evidence, such as witness testimony and photo or videos from the accident scene; ● Obtaining copies of accident reports and medical records; ● Negotiating with insurance representatives on your behalf; ● Taking your case to court in the event an appropriate settlement amount cannot be reached. Get A FREE No-Obligation Consultation Today!CONTACT US TODAY Reach Out to Our Ponca City Commercial Truck Accident Lawyers When commercial truck accidents leave you with serious and potential disabling injuries, it is important to realize that you have only one chance to get the compensation you are entitled to in a claim. The law firm of BDIW Law provides the strong, experienced legal representation you need at a time like this. Reach out and contact our Ponca City commercial truck accident lawyers today to request a free consultation. The Sooner We Get Involved, The More We Can Do To Help You.SPEAK TO AN ATTORNEY TODAY

https://www.boettcherlawoffice.com/ponca-city/truck-accident-lawyer/commercial-trucks/

Fire Awareness (Construction) course 55 minutes This course was designed specifically for those working in the construction sector to educate them on how to prevent fires, how to properly use a fire extinguisher, how to recognise fire signs, and proper emergency procedure to ensure a safe evacuation of the working premises. Fire Awareness training is a legal requirement for all employees in the UK. This is covered in the CDM regulations and the Health and Safety at Work Act 1974. Ensure that you are showing due diligence with current legislation by getting all staff to undertake this short and cost-effective training course. Designed specifically for this sector, our training course includes information that is specific to construction sites. 1. The Nature of Fire 2. Fire Signage 3. Fire Hazards 4. Discovering a fire 5. Fire Extinguishers Fire Awareness (Construction) You will need a laptop, mobile phone or tablet to complete this course. In addition it is advised to have the sound turned on, although subtitles are available. Courses are available in several additional languages. The default language is English. If you require your course in an alternative language please contact us. Your learner will have the option to download the certificate upon successful completion of their course. If you have any issues accessing this certificate please contact us and we will email this to you. Pass rates are defaulted to 80%. Should you wish to change this pass rate, please include this information at the time of booking.

https://www.chameleonsafetyservices.co.uk/product-page/fire-awareness-construction

Nearly 30 days after ignition, the Keremeos Creek wildfire is now considered held. The more than 7,000-hectare wildfire, burning 21 kilometres southwest of Penticton, is no longer “out of control” as of Friday, Aug. 26. BC Wildfire Service says fire behaviour is minimal around the perimeter. Discovered on July 29, the wildfire prompted hundreds of evacuation orders for properties in Olalla and Keremeos, as well as on Green Mountain Road and Apex village. All orders and alerts were rescinded by Aug. 23 as activity towards occupied areas was reduced. “Fire burning at a safe distance within the existing perimeter will be allowed to burn and self-extinguish,” BCWS wrote in an update. “Hotspots or single trees being consumed do not threaten further spread at a sufficient distance from control lines.” With its newest classification of the blaze, BCWS says the wildfire is not expected to grow. The Keremeos Creek wildfire remains one of three fires of note in B.C., with 79 firefighters currently assigned to work the blaze. BCWS is reminding residents that smoke will continue to be visible from Highway 3A and surrounding communities. The fire increased in size by 100 hectares last week, due to high winds and a pair of planned ignitions. The risk of thunderstorms remain in the forecast on Friday night and into Saturday.

https://www.interior-news.com/news/keremeos-creek-wildfire-considered-held-no-longer-out-of-control-6506622

Embarking on the journey to understand medical insurance can feel like navigating a maze. With so many options, terms, and conditions, it's easy to feel overwhelmed. This blog aims to demystify the world of medical insurance for seniors, breaking down key aspects in a straightforward manner. Recognizing Unique Needs The first step in this process is acknowledging that every senior has unique health and financial needs. These individual factors play a significant role in determining which type of medical insurance coverage will be most beneficial. Being aware of these personal requirements lays a solid foundation for understanding the various insurance options available. Health Insurance Options Health insurance is an essential component of any senior's financial plan. It helps manage the rising costs of healthcare, which tend to increase as one grows older. Federal health insurance programs for seniors are a popular choice, but there are also supplemental insurance plans that can provide additional coverage where these programs may fall short. These plans can offer a variety of benefits and services not covered by traditional insurance. It's crucial to evaluate these options carefully to find the best fit for individual needs. Prescription Drug Coverage Prescription medications can be a considerable expense for many seniors. Some medical insurance programs offer prescription drug coverage to help offset these costs. Understanding how different plans handle prescription costs can be a key factor in choosing the right medical insurance. For example, some plans may require co-payments for each prescription, while others may have an annual deductible. It's essential to consider current and potential future medication needs when evaluating insurance options. Long-Term Care Insurance The possibility of requiring long-term care is a reality for many seniors. Long-term care insurance can help cover the costs associated with services such as assisted living, nursing home care, or in-home care. Evaluating the potential need for such care is an important consideration when exploring medical insurance options. Decoding medical insurance doesn't have to be a daunting task. By recognizing individual needs, understanding the different types of coverage, and considering potential future requirements, seniors can navigate their way to the insurance plan that best suits their needs. Medical insurance is more than just a safety net — it's a tool that can provide peace of mind and financial stability. With the right knowledge and understanding, seniors can confidently choose the medical insurance that will support them through their golden years. Remember, the journey to understanding starts with the first step. So, take that step today and begin unraveling the complexities of medical insurance. Contact a professional for more information on Medicare advantage insurance.Share

http://hospitalite-reims-ardennes.com/2023/12/18/decoding-medical-insurance-a-comprehensive-guide-for-seniors/

LLCFR's organizational philosophy is built upon the following principles: First In, Last Out “First-in-Last-out.” This is the core ideology of LLCFR. In this simple statement lives the standard of excellence to which we measure ourselves, the finest traditions of the fire service to which we commit ourselves and the altitude to which we daily aspire. We are the community’s all-risk response agency, to which people turn in time of need. We therefore pride ourselves on being the first-in—never shirking our responsibility to protect the public whom we serve, or serving the public whom we protect—and last out—never leaving until the job is finished. This is the ideology of the entire organization, from management to line firefighter, which drives our daily efforts, whether conducting vehicle checks, helping with a community event, fighting fire or rescuing people from danger. It is the faith we instill in those who call 911 "Reducing community risk through excellence in emergency service.” We will be appropriately equipped, excellently trained and eminently capable of meeting the community’s need for fire protection and emergency services. We will be a national example of a fire-rescue organization dedicated to providing excellent customer service. We will provide effective staffing patterns throughout our service area by creating a fire-rescue department that draws and retains high-caliber, strongly motivated members. We will be the kind of fire department to which people far and wide want to belong. We will be an aggressive fire department; renown for our assertive and effectual response, uncompromising in our commitment to responder safety, and unquestionably dedicated to our reason for existing. We will be known as a smart fire department; one that studies, examines and learns and does not fear evolving. People will come from miles around to train with us. Leadville Lake County Fire Rescue will be the model that other fire departments copy.

https://cityofleadville.colorado.gov/city-departments/fire-department/organizational-philosophy

Orange County's highways are home to an estimated 1,164,728 private and commercial vehicles. This figure represents around 6.44% of all vehicles registered in the state of Florida. Over 78% of adult drivers in Orange County drive by themself to work, and nearly half of those commutes last more than 30 minutes. With an estimated 20% of Florida drivers driving without insurance, around 230,000 vehicles in Orange County alone may be uninsured or underinsured. Nearly every fourth crash in Orange County is a hit and run. In Orange County, motor vehicle fatalities occur at a rate of 11.30 per 100,000 vehicles on the road, resulting in around 132 fatal crashes per year. The Florida Department of Highway Safety and Motor Vehicles (FLHSMV) reported 27,412 collisions in Orange County in 2021, including 205 fatal crashes that resulted in 220 deaths (including 28 motorcyclists). Alcohol has been identified as the primary cause of fatal collisions in Orange County, accounting for an estimated 24% of all driving fatalities. Over 1 million vehicles registered in Orange County need insurance coverage. To protect people from the damage you may do in an accident, all vehicles on the road are required to have Basic Liability and Personal Injury Protection (PIP) coverage. The additional required insurance may be: Private Auto, Commercial Auto, Comprehensive Coverage, Commercial Transportation, Inland Marine, Gap, Ride-sharing, and so on, depending on the type of vehicle and its use. One of the reasons that auto premiums in Orange County tend to be higher than in less densely populated counties is that over 700,000 drivers commute every day. Because everyone is driving their own car, there are more vehicles on the road, which increases the likelihood of an accident. As risk increases, so do premium rates. Longer daily commute of over 400,000 Orange County residents raises the cost of auto insurance, because it increases the amount of time a driver spends on the road, which in return increases the chances of getting into a possible car accident. With one-fourth of all crashes being hit-and-runs and 1 out of every 5 drivers being uninsured, Uninsured Driver Coverage is becoming increasingly important for Orange County residents. To discuss your auto insurance needs and to find affordable car insurance in Orange County, contact a knowledgeable Property & Casualty (P&C) insurance agent licensed in the state of Florida. Similar to the rest of Florida, where the majority of homes are owner-occupied (65%), Orange County's estimated 587,608 housing units are split between owner-occupied (55%) and renters (45%). Almost every other residence is a rental in Orange County, which contrasts with adjacent counties, which are mostly made up of owner-occupied homes. Both Brevard County and Lake County have the highest percentage of owner-occupied homes (over 74%), whereas Osceola County has the second-lowest (61%), after Orange County. Across Florida, Sumter County has the most homes occupied by owners (nearly 90%) while Miami-Dade County offers the highest percentage of its real estate (49%) as rentals. Overcrowding, poor plumbing, or kitchen issues affect about 21% of Orange County's housing units. 1 out of every 4 households spends more than half of their income on housing. Nearly 600,000 housing units in Orange County need insurance. All owners of these properties should have Homeowners, Condo, and/or Business property insurance (for apartment complexes) in order to safeguard the underlying financial investment against the possibility of loss or damage. Landlords in Orange County, where nearly 300,000 housing units are for rent, purchase Landlord Insurance, which protects the property from potential liability claims brought on by renters and their guests. Renters insurance Orlando: Tenants purchase Renters Insurance to protect their things from potential loss or property damage. Typical renters' insurance is inexpensive and protects a tenant's belongings against theft and damage from fire, smoke, water, and vandalism. Some Orange County landlords may stipulate renter's insurance as a condition of the lease. For consultation and to get a quote on Homeowners, Renters, Condo, Flood, and other types of insurance in Orange County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Florida. Over 17 % of adult residents in Orange County lack adequate health insurance, which is lower than the state average (19%) but not the lowest among neighboring counties. Seminole County has an uninsured adult rate of over 14%, and Lake County has a similar rate to Orange County. Meanwhile, Volusia County, Osceola County, and Polk County all have a similar uninsured rate of over 18%. Hendry County has the highest uninsured adult rate in the state of Florida, with 35% of residents uninsured, while St. Johns County has the lowest rate, with less than 13% of adult residents uninsured. In 2021, the average rate of uninsured adults in Florida was approximately 19.2%. More than 1 in 5 adults (or over 287,000 residents) in Orange County report problems with health. Over 24% of the population of Orange County does not engage in physical activity. Approximately 27% of Orange County residents are obese (with a BMI of 30 or higher), which is comparable to the state average of over 27 percent. Most neighboring counties are above the state average, with Seminole County having the lowest obesity rate at approximately 26%, and Polk County having the highest at over 36%. Health insurance is the most essential insurance coverage, yet over 200 thousand Orange County people lack it. Florida is one of the states that permits the sale of a variety of health insurance and supplemental products. This makes it easier for Orange County residents to choose coverage that meets their individual needs (both medically and financially): Marketplace ACA health insurance, Various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc. If health insurance is not acquired because it is too expensive, low-income residents are often advised to apply for government subsidies, which can significantly reduce the cost of insurance coverage. If you do not have pre-existing conditions, Short-term health insurance may provide an alternative saving path. (* Some Florida multi-year short-term health insurance plans may cover certain pre-existing conditions after a year or more of coverage). Discuss your health insurance needs with a knowledgeable state-licensed Florida health insurance professional with access to a variety of health insurance plans available to Orange County residents. A Florida health insurance agent: analyzes your needs and restrictions, reviews your current policy, to make sure that the coverages are reflective of the current needs and housing market- helps to update, if needed, researches the locally available plans that fit your needs and is usually able to find a better deal than a consumer can find on their own, checks for available savings and bundling discounts, provides you with the available options of coverage, and explains how the differences between the options affect you once you start using each insurance product. The agent assists you with the application process, and at any time you need to make a change to the policy, or shop for replacement coverage. Average life expectancy for the residents of Orange County is between 80 and 81 years old, which is comparable to the state average in Florida (80). Among the neighboring counties, Seminole County shows a similar life span to Orange County. Polk County and Lake County both average at over 78 years old. While Collier County has the highest average life expectancy in the state (86 years old), the lowest life span in Florida is seen in Union County, at under 69 years old. In 2022 there were approximately 175,000 seniors (65 and older) residing in Orange County. In 2022, 47% of Americans did not have an active life insurance policy of any type. Life insurance premiums are based on the age of the insured when the policy begins, among other factors. The younger you are when you get it, the more you save in premiums over the course of the policy. Nearly 16% of adults in Orange County smoke (lowest in Florida), and this habit will almost certainly boost the life insurance rates of nearly 175,000 adults by up to 4 times when compared to non-smokers. Smokers have a shorter life expectancy, which makes them more of a risk than nonsmokers. Funeral costs in and around Orange County vary greatly. The average funeral cost in Orange County is roughly $6,000, which is comparable to the Florida state average (also $5,900). Osceola County has the highest average funeral expense near Orange County, at around $7,300, while Brevard County tends to be lowest, at $4,900 average. With 46% of Americans dying with less than $10,000 in savings, over 80,000 Orange County senior residents may be putting an unnecessary and often intolerable financial strain on family and friends. Instead of focusing on their loss, the family must focus on finding a means to pay to bury the loved one. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”) Besides the burial costs, the deceased frequently leave taxes and other debt behind for the family to take care of. The most frequently used life insurance policies to cover “final expenses” up to $50,000 are: Term Life Insurance and Final Expense Insurance. The most commonly used life insurance policies to leave money to the family are the variations of: Term Life Insurance and Cash Value insurance, such as Whole Life insurance, Indexed Universal Life (IUL) insurance, and Final Expense (FE). To find out more about life insurance options and to get life insurance quotes in Orange County, speak with a knowledgeable state-licensed and experienced life insurance professional who has access to multiple insurers and plan types for comparison. Each of Orange County's more than 48 thousand businesses has different insurance requirements. In 2020, the three industries that created the most jobs and accounted for over 48% of all employment in the county were: Education & Health Services (19.9%) Financial activities (18.3%) Health providers usually get medical malpractice coverage according to the amount of damage their work can cause to the patients. Manufacturing businesses usually require insurance coverage for: Production facilities and property Employees’ health and safety Product liability coverage protects the manufacturer itself if their product hurts the consumer and a claim or a lawsuit is filed against the company. To assess your business insurance needs and to get a commercial insurance quote in Orange County, speak with a knowledgeable Florida-licensed commercial insurance agent with access to multiple insurers.

https://floridainsurance.org/orange

To keep up to pace with technology advances, cyber security threats and trends are changing at rapid speed. As such, it’s critical for companies like yours to reassess your data protection practices and make achievable cyber security resolutions to protect yourself from costly breaches. Here’s the top 10 things your company can do this year to stay current with your cyber security practices, and reduce the risk of a cyber attack or data breach. 1) Provide cyber security training to your team. Your employees are your first line of defense when it comes to cyber threats. Even the most robust and expensive data protection solutions can be compromised should an employee click a malicious link or download fraudulent software. As such, it’s critical for your company to thoroughly train your employees on common cyber threats and how to respond. Employees should understand the dangers of visiting harmful websites, leaving their devices unattended and over-sharing personal information on social media. Your employees should also know your cyber security policies and know how to report suspicious activity. 2) Install strong anti-virus software and keep it updated. Outside of training your employees on the dangers of poor cyber security practices, strong anti-virus software is one of the best ways to protect your data. Your company should conduct thorough research to choose software that’s best for their needs. Once installed, anti-virus programs should be kept up-to-date. 3) Instill safe web browsing practices. Deceptive and malicious websites can easily infect your network, which can lead to more serious cyber attacks. To protect your company, your employees should be trained on proper web usage and instructed to only interact with secured websites. For further protection, your company should consider blocking known threats and potentially malicious webpages outright. 4) Create strong password policies. Ongoing password management can help prevent unauthorized attackers from compromising your company’s password-protected information. Effective password management protects the integrity, availability and confidentiality of your company’s passwords. Above all, you’ll want to create a password policy that specifies all of the company’s requirements related to password management. This policy should require your employees to change their password on a regular basis, avoid using the same password for multiple accounts and use special characters in their password. 5) Use multi-factor authentication. While complex passwords can help deter cyber criminals, they can still be cracked. To further prevent cyber criminals from gaining access to employee accounts, multi-factor authentication is key. Multi-factor authentication adds a layer of security that allows companies to protect against compromised credentials. Through this method, users must confirm their identity by providing extra information (phone number, unique code, etc.) when attempting to access corporate applications, networks and servers. 6) Get vulnerability assessments. The best way to evaluate your company’s data exposures is through a vulnerability assessment. Using a system of simulated attacks and stress tests, vulnerability assessments can help you uncover entry points into your system. Following these tests, security experts compile their findings and provide recommendations for improving network and data safety. 7) Patch systems regularly keep them updated. A common way cyber criminals gain entry into your system is by exploiting software vulnerabilities. To prevent this, it’s critical that you update applications, operating systems, security software and firmware on a regular basis. 8) Back-up your data. In the event your system is compromised, it’s important to keep backup files. Failing to do so can result in the loss of critical business or proprietary data. 9) Understand phishing threats and how to respond. In broad terms, phishing is a method cyber criminals use to gather personal information. In these scams, phishers send an email or direct users to fraudulent websites, asking victims to provide sensitive information. These emails and websites are designed to look legitimate and trick individuals into providing credit card numbers, account numbers, passwords, usernames or other sensitive information. Phishing is becoming more sophisticated by the day, and it’s important to understand the different types of attacks, how to identify them and preventive measures you can implement to keep your company safe. As such, it’s critical to train employees on common phishing scams and other cyber security concerns. Provide real-world examples during training to help them better understand what to look for. Check out our article: Cyber Risk: Beware of Spear Phishing Scams in Ohio 10) Create a cyber incident response plan. Most companies have some form of data protection in place. While these protections are critical for minimizing the damages caused by a breach, they don’t provide clear action steps following an attack. That’s where cyber incident response plans can help. While cyber security programs help secure an organization’s digital assets, cyber incident response plans provide clear steps for companies to follow when a cyber event occurs. Response plans allow companies to notify impacted customers and partners quickly and efficiently, limiting financial and reputational damages. In addition to these top 10 ways to stay current with cyber security threats and trends, it’s also highly recommended that you review your cyber insurance policy on an annual basis to ensure you have the coverage in place if a cyber attack were to occur at you company. Check out our article: Top Benefits of Cyber Insurance in Ohio I’m Pat O’Neill, a risk advisor at O’Neill Insurance in Wadsworth, Ohio, and I’d be happy to help you identify the cyber risks you face, and secure for you a cyber insurance quote. Call me at (330) 334-1561, or email me at firstname.lastname@example.org. This article was adapted from Zywave. This is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel or an insurance professional for appropriate advice.

https://oneillinsurance.com/blog/cyber-insurance-data-security-10-ways-to-reduce-the-risk-of-a-cyber-attack/

Insurance Contract And Bad Faith Claims Insurance companies traditionally made money in two ways. They collected premiums from customers, and they invested. In recent decades, however, a third, less honorable means of making money has been become a major source of revenue for some insurers. Avoiding Their Responsibility To Pay Benefits On Valid Claims The Sasser Law Firm, a full-service firm based in Charlotte, North Carolina, is focused on handling complex cases involving catastrophic or fatal injuries. As a part of the commitment they have to their clients in the Carolinas and elsewhere, their attorneys also represent clients in insurance bad faith and insurance-related concerns involving: - Disability insurance disputes - Life insurance disputes - Major loss - Fire insurance disputes - Major business loss insurance disputes - Pension/retirement plan disputes The Resources And Resolve Required One of the insurance companies’ favorite tactics is to use their enormous financial muscle to strong arm or simply wear down claimants. Unfortunately, the reason it is a favorite tactic is because it is so often effective, especially when the plaintiff’s lawyers lack either the resources or the resolve required to meet their challenge. This is never an issue for clients of The Sasser Law Firm. Whether the matter involves a failure to pay the true value of claims, or wrongfully denied claims, their lawyers are familiar with tactics such as post-claim or retroactive underwriting and are unwilling to let the insurers’ improper conduct go unchallenged. In addition to the firm’s work on behalf of personal injury clients, they also represent business owners and other individuals in insurance bad faith disputes. Contact The Sasser Law Firm: Charlotte, North Carolina, Insurance Bad Faith Lawyers Have you been treated unfairly by an insurance company? Contact The Sasser Law Firm in Charlotte, North Carolina, and learn about your legal options today. Our insurance bad faith law firm will help you assert your rights.

https://www.sasserlawoffice.com/practice-areas/insurance-contract-and-bad-faith-claims/

Copyright © 2023 The ESC Group - All Rights Reserved. The ESC Group is an organization that is comprised of individuals associated with World Financial Group Insurance Agency, LLC and World Financial Group, Inc., but it is not an affiliated company of World Financial Group, Inc., WFGIA, (In California dba World Financial Insurance Agency, LLC.), World Financial Group Insurance Agency of Hawaii, Inc., World Financial Group Insurance Agency of Massachusetts, Inc. nor WFG Insurance Agency of Puerto Rico, Inc. (collectively referred to as “WFG”). These agents offer insurance products through World Financial Group Insurance Agency LLC., World Financial Group Insurance Agency of Hawaii, Inc., World Financial Group Insurance Agency of Massachusetts, Inc., (In California dba World Financial Insurance Agency, LLC) and/or WFG Insurance Agency of Puerto Rico, Inc. – collectively WFGIA. This material is intended for education and training purposes only and is not intended to be, nor should it be construed as, an offer or solicitation for the purchase or sales of any specific securities, financial services or other non-specified item. Securities products are sold by prospectuses that contains more information about the product's fees, charges and limitations, and can only be offered by a qualified registered representative.

https://escgroupllc.com/contact-us

A fireplace is more than just a source of warmth; it’s a central feature of your home that brings comfort and ambiance. Regular maintenance is crucial to ensure it remains a safe, efficient, and inviting part of your living space. Professional fireplace repair services offer the expertise and convenience needed to maintain this integral part of your home. They not only take care of routine upkeep but also address any issues that may arise, ensuring your fireplace continues to be a cozy and charming focal point in your home. Fireplace Repair in Las Vegas Services: We offer a comprehensive range of services to meet all your fireplace needs: - Gas Fireplace Maintenance: Regular servicing to ensure your gas fireplace is operating safely and efficiently. - Fireplace Repair: Expert repair services for common issues such as flue damage, gas leaks, or malfunctioning components. - Fireplace Installation: Professional installation of new fireplaces, tailored to the unique style and requirements of your home. - Indoor and Outdoor Fireplaces: Services encompass both indoor and outdoor units, ensuring all types of fireplaces are catered to. - Wood-Burning Fireplace Care: Specialized services for traditional wood-burning fireplaces, including cleaning and maintenance. Why Las Vegas Fireplace Repair Our commitment to excellence is reflected in every aspect of our service: - Experienced Technicians: Our team brings years of experience in fireplace repair and maintenance, ensuring high-quality service. - Licenses and Certifications: We are fully licensed and certified, providing services you can trust. - Insurance: Our comprehensive insurance coverage ensures peace of mind for every job we undertake. Choosing us means entrusting your fireplace to skilled professionals who understand the importance of safety, efficiency, and aesthetic appeal. We are dedicated to maintaining the warmth and beauty of your fireplace, ensuring it remains a cherished feature of your home for years to come. Common Fireplace Issues in Las Vegas area Fireplace maintenance is crucial to ensure safety and efficiency. Homeowners often encounter several common problems with their fireplaces: - Flue Rusting: The flue is essential for safely directing smoke and gases out of your home. Rusting or deterioration can lead to blockages or improper venting, posing serious safety hazards. - Water Leakage: Water entering the chimney can cause structural damage and mold growth. It also affects the efficiency of the fireplace and could lead to costly repairs. - Gas Leaks: For gas fireplaces, leaks are a major concern. They can pose serious health and safety risks, including the potential for fire or carbon monoxide poisoning. These issues not only impact the functionality of your fireplace but also pose significant safety concerns. Regular maintenance and prompt repairs are essential to address these problems effectively. Our Process at Fireplace Repair Las Vegas Our approach to fireplace repair and maintenance involves a systematic process: - Initial Consultation: We begin with a detailed assessment of your fireplace to understand your specific needs. - Diagnosis: Our experts conduct a thorough inspection to identify any issues, from structural problems to efficiency concerns. - Repair Plan: We provide a clear, detailed repair plan, including timelines and cost estimates. - Safety Checks: Safety is our top priority. We ensure all repairs adhere to safety standards, minimizing risks of fire, gas leaks, or other hazards. - Efficient Repair: Our skilled technicians carry out the repairs efficiently, focusing on quality and durability. - Final Inspection: After repairs, we conduct a final inspection to ensure everything is functioning correctly and safely. - Client Approval: Your satisfaction is crucial. We ensure you are fully satisfied with the repair work before considering the job complete. Pricing and Packages Our pricing structure is designed to offer value and affordability, ensuring that every homeowner can access quality fireplace maintenance and repair services: - Basic Maintenance Package: Includes cleaning, inspection, and minor repairs. Ideal for regular upkeep. - Comprehensive Repair Package: A more extensive option covering major repairs and parts replacements. - Customized Solutions: Tailored services based on your specific fireplace needs and issues. - Installation Packages: For new installations, we offer competitive pricing depending on the type and complexity of the fireplace. Note: For detailed pricing and to find a package that best suits your needs, please contact us directly. - Phone Number: 240-423-0871 - Email: firstname.lastname@example.org - Online Contact Form: Available on our website for your convenience. - Business Hours: 08:30 AM – 05:00PM - Emergency Service Availability: We offer emergency services for urgent repairs. Please call us directly for immediate assistance. Our Service Area Our services extend beyond the heart of Las Vegas to encompass the surrounding cities, ensuring comprehensive coverage for all your fireplace needs. Whether you’re in the bustling center of Las Vegas or residing in the quieter neighboring areas, our team is equipped and ready to provide top-notch fireplace services. Cities We Cover: - Las Vegas: As the focal point of our services, we cater to all neighborhoods within the Las Vegas city limits. - Henderson: Our services are readily available to residents of Henderson, ensuring they have access to our expert fireplace maintenance and repair. - North Las Vegas: We extend our services to North Las Vegas, offering the same quality and reliability. - Boulder City: For those in Boulder City, our team is prepared to deliver our full range of fireplace services. - Summerlin: Including the expansive and diverse area of Summerlin, we ensure that no corner is left uncovered. Commitment to Accessibility: We understand the importance of having a reliable fireplace service provider close to home. That’s why we’ve committed to covering Las Vegas and its surrounding areas, ensuring that quality fireplace repair and maintenance are just a call away, no matter where you are in the region. If you’re unsure whether your location falls within our service area, please don’t hesitate to contact us. Our team is ready to answer your questions and provide solutions to all your fireplace needs. Fireplace Repair Service For you Safety The safety and efficiency of your fireplace are paramount, not only for the warmth and comfort it brings but also for the safety of your home and family. Regular maintenance and professional repair services ensure that your fireplace remains a cherished, functional feature in your home. We encourage you to reach out to us for a consultation or more information on how we can help maintain the health and beauty of your fireplace. FAQ Gas Fireplace Repair Las Vegas NV Q: What types of fireplaces do you service? A: We service a variety of fireplaces, including gas, wood-burning, electric, and outdoor fireplaces. Q: What does the repair process entail? A: Our repair process typically includes an initial assessment, diagnosis, repair execution, and final inspection to ensure quality and safety. Q: How can I schedule a service? A: You can schedule a service by calling us directly, sending an email, or filling out the online form on our website. Q: How often should my fireplace be maintained? A: We recommend an annual maintenance check-up for most fireplaces to ensure they are functioning safely and efficiently. Q: Do you offer emergency repair services? A: Yes, we provide emergency repair services for urgent issues. Please contact us immediately in such cases. For any further questions or specific concerns, please don’t hesitate to get in touch with us. We’re here to ensure your fireplace remains a source of joy and comfort in your home.

https://gwsmasonry.com/fireplace-repair-las-vegas/

A senior associate based in our London office, Shairin has over 20 year’s experience in personal injury litigation including complex and high value claims. Shairin's key specialisms include employers’ liability, public liability and motor liability. She has a special interest in causation and assists partners in complex large loss and catastrophic injury claims, involving brain injuries, amputation, spinal trauma and chronic pain. She carries out investigations in respect of liability, quantum and causation as well as evidence gathering, instructing and managing medical experts and dealing with all procedural steps involved in litigation. In addition, Shairin deals with claims arising from accidents abroad, international litigation and jurisdiction disputes, utilising Kennedys’ extensive overseas offices. Shairin has significant trial experience. Notable cases include Turner v Beddall (2021), where she successfully defended a claim on behalf of Hiscox relating to a cycle on cycle collision, which occurred on the Boris Johnson superhighway. Another notable case is Martini v Zeqo v Royal Sun Alliance Insurance PLC (1) AXA Corporate Solutions (2) Southern Rock Insurance (3) (2022), where Shairin successfully defended a multi-party road traffic collision on an unlit stretch of motorway, following a 4 day trial at the High Court. The case was unique given the multiplicity of parties, vehicles involved and the key road traffic consultants instructed by the various parties. This judgment in particular serves as a useful example for insurers in respect of “agony of the moment".

https://kennedyslaw.com/en/our-people/people/london/shairin-mohamed/

Why Your Homeowners Insurance Rates Change Your homeowners insurance policy protects you if your home or certain assets are damaged or destroyed during a covered event. On top of that, most offer some level of liability protection in the event that someone gets hurt on your property. Mortgage lenders generally require homeowners insurance, but your premiums aren’t set in stone. Instead, they can fluctuate for a variety of reasons. The average premium went up by 3.1 percent in 2018, according to the most recent data from the National Association of Insurance Commissioners (NAIC). Understanding why homeowners insurance rates change can help you take steps to reduce your out-of-pocket costs. How are homeowners insurance rates determined? Homeowners insurance tends to get the most attention during the homebuying process because it’s usually required when applying for a mortgage. A number of factors are used to calculate your initial rate. The age of your home often plays a role, along with your level of coverage, deductible, and prior insurance claims. With that said, the NAIC reports that the average premium in 2017 for the most common type of home insurance was $1,211. It’s worth noting, however, that rates can vary significantly from state to state. Reasons your home insurance rate can increase Rates are also determined by factors that suggest you may be more likely to file a claim in the future. That casts a very wide net and can include all sorts of things. Safety hazards are an obvious concern that could translate to more risk. If you’ve added a trampoline or pool to your property, for example, your insurer might bump up the cost of your policy. Below are additional reasons your home insurance rates can increase: - You have a history of filing claims. Similar to car insurance, your home insurance rates might go up if you’ve filed multiple claims in the past. Simply put, your insurer may view your policy as more costly to insure. The same can apply to those who live in an area where homeowners generally file more claims. This can include areas with higher rates of burglary or adverse weather events. - Construction costs go up. Construction prices have made headlines during the Covid-19 pandemic. The crisis has caused a price hike on lumber, plywood and other essential building materials. As a result, the cost to rebuild homes has increased. The pandemic aside, regular inflation can also increase construction prices over time. Insurers may pass these costs onto homeowners by dialing up their premiums. - Your home needs some work. Insurers are concerned with how likely you are to file a future claim. If your home has structural issues that need attention, you could see a price increase. Problems related to the roof or foundation are biggies that can be diagnosed during an external review of your property. - Your credit score decreased. In some states, your credit-based insurance score can influence your homeowners insurance premium. This metric is based on information on your credit report, and some insurers use it to predict risk. If your credit score has dropped, your insurer might increase your rate. - There’s a gap in your coverage. Letting your insurance lapse could cost you in the long run. If you fail to renew your policy and there’s an interruption in your coverage, your insurer might increase your premiums to offset perceived risk. Tips for saving money on homeowners insurance Experiencing a rate increase can be disheartening, but it doesn’t have to be permanent. You may be able to find other workarounds to reduce your premiums. Here are a few potential ways to save money on your homeowners insurance: Look for discounts Many insurers offer additional discounts to qualifying homeowners. If you’re retired, for example, your insurance company may see you as less likely to be burglarized, according to the Insurance Information Institute. Make a quick phone call to see if any discounts are on the table. Make safety or security upgrades Improving your home’s safety features can pay off in the form of a lower insurance premium. The Insurance Information Institute reports that installing smoke detectors, dead-bolt locks or a burglar alarm usually reduces rates by at least 5 percent. More sophisticated security systems could snag you a discount of up to 15 to 20 percent. If you have young children, installing a pool safety gate could be another worthwhile option. Boost your credit score As we mentioned earlier, a lower credit score could adversely affect your home insurance rate. The opposite may also be true. Depending on where you live, improving your insurance-based credit score could unlock lower rates. Paying your bills on time, keeping your credit card balances low, and maintaining a healthy credit history can all move the needle in the right direction. Increase your deductible Your deductible is the amount you pay out of pocket before your homeowners insurance kicks in and covers the rest. Deductibles generally reset with every claim, so having a lower deductible comes in handy if you need to file one. However, opting for a higher deductible usually reduces your premium. Just be sure you have your deductible amount on hand in your savings account should disaster strike. Switch your insurer Shopping around with other home insurance companies is another potential way to save. You can also consider bundling your home coverage with your auto insurer to reduce your premiums across the board. Matic makes it easy to compare rates, providing customized quotes in a matter of seconds. From there, you can pick and choose between different insurers until you find the right match for you.

https://matic.com/blog/why-your-homeowners-insurance-rates-change/?utm_source=blog&utm_medium=organic&utm_campaign=common+homeowners+insurance+questions

Prefabricated fire extinguishing systems for ships are permanently installed. The system protects a specific volume of an enclosure with different triggering modes, such as: B. automatic thermal release or manual release via a mechanical pull cord. Pre-engineered means that the system has been designed and tested according to specific criteria that take into account the following factors: - Protected space volume - Required active ingredient weight - Size of the system cylinders and filling density - Nitrogen overpressurization - Flow rate of the extinguishing agent from the nozzle discharge time (max. 10 sec.) Sea-Fire's AVD fire extinguishers are specifically designed to combat high risk lithium-ion battery fires. AVD's enhanced extinguishing properties compared to other products make it the only extinguishing agent you should consider for lithium-ion battery fires. Discover AVD, a revolutionary new fire extinguishing agent for lithium-ion battery fires. The only product of its kind, AVD offers unique and effective protection against lithium-ion battery fires. Designed specifically for lithium-ion battery fires, AVD offers superior performance to extinguish flames and minimise damage. Do you know how to extinguish a lithium battery fire quickly, safely and effectively? AVD is a breakthrough fire extinguishing agent designed specifically for the unique threat posed by lithium battery fires. It is the only agent that contains, cools and extinguishes lithium battery fires.

https://preventive.ch/en/sea-fire-katalog

The so-called ‘Ring of Fire’ in Ontario’s far north is expanding in size as mining claims spike in the area. More than 31,000 mining claims have been registered to date, an increase of 28 per cent in a year, according to analysis by Wildlands League, a non-profit conservation group. The rise in the number of mining claims coincides with more land being taken up by surface rights owners. The claims now cover 626,000 hectares of the remote northern landscape, up 30 per cent from September 2022. The area is now nearly 10 times the size of the City of Toronto or double the Greater Sudbury area, the group says. “I flew over the Ring of Fire again this summer and the footprint is sprawling,” said Janet Sumner, the executive director of Wildlands League. The Ring of Fire is the name for a circular mineral deposit located 540 kilometres north of Thunder Bay in the heart of Treaty 9 territory. The majority of the mining claims fall within a vast wetland called the Hudson Bay Lowlands. It contains the largest intact peatland expanse in North America and the second largest in the world, estimated to store more than 35 billion tonnes of carbon. For the rest of this article: https://globalnews.ca/news/10142331/mining-claims-ontario-ring-of-fire/

https://republicofmining.com/2023/12/05/area-covered-by-mining-claims-in-ontarios-ring-of-fire-increased-by-30-per-cent-in-one-year-by-krista-hessey-global-news-december-4-2023/

It’s a separate product protecting you from liability over (and above) that provided by your other personal insurance policies. Holding this extra layer of protection requires that your underlying (base) policies (auto and home insurance) carry (at least) minimum liability limits. Umbrella policy protection is not limited to auto and home, and that is really the core of our concern: it could also extend over condo, classic/antique vehicles, 1-4 family homes, watercraft, and almost anything you have or do! What activities could create financial risk? Damage or injury (to others) resulting from or by: a child’s accident, hosting guests, a swimming pool, a vacation property, home remodeling, a pet’s “enthusiasm”, volunteer activities, libel/slander, and so much more… So, what if there is a gap in coverage between your base policies and an Umbrella policy? You’d be self-insured (aka out-of-your-pocket) for the difference if an incident occurred and resulted in financial loss to you. A Financial Planning rule-of-thumb: you should carry Umbrella coverage equal to, or greater than, your net worth. The cost is low. We believe all of this has no correlation to the risk profile of your life style; bad things can happen to anyone, at any time. Here is an example: A couple hosted a party for their teenage children. They did not provide any alcohol, but it was brought by some of the guests and was available. After leaving the party, one of the guests was severely injured in an auto accident, and the injury was attributed to his alcohol consumption. This case went to the Wisconsin Supreme Court which decided that anyone who sells or furnishes alcohol to a minor is responsible for the minor’s injuries as well as any injuries caused by the minor. The opinion of the court was that the homeowners should have prevented the consumption of alcohol by minors on their premises. Both the homeowners and personal umbrella policies paid on this claim.

https://www.nicolaysenagency.com/why-an-umbrella-policy/

To replace an existing FireCluster with a new pair of Fireboxes, you can use your existing FireCluster configuration file for the replacement FireCluster. To do this, replace the feature keys in the original cluster configuration file with the feature keys for the new Fireboxes you want to configure as a cluster. When you import a new feature key to your existing configuration file, Policy Manager automatically updates the model in the configuration file to match the Firebox model specified in the new feature key. Before You Begin Make sure that your two new Fireboxes are the same model. The model must support FireCluster. For a list of models that support FireCluster, go to Supported Models for FireCluster. Before you can migrate your FireCluster configuration to new hardware, you must get the feature keys for your new Fireboxes and upgrade the Firebox OS, if necessary. Activate and Get the Feature Key for Your New Fireboxes First, activate your Firebox and get the feature keys for your new Fireboxes from the WatchGuard website. You need the device feature keys to upgrade software on the device (if necessary) and to configure FireCluster. To get the feature key for your device: - Open a web browser and go to https://myproducts.watchguard.com/manage-products. - Log in to your WatchGuard account. - On the Manage Products page, in the Network Security section, click View Products. - Select a friendly name to open details for that device or product. - Click Get Feature Key. - Click Copy. - Save the feature key to a local text file. Check the OS Version on the New Devices and Upgrade, if Necessary The OS version and build installed on the two new Fireboxes must be the same. The OS version must also be the same as or higher than the OS version installed on the FireCluster Fireboxes that you want to replace. To find the OS version and build number on a new Firebox that has a front LCD panel: - Power on the Firebox. - Use the arrow keys near the LCD panel to find the installed OS version. To find the OS version and build number installed on a new Firebox that does not have an LCD panel: - Start the Firebox. It does not need to be connected to the Internet for this procedure. - Use an Ethernet cable to connect your management computer to interface 1. - In WatchGuard System Manager, connect to the device with the default device settings: - IP Address: 10.0.1.1 - User Name: status - Passphrase: readonly - After you connect to the Firebox, look for the installed OS and build number in WatchGuard System Manager. The OS version and build number appear to the right of the model number (Fireware v12.5.1.B601804, for example). The number after the v is the version number. The number after the B is the build number. What if the version or build numbers do not match? If the Fireware version and build numbers on the two new Fireboxes do not match, or if the version of the new Fireboxes is lower than version on the existing FireCluster, you must upgrade the OS on the new Fireboxes. To upgrade the OS on each new Firebox: - Run the WSM Quick Setup Wizard to set up the new Firebox with temporary basic configuration. - In the Quick Setup Wizard feature key step, paste the feature key you downloaded when you activated the device. The feature key is required for the OS upgrade. - Upgrade the device. For information on how to run the Quick Setup Wizard from WatchGuard System Manager, go to Run the WSM Quick Setup Wizard. For information about how to upgrade the OS, go to Upgrade Fireware OS or WatchGuard System Manager. Configure OS Compatibility If the new Fireboxes run a different Fireware version than the existing FireCluster Fireboxes, you must update the OS Compatibility setting to the OS version that the new Fireboxes use. To configure OS Compatibility, from Policy Manager: - Select Setup OS Compatibility. - From the For Fireware version drop-down list, select the Fireware OS version that the new Fireboxes use. - Click OK. Move the Configuration To move the configuration to the new Fireboxes you must update the configuration to replace the feature keys, save the configuration to the new cluster master, and synchronize the configuration to the second cluster member. Update the Configuration Use Policy Manager to update the existing FireCluster configuration with the feature keys of the new Fireboxes. You must remove the existing keys for each member of the clusters before importing the new keys. - In Policy Manager, select Setup System and verify that the new device model is shown correctly. If the Firebox model is not correct, from the FireModel drop-down lists, select the product family and Firebox model of your new Fireboxes. - Select FireCluster > Configure. - Select the Members tab. - Select a cluster member and click Edit. - Select the Feature Key tab. - Click Import. - Paste the content of the feature key file for one of the new Fireboxes in the dialog box. - Click OK to add the new feature key for this member. - Click OK to close the member configuration. - Select the other cluster member and click Edit . - Repeat steps 5 through 9 to replace the current feature key with the feature key of the other new Firebox. - Click OK to close the FireCluster Configuration dialog box. Save the Configuration to the New Cluster Master After you update the configuration, you can save it to one of the new Fireboxes, which becomes the initial cluster master. To save the updated configuration to the new device: - Connect your computer to a trusted interface on the new Firebox (interface 1 by default). - Make sure your computer gets an IP address on the same subnet as the interface you connect to. - In Policy Manager, select File Save To Firebox. - In the Firebox Address or Name text box, type the IP address of the new Firebox. - In the Administrator Passphrase text box, type the passphrase for the admin account on the new Firebox. If the new Firebox uses the default configuration, the passphrase is readwrite . - Click OK. - In the File Name text box, type the file name to save the configuration file. - Click Save. - Policy Manager displays a warning if you save a configuration to a Firebox IP address that does not match any of the IP addresses in the configuration file. Click Yes to confirm that you want to save the configuration to the new Firebox. Add the New Backup Master To add the new backup master to the cluster and synchronize the configuration: - Connect the cluster interfaces of the new FireCluster devices. For more information, go to Connect the FireCluster Hardware. - Start the second device with factory default settings. The steps to do this vary by device model. For more information, go toReset a Firebox. - Connect to the new cluster master in Firebox System Manager. - In Firebox System Manager, select Tools > Cluster > Discover Member. When the cluster master detects a connected device with a serial number that matches the serial number in the FireCluster configuration, the cluster master synchronizes the configuration and adds the Firebox to the cluster. For more information, go to Discover a Cluster Member. For a summary of all steps to set up the new FireCluster, go to Quick Start — Set up a FireCluster.

https://www.watchguard.com/help/docs/help-center/en-US/Content/en-US/Fireware/ha/cluster_migrate_model.html

"Active" fire suppression includes mechanical systems that are designed to control and/or extinguish fires after they have been started, such as sprinklers. These fire safety devices are readily apparent in most buildings and require maintenance and inspection on a regular basis. But, active systems can have a high rate of failure and do not guarantee stopping or suppressing the spread of deadly toxins, smoke and flames. "Passive" fire protection or "firestopping," is an integral part of fire protection engineering. Firestop systems protect against the passage of flames, deadly gases and toxic smoke through openings in walls, floors and floor/ceiling assemblies for through-penetrations, membrane penetrations, joints, blanks, gaps and voids. The integrity of fire-rated assemblies is restored by firestop systems. Other materials, such as duct enclosures, mineral wool insulation, and fire-rated drywall, are also critical in forming fire-resistive compartments in buildings. Passive fire-rated systems are installed during construction to ensure in the event of a fire that the flames, smoke and deadly gases can be contained within the area that the fire started. Firestopping is required in all penetrated rated assemblies and the joints. All of the model building code groups (BOCA, ICBO, SBCCI, ICC) follow a common format for specifying firestopping. NFPA also specifies firestopping requirements in its Life Safety Code, National Electric Code publications and NFPA 5000 Building Code. In fact, the very nature of the NFPA promotes the use of a "belt-and-suspenders" approach to ensure proper firestopping rather than an "either/or" approach. Passive fire protection is required to be a fire rated system tested at an independent laboratory, such as UL, FM, Omega Point and/or Warnock Hersey. In other words, manufacturers sell products that are used in total systems based on a number of building components and configurations. "Systems" are firestopping techniques or methods, tested by an independent laboratory to ASTM or Canadian test methods, using a firestop product or combination of products to determine the fire-rating performance. When installed, selected, inspected and tested properly, these products work in concert with one another to create effective barriers. Choose the right passive fire protection systemDepending on the application, there can be many firestopping product and system choices. As a rule of thumb, firestopping is required at all joints and penetrations that run through fire-rated walls. There are other areas, such as grease or air duct systems, that might require further firestopping, as well. The first step in selecting a firestopping system is to identify items penetrating the fire-rated assembly, such as cables or pipes, or the type of joint, static or dynamic. Use the following guidelines to determine the correct firestopping system to meet the project's needs. Through penetration guidelines: • Type of assembly (concrete, gypsum wallboard) • Type of penetrant (Metallic pipe, non-metallic pipe, cables) • Size of opening • Size of penetrant (diameter) • Rating required • Width of joint • Type of assembly (concrete, gypsum wallboard) • Rating required If unable to find a specific system that fits the application, an engineering judgment can be written to fit the particular firestop need. Beyond the standard, listed firestop systems, engineering judgments can help properly address unanticipated construction configurations. Most (if not all) manufacturers follow International Firestop Council guidelines on engineering judgments and offer this service free of charge to the benefit of the industry. An engineering judgment must be approved by the architect or inspector responsible for the project. Proper firestop engineering judgments should: • Follow the IFC guidelines on engineering judgments. • Be presented in appropriately descriptive written form with or without detail drawings (as necessary). • Clearly indicate that the recommended firestop system is an engineering judgment and not a listed system. • Identify the job name, location and firm the engineering judgment is issued for, along with the nonstandard conditions and hourly rating required. • Provide complete descriptions of critical elements for the firestop system configuration. • Include clear directions for the installation of the recommended firestop system. • Include dates of issue and authorization signature, as well as the issuer's contact information. • Reference tested system(s) on which the design is based upon. • And, justification (such as UL, OPL or other independent laboratory system(s) and/or opinions). It's important to note that an engineering judgment is not a substitute for a tested system, and an available tested system should always take precedent over a judgment. Judgments are most often used in construction configurations that are not standard. InstallationFirestop is not a separately licensed construction trade, so many different trades install their own firestop. It is common to find electricians, plumbers or drywallers who may install firestopping systems. While this is perfectly acceptable, some trades will subcontract to firestopping contractors. In fact, because of the codes and inspectors increased knowledge of firestopping, Factory Mutual Research, has developed a standard (FM 4991) in conjunction with the Firestop Contractors International Association, for approval of contractors, to help improve the performance and installation of firestop systems. To become approved, the contractor firm appoints a Designated Responsible Individual, who must past a rigorous industry test to become the key person in the firm to monitor the quality process. FM Approvals then audits the contracting firm's procedures in its "Quality Manual" to confirm that the firm's paper trail is in order for successful installation of firestop systems. However, FM 4991 is currently not required of installers to install firestopping systems. It is expected to become a requirement in the future as firestopping awareness increases. Many manufacturers offer training to installers on how to properly read and install systems. This training and some basic understanding of the importance of following a system for proper installation makes firestopping easy for trades, such as drywall, electrical and plumbing. The inspection processAs with all construction, inspections are necessary. Planning and communication between the building designer and installer prior to construction will save time, money and resources. With firestopping, the time allocated for inspections can be drastically reduced if proper paperwork is present in advance of the field inspection. This paperwork includes copies of all the systems, product data information and MSDS of all products used on the project. Verification of system testing and listing with a nationally recognized laboratory is key to a smooth inspection process. The costs and time associated with removing improperly applied materials can be drastically reduced if the respective through penetration firestop systems, fire-resistive joint systems and flexible rated duct enclosure documentation are confirmed prior to installation. Use of applicable ASTM practices will provide guidelines for inspection of installed systems. Firestopping is an important part of an overall fire safety system. The responsibility for firestopping is a shared one-with proper coordination between general contractors, subcontractors, building owners, inspectors, and manufacturers, installing a firestopping system can be a seamless, cost effective mode of enhancing life safety and building longevity.

https://www.wconline.com/articles/83315-flame-on

We are insurance brokers and can help you get the right insurance. Feel free to call me. Date of Birth- Insurance companies use this number to guess how many years you have been driving and associate this with more experience and less risk. Deductible- This is the amount of money you will pay on your own vehicle’s damage before the insurance company will pay any money. Liability Coverage- This is payments for damages you caused to other people and their property. $100,000 means that the insurance company will pay up to $100,000 per incident. Marital Status- Singles are usually associated with higher risk and a married couple or widowed person is associated with lower risk. Medical Payments- This is a liability coverage under home insurance. If someone is injured on your property the insurance company will pay up to the predetermined limit per person. Ownership- This is asked to know if their needs to be a lien holder or not on the vehicle. A lien holder is someone besides the insured owns the vehicle. Primary Source of Heat- Different risks and costs to replace are correlated with the different heat systems. Primary Use- Different uses are associated with different risks. Property Coverage- This helps the agent know if you want standard insurance, cheap insurance, or would rather know that you are covered for almost everything (higher premium). Risk- An evaluation of how much an insurance company thinks its going to pay out to a policyholder. If you have high risk, the premium will be higher and if you have low risk, the premium will be lower. Almost every question on an insurance quote is factored into how risky you will be to insure. Year Heating Renovated/Replaced- Insurance companies associate older heating systems with higher risk and more cost to repair. Year Roof Replaced- Insurance companies associate older roofs with higher risk because their is a greater chance that they will replace it. If your roof is newer or is hail resistant you will get a discount.

https://www.wecare-insurance.com/dwelling-insurance/dwelling-insurance-quote/

Cybersecurity insurance is still a pretty new concept for many SMBs. It was initially introduced in the 1990s to provide coverage for large enterprises. It covered things like data processing errors and online media. Over the last 30 years cyber insurance has evolved. Today’s cyber insurance policies are more robust and cover the typical costs of a data breach including but not limited to: - Recovering compromised data - Restoring computer systems - Mandatory notifications informing customers about a data breach - Providing personal identity monitoring to your impacted clients - Incident Response teams to minimize the impact of the breach - Forensics teams and cybersecurity experts to investigate the breach - Legal expenses - Ransomware payments Data breach occurrences and costs continue to rise. 2021 set a record for the most recorded data breaches on record. In quarter one of 2022 alone, breaches were up 14% over the prior year. The unfortunate truth is that no one is safe. We have had many uncomfortable conversations with our clients acting as their managed IT support provider and their fractional CISO (as part of our Managed Security Services offerings) that always start with “we’re too small, no one is ever going to target us, so why spend the money on cybersecurity“, or some variation of that. These conversations always end with our client running the numbers and realizing they’re not comfortable with that level of risk. When I say the conversation is uncomfortable, I don’t mean for us; Ikigai One is comprised of seasoned experts in their respective fields including cybersecurity. These conversations are not new to us because we ask these questions every day- we always weigh the actualized risk for our clients and when we do the math they quickly realize that even small businesses find they are targets. SMBs often have substantially more to lose than larger enterprises due to the nature of economics at scale. If your business were to suffer a ransomware event that cost you an entire month of downtime do you have the liquid capital available to pay for the remediation, lost product, employee wages, rent, and all your other business expenses while having zero cashflow; comparatively a Fortune 500 enterprise would survive- their shareholders would be incredibly upset and the stock prices would fall, but they would live to profit another day. About 60% of small businesses close down within 6 months of a cyber incident. The increase in online danger and rising costs of a breach have led to changes in this type of insurance. The cybersecurity insurance industry is ever evolving. Businesses must evolve too or be left behind. The Top Cyber Liability Trends You Need To Know About: Demand is Going Up The average cost of a data breach is currently $4.35 million (global average). In the United States, it’s worse- more than double that, at $9.44 million. Rapidly inflating costs are causing high demand in the cyber insurance market. Companies in all industries and verticals are realizing with horror that cyber insurance is critical. It’s as important as general liability insurance. Businesses that are forced to pay out of pocket for cyber incidents usually shutter their doors due to the extraneous costs. It can cost more to fix the ship than its worth. The current situation is lighting fires under businesses to get insured and quickly before rates continue to rise. Premiums are Increasing An increase in the amount and sophistication of cyberattacks across the board means more payouts from insurers which in turn means rate increases are imminent. In 2021, cyber insurance premiums rose by a staggering 74%. The combined costs from ransomware payouts, data breaches, service disruptions, and lawsuits are resulting in skyrocketing premiums. Insurance carriers aren’t willing to lose money on cybersecurity policies thus, those policies are getting more expensive. Insurers know these policies are necessary- further exacerbating the situation. There’s really only one solution and it’s no what you’d expect: Certain Coverages are Being Dropped Finding certain types of coverage is becoming increasingly difficult, as some insurance carriers are excluding coverage for “nation-state” attacks, which are attacks that originate from a government. These attacks are particularly concerning because many governments have ties to known hacking groups, meaning a ransomware attack that targets consumers and businesses could be classified as a nation-state attack. In 2021, 21% of nation-state attacks targeted consumers, while 79% targeted enterprises. Therefore, it is important to be cautious when reviewing an insurance policy that excludes coverage for these types of attacks. Since most large hacking groups have ties in some way to a foreign government the insurance company could invalidate any claims made for damaged caused by them. Another type of coverage that is being dropped from some policies is ransomware. Between the first and second quarters of 2022, ransomware attacks increased by 24%.. As a result, insurance carriers are becoming less willing to pay ransoms on behalf of unsecured clients, and are excluding ransomware payouts from policies entirely. This puts a greater burden on organizations to ensure their backup and recovery strategies are well-planned and tested to protect against these types of attacks. It’s Harder Than Ever to Qualify Everyone want cybersecurity insurance, but that doesn’t mean they’ll qualify for it. The qualifications process for obtaining cyber insurance is becoming more conservative every quarter. Many insurance companies are taking a position of refusing coverage entirely for organizations they deem have poor cybersecurity posture. The questionnaires are getting longer and the requirements are getting higher. Some of the factors that insurance carriers look at include: - Network security - Use of things like multi-factor authentication on all accounts - BYOD and device security policies - Advanced threat protection (EDR is now mandatory) - Automated security processes - Backup and recovery strategy (is now almost universally mandatory) - Administrative access to systems (is now heavily scrutinized) - Anti-phishing tactics - Employee security training You’ll often need to fill out a lengthy questionnaire when applying for insurance. This includes several questions about your cybersecurity situation. Your IT provider may be able to help explain certain things to you, but their assistance may be limited due to the legality and liability associated with the insurance industry- Look for a managed IT services provider with experience and connections with the insurance industry. The amount of effort that is required to meet the qualifications for cyber insurance may seem daunting at first, but reviewing the questions provided by insurers can also serve as an opportunity to identify and implement security enhancements with the help of your IT partner. Similar to other forms of insurance, taking steps to reduce risk can often lower your premium costs. Conducting a cybersecurity review before applying for cyber insurance can save time and money in the long run, while also strengthening your defenses against cyberattacks. It is an investment that is worth making. [Shameless Plug: Our awesome cybersecurity experts offer this to all of our managed clients for free, so please give us a call] We Promise: There Is Hope! Cybersecurity coverage and insurance applications can be complex. If you answer wrong on a question, it can mean paying hundreds or thousands more per year in premiums than you should. If you’re considering cybersecurity insurance (and you should be), don’t go it alone. Schedule a FREE 45 minute consultation (valued at over $499) with some of our cybersecurity experts. We’ll get to know your business and its needs and create a custom plan to get you cyber insurance ready. We work with leaders in the cyber insurance industry and because our expertise and processes are so heavily vetted and trusted Ikigai One is able to offer substantial discounts on cyber insurance through its partners as well as an expedited onboarding process for all managed clients in New Jersey, Maryland, Texas, and Washington DC.– This is not a promotion or offer, we legally can’t and don’t make money from this. We offer this service because we genuinely believe that cyber insurance is now a requirement for most businesses and we want to do everything in our power to help you get it!

https://ikigai.one/insurance/the-rapid-evolution-of-cyber-insurance-in-2023/

New thinking on cybersecurity policies, processes, people and products are necessary for organisations to reverse perceptions, and perhaps realities, that they are falling behind in their preparedness. This is according to a new report from CompTIA, the nonprofit association for the information technology (IT) industry and workforce. CompTIA's ‘2021 State of Cybersecurity' report, based on a recent survey of business and IT professionals, examines current cybersecurity strategies and outlines the tactics needed to elevate a cybersecurity presence to meet today's threats. CompTIA senior director for technology analysis Seth Robinson says, “Complexity is the common theme across the cybersecurity landscape. "As a result, organisations must approach cybersecurity with a completely different mindset. Practices considered good enough in the recent past are no longer sufficient. Three in 10 survey respondents said they are “completely satisfied” with their organisation's approach to cybersecurity, while 27% feel the general state of cybersecurity is “improving dramatically. The cybersecurity issues organisations must consider are complex and numerous, CompTIA states. Top of mind for companies are the volume and variety of attacks, cited by 49% and 43% of respondents, respectively. Privacy concerns (40%), greater reliance on data (38%) and quantifying security issues (34%) are other factors companies must account for when developing cybersecurity policies, implementing new practices and making investments. The emerging mindset on cybersecurity has as its foundation the concept of zero trust. Rather than assuming that network traffic or user access is harmless due to origin or credentials, zero trust requires verification at every step, CompTIA states. The report acknowledges that a shift to a zero trust policy is likely to be a more expensive than other approaches. Among companies in CompTIA's survey currently pursuing a zero trust architecture, 75% have found that more investment is required for zero trust than for their previous cybersecurity initiatives. Processes to implement the cybersecurity policy are the next step. Security monitoring (49%), workforce assessments and education (41%) and threat intelligence (41%) are among the processes most often used today. While most companies focus their monitoring on traditional cyber threats such as viruses and malware, there is interest in improving knowledge around phishing, ransomware, firmware hacking, IP spoofing and other new types of attacks, the survey finds. While supply chain attacks have grabbed recent headlines ransomware continues to be a significant threat, with the average cost of remediating a ransomware attack estimated at $1.85 million. The use of workforce assessments and education is a reminder that the weakest link in cybersecurity continues to be humans, CompTIA finds. While not every employee requires the same level of cybersecurity knowledge and training, companies are keenly aware that skills must be kept current and relevant. Approximately four out of ten companies feel that they need significant improvement in skill levels. Complexity also extends to the toolbox of cybersecurity products available to organisations. Antivirus software (54%) and firewalls (52%) remain the most commonly deployed solutions, with both becoming more robust in the protections they provide. Other products that are getting a closer look are password managers (44%), identity and access management tools (43%) and security information and event management solutions (41%).

https://itbrief.co.nz/story/organisations-falling-behind-on-security-preparedness-mindset-shift-required

Updated February 15, 2024. If you own your home, you may worry from time to time about becoming unable to make your mortgage payments. Regardless of the reason, wouldn’t it be great if there was a way to protect your mortgage payments from the uncertainties of life? Fortunately, a special type of life insurance called mortgage protection insurance can help. What Is Mortgage Protection Insurance? Mortgage protection insurance covers mortgage payments in the event the policy holder can no longer make mortgage payments. Instead of providing funds that can be used for any expenses, mortgage protection insurance is paid directly to the mortgage lender. Mortgage protection insurance is similar to life insurance, in that it is paid out after one’s passing. However, the way the insurance proceeds are used differ. With this type of insurance, the proceeds are sent directly to the mortgage lender, not to the insured homeowner. The insurance policy doesn’t only cover the death of the homeowner. If a homeowner becomes disabled or cannot work, the insurance may cover the mortgage and interest payments. Depending on the policy, it may also help cover mortgage payments for job loss or other life events. These differences are referred to as riders. How Does Mortgage Protection Insurance Work? Once a mortgage protection policy is obtained, the homeowner makes monthly payments to cover the insurance premium. Instead of the homeowner choosing the beneficiary, the mortgage lender is the default beneficiary. Over time, the amount that may be paid out decreases, since the mortgage decreases as principal payments are made. If the homeowner dies, the remainder of the mortgage will be paid directly to the lender. If the homeowner suffers a covered injury or another event, the insurance will cover the mortgage payments for a specified amount of time. 1. Get A Quote The first step is to get a quote for mortgage life insurance. Anyone is able to apply for MPI. The monthly premium, however, will depend on the applicant’s age, income, mortgage, and other mitigating factors. 2. Choose A Policy Policies will differ for many reasons, including price, coverage, riders, and eligibility. Once you find the policy that best suits you, it is best to lock down the policy before any health or income factors change and effect your monthly premium. 3. Get Peace Of Mind Whether the mortgage protection insurance is to cover yourself or a loved one, rest assured knowing that their ability to pay for their mortgage is protected. Due to the uncertainty of a life event, the ability to afford home payments is crucial. How Long Is The Term For Mortgage Protection Insurance? The term length of a mortgage protection insurance policy generally matches the length of the mortgage being insured. If the policy holder has a 30 year mortgage, than the MPI policy will also be for 30 years. It can also be limited by the homeowner’s age, as older buyers are more likely to experience a covered event compared to younger buyers. Since an MPI policy is not required, it can be canceled at any time. Homeowners may prefer to cancel it to save money once they have a significant amount of equity in their home. How Much Coverage Do Mortgage Insurance Policies Offer? Mortgage protection insurance policies can range anywhere from $5,000 to $2,000,000+ depending on the size of the mortgage being covered. If only a small mortgage is being covered, or the mortgage in nearly paid off, then an applicant will only require a small MPI policy. But if the applicant needs to insure a brand new mortgage or cover an expensive home, then the size of the policy will be much larger. Regardless of the amount of coverage the policy has once it begins, all mortgage protection policies decrease over time. As the mortgage is paid down, the amount of mortgage insurance coverage decreases as well. This ensures no excess funds are paid out by the insurance company. Is Mortgage Protection Insurance Required? Mortgage protection insurance is not required to purchase or own a home. However, it may prove beneficial depending on the homeowner’s personal situation. Private mortgage insurance, which is different, may be required by the lender. However, MPI is something that the buyer can choose to purchase if they want to protect their ability to afford mortgage payments. Types of Mortgage Protection Insurance Riders Insurance riders, otherwise known as a floater, is an optional add-on to an insurance policy. These are meant to provide various types of benefits to a policy holder, depending on the rider. Different types of insurance will have different types of riders due to the nature of the payout and policy. Critical Illness: With this rider added on, a lump sum payment can be made according to the amount purchased if the homeowner is diagnosed with an illness covered by the rider. The suggested amount is 12 to 24 months worth of mortgage payments, but homeowners can purchase up to 100% of the mortgage amount in case it is needed. Bankruptcy: In order to protect your mortgage payments from potential bankruptcy, check out bankruptcy riders for your mortgage life insurance plan. In the event you need what some call a fresh financial start, this rider protects your ability to pay for your mortgage. Unemployment: Buyers may wish to add on the unemployment rider if it’s not already included in the policy. This covers the buyer if they lose their job involuntarily, as long as the reason for this is covered by the policy. There may be a waiting period before coverage begins for this rider, but once it does start, it can cover up to six months of mortgage payments while the homeowner looks for a new job. Return of Premium: Some MPI companies will offer a rider that enables the buyer to receive a refund for all premium payments. Applicable fees can be deducted from this when it is used. This can only be used once the policy term has ended and may not be able to be obtained if the mortgage was used for unemployment, illness, or other temporary reasons before the policy’s end. Accelerated Access: Although uncommon in mortgage protection plans, accelerated access is a type of rider that provides benefit before death. Examples include being diagnosed with a chronic illness or critical injury that makes paying a mortgage impossible. Disability: If a policy holder becomes disabled and is unable to continue making mortgage payments, then a disability rider will be helpful. If your line of work is risky or your genetics have lead to disabilities, consider this rider. Overloan Protection: Overloan protection ensures that excessive loans or mortgages cannot be made against the mortgaged property. Primary Insured: This insurance rider provides added benefit to the primary policyholder, in addition to that of the mortgage protection. This will usually come in the form of a life insurance policy. Additional Insured: Similar to the primary insured rider, this provides added benefit coverage to additional household members not included in the mortgage protection plan. Children: Another add-on for mortgage protection insurance can include a benefit for children who live in the originally-protected household, in the form of a life insurance policy. Accidental Death: While a natural or illness-caused death is already covered in a mortgage life insurance plan, accidental death may not. This accidental death rider protects the mortgage in the event the policy holder dies via an accident. Waiver of Premium or Monthly Deductions: In the event the insured party becomes incapacitated and unable to pay their mortgage before the age of 65, it is possible to receive a waiver of premium payments or monthly deductions. Do I Need a Mortgage Insurance Rider? Depending on your health and financial situation, an add-on rider to your mortgage protection insurance plan may be beneficial. There are many options available to supplement your MPI, and depending on your needs, a certain rider may protect you from risks that you weren’t aware of. By getting a free mortgage protection insurance quote, you can find out which policy and riders are best for you. Is Mortgage Life Insurance The Same As Life Insurance? While mortgage protection insurance is technically a form of final expense life insurance, the major difference is with MPI the policy holder cannot choose the beneficiary. The beneficiary of an MPI policy will always be the mortgage lender. Since the MPI reduces in value as the mortgage is paid off, there will not be any excess funds to be retained by the family. Unlike many life insurance policies, MPI policies have guaranteed acceptance. This means applicants will not be turned down for a policy because there is no underwriting process with MPI. The cost of mortgage protection insurance can vary based on the homeowner’s health or occupation, but just about anyone can obtain a policy. This means that MPI can be more expensive than life insurance for the same amount of funds. There are also differences in the rules and regulations. With life insurance, the balance on the policy stays the same over time, while it lowers for an MPI policy as the mortgage is paid off. On top of this, there may be limits on when the policy must be purchased, usually within two years of buying the home. Life insurance, on the other hand, can be purchased at any time. Who Sells Mortgage Protection Insurance? MPI can be purchased from a mortgage lender, a private insurance company, or through a life insurance provider. Not all insurance companies offer this type of insurance, as it is frequently rolled into a full life insurance policy. MPI providers that we review include: - Athene Annuity - Colonial Penn - Foresters Financial - Global Atlantic - Globe Life - John Hancock - Mutual of Omaha - Royal Neighbors of America - State Farm What’s The Difference Between Mortgage Protection Insurance And Private Mortgage Insurance? PMI, or private mortgage insurance, is similar to MPI in that it insures the ability to pay the mortgage. Otherwise, they are vastly different. The main difference is that PMI can be required by the lender. This type of policy is required on most loans if the home buyer uses a down payment of less than the standard 20%. MPI insurance can be canceled at any time, but PMI insurance can only be canceled once the equity in the home reaches 20% or higher. MPI on the other hand is completely optional and is not determined on the amount of equity in a home. Rather, an MPI policy is based on the balance of the mortgage. Is Mortgage Protection Insurance A Good Idea? If there is any concern that you or a loved one may become unable to afford their mortgage payments, then a MPI policy can be an affordable reassurance. Since MPI proceeds are paid directly to the lender, the policy can be effective for ensuring the funds are used properly and for good use. It is important for homebuyers to compare income and assets to any debts they might have to determine if they’ll need this type of coverage. Using the MPI calculator can help you determine if a policy is right for you. Where Can I Get Mortgage Life Insurance? MPI can be purchased in any of the following states: - New Hampshire - New Jersey - New Mexico - New York - North Carolina - North Dakota - Rhode Island - South Carolina - South Dakota - West Virginia

https://mortgageprotectionreviews.com/mortgage-protection-insurance/

Blu Venture Investors, a primary source venture capital firm, today announced the launch of the BVI Cyber Fund, a $25M fund targeted at Series A growth companies in cybersecurity. This fund builds on the success and momentum Blu Ventures has established in supporting the cybersecurity ecosystem in the Mid-Atlantic region and beyond. “With over 800 cybersecurity firms in the Washington, D.C. region, Blu Ventures is seated at the center of the cyber/intelligence ecosystem,” said Michael Sutton, Investment Committee member and former CSO of Zscaler. “We are excited to continue helping fast-growing cyber companies scale and tackle the most difficult cybersecurity challenges facing commercial and government organizations today.” The timing of the BVI Cyber Fund comes at a pivotal time given the record-breaking increase in sophisticated breaches and cyberattacks and President Biden’s May 12, 2021 Executive Order on Improving the Nation’s Cybersecurity. Blu Ventures has and will continue to invest in forward-looking cybersecurity technologies within core areas that include Endpoint Detection & Response, Data Storage; Web & Cloud; Messaging; Network; Industrial & Internet of Things (IoT); Threat Intel; Mobile; Fraud Protection & Transaction; Risk, Compliance & Training; Specialized Threat Analysis & Protection and Security Ops & Incident Response. About Blu Venture Investors Founded in 2010, Blu Ventures has deployed $85MM in capital to date in early-stage cyber and enterprise software firms. Currently, the firm is invested in 35 cyber companies to include ID.me, Cybrary, Huntress Labs, Ostendio and Threat Quotient. As a primary source venture capital firm, Blu’s principals bring expertise across a variety of industries and an investment perspective closely aligned with entrepreneurs. For more information, visit https://bluventureinvestors.com. Blu Ventures Contact:

https://news.ucwe.com/2021/05/21/blu-ventures-doubles-down-on-cybersecurity-strategy/

If you own a Toyota FJ Cruiser or plan to buy one soon, you might be wondering how much it costs to insure this iconic off-road vehicle in the Philippines. You might also be curious about the different types of car insurance available for your FJ Cruiser and how to get the best coverage at the lowest price. In this article, we will answer all your questions and provide you with a comprehensive guide on Toyota FJ Cruiser car insurance in the Philippines. Whether you are a new or existing car owner, this article will help you understand the importance of having car insurance and how to choose the right one for your needs. What is Toyota FJ Cruiser? Toyota FJ Cruiser is a retro-styled SUV that was first introduced in 2006 as a tribute to the legendary Toyota Land Cruiser FJ40. It features a rugged design, a powerful 4.0-liter V6 engine, a four-wheel-drive system, and a spacious interior that can accommodate up to five passengers. The Toyota FJ Cruiser is known for its excellent off-road performance and durability. It can handle various terrains and weather conditions with ease. It also offers a comfortable ride and modern amenities such as air conditioning, power windows, audio system, rearview camera, and more. The Toyota FJ Cruiser is one of the most popular SUVs in the Philippines because of its unique style, reliability, and versatility. It appeals to both adventure seekers and urban dwellers who want a vehicle that can handle any challenge. How Much is Toyota FJ Cruiser Car Insurance in the Philippines? The cost of car insurance for your Toyota FJ Cruiser depends on several factors such as: - The type of coverage you choose - The value of your vehicle - The age and condition of your vehicle - Your driving history and claims record - Your location and usage of your vehicle - The deductible or excess amount you agree to pay Generally speaking, there are two types of car insurance in the Philippines: compulsory third-party liability (CTPL) and comprehensive car insurance. CTPL is the minimum legal requirement for all car owners in the Philippines. It covers bodily injuries or death caused by your vehicle to third parties (such as pedestrians or other drivers) up to ₱100,000 per accident. However, it does not cover any damage to your own vehicle or property or any injuries to yourself or your passengers. Comprehensive car insurance provides more extensive coverage than CTPL. It covers accidental loss or damage to your own vehicle due to: - Accidental collision or overturning - Fire or lightning - Self ignition - Malicious acts by third parties It also covers legal liabilities for third parties in case of death or bodily injury or property damage. Additionally, it may include optional benefits such as: - Acts of nature (such as flood, earthquake, typhoon) - Personal accident (for yourself and/or passengers) - Roadside assistance (such as towing service) - Loss of use (reimbursement for alternative transportation) - Auto personal accident (coverage for items inside your vehicle) The price range for comprehensive car insurance in the Philippines is ₱8,000 to ₱30,000+ per year depending on the factors mentioned above. For example, the cheapest annual premium for a 2022 Toyota FJ Cruiser 4.0L Gas A/T with standard benefits is ₱34,155. However, this may vary depending on which insurance provider you choose and what additional benefits you add. To provide you with an estimate of the cost of comprehensive car insurance for the variants of the 2022 Toyota FJ Cruiser, we have compiled a list of updated prices from Philvex.com. You can refer to this list by adjusting the year filter to see how premiums may vary based on the year you select. |Toyota FJ Cruiser GR Sport 4000cc Gas A/T AWD SUV 5-Seater |₱28,263.76 - ₱30,437.90 As you can see from this table, the higher the value of your vehicle, the higher the premium you have to pay. However, this does not mean that you have to settle for the most expensive car insurance. There are ways to get the best car insurance at the lowest price for your Toyota FJ Cruiser. How to Get the Best Car Insurance at the Lowest Price? One of the best ways to get the best car insurance at the lowest price is to compare offers from different insurance providers online. By doing this, you can: - Save time and money by avoiding agents or brokers who may charge commissions or fees - Find the best coverage and benefits that suit your needs and budget - Get discounts and promos that are exclusive to online customers - Receive your e-policy within 1-3 business days after purchasing online There are many online platforms that allow you to compare car insurance quotes from various providers in the Philippines. One of them is Philvex.com, a comparison site that helps you find the best car insurance for your Toyota FJ Cruiser. PhilVex lets you customize your plan according to your preferences and needs. You can choose from different types of coverage, deductibles, and optional benefits. You can also see how much each option affects your premium and adjust accordingly. PhilVex makes buying car insurance online easy and convenient. You just need to fill out a simple form with some details about yourself and your vehicle. Then, you will receive multiple quotes from different providers that you can compare side by side. Once you find the best offer, you can pay securely online using various payment methods such as credit card, debit card, GCash, or bank transfer. You will then receive your e-policy via email within 1-3 business days. - Car insurance is important to protect yourself, your car, and others on the road. - Comprehensive and CTPL are the two main types of car insurance in the Philippines. - When buying car insurance, it's important to compare quotes and choose the policy that suits your needs and budget. - Online insurance providers and comparison sites like Philvex.com make it easier to buy car insurance. - To save money on your car insurance, consider shopping around, choosing a higher deductible, bundling your policies, and maintaining a good driving record. Having car insurance is a must for every car owner in the Philippines. It not only protects you and your car but also other people on the road. When buying car insurance, it's important to understand the different types of coverage available and choose the policy that suits your needs and budget. By comparing quotes and following the tips mentioned above, you can get the best car insurance at the lowest price. Remember to always drive safely and maintain a good driving record to enjoy the benefits of lower insurance premiums.

https://philvex.com/articles/car-features/car-insurance-cost-for-toyota-fj-cruiser-in-the-philippines

El Segundo Fire Chief Deena Lee Retires After 20 years of serving the public, El Segundo Fire Chief Deena Lee has officially announced her retirement. She was appointed to chief in October 2021 and became the first female fire chief in the South Bay. Chief Lee’s career in the public sector began in the City of La Habra Heights, where she was a volunteer firefighter over 20 years ago. In 2003, she officially became a firefighter at the El Segundo Fire Department and was promoted to fire captain just four years later. She was promoted in 2019 and became the first fire battalion chief in the South Bay region. Following that, she became the acting fire chief in July 2021 and was officially appointed to the position that October. Lee is also a highly certified firefighter with over 100 fire service certifications including Urban Search and Rescue, Chief Fire Officer, Firefighter I and II, and Fire Officer. In addition, she earned a bachelor's degree in fire science from Columbia Southern University and became an instructor at El Camino Fire Academy for over 17 years. Outside of fire service, Chief Lee made an emphasis to be active in the El Segundo community. She often volunteered at the El Segundo Library and presented to the local Boy and Girl Scouts. Lee was also a role model in the community, volunteering with the Women’s Fire Alliance, an organization dedicated to empowering women in the fire service. She furthered that by launching “Fired up? Girls Empowerment Camp” to inspire girls to begin a career in firefighting. To learn more about Chief Deena Lee’s retirement, click here. BOMA/GLA congratulates Chief Deena Lee on her long career and wishes her well in retirement. New Fire Chief Following the departure of Chief Deena Lee, the El Segundo City Council has appointed Robert Espinosa as interim fire chief. While Espinosa has been retired since October 2018, he comes with over 35 years of experience in fire service. In addition, he has served a combined ten years as fire chief at two different departments. Chief Espinosa will remain as interim chief of the El Segundo Fire Department until recruitment for a new one is completed or on November 15, 2023. Until then, keep up with BOMA on the Frontline for the latest news in the Greater Los Angeles area.

https://www.bomaonthefrontline.com/2023/05/05/el-segundo-fire-chief-deena-lee-retires/

Do I need Professional Liability Insurance as a Fire Sprinkler Contractor ? If you have good general liability insurance protection you might think you have enough. However, professional liability insurance (also called E&O or Errors and Omissions) is something totally different than general liability. It covers areas that general liability does not. What Is Professional Liability Insurance Or (E&O)? Called a specialty line in the insurance business, PLI is a type of insurance developed to protect businesses and professionals from financial loss that arises from their negligence. It is very popular among doctors, lawyers, architects, etc. Professionals like them and yourself are held to higher standards. The coverage consists of four major segments: - (E&O) Errors and Omissions - Claims against you for negligence - Awarded damages and defense costs - Services delivered by all staff, including temporary employees This article focuses on E&O insurance. Why Do I Need E&O? E&O is for those who consider themselves experts in a particular area, in your case, fire protection via sprinkler systems. The possibility exists that your work could fail to meet the expectations of a client. This could result in a professional liability claim or lawsuit. PLI is designed to protect you from the major financial impact that could occur as a result of such an allegation or lawsuit. Professional Liability Exposures Exposures inherent in professional occupations vary considerably. They are different for a surgeon, for example, than a fire sprinkler contractor. That’s why the underwriters examine a variety of factors in setting the premiums for each profession. They include location, company size, education, loss experience and operating standards. The policy covers defense costs which can be quite substantial even if no liability gets assigned to you. Professional Liability Insurers Because of all of the variables, professional liability policies vary greatly and are offered by a wide variety of insurers. Some are called surplus lines or specialty insurers. Whether you think you need professional liability insurance or not, you definitely need to have good general liability insurance. This insures you against claims made on your premises, or against your products and/or completed operations.

https://www.businessinsuranceusa.com/professional-liability-fire-sprinkler-installer

Insurance for Sporting Goods Stores Sporting goods stores are popular shopping spots for men, women and families who enjoy an active lifestyle. You may have started this business because of your own enjoyment of sports and physical activities. As the owner of the business you can enjoy your hobby and passion while also earning profits. Protect the investments you’ve made by making sure you have adequate levels of business insurance. General liability coverage is designed to create a very broad level of business insurance protection for your sporting goods store and its shoppers. General liability pays for damages and injuries when accidents happen or lawsuits arise. This insurance will expand as needed when your business grows. This means that when you add new products, services and store locations they will be automatically protected with coverage from day one. The most important areas that a general liability insurance policy provides you coverage for include: General Liability Insurance Includes: - Premises Liability – Having people go in and out of your sporting goods store each day is great for business. The more traffic you have the more potential sales you have. With more traffic however, comes an increased chance of accidents happening. If a person sustains injuries while at your store, or if their personal property is subjected to damages while they’re there, your premises liability can protect you from the potential lawsuits. This coverage pays for the medical bills that result from injuries and it pays for repairs to damaged property. - Products Liability – Regardless of how high the quality of products is that your store sells, there is always the chance that problems will arise at some point in the future. Manufacturing mistakes happen and other things can cause product recalls. If your customers are harmed due to products you sold to them, your products liability insurance can help pay for your legal defense costs. This coverage also pays for the customer’s medical bills and pays for judgments and settlements as applicable. - Completed Operations – Completed operations insurance protects you from lawsuits that arise after you have provided services for a customer. If, for example, your sporting goods store offers equipment cleaning services, harm can come to a person when those services are not rendered property. Rifle cleaning done badly for example, can cause the weapon to jam or cause injuries. If your customer sues your company for services you previously rendered to them, your completed operations coverage can help pay for your litigation expenses and pay for the settlements or awards. Business Owners Policy Business owners insurance is also known as a (BOP) and it automatically includes general liability coverage by default. Additionally, a BOP helps protect your business assets directly. It can be tailored to meet the individual needs of your company, and provides coverage for intangible business assets as well as physical ones, such as: - Buildings and Contents - Business Income and Extra Expense - Electronic Data - Newly Acquired or Constructed Buildings - Employee Dishonesty Coverage Business auto insurance protects your sporting goods store from suffering financial hardships that are caused by auto accidents. This coverage can pay for property damages or physical injuries that are caused in an accident. Varying levels of coverage offer protection from other hazards such as blown down tree limbs, theft or vandalism. Mandated by most state laws, workers comp insurance is meant to provide protection for your company employees. If one of your workers gets physically injured in an accident while performing his job duties, or if he becomes ill because of his job, this insurance will pay for the cost of his medical and recovery care bills. Umbrella insurance is an added level of insurance protection for your company. When you must make claims against one of your standard commercial insurance policies, your damages may exceed the total benefits available. When that happens, an umbrella policy can pay for the costs above and beyond those limitations.

https://www.businessinsuranceusa.com/sporting-good-store-business-insurance

- Business Insurance - Industries & Services - Group Benefits - Personal Insurance - Wealth Management Protect your property and everything in it. No two businesses are the same. Whether you own a large property, invest in real estate or lease a storefront, every business has a variety of physical assets such as buildings, inventory, computer equipment and tools which need to be protected from damage against fire, theft, vandalism or water. We will take the time to visit your property, evaluate your current policy and look for gaps to help you with cost savings assist you in finding a customized commercial property package that truly meets your needs. The standard wording in insurance policies does not always protect against the risks that are unique to your business. Our experts create specialized coverage plans based on your specific needs. We take the time to individually value the assets on your property. We provide you with choices so that you can select the most appropriate coverage for your needs. We help identify gaps in your coverage with regular inspections including analyzing how your staff, clients and visitors use your property and buildings in order to recommend appropriate liability coverage. Cowan is an expert in Canada’s commercial property insurance industry. No matter what type of business you own, we will create unique insurance coverage options so you can choose what fits your needs. Cowan has a specialized and comprehensive program for the specific insurance and risk management needs of self storage owners and operators. In addition to protecting your business and property. Finding the right insurance plan for your condominium corporation can be difficult, but maneuvering through all the needs and asks of the corporation, property managers, developers and unit owners doesn’t have to be confusing. Every business needs commercial insurance to protect employees, clients or customers, products, property and revenue against unforeseen loss, damage, injuries or lawsuits. Every organization has different bonding needs at different times. At Cowan, we offer professional advice to help you determine the best fit for you. Choosing the right combination of coverage and service for your employees today — and in the future — requires an independent experienced partner.

https://www.cowangroup.ca/home/business-insurance/property-insurance/

When you’ve been hurt, you need a Hughesville personal injury lawyer who is experienced with clients who have been injured in an accident due to no fault of their own. You may be entitled to financial compensation if you have been injured in an accident. We understand that it is possible for individuals who have sustained serious injuries to feel as if their quality of life has drastically changed. Our job is to fight for our clients to get them back on their feet. We want you to be able to move on with your life. Contact the Dorsey Law Firm today to get started today. Do I Need a Hughesville Personal Injury Lawyer? A knowledgeable Hughesville personal injury lawyer has experience with injuries sustained on the road, on the job, or on another person’s property. You cannot afford to proceed without a knowledgeable Lexington Park personal injury lawyer on your side. The Dorsey Law Firm will do everything in our power to provide our clients with peace of mind that their legal issues are in good hands. We take pride in our practice and the services it provides for our clients. Our Legal Services Our Hughesville personal injury lawyers handle a wide array of personal injury claims, including the following: - Auto Accidents - Slip and Fall Accidents - Construction Accidents - Work Injuries - Defective Product Accidents - Dog Bite Injuries - Medical Malpractice Cases - Workers’ Compensation Cases - Social Security Disability - Wrongful Death Hughesville Auto Accident Lawyer Auto accidents can cause life-changing injuries that our legal team is ready to fight for. Some of the auto accident cases that our firm handles are as follows: - Boat Accidents - Bus Accidents - Car Accidents - Motorcycle Accidents - Pedestrian Accidents - Truck Accidents Hughesville Slip and Fall Lawyer Accidents can occur anywhere. If you have sustained an injury on someone else’s property due to unsafe conditions, we are here to help. We are also experienced in recovering compensation for being injured in a slip and fall accident. The following slip and fall accidents are handled by our firm: Contact The Dorsey Law Firm Our team at the Dorsey Law Firm is confident in our ability to provide for our clients. You can depend on our knowledgeable team to fight for financial compensation. We have handled many personal injury claims for years. We are ready to begin your claim process today. Contact our firm to schedule your free initial consultation.

https://www.dorseylaw.net/hughesville-personal-injury-lawyer/

Pakistan: Experts propose recommendations to protect civilians in cyberspace This discussion was held under the banner of the Diplomacy, Law and Policy (DLP) Forum which brings together academia, industry experts, lawmakers and policy professionals on topics intersecting with conflict and international humanitarian law, including cyber warfare, climate crisis and sexual violence among others. Fifteen participants including a government representative, researchers from law and policy institutions and academics joined the discussion in Islamabad. Multiple topics were covered across three sessions designed to leverage the combined knowledge of the participating experts. A position paper by the state of Pakistan acceding to the application of IHL to cyberspace was approved, while also calling for the "formulation of a legally binding instrument to promote responsible behaviour of states in cyberspace and to regulate the use of cyber and other digital technologies to ensure they will not be violating IHL". The Government of Pakistan has been very receptive to ICRC's efforts towards policy around cyber. The Ministry of IT & Telecom have welcomed the ICRC's feedback on the National Cyber Security Policy and the Ministry of Foreign Affairs put together Pakistan's position paper on the applicability of international law in cyber space, taking into consideration the ICRC's stance on the subject. Beginning with a presentation on applicable provisions of IHL, the first session focused on understanding Pakistan's current cyber security framework. Pakistan is particularly vulnerable to cyber threats and ranks at number 14 out of 18 states in the Asia-Pacific region on the Global Cyber Security Index from 2020. In July 2021, the Federal Cabinet approved Pakistan's first National Cyber Security Policy which was lauded as a step in the right direction. In response to criticism levied against this policy, particularly its inadequacy in addressing the issue of cyber military operations, Babur Sohail, Member Legal of the Ministry of IT & Telecom, said, "There is unclear demarcation of authority between the Ministry of IT and the Ministry of Defence, by which cyber security falls in the former's domain, while cyber warfare and defence fall in the latter's domain." The second session started with a presentation by ICRC legal adviser Fasya Addina and Mauro Vignati, adviser on new digital technologies of warfare from the ICRC's headquarters in Geneva. They spoke about the development of a digital emblem aiming to protect civilian data from cyber attacks by signifying that the data belongs to civilians rather than combatants. A second round of discussions followed on applicable domestic and international law to cyberspace. The participants agreed that consensus needs to be built among all states as to the applicability of IHL on cyberspace. This can only be done when they have agreed on several unresolved issues and definitions of terms hence the need for a convention for international cooperation was highlighted by the participants. The round table concluded with recommendations for improving Pakistan's cyber security and cyber defence capabilities. Emphasis was given to prioritize data protection of individuals through monitoring and enforcement of domestic legislation and cyber security regulations for private organizations. There was also consensus on the need of improving digital literacy across Pakistan so that individuals can protect their own data and make informed choices in the digital world. Other recommendations included: - encouraging public-private partnerships in developing cyber security standards to bridge the gap between technical expertise and law and policy making - developing information sharing infrastructure to facilitate international cooperation in cross-border cases of cyber crimes - creating auditing and compliance frameworks for private entities - creating accreditation standards to check the integrity of digital products - developing a standard of accountability and liability - creating Computer Emergency Response Teams (CERTs) to efficiently respond to cyber warfare with clear authority.

https://www.icrc.org/en/document/pakistan-roundtable-ihl-cyber-security

Most people anticipate a straightforward process for resolving the consequences of an Alabama car crash. They have insurance coverage, and they know that every other driver should too, so they expect to simply make a claim for what they need and get the money they deserve to pay for vehicle repairs and medical bills. That is sadly not the experience that many people have. A significant number of car crashes in Alabama eventually lead to personal injury lawsuits against the driver at fault for the crash or a third party that is totally or partially to blame for the collision. These are two of the most common reasons that those who’ve been harmed in Alabama car crashes pursue personal injury lawsuits. The other driver didn’t maintain insurance coverage Although it is a legal requirement to insure a vehicle, drivers are also supposed to stop at red lights and abide by the speed limit posted on any stretch of road. A large percentage of motorists break at least a few traffic laws each week, and some of them knowingly drive without insurance. If someone ends up hurt in a crash caused by someone without liability coverage, the only means of recovering their losses may actually be a lawsuit against the driver who caused the wreck. A victim has sustained catastrophic injuries A spinal cord injury, brain injury or fatality will likely leave someone or their surviving family members with far more expenses than they can expect insurance to cover. Of course, the amount of coverage available is at the discretion of the drivers involved in the crash, as what they pay for insurance is based on their own financial circumstances. The law in Alabama only requires $25,000 of liability coverage for property damage. When it comes to bodily injury coverage, the amount available depends on the number of people affected. The lowest coverage amounts permissible are $25,000 of coverage in a crash where one person gets hurt and $50,000 of coverage when two or more people have injuries after a collision. For those with significant injuries, even $50,000 of coverage might not be enough to pay for their treatments or replace their lost wages. Those who cannot cover their expenses from a crash through liability insurance coverage may eventually determine that their best option involves filing a lawsuit against the person or business at fault for the wreck. Learning why other people ask for compensation from the courts after a car crash might help someone feel more confident in pursuing compensation in this way after a collision.

https://www.maloney-lyons.com/blog/2023/07/2-reasons-car-crashes-inspire-personal-injury-lawsuits/

Do's and Don'ts of Health Insurance Policies Oct 09 202115661 Views Finding and purchasing health insurance plans can be a tricky matter if you are unaware of what goes into it. In our second podcast of the financial vaccination series, Mahavir Chopra, founder and CEO of Beshak.org, informs on some of the simple do's and don'ts when buying, renewing and filing claims on a health insurance policy. As a product that covers your medical expenses, health insurance is crucial and a must. Some policies also offer you the benefit of covering preventive care, but not all policies cover 100% of your costs. Mahavir Chopra breaks down the jargon and evaluates the fine print you need to consider when looking into health plans. Let's look at the list of do's and don'ts he offers. List of Do's - Look for adequate coverage. When you buy a health plan, aim for coverage covering expenses after you cross 50 or 60 years. Remember not to purchase coverage that is applicable to your current age, but rather a coverage amount that could apply to your old age. - Check for financial limitations. An ideal must be free from significant restrictions in terms of coverage scope. For example, look for a policy with no cap on room rent or a specific kind of surgery/treatment. - Be aware of all exclusions. Look for temporary and permanent exclusions and get a detailed understanding of the policy. Request your insurance agent to provide you with a thorough understanding of what is excluded in the policy or request the insurer to offer you precise details. - Offer clarity on existing conditions. Remember to be open when and offer all information as required by the insurer. Being honest about your health offers your insurer an insight into your risk and profile to recommend an ideal premium pricing. If the insurer is kept in the dark about any health conditions, it may be not easy to file a claim and could negatively impact your policy in the future. - Find out about medical tests. Most insurers offer preventable medical check-ups for free as an annual service for adult members of the family. Evaluate the health insurance plan based on whether the company is offering you a free medical check-up. Medical check-ups required for investigation purposes consists of two subcategories: - Leading to hospitalization - A health insurance plan typically covers this test that diagnoses a particular health condition. - Do not require hospitalization - The outcome of these tests that can be treated with medication may not be covered by the plan. - Check for cost-benefit analysis. When evaluating coverage, conduct fundamental cost-benefit research—understand if the coverage for medical expenses is adequate for the policy premium you would have to pay. If the analysis is beneficial to you, it can be a good idea to go for the plan. - Learn more about co-payment clauses. There are two reasons why an insurance provider adds a co-payment clause. One is to make the premium more affordable, and the other could be to ensure that there are controls over the claims. Typically, a customer opting for the co-payment clause means being on a financial partnership with an insurance company whenever there is a claim. Go for a policy without a co-payment clause or with a lesser co-payment to reduce your out-of-pocket expenses. - Examine if all family members are covered. At the time of restoring your policy, add any new family member to the plan. - Review the coverage. You may want to upgrade the coverage to keep up with the times by buying additional coverage on the same plan or purchasing a super top-up. You could consider extension policy from the same insurer or another insurance provider. - Understand portability. If you are looking to move to another insurer, you could opt for portability. This means you could move to a new health insurance plan offered by another insurance provider that includes all existing policy benefits into the new one. List of Don'ts - Don't hide any information from your health insurance provider. An insurer is in the business of paying claims. They minutely look into any discrepancies that could hamper your policy if undisclosed when buying the policy. - Don't delay renewing your insurance. An annual policy that needs to be renewed every year must not be missed. Generally, you may be provided with a grace period after the policy renewal date to renew the policy. If you fail to revive the policy after the grace period, all benefits would be lost, and the policy could lapse. Choose the Right Plan with the Right Coverage Choose the right plan that makes sense for you and your family. Look for a reputable insurance agent who puts your needs first and avoids conflicts of interest to help you navigate the buying journey and offer you unbiased advice. Investing a little time to know more can help you choose the right type of health insurance for your needs.

https://www.manipalcigna.com/podcast/financial-vaccination/do-s-and-don-ts-of-health-insurance-policies?p_p_id=com_liferay_blogs_web_portlet_BlogsPortlet&p_p_lifecycle=0&p_p_state=normal&p_p_mode=view&_com_liferay_blogs_web_portlet_BlogsPortlet_delta=20&p_r_p_resetCur=false&_com_liferay_blogs_web_portlet_BlogsPortlet_cur=17

The AAA Washington Insurance Agency is pleased to announce the expansion of services to the Tri-Cities through the acquisition of the Monteith Insurance Agency and its team of very experienced insurance professionals. AAA is excited to collaborate with an insurance agency who also puts customers first, finding clients the best coverage for a fair price. “We are very excited to be able to acquire a proven and reliable agency like Monteith Insurance,” said Pat McCormick, Vice President of Insurance for AAA Washington. “Given Mark’s long-term commitment to the greater Tri-Cities region, through the combined talents of AAA and Monteith, we will expand products and services for our current and future members and customers.” Nearly 23 years ago, the Monteith Insurance Agency began building the reputation of making every client interaction a satisfying one. Owner Mark Monteith founded the business to educate clients about their insurance needs, provide them with the best coverage for a fair price and have them leave knowing he and his agents care about them. Monteith Insurance Agency made a name for itself creating a list of insurance policies customized for specific local industries including farms and livestock operations. All of the Monteith Insurance agents will continue to work for the AAA Washington Insurance Agency – Tri-Cities (8518 W Gage Blvd #1, Kennewick) with Mark Monteith staying on as the location manager. Monteith describes the change as a new opportunity exciting both he and the entire staff. “AAA Washington will allow us to continue meeting the insurance needs of our current clients, providing them with exceptional service and a lot of products from which to choose,” said Monteith. “Personally, I look forward to assisting in the expansion of AAA’s footprint in Eastern Washington.” The AAA Washington Insurance Agency offers all personal lines of insurance (home, auto, life) plus long-term care planning, annuities and business insurance. You do not need to be a AAA member to purchase these policies. However, Monteith clients who are also AAA members can now receive a discount on their auto insurance from AAA’s carrier partners including Safeco, Progressive, MetLife and Mutual of Enumclaw. Note: As an insurance-only AAA office, this location does not provide travel services. Due to COVID-19, the AAA Tri-Cities store remains closed, but you can reach one of our expert travel agents by calling 509-737-6816. Most of AAA’s services, including emergency roadside assistance, are available online at AAA.com or on-the-go using the Auto Club App. Email your press release and a photo to Austin Regimbal, Marketing & Communications Director. Press releases are posted in their entirety. This is a free benefit for members of the Tri-City Regional Chamber.

https://www.tricityregionalchamber.com/member-news/aaa-washington-insurance-agency-opens-kennewick-location

Do I require car insurance? Most people ask themselves this question, particularly if they have been paying insurance premiums for a long time without filing any claims. These individuals start to perceive themselves as safe drivers who do not need car insurance and view it as a yearly annoyance and financial burden that they would much prefer to avoid. But the truth is that one can never foretell when anything terrible might happen. After an injury, knowledgeable personal injury lawyers can thoroughly explain your choices. Even if you drive safely, there is no guarantee that others will, and driving without vehicle insurance can have serious repercussions if you are in an accident. Why, then, do you need car insurance? Let’s investigate. Why is Car Insurance Necessary? Car insurance covers damages: It is common knowledge that car mobiles are relatively pricey. Without car insurance, you would be responsible for paying for repairs if you are involved in an accident caused by the reckless driving of a third party and your car is damaged. Your vehicle is protected by car insurance from a variety of damages, including the cost of fixing a cracked windshield or significant mechanical repairs as a result of an accident, among other things. If you have insurance, your insurance company will pay the repair expenses for significant damages in the event of an accident. Having car insurance lowers your financial and legal obligations: The Motor Vehicle Act of 1988 mandates that all Indian drivers obtain a basic third-party liability insurance policy. This policy provides defense against monetary and legal responsibilities if you are at fault for an accident that damages a third party’s car or other property or injures a third party person. In this situation, your insurance company will handle all financial obligations for the injured party’s medical care and will shield you from any associated legal ramifications. Your car insurance also covers your therapy: You are also protected by your insurance policy if you also need hospitalization, which is another response to the question of whether you need car insurance. Imagine that you are in an accident and sustaining significant injuries like a fracture. Now, in this situation, you would need treatment that might go on for days. You won’t have to worry about these hospitalizations and medical costs if you have a current car insurance policy because the insurance companies will cover them. Difference Between Bodily Injury and Personal Injury Car Insurance You might be obliged to carry bodily harm liability insurance as part of your motor insurance. If you caused an accident, this coverage might be able to pay the victim’s damages. Drivers must have a minimum of $25,000 in bodily insurance coverage in New York if they are at fault for an accident. Death may be covered under physical injury insurance. Contrarily, personal injury is a legal action involving instances of negligence. One may be regarded negligent if they don’t use the same caution as a reasonably prudent person would in the same situation. A victim of an injury may be entitled to sue the person or entity that caused it for damages for their injuries, lost wages, pain and suffering, and other damages. The amount of applicable coverage that the defendant may have under a bodily injury policy is not a restriction on the damages that can be awarded in a personal injury lawsuit by a personal injury lawyer. What is Covered under Bodily Injury Liability? These cover hospital bills, ongoing care charges, and emergency care services. Legal Costs and Representation: If the other person chooses to sue you, your bodily injury liability insurance may help defray the expense of your defense and any related court costs. Loss of Income: Bodily injury liability insurance can assist in paying benefits for time missed from work owing to accident-related reasons if the injured parties are forced to miss work or cannot execute their job duties because of their wounds or continuous medical care. Agony and Suffering: When there is emotional distress or protracted pain following an accident, claims may occasionally involve money. Should an accident result in a fatality, bodily injury liability coverage will assist in covering any related funeral expenses. Settlement in a Personal Injury Case Although the facts of the case will have a significant impact on the amount of compensation awarded in a personal injury lawyer, victims of personal injuries may generally be eligible for the following damages: - medical expenses - future medical expenses are projected to cost - Lost wages or a diminished capacity to generate income - damage to property - Distress and suffering - diminished happiness of life You might be eligible for compensation in a wrongful death claim if you lost a family member as a result of injuries brought on by someone else’s carelessness. Different types of damages may be recoverable by the surviving family in wrongful death proceedings. Damages in Civil Claims Are Related to Personal Injury All states permit accident victims to seek financial compensation from the party at fault to pay for their damages. You must demonstrate that you have incurred costs due to this otherwise avoidable situation to do this. Your account of the events must be supported by pertinent evidence. It would be best if you kept the following in mind as you get ready to make your claim: - any images or videos of the incident - The police report or any other documentation used by law enforcement - medical information from examinations relating to injuries - Proof of wages lost for any time missed at work due to the accident - Records of every conversation you had with the insurance company - receipts putting a dollar amount on property damage - What Is Covered by a Claim for Physical Injury? - Any medical costs related to your injuries that you submit to your bodily injury insurance provider will be included in a claim for bodily injury. This may consist of expenses for your personal damages or expenses for the injuries of any other individuals involved in the accident, depending on the rules of your state. Your PIP insurance or additional coverage might provide coverage for these claims.

https://alphahealthlife.com/what-is-the-difference-between-bodily-injury-and-personal-injury-car-insurance/

Premium estimates – this is a topic that often gets overlooked in the excitement of purchasing insurance policies. Picture this: you’ve found the perfect insurance plan, it ticks all the boxes, and you’re ready to seal the deal. But wait! Have you considered the importance of getting a premium estimate? It’s a step you don’t want to skip. You might not know that many insurance buyers regret not getting a premium estimate before purchasing their policies. They realize later on that they could have landed a better deal or received more comprehensive coverage had they taken the time to crunch some numbers beforehand. Indeed, the concept of getting a premium estimate might sound a bit tedious. After all, you just want to secure coverage for your vehicle, whether it’s your car or bike. But here’s the thing: insurance premiums can vary significantly based on multiple factors. Neglecting to obtain a premium estimate could mean you end up paying more than necessary or, worse yet, finding out that your policy doesn’t adequately cover your needs when the time comes to file a claim. This is where an IDV calculator can make your life a whole lot easier. The Insured Declared Value, as you might know, is a critical element in motor insurance policies. It determines the maximum amount you can claim in case of theft, total loss, or irreparable damage to your vehicle. By entering essential details such as your vehicle’s make, model, age, and geographical location, the IDV value calculator crunches the numbers and spits out an estimate of your premium. This simple yet powerful tool ensures that you don’t end up overpaying for your vehicle insurance, as the premium is directly linked to the IDV. Besides this, a vehicle IDV calculator doesn’t just prevent you from overpaying. It also helps you avoid the opposite pitfall: underinsurance. By providing you with an accurate estimate, the calculator ensures that you choose a policy that adequately covers the value of your vehicle. Interesting Read: Motor Insurance: Features, Types, Benefits, and More There’s a lot more about an online IDV calculator in India than you might already know. Let us help you understand it better. What is an IDV Calculator? An IDV calculator is a tool designed to help policy buyers like you estimate the appropriate value of their insured vehicle – a car, bike, or even commercial vehicle. It plays a crucial role in determining the maximum amount an insurer will pay out in the event of theft, total loss, or irreparable damage to your vehicle. Here’s how an IDV calculator can benefit you: Accurate vehicle valuation The IDV calculator takes into account various factors such as the make, model, age, and condition of the insured vehicle to determine its current market value. By providing a more accurate valuation, it ensures that you neither overpay nor under-insure your vehicle. This means you’ll have the right level of coverage without paying more than necessary. A significant benefit of using an IDV value calculator is cost savings. When you have an accurate estimate of your vehicle’s value, you can choose an insurance policy with a premium that aligns with that value. This prevents you from overpaying for your insurance coverage. This way, you can potentially save a significant amount of money in the long run. Adequate insurance coverage On the flip side, a vehicle IDV calculator can help you avoid underinsurance. This occurs when the insured value of the vehicle is lower than its actual worth. In such cases, if a claim arises, the insurer will only compensate you up to the insured value, leaving you to bear the remaining expenses. By using an online IDV calculator, you can ensure that you select a policy that provides adequate coverage, thus safeguarding you against financial losses in the event of damage or theft. An IDV calculator also allows you to compare premiums from different insurance providers based on the calculated insured value. This empowers you to make an informed decision by evaluating the coverage options and associated costs from multiple insurers. By comparing quotes, you can find the most suitable policy that offers the right balance of coverage and affordability. Detailed research based on calculating premium estimates using an online calculator will help you gain transparency into the insurance premium calculation process. You will get to understand how the insured value directly affects the premium amount. This transparency boosts your confidence as a policy buyer and gives you a clear understanding of the coverage you select and the corresponding cost. Disclaimer: The estimation of the premium amount provided by an IDV calculator is an approximation based on the information provided. The actual premium may vary depending on various factors, including the insurance provider’s specific pricing policies, the policyholder’s personal details, and additional coverage options chosen. How Does an IDV Calculator Work? An IDV calculator works by taking into account various factors related to the insured vehicle to determine its current market value. Here’s a breakdown of its working: - First, you need to provide specific details about the insured vehicle. This typically includes information such as the make, model, variant, manufacturing year, and registration details. These details help establish the baseline information for the calculation. - Depreciation is a significant factor in determining the current value of a vehicle. Every calculator considers the age of the vehicle and applies a depreciation rate to calculate its present value. The rate of depreciation may vary depending on the age of the vehicle. Generally, newer vehicles experience lower depreciation rates compared to older ones. - It also takes into account the prevailing market conditions, the current value of the make and model of the insured vehicle, and factors such as demand, supply, and market trends to arrive at an estimated market value. - If the insured vehicle has any additional accessories or modifications, the IDV calculator may account for their value as well. These could include alloy wheels, music systems, GPS devices, or any other enhancements made to the vehicle. - Once all the necessary details are entered, the calculator uses a predetermined formula or algorithm to calculate the vehicle’s Insured Declared Value. This value represents the approximate market value of the vehicle at the time of insurance purchase. - The calculated IDV is then used to determine the insurance premium amount. The premium is typically a percentage of the IDV, with rates varying based on factors such as the type of vehicle, coverage options, and the insurer’s pricing policies. It’s important to note that different insurance providers may use slightly different variations of the IDV calculator, but the underlying principle remains the same. The goal is to provide a fair estimate of the vehicle’s value to ensure appropriate coverage and fair premiums. How to Use an IDV Calculator in India? Using an IDV calculator in India is quite easy with the following steps: Step 1: Gather your vehicle details For premium estimation, you’ll need information like the make, model, variant, manufacturing year, and registration details of your vehicle – both car and bike. Make sure you have these handy. Step 2: Find an IDV calculator You can find several calculators easily on official insurance company websites and third-party insurance portals. A quick online search will lead you to several options. Pick one that suits your fancy or offers a user-friendly interface. A possible way is to select the IDV calculator on the chosen insurer’s website. Step 3: Input the vehicle details It’s time to get interactive with the calculator. Start by entering the details of your vehicle. You know the drill – make, model, variant, manufacturing year, registration details, or any other field the calculator may have. Just type them in and hit that ‘Calculate’ button. Step 4: Cross your fingers The vehicle IDV calculator will then work its digital magic. It will analyze your vehicle details, consider depreciation, and evaluate the current market value. This is where you need to wait for the results to pop up on your screen. Step 5: Analyze the results You then have an estimated IDV for your vehicle. Take a moment to absorb the information. Look at the calculated value and let it sink in. This is the approximate market value that will determine your insurance coverage and premiums. Step 6: Compare and make an informed decision With the estimated IDV in hand, you can proceed with comparing it with quotes from different insurance providers. Evaluate the coverage options, additional benefits, and the premiums asked for. This will help you make an informed decision and choose the insurance policy that fits your needs and budget. 7 Factors That Determine IDV Calculation Here are seven key factors that determine the IDV calculation process: |Age of your vehicle |As a general rule, the IDV decreases with the age of the vehicle due to depreciation. |Make, model, and variant |Different vehicle models and variants have different market values, which affect the IDV calculation. |The year of manufacture influences the IDV. Older vehicles generally have a lower IDV due to higher depreciation. |The registration details of the vehicle, including the location, can affect the IDV calculation. Different regions may have different market values for the same vehicle. |If the insured vehicle has additional accessories or modifications, their value may be considered when calculating the IDV. |Prevailing market conditions, such as demand, supply, and market trends, play a role in determining the IDV. |Chosen insurance provider’s policies |Each insurance provider may have its own approach to IDV calculation. The insurer’s specific policies and algorithms for calculating IDV can influence the final value. Here, it is important to note that these factors are generally considered when calculating the IDV. However, the weightage assigned to each factor may vary among insurance providers. Advantages of Using an Online IDV Calculator Here are some of the advantages of using an online IDV calculator: You can instantly calculate the IDV from the comfort of your own home, anytime, anywhere. You can obtain a fair, up-to-date estimation of the IDV based on real-time market data. You can avoid overpaying for insurance premiums by getting a precise IDV calculation, which eventually helps you get the right coverage at the best price. You can easily compare quotes from different insurance providers based on the results of their respective IDV calculators to make an informed decision. You can gain transparency into the premium calculation process and understand how the IDV directly affects your insurance costs. Easy to avoid underinsurance You can ensure that your policy adequately covers the value of your asset, preventing potential losses in the event of damage or theft. You can skip the hassle of manual calculations and let the online IDV calculator do the work for you in seconds. What is an IDV calculator, and why should I use it? An IDV calculator is a tool that helps estimate the IDV of your vehicle, hence the name. Using it is crucial for determining the appropriate insurance coverage and ensures that you neither overpay nor under-insure your vehicle. How accurate is the result of an online IDV calculator? The IDV calculated by the calculators available online provides an estimation based on the information you provide. While it offers a good approximation, the final IDV may vary based on factors such as the insurer’s policies and the specific details of your vehicle. Can I trust the IDV calculated by an online calculator? Online IDV calculators use algorithms and market data to generate an estimated value. While they provide a reliable starting point, it’s always recommended to consult with an insurance provider or an insurance professional for a more accurate and personalized premium quote. Do all insurance providers use the same IDV calculation method? Different insurance providers may have variations in their IDV calculation methods. While the basic principles remain the same, factors such as depreciation rates, market trends, and internal algorithms can differ. Can an IDV calculator consider optional accessories or modifications? Some of these calculators allow you to input optional accessories or modifications made to your vehicle. These details can be factored into the calculation to provide a more accurate IDV estimation. Is the IDV calculator suitable for all types of vehicles? These calculators can be used for various types of vehicles, including cars, bikes, and commercial vehicles. However, the specific features and options available in the calculator may vary depending on the insurance provider or the calculator itself. Can I negotiate the IDV with the insurance provider? In some cases, you may be able to negotiate the IDV with the insurance provider based on unique circumstances or additional documentation, such as valuation certificates for vintage or rare vehicles. How to calculate the IDV of a car? To calculate the IDV in car insurance, follow these steps: - Determine the car’s current market value based on factors like make, model, variant, and age. - Consider the car’s depreciation rate, which varies depending on its age. Newer cars have lower depreciation rates compared to older ones. - Subtract the depreciation amount from the car’s market value to calculate the IDV. For example, if your car’s market value is ₹10,00,000 and the depreciation rate is 10% per year, and the car is 3 years old, the calculation would be: Market Value = ₹10,00,000 Depreciation (10% per year) = ₹10,00,000 × 3 years × 10% = ₹3,00,000 IDV = Market Value – Depreciation = ₹10,00,000 – ₹3,00,000 = ₹7,00,000 How to calculate the IDV of a bike? To calculate the IDV of your bike, you typically follow a similar approach mentioned above for calculating the IDV of a car.

https://bimabandhu.in/idv-calculator/

Since nothing in life is guaranteed, why assume that tomorrow is guaranteed? If your life ended tomorrow, would those that you love have the financial resources to cover the expenses associated with your passing? Read on for some valuable advice on finding and choosing the best life insurance policy. TIP! You should improve your overall health before signing up for a policy with a life insurance company. Obtaining a life insurance policy can be costly. Term policies, just as their name suggests, are limited as to how long they will stay in effect. Many people purchase term life insurance because of its lower cost. Keep in mind that a traditional policy is a real financial asset you can even borrow against. Term life insurance, on the other hand, only stays in effect while you are keeping up with the policy’s payments. TIP! If you engage in risky activity, either professionally or as a hobby, you’ll have to pay higher life insurance premiums. Consider giving up skydiving, bungee jumping and scuba diving, if you find that your rates are too high. A great way to ensure that you’re always getting the best life insurance policy, is to compare different packages and premiums. Different insurance providers can have prices varying in up to 50% of the cost, so be sure to comparison shop on the internet. Also, choose a policy whose price takes into account your medical history. TIP! If you have a high risk job or hobby, be up front about it. Although you’ll have to pay higher premiums if you engage in risky activities, it’s better to be honest with your insurance company. Work on improving your lifestyle and health before subscribing to a policy. Life insurance is not typically inexpensive. Poor health is a risk, causing life insurance to become much more expensive. If you put some effort into addressing your health problems, bad habits, etc. before you buy a policy, you can save money. Lose weight, eat better and do anything else you need to do to improve your overall health. This will decrease your costs dramatically. TIP! After you have purchased an insurance policy, talk to everyone who might be affected by it. In addition to the details of their benefit amounts, provide beneficiaries with information about where to find the policy documents and contact information for the policy’s representatives. Try to make sure that you disclose and job or hobby that might be high risk. Although you’ll have to pay higher premiums if you engage in risky activities, it’s better to be honest with your insurance company. If the company finds out that you’re engaging in these activities from someone other than you, you may lose your eligibility for coverage. Furthermore, not giving mandatory information can be deemed as fraud and could result in major fines. TIP! A life insurance policy is vital if you have anyone in your life who is dependent on you financially. If you drop dead one day, the life insurance will pay any large expenses you leave behind, such as a mortgage or your kids’ college education. Watch for any warning signs from an insurer when you are shopping for life insurance. Agents who complain about other companies or rating services should be not be considered, and should be totally avoided. When it is possible you should pay your premium yearly and not monthly. Avoiding monthly payment fees can reduce your costs on various levels. TIP! Don’t pay higher commissions when buying life insurance. These commissions just line your agent’s pockets and raise your premium. You want to avoid “guaranteed issue” insurance policies at all costs. These policies are targeted toward those who have pre-existing medical conditions. A medical exam is not required to obtain these types of policies. Be informed, however, guaranteed issue life insurance is considerably more expensive and offers only limited coverage. TIP! When dealing with life insurance brokers, you should watch out for brokers who pretend to know everything, including what is in your best interest. It may seem a bit unrealistic, but there are many brokers in this field that act smug and intelligent, while only out to take your money. Married couples can get a big discount with joint-life policies. If saving money is something you truly want to do then this is what you need to do. However, it is important to note that this type of policy does not offer a double payout, and the policy also ends completely with the death of only one party. TIP! If you’re married and are seeking a discount on life insurance, you should check out a joint-life insurance policy. Think about getting married to save money on your policy. To protect your investment, work with a respected, nationwide insurer that offers guarantees on all life insurance policies. Official ratings from insurance agencies exist; find out more about the company you are interested in and do not subscribe to decline a policy if their rating is not perfect. TIP! Both universal and whole life insurance policies can be costly and out of the reach of many families. These types of policies generally don’t have a term limit and allow you to build up capital. Don’t be tempted to purchase life insurance from fly-by-night companies. Insurance companies are not created equal and must be carefully assessed. Do your due diligence and research the companies that are firmly established, known for good investment strategies, and have a solid financial foundation. TIP! Before you begin searching for life insurance, figure out just what it is you need. If you do not know what you need, you can enroll in a plan that does not cover you or spend too much on something that you do not need. Be sure to fully understand what your needs are prior to beginning your search for life insurance. If you do not have a good understanding of the kind of coverage you need, you could end up spending money on an inadequate policy. When you do this, you can miss out on some of the best rates that are available to you. TIP! Be very thoughtful about choosing a new insurance agent. Perhaps you could go to an independent agent to consider your different options rather than going right away to a major company, for which your options will be vastly limited. Figure out exactly how much coverage you require before you purchase a life insurance policy. No one will know your needs better than you do. Refrain from being talked into purchasing more coverage than you need or want. Assess your situation, and be prepared to stand firm. TIP! Before you purchase a new life insurance policy, you should be certain how much you actually need. You are the expert when it comes to knowing the right amount of life insurance to buy. Do not just purchase a life insurance policy for no reason. First, you need to understand for what reasons you are buying it, and why you need it. Life insurance premiums will be lower if you start young and are healthy, so keep this in mind when deciding exactly when to think about purchasing it. TIP! Make sure that you have a purpose in mind for your life insurance. First, you need to understand for what reasons you are buying it, and why you need it. Life insurance is cheaper for healthy people. Prior to buying life insurance, work to make yourself as healthy as possible. Get a physical exam from your physician, give up smoking, drop some pounds if needed and generally get yourself healthy. Get yourself into shape so you can lower your monthly premium costs. TIP! If you are dubbed a high risk by insurance companies, shop around for rates. Don’t be turned off by one company stating a high price for coverage. When getting life insurance, be sure to know your family’s history. You may find that life insurance companies can offer lower rates if your family’s past does not include major genetic problems or diseases. They will also consider your personal history when determining your life insurance rate. When your history is good, your rates will be good, as well. TIP! These benefits allow the beneficiary to receive a significant part of the total payout before the insured person dies from the terminal illness. This can be very important, as end-of-life care for terminally-ill patients can be quite expensive. If you happen to be regarded as high risk for life insurance, make certain you shop around. There are many companies out there and life insurance is a competitive industry. Each company uses different methods to determine your quote. You may not be able to get coverage with one company, yet you may find an excellent policy at a good price with another. TIP! If you don’t have a spouse, significant other, or children, life insurance might be something you don’t even need. Life insurance exists to protect dependent children and spouses from a major financial hardship upon your death. Hire an agent that is trustworthy. This individual will be in charge of your policies, and will help the members of your family with their queries as well when you pass away. Trying to work with an agent who you do not trust or connect with makes the process of selecting a policy far more difficult than is appropriate. TIP! The coverage provided by life insurance policies exists on an enormous spectrum. Consider the policy size that works for you and your family. As acknowledged at this article’s outset, nothing in life is ever guaranteed. As hard as it is to acknowledge, you could in fact pass away tomorrow. The idea of leaving your partner and children without the financial means to live comfortably is unsettling to most. Now that you are better educated about life insurance, use this information to give your loved ones the protection that they deserve. TIP! Make sure you choose the most adapted coverage if you want to subscribe to term life insurance. The coverage term usually ranges from five to thirty years.

https://insurancepricequotes.org/2019/11/23/is-life-insurance-really-necessary-for-you/

You may think that your auto insurance bill is set in stone. Not necessarily. The good news? Your savings on coverage may just be getting started. The following four tips could help you get cheaper car insurance: - Install Safety and Security Devices - Dig for Discounts - Combine and Consolidate Policies - Opt for a Higher Deductible Install Safety & Security Devices While safety features like anti-lock brakes and air bags are now required by law in the U.S. for all new cars, be sure your insurer knows if your older car has such safety devices—it could save you some cash. Security devices may also help you cut your bill. GEICO offers a discount of up to 25 percent off the comprehensive portion of premiums to customers who install anti-theft alarm systems. Dig For Discounts Check out the variety of discounts you could be eligible for on GEICO’s discounts page. For instance, if you’re a member of one of the alumni, educational, professional and other organizations that work with GEICO, you could be eligible for a member discount. Completing a defensive driving course (or a driver’s education course for teens) could also make you eligible for premium reductions. GEICO is proud to offer discounts to Military members as well as federal employees. Call (800) 861-8380 to speak with an insurance representative about additional discounts you could be eligible for. Or, if you’re looking for a new policy, learn some tips to help you compare car insurance policies and see all of the great discounts you may be eligible for with GEICO. Combine & Consolidate Many households with more than one vehicle maintain separate insurance policies for each, but they may be missing out on a multi-car discount of up to 25% on most coverages. Move all your vehicles to GEICO and see how much more you could save. Depending on the state you live in, you could be eligible for a multi-policy/multi-line discount if you buy more than one type of coverage through the same insurer. Pairing auto and homeowners insurance is the most common scenario, but pairing auto insurance with renters, condo, or mobile home insurance could yield similar results. Get a fast, free quote on geico.com to see how much you could save on insurance for your home, too. Opt For A Higher Deductible Typically, the higher your deductible (the portion of your claim you pay out of pocket), the lower your insurance premium. Many people avoid having a high deductible because they worry that they wouldn’t be able to cover it if something happened. To put your mind at ease, try opening a separate savings account just for emergencies. Once you’ve saved enough to comfortably pay potential deductible costs, call or go online to geico.com or use GEICO’s award-winning mobile app to adjust your coverage. By Danielle Blundell Some discounts, coverages, payment plans and features are not available in all states or in all GEICO companies. GEICO contracts with various membership entities and other organizations, but these entities do not underwrite the offered insurance products. Discount amount varies in some states. One group discount applicable per policy. Coverage is individual. In New York a premium reduction may be available. GEICO may not be involved in a formal relationship with each organization; however, you still may qualify for a special discount based on your membership, employment or affiliation with those organizations. Homeowners, renters, condo and mobile home coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, Inc. The GEICO App and site received #1 rankings according to Keynote's 2018 Mobile Insurance Scorecard.

https://living.geico.com/saving/insurance-101/4-ways-to-save-on-car-insurance

About - Jain Insurance Agency Shopping for the right insurance policy can be difficult. Especially, with all the different insurance companies and policies available on the market it can feel like a full-time job. So, why not leave it to someone whose full-time expertise is to find the right insurance policy for you? Jain Insurance Agency has been a trusted independent insurance broker in St. Louis. Be it personal, auto, or business insurance, we got you covered. As independent insurance brokers in St. Louis, we have access to almost every insurance provider in the market. We have served hundreds of people with their insurance needs. Finding the right insurance might be tough amidst your busy life. Let’s simplify that for you by comparing the rates and providing the best offers to you. We have got you covered. Shop Multiple Providers We are a regarded St. Louis insurance brokers. Jain Insurance Agency is literally a pitstop for all your insurance requirements. We represent multiple providers for you to shop from and we provide the best insurance options for you based on your personal needs. Meet Priti Jain Priti is your friendly-neighborhood insurance hero. She has been a full-time, proud, and active member of the St. Louis community for more than a decade. Apart from that she is also one of the professional independent insurance agents in St. Louis. Priti specializes in auto, commercial, rental insurance, etc. Her approach to insurance is personalized. She sits down with her clients and explains everything in detail so that her clients get the most coverage and benefits. Priti understands the importance of insurance and she is committed to bringing it home to her fellow St. Louis residents. You can count on her to simplify insurance! Why Choose Jain Insurance Agency’s Insurance Brokers in St. Louis? Want Your Insurance Work Simplified? Get Insured With the best Insurance Brokers in St. Louis. Get a Free Quote. Request a Quote Call us old-fashioned, but we take our time with each client, understand their needs, and provide suitable plans and services for them.

https://thejainagency.com/

Love Your Independent Insurance Agent With Valentine’s Day coming up, love is in the air. With all the love swirling around, we wanted to share a few reasons why you should feel the love for your independent insurance agent this Valentine’s Day. Here are just a few reasons that your insurance agent is so lovable. They will help you save money. Insurance agents are also insurance customers. They get it. Every insurance agent has multiple policies; they shopped around for the best price, too. A good insurance agent won’t want you to be over-insured, spending more than you need to. When working with an independent agent, they will ask about your unique needs to shop for the best policy for you. They have numerous companies that can provide a unique quote for you. With their knowledge and training, they know exactly which policy will fit your needs. They are there for you when the going gets tough. When something goes wrong, your insurance agent will surely be there with a listening ear. They are there as you describe the details of what happened. Your agent can be a source of comfort to you during the struggle of recovering from an accident. Not only are they a source of comfort, but they are also the solution in times of trouble, providing you with the resources you need to get back to the place you were before the accident. They understand when you make mistakes. No one is perfect. Accidents happen. If you have been at fault in an accident, they won’t neglect you–they will help you through the claims process. They care about your safety. Your insurance agent wants you to be safe. It’s almost like they are family. They are constantly taking care of your insurance needs–keeping you protected from the storms in life. Behind the scenes, they are maintaining your policy; managing any policy updates and keeping up with your policy renewals to ensure you are consistently insured. At the time of renewal, an independent agent can even shop to see if there are any better options for you. The thought may not cross your mind. However, insurance agents are extremely helpful people that help make life easier, taking the financial burdens off our backs. Every day they are working in our favor so that we don’t have to. By: KayLynn P.

https://unioncolonyinsurance.net/love-your-independent-insurance-agent/

Insurance for rugby clubs The RFU automatically provides member clubs with insurance for various third-party claims Known as a Combined Liability policy, the RFU provides members with a selection of insurances, specifically designed to address the key third-party liability risks faced by a recreational rugby club (including the cost of legal fees). The RFU Community Game Liability insurance is provided to any club that is affiliated to the RFU, but does not include cover for Premiership, Championship, armed forces and services, schools or student clubs. The Combined Liability cover includes: Public Liability Insurance All individuals involved with your club, either as administrators, coaches, officials, referees or players, should do everything reasonable to ensure they do not cause injury or financial loss to anyone or damage to anyone's property. If their actions do cause injury, loss or damage and 'negligence' can be proved, they become legally liable to pay compensation. The RFU has arranged insurance protection with RSA for affiliated clubs (plus Constituent Bodies and Referee Societies) whose most senior XV plays at National 1 and below, or Women's Championship and below, in respect of the following: - Public/Products Liability - Professional Indemnity - Employers Liability - Directors and Officers Liability The Public Liability cover provides a limit of indemnity of £25m each and every claim, with an excess of £250 to be paid by your club in respect of property damage claims only, and embraces a wide range of activities, including social, fundraising and administrative activities. In addition, the cover includes: - Products Liability - £25m limit of indemnity, each and every claim and per policy year - Abuse cover - £15m limit of indemnity, each and every claim and per policy year - Legionellosis - £15m limit of indemnity, each and every claim and per policy year - Member to member cover Professional Indemnity insurance Cover is now included should a claim for compensation be made against you for financial loss allegedly caused by negligent errors or omissions in advice that you have provided. This includes defamation cover. This is a summary of the cover provided. For full details please refer to the cover schedule and policy wording. A copy of the policy wording is available on request. Cover has been arranged to protect clubs in respect of claims brought against them by employees who are injured in the course of their employment. This includes claims brought by volunteers, if the volunteer is working on behalf of the club and is injured as a result. The limit of indemnity is £10m each and every claim (£5m in respect of claims for terrorism). A copy of the policy wording is available on request. The RFU Affiliated Clubs' Employers Liability certificate can be found on the Policy & Document Hub. Directors and Officers Liability As a committee, board member or trustee of a club you have a personal liability for any claim that is made against you as a result of a breach of duty in that role. Examples of such a breach of duty could include: - Mismanagement of club finances - Breach of fire safety regulations - Corporate manslaughter For your protection, the RFU has arranged Directors and Officers Liability insurance to cover this personal liability, up to a maximum of £2m any one claim/per policy year. If you feel that your club requires an increased limit of cover, please get in touch to discuss your requirements. This is a summary of the cover provided. For full details please refer to the cover schedule and policy wording. A copy of the policy wording is available on request. What is covered? As well as training for and the playing of rugby, any social, fundraising or commercial venture, organised by your club will be covered, unless it involves an activity that is specifically excluded. If you are organising a larger event, you may need to refer to Howden for confirmation. Examples of events you need to speak to your Howden broker about include: - Any rugby match/festival where you are expecting more than 2,000 spectators - Age group representative match - County/divisional championship - Any social/commercial activity which the club is organising and which is likely to attract more than 1,000 participants - Music festival - Waterborne activities, such as boat/raft racing - Bonfire parties and fireworks if you are unable to comply with the insurer’s risk management guidance The importance of risk assessments If you are organising an event that requires a referral, Howden will be looking for a valid risk assessment, demonstrating you have thought about the associated hazards and have plans in place to ensure the activity takes place as safely as possible. Please note, if you are hiring out your facilities to a third party, your club is insured as the venue provider, as is the provision of any additional services, for example, the running of a bar by your members or staff. To protect your interests, when hiring out your facilities to third party organisations you should seek to receive confirmation that Public Liability Insurances are in place and establish who is responsible for completing Risk Assessments. Examples of social events that ARE COVERED - Fates, fayres - Quiz nights - Club house - Parties/discos etc - Car park rental - Family fun days - Temporary caravan site What is not covered? Any form of motorsport, flying/airborne sports and water sports involving the use of powered craft or specialist equipment Please note: these activities are only excluded if your club is arranging them. This exclusion would not apply if you are solely providing a venue for such activities (see above) Examples of events and activities that are NOT COVERED - Projectile sports and outdoor/adventurous activities - Flying / Gliding - Bungee jumping - Jet skiing - Scuba diving - White water rafting - Quad biking - Motor sport - Soap box derbies - Caving Potholing - Pony trekking - Donkey derby - Assault course - Survival training - Inflatables/bouncy castles

https://www.howdengroup.com/uk-en/england-rugby-insurance/clubs

Did you know that you can renew your car insurance online from the comfort of your home? Car insurance providers in India have been introducing various features that make managing car insurance simple. Customers can easily buy and renew their car insurance policies online. Not only that, customers can access different car insurance plans, compare the benefits, and decide on the best-suited policy. So, here is important advice on factors you can consider for car insurance policy renewal online. 7 Important Things To Consider For Car Insurance Renewal Online - Decide on the type of cover While a third-party four-wheeler insurance policy is mandatory by law, it is important to note that it does not cover damages incurred to your car. A comprehensive car insurance plan can help you cover third-party liabilities and own damages. Therefore, if you have purchased a third-party car insurance policy, you can enhance the coverage by opting for comprehensive coverage when you renew your car policy. You can analyse the features and needs to determine the affordable premium using a car insurance calculator and decide on a suitable coverage. - Choose the appropriate add-ons Add-on covers further enhance the coverage and provide added financial benefits in a specific scenario. For instance, roadside assistance assists you and your insured car if there is a breakdown in a remote location with the help of a team to refuel, tow or provide mechanical services. Therefore, if you become a frequent traveller going long distances over the previous year due to work or personal reasons, you can choose this add-on on your online renewal of car insurance. - Ensure to utilise the No Claim Bonus (NCB) No Claim Bonus is a benefit that reduces the premium by a certain percentage if you have not made any claims in the preceding year. Therefore, when you buy car insurance, avoid initiating a claim request for minor issues to benefit from the NCB and ensure to avail of the benefit during car policy renewal. - Provide the right Insured Declared Value (IDV) When you buy four-wheeler insurance, you will have to provide the right Insured Declared Value. IDV is the maximum possible sum assured you can receive from your insurer in the case of a complete loss. Furthermore, it depends on the prevailing market value considering the depreciation. A lower IDV means you pay a lesser premium, but the coverage may not be sufficient. On the other hand, a higher IDV refers to a higher premium and increased sum assured. Therefore, choosing the right IDV during car insurance policy renewal online is crucial. - Decide on the deductibles A deductible is the portion of the amount you pay for a car insurance claim before the insurer bears the remaining expenses. Some insurance providers have mandatory deductibles applicable to the insurance policy. On the other hand, some insurers offer voluntary deductibles to let you choose the amount you can contribute. If you choose a higher deductible during the car policy renewal, you can benefit from paying a lesser premium while ensuring the coverage. - Do the car insurance renewal yourself When you are approaching car insurance renewal, you might seek the help of an insurance agent. However, it is highly advisable to get it done yourself so that you can access the different options. You can also analyse the features of different car insurance policies without paying the commission charges. In addition, as insurers have been providing user-friendly online features, you can understand and get the online renewal of car insurance in simple and easy steps. - Timely renewal Renewing car insurance on time can help you benefit from the loss of coverage due to a policy lapse, receiving the applicable No Claim Bonus, and reduced premiums. Therefore, note your renewal time or use the notification provided by your insurer and renew it timely to keep the benefits intact. Car insurance renewal is a simple online process. You can do it yourself with the aid of online applications offered by your insurance provider. However, it would help if you considered certain factors, such as choosing the right IDV, car insurance type, add-on covers, etc., during the renewal process to ensure adequate coverage. While car policy renewal extends the coverage, it can also maximise the benefits if you get it right!

https://www.pickthebusiness.com/important-advice-for-online-car-insurance-renewal/

Get Better Quotes 35+ Real Experts- Trusted Virginia State law requires most employers to purchase workers' comp coverage to protect injured employees. Coverage provides an exclusive remedy for the employer. This means that employees can only typically only file a claim against the insurance policy rather than the employer. In return, employees get faster resolutions for claims. Employers who regularly employ more than two part or full-time employees are required to provide coverage. Coverage is mandatory and they are no waivers or exceptions. Contractors run a particular risk when they utilize sub-contractors to assist with their work. Sub-contractors must be counted as employees unless the employer can provide Proof of Workers' Comp Coverage for the subcontractor. Virginia Worker' Compensation Commission1000 DMV DriveRichmond, VA 23220877-664-2566 The mininimum limits for employers liabilty coverage under a workers' comp policy in VA is $100,000/$500,000,$100,000. Corporate Officers and LLC Members Family members working for the business Temporary, seasonal, and part-time employees Minors and undocumented workers Workers for churches, charities, and non-profits Employers and contractors who pay other sub-contractors using a form 1099 does not guarantee they will not be liable for coverage or claims. The 1099 employee designation is not important under VA workers' comp rules. If the facts around the working relationship demonstrate that employer control exists, an employee relationship is established. Sole-Proprietors With No Employees Sole-proprietors with no employees or sub-contractors are not required to purchase coverage. The may opt to voluntary obtain a policy. No exemption or waiver of coverage is needed for sole-proprietors. Workers' Compensation Rates are set each year by the VA Bureau of Insurance. However, Virginia also allows private insurance companies to offer additional discounts and credits on each policy. This means that rates can vary by insurer. The best way to obtain the best prices on coverage is to utilize a licensed insurance agency willing to negotiate better credits for your business, like Workers Compensation Shop.com. Virginia requires that all out-of-state employers doing work in the state have proper state coverage. The state requires the Virginia to the policy under Item 3a. This item and section lists the states where the business performs work and therefore insures coverage. If an insurance carrier is unwilling to add Virginia under Item 3a of the policy it generally means they are not licensed to provide coverage in the state. Employer will need a second policy from an insurance company licensed in VA, or they will need a carrier that can provide coverage for all necessary states. Virginia rules require that all insurance companies give an additional 5% policy discount for all Virginia employers who operate a drug-free workplace. Contact your insurance company to get the requirements and form needed to file for this discount. Create a quick and easy Drug Free Workplace Policy in less than 30 minutes. It's 100% free and provided by the U.S. Department of Labor. Virginia Employers who fail to purchase or maintain the proper workers' compensation insurance may be subject to civil penalties up to $250 for each day they are uninsured. The maximum penalty is $50,000. They may also be held liable for the cost of any claims that happen while uninsured. Repeat offenders may result in criminal prosecution and business revocation. The Virginia Workers Compensation Commission now offers a free coverage verification tool to assist individuals with verifying coverage for a business by name or Federal ID Number. The tool must be launched from a page on the Commission's website at www.vwc.state.va.us/. The link is on the left side under VWC Resources. The tool is called: Insurance Coverage Search. For additional information or questions about workers compensation insurance in Virginia, contact one of our workers' comp Specialists at 888-611-7467. To avoid lapse in coverage and consistent with prudent insurance practices, The state of Virginia “encourages” insurers to consider the following actions: relax premium due dates, extend premium payment grace period, waive late fees and penalties, and allow premium payment plans. Only cancel/nonrenew a policy after exhausting other reasonable efforts. Discretionary order in effect from 03/27/2020 until further notice. No current state orders. Specialized Programs for Select Industries We work with our national insurance partners to develop targeted programs with easier underwriting requirements and lower rates. We offer a broad range of business class codes that help streamline the quote process so you get the lowest price for coverage. Easy Workers' Comp Insurance Programs Save money and get better coverage faster. Pay As You Go Work Comp See how Pay As You Go coverage helps with cashflow. Coverage is mandatory in VA. NCCI is the State Rating Bureau. Private insurance carriers are allowed. Self-Insurance is permitted, if authorized. There is no State Fund in VA VA does not recognize State Reciprocity NCCI administers the Assigned Risk Program We write Assigned Risk coverage in VA. Let Workers Compensation Shop.com help your business navigate workers' comp insurance in Virginia. From ownership rules, class code reviews, to managing audits & claims, we've got your Our technology matches your business with insurance companies most likely to offer the best We leverage our experience and relationships to negotiate your lowest workers' comp rates. No carrier quotes every class code. That's why we've built a diverse group of great Employers liability insurance is an additional layer of coverage included as part of a workers' compensation insurance policy. Employers Liability is known as Part 2 of the policy. It adds two additional coverages for employers: Employers Legal Liability and Legal Defense Costs In today's world, there are a variety of reasons employees and third-parties sue employers for damages. Here a some common types covered by employers liability insurance: Third Party Lawsuits Your employee sues another party that may have contributed to the injury, In turn, the third party sues your Consequential Bodily Injury Another party or individual is injured while providing care for the injured employee. Dual Capacity Legal Action An employee files a claim but also attempts to sue the employer for being responsible in other ways outside of the employment relationship. Loss of Consortium A spouse sues for damages caused by the loss of companionship or relations. Employers Liability coverage is not included with coverage in the four monopolistic states. Employers in these states can endorse this coverage onto their General Liability policy. That coverage is commonly known as Stop Gap Get more information about workers' compensation in Virginia: Workers Compensation Info Workers Comp Programs National Broker Services

https://www.workerscompensationshop.com/insurance-states/virginia/information

The uses of sky lanterns or related devices are a violation of the Colorado Springs Fire Code and thus are not permitted to be used within Colorado Springs city limits. Sky lanterns (also known as Kongming lanterns, wish lanterns, Chinese lanterns, sky candles or aerial luminaries) are typically constructed of a paper shell on a lightweight frame which holds a fuel cell. Fuel cells are typically comprised of a small candle other waxy flammable materials. Sky lanterns resemble small hot air balloons. The fuel cell is lit and the resulting open flame fills the paper shell with hot air causing the lantern to rise into the air. These devices have been known to travel great distances from the point of release which poses a serious fire and safety hazard due to the potential of starting unintended fires in populated or unpopulated areas. Applicable Fire Code Sections: - §307.5 Attendance. Open burning, bonfires, recreational fires and use of portable outdoor fireplaces shall be constantly attended until the fire is extinguished. - Required constant attendance is not possible when sky lanterns are released into the air. - §308.1.2 Throwing or placing sources of ignition. No person shall throw or place or cause to be thrown or places, a lighted match, cigar, cigarette, matches or other flaming or glowing substance or object on any surface or article where it can cause an unwanted fire. - There is no way to ensure the lit fuel cell will not cause an unwanted fire when the sky lanterns are released into the air. - §308.1.5 Location near combustibles. Open flames such as from candles, lanterns, kerosene heaters and gas-fired heaters shall not be located on or near decorative material or similar combustible materials. - There is no way to ensure where sky lanterns will land and where or not they will land on combustible or non-combustible materials. - §308.1.6 Open-flame devices. Torches and other devices, machines or processes liable to start or cause fire shall not be operated or used in or upon wildfire risk areas, except by a permit in accordance with Section 105.6 secured from the fire code official. - There is no way to ensure that sky lanterns will not land in or on public and/or private wildland areas that have a significant wildfire risk potential. If you would like to distribute this information, please print the Sky Lanterns PDF

http://coloradosprings.gov/fire-department/page/sky-lanterns?mlid=31231

If you have started or have a business that is in the manufacturing or warehousing industry, you ought to get the relevant insurance covers to avoid any risks that may come your way. They may include property damage, losses, employee injuries, and liability lawsuits. Do extensive research to ensure that you tailor any of the latter risks and more. Start early since getting a reputable insurance company will take you time, mostly if you have never done it before. You certainly know that businesses are never a bed of roses; therefore, it is better to be safer than sorry. The points that follow show the essential insurances that are required in warehousing and manufacturing. Product Liability Insurance. The products you produce may land you in serious trouble if you neglect to cover them and later happen to be defective. If you discover that the design or worse yet, the product can harm or damage other people, for instance, you will be sued. What good is there if you overlook such details or even throw them under the bus? Therefore, scope a product liability insurance if you wish to evade lawsuits filed against your company due to a product’s malfunctions. Product liability may not be a legal requirement, but in manufacturing, it is significant because it will cost you loads of money if a claim is made against your business. The chances are that you will be held responsible for any defects and harm that the product may have caused to the client. Commercial Combined Cover. Most, if not all, factories handle numerous products after they have been manufactured. It is never easy to know what will fit all the commodities that you produce. That is where the insurance company comes in handy. They can advise you to pick this insurance cover since it caters to various wealth of trades across many industries. It is an umbrella that will save you a lot of time and money too. Can you imagine paying for all the products you produce separately? You will undoubtedly cough a fortune, unlike going for one package. As you research, you will come across this term; hence, do not brush it off. All you have to do is ensure that the package suits you and your business perfectly. It should include numerous policies and a liability cover, among others. Wholesalers whose focus is on their stock may go for this insurance cover since they will retain their money. Also, if you have manufacturing plants, you certainly understand how expensive they are, and ensuring that they are under the protection of this insurance cover is a great idea. Inland Marine Insurance. After the manufacturing process, the result is a finished product. It is vital to point out that the insurance coverage does not end in the factory but instead goes to the distribution centers. Inland marine insurance provides cover for shipped goods both locally and across the country, not to forget the property that houses them. Its primary concern is damaged goods in the sense that when there are accidents, and everything is damaged, this insurance only covers the value of the transit goods. Factory And Warehouse Insurance. The advantage of buying this insurance for your factory is that it is all-rounded, thus providing comprehensive coverage. It offers cover against monetary losses, which is caused by damaged goods, buildings, and machinery. Once you have been covered, you are guaranteed protection against theft and burglary, fire, natural calamities, and explosions alongside many others. Different types of policies lie in this insurance, and they include comprehensive cover, valued, specific, floating, and replacement and reinstatement policies. On the contrary, under this insurance policy, there are extra covers that entail fidelity cover, public liability, plate glass cover, and fire loss of profit, among others. You will enjoy this insurance policy since it covers numerous risks; hence, you will not have to stress. Note that factory and warehouse insurance excludes intentional damages, pollution, and radioactive contamination and wear and tear. If you are in wholesaling, manufacturing, distributing, supplying, and packaging businesses, you can buy it. Worker’s Compensation Insurance. If you are starting a business, you must acknowledge that your laborers have the right to be compensated if things go wrong, and they are hurt while in the factory or warehouse. You have to take charge and ensure that things do not get out of hand. Therefore you should add it to the business’ insurance policy immediately you have hired an employee. There is no need to waste time because accidents occur abruptly. A worker’s compensation insurance covers medical treatment, disability, and death benefits. Whether an employee is doing the bare minimum, ascertain that they have been covered. You do not want them to be injured, and you are left responsible for something you could have prevented earlier. Professional Liability Insurance. Erase the mentality of getting a one-size-fits-all insurance policy when it comes to professional liability. There is nothing of the sort since all industries have their concerns and standards that ought to be met suppose one is to do business in any of them. This insurance policy is also known as errors and omissions insurance. It prevents negligence in business hence ensures that all tasks are performed. Commercial Contents Insurance. Warehouses or factory premises require equipment and machine for things to run as smoothly. However, if they break down or are stolen, you will have to look for money to purchase or get them fixed if they are not insured. When you buy a content cover, you will have peace of mind since your machine will be replaced, although not in a snap. In turn, your business operations will resume normally. Besides that, commercial contents insurance can also cover things like work in progress and stock. This insurance is undoubtedly a vital part of a manufacturer’s insurance policy. Business Income Interruption Insurance. Natural calamities such as tornados can bring your business down since it is something that you have no control over. You will lose a lot of income and be forced to lay off the staff members because everything will be at a stand-still. Some manufactured products may end up going bad due to the time that will be taken for things to run as they should. In other circumstances, some may be destroyed to the point that they will be of no use. Machines and equipment may be damaged to the point that they cannot be revived and, worse yet, even recognized. However, if you buy this insurance cover, you will avoid excessive financial loss since it caters to catastrophic events. You must check with your insurer and get advice about the form of insurance your business requires since each company has different needs. The purpose of a business income interruption cover is to ensure that companies are fuelled with income while the repairs and replacements are taking cause. Warehouse Legal Liability Insurance. You may have come across that term or the other antonyms that include warehousemen’s legal liability insurance and warehouse operator’s legal liability insurance or maybe not. It is a special type of insurance that covers damage due to the facility’s maintenance issues, inventory loss, and gross negligence on the employees’ part. Any of the mentioned issues may affect the inventory, and when they do, your warehouse provider is to be held accountable. The purpose of this insurance is to ensure that the warehouse provider pays every dime for the damages or losses caused without a bargain. That being said, if you are assessing warehouses, please ask for a copy of the legal liability insurance certificate from the warehouse provider. You do not want to end up without an inventory and compensation to make any replacements whatsoever. Both the warehouse owner and the people on the ground should ensure that they take care of your goods. Note that policies vary from one warehouse to the other as much as each has claims that they cover. The latter include damage of property caused by a smoking employee in an area that is prohibited, careless handling of products which results in damage, the destruction caused by insufficient facility maintenance, and inventory damage. The warehouse provider should ensure that the employees do what they are hired for and well. Catastrophic events are, however, not covered in a warehouse legal liability insurance. If you have already invested in vehicles, you would be sorry if you failed to buy a vehicle insurance policy; this is nothing to think twice about. You may have seen or heard of many road accidents and would not dare work without insurance cover; furthermore, vehicles cannot operate without it. Therefore by the day, they are scheduled to work, you should ensure that they have been insured. That way, you will evade any liabilities when an accident occurs. Picking a comprehensive cover or insuring against a third-party injury at the very least should protect your vehicles in case of an accident. If you have numerous vehicles that employees use, buying a personal insurance cover will go a mile when an accident occurs. Warehouse Owner And Operator Insurance. Do not forget your workers and, worse yet, yourself while struggling to ensure that they are safe. Getting the right insurance should be a priority to a warehouse owner to avoid problems that may come along the way. As you get an insurance cover, consider the warehouse’s size since insurance companies are built to customize insurance covers to your liking. Insurable exposures of the public, commercial distribution warehouses, and logistic companies are offered special coverage for warehousing insurances. Many risks can occur in a warehouse while moving and transporting goods; hence, your workers ought to keep this in mind. Warehousing insurance includes management liability, stock in trade, glass breakage, cyber liability insurance, and property insurance. Equipment Breakdown Coverage. Machines can breakdown without an alarm, and if you have this coverage, you will be at peace since the damage is easily repairable or even replaceable if it is beyond repair. Working without significant machines will cause delays; however, an equipment breakdown coverage will even grant you a chance to rent one. That way, the business will not be interrupted if repair is taking a long time. Manufacturing and warehousing may require you to purchase a piece of land and build your business. It is essential to have the building insurance cover. However, some people may choose to take a rental, and that is alright. What you will do is confirm with the landlord or landlady the person responsible for ensuring that the commercial building cover of the property is available. Although saving yourself from paying any repair damages that are not your responsibility is good, it is not legally required. The above points show the vital insurances of warehousing and manufacturing. You must ensure that you seek a professional’s help if you are stuck since they are experienced and knowledgeable. So much may seem blurry to you, and keeping quiet about it will take you nowhere; hence, make inquiries. You must work with a reputable insurance company if you want to avoid getting disappointed in the end. Take time when looking for the ultimate one, and you will enjoy working with them. Choose an independent insurance agent because they will cater to your needs in the best way yet. Please do not overlook the policies that have been put in place: read them to the latter so that you may know what you are getting yourself into. Remember that the size of your business premises does not matter; get it insured regardless! The possibilities of catastrophic events to take place are unknown, and you undoubtedly want to be ready when you are caught off-guard with the relevant insurance policy. Note that there are no specific insurance costs since they all depend on the client’s needs, which differ from one person to the other. Do not be afraid to explore all the options you have because that is how you will end up with a good deal.

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A death insurance policy provides a lump sum payment to the beneficiaries upon your death. This can help your loved ones pay off mortgages, cover funeral expenses, and other bills. You may not be eligible to take out a policy if your age is under 70. There are a few exceptions. You must also be at least 15 years old. Regardless of your age, there is a policy for you. Amounts for accidental death (AD&D), are affordable and simple to obtain. There is no waiting period and there are no medical exams. Online applications are usually possible within a matter of days. Many policies are approved within 24 hours. However, AD&D is only available for accidental death. You may also want it if your children are young or you have debt. It can still be an option for supplementing your existing life insurance. Although accidental death insurance Pembroke Pines Florida can be compared to AD&D insurance it also pays benefits. ADB, also called double indemnity coverage, is often added to existing life insurance plans. For example, you can choose to have an accident-related death benefit policy in case your loved one is involved in an accident while driving. His main policy of life would cover $800,000. If he is killed in an automobile accident, the death benefit policy would also pay out. The ADB policy only covers half of his initial coverage amount, so in this case, his beneficiary will receive $950,000. The lump sum paid to your beneficiaries when you die under death insurance, also known as life insurance. This insurance helps to cover future and mortgage expenses and provides financial support for your loved ones. In order to get this type of insurance, you must be at least 15 years old and under the age of 70. These policies also have a few eligibility requirements. In this article, we will look at some of these criteria. Accidental death insurance pays a lump sum to a loved one if you die due to a covered accident. This type of insurance can be taken out by anyone ages 18 and 70. It is guaranteed protection because it pays out for any accidental injury that occurs during the term of the policy. It is also available for common carriers, and offers up to $1,000,000 cash for passengers on these airlines. The cost of this type of coverage can be high, but it can give your family the financial security they need. When an insured person becomes terminally ill, accidental death insurance will pay a lump amount to the beneficiary. Accidental death coverage can be very affordable, and it is cheaper than other types of insurance. You can choose between a term or whole life insurance policy. Both types will cover your loved ones in case of untimely deaths. Getting a life and health insurance policy may not be as easy as one might think. In the United States, the leading cause of death is heart-related conditions, although many older adults and people without risky jobs are also at risk. This coverage is not usually portable and cannot be transferred to another company. Fortunately, there are some options for getting life and health insurance that wont put you in a position to make a claim if you die. Accidental death insurance is typically added to a life insurance policy and pays out a lump sum when the insured person dies. However, it does not provide coverage for illnesses. You can purchase accidental death coverage in a group plan through your employer, buy an individual policy, or add it as a rider to an existing life insurance policy. You may want to consider this type of coverage before you choose a life insurer. Both types of policy have many benefits, so make sure you do your homework and find the best one. Annuities are a great option for people who want to take out a life insurance policy. Annuities, unlike life insurance policies, allow you to spread money out over many years. They are also an income source that can be used as a regular source. A policy can allow you to withdraw cash from it while youre still alive. There are several ways to structure an annuity. If you want your money to grow faster, you can add a rider to it so that it grows over time. A life insurance policy can help you provide for your loved ones. Typically, these policies pay out in the event of your death. Some policies might not pay until your death. You should carefully read your policy and speak to your agent about any exclusions. Your policy could be cancelled if you are not prepared for an accident. There are many ways that you can reduce the cost of AD&D insurance. The first step is to find out what types of deaths are covered by the policy. Most policies will pay you out if the insured dies from a specific condition. You can move this coverage, so it is convenient. It is possible to be worried about whether your coverage will still apply if you leave your company or your group. Although you can get separate coverage for your family members, you need to be aware of the restrictions before you purchase it. In the United States, accidents were the leading cause of death in 2016, with 30.2% of deaths among people aged 25-44. Accidental death insurance is not worth the cost unless you are close to retiring or have final-of-life costs to pay. Its an excellent way to increase your life insurance coverage for a relatively low cost. Consider a group policy if youre concerned about paying for an accelerated death benefit. Crime scene cleanup Pembroke Pines FL is a general term used to describe the process of cleaning up a crime scene after a homicide, suicide, or poisoning. These teams are licensed by the law and can deal with hazardous substances. These professionals are also responsible for the removal of any human remains that were left behind at the scene of the crime, along with preserving the physical evidence for possible future use in court. In addition to cleaning up crime scenes, these professionals are also responsible for protecting the general public from dangerous conditions and dispose of hazardous materials properly.This type of cleanup is used when someone attempts suicide in public places. Typically, police would arrive in response to the scene of the suicide attempt, where they would find one or more cans of unknown liquid. The police would speak with them and the medics on the scene would start to treat any injuries sustained by the victim during suicide attempt, such as a shot to their back. Medical examiners would also be called, as would forensic anthropologists. After all the victims have been taken care of, any potential toxic substances found in the liquids exposed by the suicide gunman would be removed from the affected area.A spillage at a nearby shopping center is another example of crime scene cleaning. In many instances, the cleanup of the area would simply involve closing down the closed and running businesses in the mall while the clean up team would remove any contaminated materials from the area. It may also be necessary to shut down the water system in the mall until the cleanup team could get all of the contaminated waste removed from the building. County fairs, county parks and Florida parks are other places where crime scenes may be cleaned up. Our expert crime scene cleaners are perfectly trained & certified to cleanup any kind of traumatic scene. Looking for Crime Cleanup Crew in Florida Hazmat cleaners specialized and trained to clean blood up after crime scenes, suicide, and unattended death scenes We are active 24/7 to help people nationwide to provides the most reliable cleanup services “We got help understanding the crime scene cleanup costs for my dads condo in Chicago that had a suicide murder” “They really go above and beyond, we had a suicide and needed a lot of blood cleaned up from the apartment in Chicago. This was the only biohazard cleaners that took time to speak with us”

https://floridacleanit.com/blogs/does-insurance-cover-biohazard-cleanup-in-pembroke-pines-florida/

Choosing the right size for a fire pit is essential to ensure safety, efficient use, and an enjoyable experience. Here are some factors to consider when selecting the appropriate size for your fire pit: - Available Space: Evaluate the area where you plan to install the fire pit. Consider the dimensions, surroundings, and any applicable regulations or guidelines. Ensure there is enough room for people to comfortably gather around the fire pit while maintaining a safe distance from surrounding objects. - Intended Use: Determine how you plan to use the fire pit. Will it be for personal use or larger gatherings? A smaller fire pit may suffice for intimate gatherings, while larger fire pits can accommodate more people and provide a bigger fire. - Heat Output: Consider the heat output you desire from the fire pit. Larger fire pits tend to radiate more heat, making them suitable for colder climates or open outdoor spaces. If you're primarily looking for ambiance and occasional warmth, a smaller fire pit may be more suitable. - Fuel Type: The type of fuel you'll use can affect the size of the fire pit. Different fuels, such as wood, propane, or natural gas, require varying amounts of space. Wood-burning fire pits generally require more room for proper ventilation, while gas fire pits can be more compact. - Safety: Safety is paramount when selecting the right size for a fire pit. The fire pit should be far enough from any combustible materials, such as trees, furniture, or building structures, to prevent accidents or fire hazards. Be sure to adhere to local fire codes and regulations. - Aesthetic Appeal: Consider the overall visual impact you want for your outdoor space. A larger fire pit can serve as a focal point, while a smaller one may complement existing furniture or landscaping features. - Portability: If you plan to move the fire pit occasionally or take it with you to different locations, consider a size that is manageable and not too cumbersome. Remember, it's always advisable to check with local authorities, fire departments, or building codes to ensure compliance with any regulations or restrictions related to fire pit size and installation. What size fire pit is needed for a fire glass filler? The size of the fire pit needed for fire glass filler is typically based on the desired aesthetic and the overall size of the area. However, there are a few general guidelines to consider. For a fire glass filler, it is recommended to have a minimum depth of 2-3 inches of fire glass covering the burner system. This helps to distribute the heat evenly and achieve optimal flame appearance. In terms of the overall size of the fire pit, it is essential to have enough space to accommodate the desired amount of fire glass filler without it overflowing or spilling out. Additionally, it's important to ensure there is enough space around the fire pit for safety and proper air circulation. Ultimately, the ideal size of the fire pit for fire glass filler will depend on personal preference, available space, and any specific requirements or regulations in your area. It is advisable to consult with a professional or the manufacturer's guidelines for more precise sizing recommendations. How to choose a fire pit size for safety considerations? Choosing the right size fire pit is crucial for safety considerations. Here are some steps to help you determine the appropriate size: - Check local regulations: Before buying or building a fire pit, familiarize yourself with local regulations regarding fire pit size and placement. Each jurisdiction may have specific requirements, such as minimum distances from structures or property lines. - Measure the available space: Measure the area where you plan to install the fire pit. Ensure there's enough room for the fire pit itself, as well as sufficient clearance around it. Consider factors like vegetation, nearby structures, and overhead hazards. - Consider wind conditions: Wind can affect a fire's behavior and pose safety risks. Check the prevailing wind direction in your location. You may want to orient your fire pit accordingly or choose a fire pit design that includes a windbreak. - Determine the seating capacity: Decide how many people you expect the fire pit to comfortably accommodate. Consider the average number of guests you anticipate having around the fire. This will help you determine the appropriate size for the fire pit's seating area. - Choose an appropriate diameter: The diameter of the fire pit influences both its aesthetic appeal and the size of the fire it can hold. Smaller fire pits, typically 24-30 inches in diameter, are suitable for smaller gatherings, while larger fire pits, around 36-40 inches, are better for bigger groups. - Opt for a safe height: Fire pits come in various heights, ranging from ground-level to elevated designs. Lower fire pits may be easier to manage but can lead to safety concerns if children or pets are regularly in close proximity. Consider the potential risks and choose a height that prioritizes safety. - Select the right materials: Fire pits are available in a variety of materials like steel, stone, or brick. Choose a material that is durable, heat-resistant, and suitable for your intended use. Avoid flammable or cheap materials that may pose safety risks. - Follow manufacturer recommendations: If purchasing a pre-built fire pit, ensure you carefully read and follow the manufacturer's guidelines for safe use. These recommendations will provide specific instructions regarding the fire pit's size, operation, and maintenance. Always prioritize safety when choosing a fire pit size. Consider the space, local regulations, wind conditions, seating capacity, and follow manufacturer recommendations to enjoy safe and pleasant outdoor fires. How to select the right size fire pit for a propane tank? To select the right size fire pit for a propane tank, you need to consider the following factors: - Tank Size: Determine the size of your propane tank, usually measured in gallons, which is commonly available in 20lb, 30lb, or 40lb sizes. This will determine the amount of propane your fire pit can hold and how long it can burn. - BTU Output: Check the British Thermal Units (BTU) rating of your propane tank. BTU is a measure of heat output, and fire pits have specific BTU requirements. The higher the BTU rating, the larger the fire pit you need. The BTU rating can usually be found on the packaging or manual of your propane tank. - Fire Pit Size: Look for fire pits that are suitable for the size of your propane tank. Fire pits typically come in different sizes and shapes, ranging from smaller tabletop models to larger freestanding options. Consider the space available in your outdoor area and the desired aesthetic. - Burner Size: The size of the burner in the fire pit also matters. Ensure that the burner is compatible with the propane tank you have. Some fire pits come with adjustable burners that allow you to regulate the flame size and control the heat output. - Safety: Always prioritize safety when selecting a fire pit for your propane tank. Ensure that the fire pit has proper ventilation, heat shields, and safety features such as an automatic shut-off valve or a flame control knob. Check for certifications like CSA (Canadian Standards Association) or UL (Underwriters Laboratories) to ensure the fire pit meets safety standards. - Personal Preferences: Lastly, consider your personal preferences and intended use of the fire pit. Do you want a small fire pit for intimate gatherings or a larger one for entertaining a larger group? Consider factors such as durability, design, accessories, and overall aesthetics that align with your preferences. By considering all these factors, you can select the right size fire pit for your propane tank that meets your needs and enhances your outdoor experience. It is always recommended to read the manufacturer's instructions and guidelines before making a purchase and to seek professional advice if needed. What size fire pit is suitable for a small backyard? A small fire pit with a diameter of 24-30 inches would be suitable for a small backyard. This size will allow for a cozy fire and still leave enough space for seating and movement around the fire pit. It is important to consider the dimensions of your backyard and the available space before choosing the size of the fire pit. What is the most common size for a fire pit? The most common size for a fire pit is typically between 36 and 44 inches in diameter. This size is suitable for most outdoor spaces and can accommodate a comfortable seating arrangement around the fire pit. However, it is important to note that fire pits can come in various sizes depending on personal preference and available space. What size fire pit is suitable for a large gathering? A fire pit suitable for a large gathering would typically have a diameter of around 36 to 48 inches. This size allows for more people to gather around the fire and enjoy its warmth and ambiance. Additionally, a larger fire pit can accommodate bigger firewood logs, providing a longer-lasting and more robust fire. However, it is essential to consider the available space, safety precautions, and local regulations when selecting the appropriate size for your specific location.

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Your Driving Future: How Many Car Accidents Does the Average Person Have in a Lifetime? Last updated Wednesday, February 7th, 2024 If you’re behind the wheel regularly, you might be curious about “how many car accidents does the average person have in a lifetime?” On average, drivers are involved in about 3 to 4 accidents throughout their driving years. This article unpacks the circumstances surrounding these statistics and offers insights into how you can improve your odds on the road. - The average driver in the US can expect to be involved in 3 to 4 car accidents over their lifetime, filing a collision claim approximately every 18 years, with young and elderly drivers being more at risk due to inexperience and susceptibility to injuries, respectively. - Distracted driving, speeding, and impaired driving (alcohol/drugs) are major causes of car accidents, with distracted driving being the leading cause, and males, particularly young ones, are more likely to be involved in fatal crashes due to speeding. - Governments, communities, and legal entities play crucial roles in enhancing road safety, with initiatives like Vision Zero aiming to eliminate traffic fatalities, and personal injury lawyers assisting victims with compensation claims post-accident. Car Accident Frequency: A Closer Look Roads, where accidents are least expected, are often the sites of traffic mishaps. Highways and urban roads bear witness to the majority of these incidents. The unsettling truth is that car accidents are a common occurrence, and as accidents happen, highways, with their higher speeds, are often the scene of more deadly collisions, sometimes resulting in a traumatic event. Despite a minor decrease in roadway fatalities in recent years, the figures are still disturbingly high. In 2022, traffic accidents took a grim toll, claiming tens of thousands of lives across the United States. In 2022, an estimated 42,795 individuals lost their lives in motor vehicle traffic crashes across the US, marking a fatality rate of about 1.35 per 100 million vehicle miles traveled. Amid the gloomy picture, there was a small ray of hope. Fatalities decreased by about 0.3% compared to the previous year, which had recorded 42,939 fatalities. Notably, compared to the previous year, 27 states, the District of Columbia, and Puerto Rico saw a decrease in fatalities in 2022. This indicates a gradual shift towards safer roads, but the journey is far from over. The picture changes significantly when examining data specific to each state. States like California and Texas consistently lead the nation in traffic fatalities. In 2021, California recorded the highest number of motor vehicle crash deaths at 4,285, with Texas trailing closely with 4,498 fatalities. On the other hand, states like Mississippi and South Carolina reported high death rates per population and vehicle miles traveled, respectively. In contrast, Rhode Island and Massachusetts had the lowest death rates, suggesting a significant role of regional safety measures and driving practices in accident prevention. The Average Driver’s Lifetime Car Accident Count If you’re an average driver in the US, you might wonder how many accidents you can expect in your lifetime. The answer is that you can expect to file a collision claim approximately every 17.9 years. This translates to an average person being involved in 3 to 4 car accidents over the course of their lifetime. While only a small fraction of these accidents result in fatalities, the likelihood of sustaining an injury is considerably higher, with more than 2 million people injured annually. These numbers reveal a stark reality – the risk of car accidents is a common part of our driving lives. But who is more likely to be involved in these accidents? As we delve deeper, we find that factors such as age, experience, and gender play a significant role. Age and Experience Factors Car accidents more frequently involve young drivers. The combination of their lack of driving experience and propensity for risk-taking often results in hazardous road situations, including the occasional car crash. Contrarily, elderly drivers, due to their susceptibility to injuries and medical complications, are at an increased risk of fatal crashes. Conversely, accidents are less frequent among experienced and mature drivers. Thanks to their experience, they can more effectively anticipate and respond to road situations, thus lowering their accident probability. The data uncovers intriguing trends in the gender differences in car accidents. Male drivers, especially those aged 15-24, are often found to be exceeding the posted speed limit at the time of fatal crashes. At least 31% of male drivers in these age groups involved in fatal accidents were recorded as speeding. In contrast, female drivers tend to have fewer accidents overall. However, crash deaths among females increased by nearly 2 percent from 1975 to 2021, while male crash deaths declined by approximately 6 percent over the same period. Major Causes of Car Accidents There are numerous reasons for the high rate of car accidents on our roads. Some of the main causes include: - Distracted driving, which is the primary cause of traffic deaths in the US - Speeding, which contributes significantly to auto accidents - Impaired driving, including driving under the influence of alcohol or drugs These factors all play a role in the high number of car accidents and traffic fatalities. Other major causes of accidents include failure to obey road rules, such as speed limits and traffic signals, and reckless behaviors like running red lights and tailgating. Night driving further increases the risk of more accidents due to impaired vision and a higher likelihood of encountering tired or impaired drivers. Distracted driving is a serious concern on our roads. Activities that significantly raise the risk of car accidents include: - Operating handheld devices - Having loud music - Talking to passengers - Eating while driving Distractions that divert the driver’s gaze from the road can increase the crash probability by twofold. Even with awareness of the risks, many drivers confess to indulging in these behaviors while driving. In response to these risks, numerous states have implemented cell phone bans and initiatives to engage youth in promoting road safety. Speeding and Reckless Driving Two major factors contributing to traffic accidents are speeding and reckless driving. Speeding shortens the time available for drivers to react to sudden changes, increases stopping distances, and can render road safety structures ineffective. Reckless behaviors, like erratic swerving in traffic and tailgating, significantly contribute to the number of traffic accidents each year. Male drivers, particularly those driving on adverse roadway surfaces, are more likely to be involved in fatal crashes involving speeding compared to female drivers. To mitigate these risks, several state laws focus on preventing tailgating and other forms of aggressive driving. Impaired driving, whether due to alcohol or drugs, is a leading cause of traffic fatalities in the US. One-third of all fatal accidents in the US are attributed to drunk drivers. Additionally, men have historically shown a higher incidence of fatally injured driving with high blood alcohol concentrations compared to women. Driving under the influence of both illegal and certain prescription drugs also impairs judgment and increases the likelihood of car accidents. To deter this, legal measures, including zero-tolerance laws for underage drinking and driving, have been established to prevent drivers from reaching a point where they lose control. Preventative Measures to Reduce Car Accidents Even though car accident statistics may appear intimidating, the risk can be significantly reduced by implementing preventative measures. Incorporating behaviors that lower accident risk can even modify an individual’s lifetime accident rate. Furthermore, adopting safer driving habits can eventually translate into lower insurance premiums, providing financial advantages in addition to safety. Safe Driving Practices The prevention of car accidents hinges on safe driving practices. Some key practices to minimize distractions and prevent accidents include: - Minimizing cell phone use, as even using hands-free devices can quadruple the chance of a crash - Slowing down to match road conditions - Adopting defensive driving techniques like yielding appropriately and maintaining a safe following distance By following these practices, you can significantly contribute to accident prevention. Frequent vehicle maintenance can deter malfunctions that may cause accidents. Tasks like: - Brake inspections - Tire pressure and tread checks - Oil changes - Ensuring proper alignment and suspension Regular maintenance and inspections of two vehicles are essential for vehicle safety. Maintenance needs can be tracked effectively with a personalized vehicle maintenance schedule, reminders, and mobile apps. Involving the whole family in car maintenance education ensures all drivers are aware of the vehicle’s maintenance needs, promoting safety for everyone. The Aftermath of Car Accidents: Legal Options and Compensation Victims can turn to legal assistance to navigate the intricate process of compensation claims and legal procedures following the unfortunate occurrence of a car accident. Issacs & Issacs can play a crucial role in advising victims of their rights and helping them build personal injury claims to ensure proper compensation for their losses. Types of Compensation Compensation for car accident victims can cover a wide range of damages. Economic damages include compensation for medical costs, loss of income, vehicle damage, and funeral costs. Medical costs can cover hospitalization, professional fees, physical therapy, diagnostics, medications, mobility aids, and future medical treatments related to the accident. Compensation for loss of income accounts for both current and future earnings lost due to incapacitation or permanent disability from the accident. Non-economic damages cover pain and suffering, emotional distress, and loss of consortium or enjoyment of life due to the accident. Road Safety: The Bigger Picture The fight for safer roads goes beyond individual drivers. Broader initiatives, like Vision Zero and the Road to Zero, aim to completely eliminate traffic fatalities, including those involving pedestrians and bicyclists. The Road to Zero emphasizes public engagement, societal demand for safe roads, and enhancing traffic safety laws and vehicular technology to reduce accidents. The role of government efforts in enhancing road safety is pivotal. The US Department of Transportation has adopted the Safe System Approach, aiming to strengthen traffic safety and reduce fatalities and serious injuries on the road. Several safety actions have been taken, including the production of the Vulnerable Road User Safety Assessment and issuing the Complete Streets Report to Congress. Backed by safety funding from the Bipartisan Infrastructure Law, the National Roadway Safety Strategy includes the following initiatives: - Targeting high-crash areas with over $800 million in grants for communities - Strengthening traffic safety laws - Investing in traffic safety research - Improving infrastructure engineering The National Safety Council (NSC) is actively working on implementing these initiatives to enhance road safety. The key to safer roads lies in community involvement. Organizations such as the National Organization for Youth Safety (NOYS) and the Safe Routes Partnership are driving youth engagement to advocate for safer streets. Road safety audits near schools involve stakeholders in identifying safety issues and implementing changes. Initiatives like Vision Zero for Youth work with school-based groups to influence local government policies. National Pedestrian Safety Month and National Walk, Bike, and Roll to School Day are community educational events that encourage safety policy and infrastructure improvements. Collaborations between local governments and hospitals are vital to understanding the youth impact of vehicle-related accidents and to focus safety enhancements on high-injury networks. Frequently Asked Questions How many times does the average American get in a car accident? On average, an American will likely experience 3-4 car accidents in their lifetime, with over 50% of accidents occurring within 5 miles of their home. Talking on the phone while driving increases the risk of getting into an accident by 400%. How many people have never been in a car accident? Only 32% of Americans have never been in a car accident, meaning that more than two-thirds of drivers have been in a car accident at least once. What is the age of most car accidents? Teen drivers, particularly those under the age of 25, are at the highest risk for motor vehicle crashes, with a fatal crash rate almost three times as high as drivers ages 20 and older per mile driven. What is the 3 collision concept? The 3 collision concept refers to the vehicle collision, the human collision, and the internal collision within the body, all of which occur in every crash. This concept highlights the multiple impacts experienced during a collision. What are the major causes of car accidents? The major causes of car accidents include distracted driving, speeding, reckless driving, and impaired driving. Be cautious and avoid these behaviors to prevent accidents.

https://wewin.com/how-many-car-accidents-does-the-average-person-have-in-a-lifetime/

Truck Accident Lawyer For Jackknifing Accident Truck Jackknifing Accidents All accidents involving a trucking company‘s tractor-trailer have the potential to be very treacherous or even deadly. What happens during a truck jackknifing is, for example, a passenger vehicle and trailer face different directions and the truck is prone to flipping over. Jackknife accidents can generate multi-vehicle crashes that can devastate the lives of the many people that are involved. If this has happened to you or your family, we are very truly sorry as we understand the terrible suffering you are experiencing that follows a truck accident. We are here to help you get the justice you deserve. What Causes Jackknifing Accidents? Jackknife accidents happen as a result of a drastic, and sudden change in speed, such as improper braking or slamming on the brakes that cause traction or trailer swing. Certain factors raise the risk of jackknife accidents including: - Slick roads - Broken tractor brakes/trailer brakes - Bad weather Treating the wounds that can follow a jackknife accident is more expensive, than having to replace anti lock brakes or trailer skids, not to mention how painful it is. Medical bills can pile up, and you or your family may even face an uncertain future. The Best Truck Accident Attorneys We’ve seen a lot of jackknife accidents and their consequential harm before. We have helped numerous victims of jackknife accidents resulting in our lengthy record of successfully helping people harmed by truck accidents. Contact us today and let us know what we can do to help you achieve the justice that you deserve. Jackknife Truck Accident Various types of trucking accidents can occur and cause serious injuries. A common type of trucking accident that stems from troubles with braking is the jackknife accident, which can result in serious injury, severe injuries, and even death in many cases. But what is jackknifing and how can it be prevented through cautionary steps? These are aspects we will look at a bit more closely today. How Jackknifing Occurs Jackknifing is a more common accident than you may have thought. These accidents occur when trailers attached to tractor-trucks swing out at a 90-degree angle from a truck, causing chaos on the roads. Usually, the trailer will swing wildly and could hit other vehicles and people along the way, as the driver will lose all control of the vehicle. In other cases, it could lead to immense property damage, as a truck will stop at nothing once this accident starts. If the truck driver was speeding at the point of the accident, there is also a good chance that the truck could roll over onto its side, which spells out bad news for any nearby passenger vehicles, as they could be hit within an instant. Jackknifing Truck Accident So how do these accidents really happen? They occur when a truck driver suddenly begins to brake. Large trucks can sometimes take long amounts of time to stop when they are in the midst of driving, which is why many drivers will leave plenty of space. However, because they also have 3 sets of brakes, if one brake stops and another keeps moving, steering the truck becomes much more difficult – even impossible. The truck will even jackknife sometimes when a truck driver does everything possible to drive carefully, such as in emergency situations where a child runs out into the street. Truckers must always drive cautiously and carefully to avoid these commercial truck accidents at all costs. The braking system of big trucks is not the same as smaller cars and vehicles. A truck has three types of braking options the steering axle brakes, the drive axle brakes, and the trailer axle brakes. If steering axles brakes are applied suddenly, the truck will continue to move straight ahead, irrespective of the angle of the tires, but it becomes difficult to steer the truck. When the drive axle is locked, the front wheels lock, but the rear ones do not, which is why jackknifing occurs. Avoiding A Jackknifing Truck Collision Truck drivers learn a lot about these big commercial vehicles while they are training to become drivers. This is why you don’t often see these accidents in person because drivers always learn complex techniques to control their vehicles to the best of their abilities. Here are some ways, however, how jackknifing accidents can be prevented: - Keeping a safe distance from other vehicles sharing the roadways, especially when there are bad conditions on the roads - Braking in a straight line before a turn commences and never increasing speed close to a turn - Spreading out braking as long as possible so that urgent stops are not made - Releasing the brakes and driving into a skid if the truck starts skidding Even with precautions taken, these accidents tend to happen on our roads every year. If you have been the victim of a jackknife crash and sustained severe injuries, we want to help. At the Accident Law Group, we have experience handling these serious cases and can help in your time of need. Call us today at 602-262-4254. Jackknife Truck Wreck If you or a loved one have been involved in a truck accident, particularly a jackknifing accident, it is essential to seek the assistance of an experienced truck accident lawyer. The Accident Law Group understands the devastating consequences that can arise from accidents involving insurance companies and distracted driving, such as jackknifed trucks. Our law office specializes in handling truck accident cases, including those resulting from jackknife truck wrecks. Jackknife truck accidents, caused by factors like improper braking or slick roads, can lead to catastrophic injuries for accident victims. These injuries may include brain injury, spinal cord injury, and other severe injuries that require extensive medical treatment. As an accident victim, you may be entitled to economic damages, covering medical bills and other financial losses, as well as non economic damages for the pain and suffering you have endured. At the Accident Law Group, we have a team of experienced truck accident lawyers who have successfully represented truck accident victims in cases involving commercial truck accidents and product liability issues. We understand the complexities of truck accident litigation, including the impact of road conditions and the need to establish liability for the accident. If you or a loved one has suffered a large truck accident due to jackknifing or any other cause, it is crucial to have a dedicated and knowledgeable truck accident lawyer on your side. The Accident Law Group is committed to fighting for the justice and compensation you deserve. Contact our law office today at 602-262-4254 to discuss your case with an experienced truck accident lawyer who can help you navigate the legal process and seek the best possible outcome.

https://www.accidentlawgroup.com/jackknife-truck-accident/

The bathroom in your store is likely one of the most-dangerous places for clients. One of its most-present risks is the chance of slip-and-fall accidents. If one occurs, then your business might bear responsibility for a client's losses. These losses, in turn, might become very costly. Yet, you might be able to avoid losses if you have general liability insurance. It is one of the most important safeguards against problems stemming from slips-and-falls. How can you guarantee you have coverage in such cases? Slip-and-Fall Risks in Bathrooms Anyone knows that a bathroom has fall risks. The most-recognizable risk comes from that related to leaking or standing water. Overflowing toilets and sinks, leaky pipes, and even water dripping from someone's wet hands might cause the risks. Still, other fall risks might exist because of: Should any of these hazards cause someone to fall, their injuries might prove severe. Consider the damage and costs a client might suffer, such as: - Slick or loose flooring - Floors littered with paper products - Improperly-functioning safety rails - Broken toilet seats - Broken bones - Internal injuries - Concussions or head injuries - Mental anguish These might cost significant medical and personal losses for the injured party. Their hospital or rehab bills might skyrocket. They might even lose income because they cannot work. As a result, they might blame you as the party responsible for their losses. They might even decide to sue you. Regardless of if the accident was your fault, you still might face costs from such losses. Your legal costs alone could cost thousands of dollars. Should you have to pay a settlement on top of that, the losses could even make business unsustainable. However, if you have general liability insurance, you will often have help. When Your Policy Covers You Insurers recognize that slip-and-fall risks are among the most prevalent in businesses. So, in the vast majority of cases, your liability policy will cover client falls in your bathroom. You have a better chance of weathering the storm and coming out unscathed. Yet, though your policy might cover you, that does not mean you shouldn't try to prevent liability claims. That means preventing slips and falls in bathrooms. You can do so by keeping the bathroom clean and dry at all times.If you have a spill or a leak, mop it up, and keep ample wet floor signs on hand. You will also have to make regular repairs should hazards arise in the room. Keep your eye on things, check out the room daily, and respond regularly to client complaints. Talk to an agents at 708-423-2350 about the benefits of insurance for your business today. Also Read: Restaurant Owners, Don’t Stop at General Liability Coverage

https://www.amerimexchicago.com/blog/does-liability-insurance-cover-bathroom-falls.aspx

Cheap Car Insurance in Lakeview, Alabama Here are the 10 best car insurance companies in Lakeview, AL. They provide auto insurance coverage throughout Lakeview and the state of Alabama, including full coverage car insurance, comprehensive auto insurance and liability car insurance. Call the numbers provided below to compare quotes from affordable car insurance providers in Lakeview and find the best policy at the cheapest price. State Farm is a cheap car insurance provider in Lakeview, AL. Examples of the car insurance options provided by State Farm include accident forgiveness, affordable premiums, uninsured motorist coverage, collision coverage and discounts for multiple policies. Alfa provides car insurance in Lakeview, AL. Alfa offers multiple features in its policies, that include accident assistance, roadside assistance, medical payments coverage, liability, collision and comprehensive coverages with various deductibles as well as uninsured motorist protection. Country Financial offers cheap car insurance in Lakeview, AL and is an excellent choice for budget Lakeview car insurance shoppers. Country Financial is an excellent choice for someone who is searching for insurance for a newly leased car as well as those who want a cheaper car insurance than what they currently have. Central Insurance is an affordable car insurance company in Lakeview, AL. Central Insurance offers multiple coverage options including liability coverage that will offer protection, coverage for light or serious injury resulting from an at-fault car accident, vehicle coverage that includes comprehensive and collision coverage plus other additional coverage options that include roadside assistance. Central Insurance also offers many convenience options such as easy claims system, student discounts, safe driver discount and more. Liberty Mutual is a car insurance company in Lakeview, Alabama. It includes benefits such as anti-lock brake discounts, discounts for students, EZ pay discount, new car discount and much more. Liberty Mutual also offers cheap car insurance rates to Lakeview, AL car lessees and owners. Allied Insurance is an auto insurance company in Lakeview, AL that provides many coverage options. Some of the options offered by Allied Insurance include not insured motorist damage coverage, coverage of pet injuries, roadside assistance, comprehensive and collision coverage and coverage for medical payments. American National offers auto insurance in Lakeview, AL. American National provides cheap car insurance rates and has many features and discounts including: electric car discount, accident forgiveness, rental reimbursement, paperless billing, glass repair and mechanical breakdown insurance. The General provides low-priced car insurance coverage in Lakeview, Alabama. The General offers repair of your covered vehicle after an accident has occurred, or, if if your car was damaged beyond repair then a new car of the same value at no cost other than the deductible. The General has multiple coverage options that include vehicle coverage, medical coverage and liability coverage. Esurance specializes in affordable auto insurance in Lakeview, AL. Esurance includes numerous coverage options, such as property damage and bodily injury coverage, non-collision coverage, accident forgiveness, new car replacement and more. Esurance is great for Lakeview residents who would like both inexpensive car insurance payment along with sufficient coverage. Pure is an auto insurance provider in Lakeview, AL that has dedicated agents to cover all insurance claims. Some of the benefits of working with Pure include online and phone claim system, full payment discount, multi-policy discount, new driver discount and a transfer discount. If you are looking for inexpensive car insurance in Lakeview, getting a quote from Pure would be a great choice. Car Insurance near Lakeview, Alabama - Car Insurance in Rock Mills, AL - Car Insurance in Caffee Junction, AL - Car Insurance in Sunny South, AL - Car Insurance in Gallant, AL - Car Insurance in Point Clear, AL - Car Insurance in Bay Minette, AL - Car Insurance in Butler, AL - Car Insurance in Garden City, AL - Car Insurance in Courtland, AL - Car Insurance in Tallassee, AL - Car Insurance in Alberta, AL - Car Insurance in Clinton, AL - Car Insurance in Excel, AL - Car Insurance in Helena, AL - Car Insurance in Center Point, AL - Car Insurance in Munford, AL - Car Insurance in Alabaster, AL - Car Insurance in Hatchechubbee, AL - Car Insurance in Memphis, AL - Car Insurance in Grant, AL Find the best car insurance rate in your area. 100% free service.(877) 588-1172

https://www.carinsurancenearme.net/quotes/alabama/lakeview.html

BALTIMORE (WJZ) -- Nearly a month after three Baltimore firefighters were killed and a fourth injured in the partial collapse of a vacant rowhouse, a councilmember has introduced legislation that would establish new safety restrictions. On the morning of Jan. 24, Lt. Paul Butrim, Lt. Kelsey Sadler, firefighter Kenny Lacayo and firefighter John McMaster were part of the crew battling a fire inside a vacant home in the 200 block of S. Stricker Street. The adjacent houses in the row were occupied. At some point, the fire department said a partial collapse trapped the four firefighters inside. Only McMaster survived after a short stint at Shock Trauma. The Firefighter Safety Act was introduced Tuesday by District 2 Councilmember Danielle McCray. It includes a provision prohibiting firefighters from attacking a fire from inside a building if it's abandoned, vacant or unoccupied unless there is confirmation that someone is inside, the fire is consuming less than 25 percent of the structure and conditions permit a safe entry. The bill also calls for department employees to travel no more than 15 mph over the posted speed limit when responding to an emergency and would require firefighters to wear helmet and in-mask thermal imaging cameras, which would only be used at the scene of a fire. In a statement, McCray said line-of-duty death reports by the National Institute for Occupational Safety & Health and Board of Inquiry internal investigations emphasized "the alarming absence of internal control systems of accountability at the scene of fires." McCray said the cameras "will aid firefighters in the performance of their duties—increasing efficiency in the practices employed to rescue occupants from burning buildings; providing insight for training and post – incident analysis; and producing critical information used during investigations." Representatives from the Baltimore City Fire Department and a firefighters' union said they were not contacted about the bill before it was submitted. "I think the intent of this bill is good but I think a lot of discussion needs to be had with the fire department administration, with both unions to sit with the council to really go through this and make it something that's just not a knee jerk reaction," said the President of the International Association of Firefighters in Baltimore, Richard Langford. In a statement, the Baltimore City Fire Department spokesperson said, "we were not consulted about this in advance, however, we do look forward to a robust conversation with the council." With 15,000 vacant buildings in Baltimore, there's a citywide sweep underway at Mayor Brandon Scott's order to comb over operations and procedures with these types of buildings. The review is scheduled to wrap up by the end of February. for more features.

https://www.cbsnews.com/baltimore/news/city-councilmember-introduces-bill-to-establish-new-safety-restrictions-for-firefighters/

California’s fire season is in full swing with many terrible wildfires and hundreds of “lesser” fires. We have very low humidity, no rain, brutally high temperatures and winds to fan these along. It is awful, and it happens every year. It seems to be to be getting worse every year. Thousands of people have faced evacuations on short notice, and all too often many return home to piles of ashes. Each and every one of them is a tragic victim. Brave fire fighters are dying protecting others’ property. Civilians, real people die, too. Recently the body of a great grandmother was found on top of the bodies of two great grandchildren that she was trying to protect. More than sad. People are victims. They lose their precious, hard earned property, their livelihoods, and suffer terribly from these losses. They lose. Bad (environmental, usually liberal, Democratic) politicians backed by sometimes violent tree huggers have refused to clear dead wood for decades. This is not only frightfully bad land management which has contributed to these disasters. It is willful bad management. It all fits with the liberal, progressive, Democrat backed agenda 21/2030 which doesn’t mind wild fires’ destruction as long as people are forced into more dense housing. (Yes, they even want farmers to live in the inner city and commute to their distant farms.) There is an abundance of @#*&% bad, ruinous thinking involved. The various federal, state and local departments of fire control seem to have an aversion regarding identifying the sources of some of these fires. While they can identify a downed power line, a flat tire, or a car fire, they are loath (scared, cowardly) to identify the human causes of fires but admit that up to 95% are human caused, either accidentally or intentionally. Let’s all be reminded that the terrorist Islamic ISIS and al Qaeda (as well as others) monthly publications regularly urge followers to start wild fires because they cause so much ruin, are so costly, and often kill people. The Moslem publications have provided guidelines along with ways to conceal their presence when they start fires, etc. People living in rural areas are being charged some sort of increased fire protection fees. It’s pay up or burn. Your government at work. Insurers are big winners with these fires. With pooled risks, they are not likely to lose much money, and they typically pay less than the value of lost property. Because of fires and fire risks, they can justify raising their rates and earn ever more income unless they are fly-by-nights in which case they will fold their tents and disappear leaving the “insured” high and burned out. I devised a plan that can help homeowners to protect their property from possible fire damage. I have contacted insurers offering to write articles to their magazines outlining the process and have never had a positive response. They had no interest in providing discounts to people who might have taken these measures to protect their properties. I have contacted architectural magazines with a similar offer and never had a response. Architects make money designing replacement homes. I never bothered with bankers. Entrepreneurs are coming forward with ways to hopefully stop hot embers from blowing up under eaves into attics. Has this stop-gap/partial measure been proven effective? I hope so. It is in the hands of people who live in high fire risk areas to stand up and demand practical, responsible fire prevention measures along with protection for their families and property. Surely, the politicians don’t give a whit as long as campaign donations keep flowing in; the ecologists and tree huggers don’t care, and let’s be honest – fire fighters although gallant also make lots of money in overtime, and part-time, on call fire fighters relish the opportunity to make money. People in high fire risk areas can best serve themselves by tanking measures themselves. The author who had family members who worked as fire fighters, and who has worked in the fire safety industry can be contacted at email@example.com.

https://www.jamesehorn.com/fires-who-wins-who-loses/

The short answer is, yes, Florida is a comparative negligence state when it comes to car accidents. However, the state of Florida has recently undergone a tort reform that has altered the specifics of its comparative negligence law. Read on to discover more about these alterations and how a seasoned Panama City car accident attorney at Manuel & Thompson, PA can help you apply this law to your car accident claim. Is Florida considered a comparative negligence state? Up until recently, Florida was a pure comparative negligence state. Meaning, if you were the plaintiff in a car accident claim, you were allowed to claim damages even though you were found to be the majority at fault. For example, if it was determined that you were 99 percent to blame for your accident, you may still seek compensation for the one percent of blame that was not assigned to you. But now, the state of Florida follows a modified comparative negligence system. With this, as a plaintiff in a car accident claim, you may only claim damages if the defendant is found to be the majority at fault. For instance, if it was ruled that you were 51 percent responsible for your accident, then you cannot bring your claim forward. However, if it was ruled that you were 49 percent responsible, then you may proceed with seeking compensation. How can I apply this law to my car accident claim? The key to this modified comparative negligence system is assigning the majority of fault to the defendant. So, for your car accident claim, you must satisfy your burden of proof and collect a sufficient amount of evidence that points to this. Examples of such evidence are as follows: - A copy of the accident report that was conducted by a law enforcement officer at the scene of your accident. - Photos and videos of your injuries, car damages, and the overall scene of your accident. - Security camera footage of your accident playing out. - Statements made by witnesses who saw your accident play out. - Statements made by loved ones who have seen how your accident has affected your quality of life. - Statements made by doctors who have seen how your injuries have affected your quality of life. - Medical bills that state the cost of your current and future appointments, surgeries, treatments, therapies, medications, medical devices, etc. Rest assured, one of the competent Panama City auto accident attorneys is able and willing to help you in gathering these pieces of proof. Better yet, we will do everything in our power to help you receive the monetary award that you require to heal from your injuries and damages. So, whenever you are ready, pick up the phone and call Manuel & Thompson, PA.

https://www.manuelthompson.com/is-florida-a-comparative-negligence-state/

Financial Partners Group hired Scott Culhane as chief risk officer. As FPG looks to enhance its risk management and mitigation, Culhane will drive the overall risk strategy for the organization. “We operate in a high compliance industry with many technical, regulatory and competitive risks,” Rob Noble, executive vice president of FPG, said. “Scott is a seasoned credit and risk management professional that will help us navigate that path moving forward.” Culhane has more than a decade of experience in credit and risk management. He has led teams across multiple organizations, establishing key processes and controls to minimize organizational risk. Culhane spent the past two years at Patriot Capital overseeing day-to-day credit and risk operations. Before that, he held roles at Standard Capital and Midland Equipment Finance. “Adding a risk and compliance team is yet another growth area for the company. We’re thrilled to have Scott and his team become a more integral part of our overall operations and process,” Josh Mabee, COO of FPG, said. “It will allow us to enhance our operating procedures and ultimately better serve our partners and clients.” Like this story? Begin each business day with news you need to know! Click here to register now for our FREE Daily E-News Broadcast and start YOUR day informed!

https://www.monitordaily.com/news-posts/financial-partners-group-adds-culhane-as-chief-risk-officer/

The Group believes that preventing various crises that could have a serious impact on corporate management and minimizing losses in the event of such crises are indispensable for sustainable development and is committed to risk management to prevent crises and reduce risks. Risk Management System In order to prevent crises that could have serious impact on management and to minimize losses in the event that such crises occur, the Group has established its "Risk Management Regulations" and a "Risk Management Committee" as an organization that oversees risk. The Risk Management Committee has designated a department in charge of each possible major risk and works to predict crises, including new risks, in advance, through continuous monitoring during normal times and has established a system to take appropriate measures on a daily basis and in emergencies based on the "Risk Management Manual." During normal times, the Risk Management Committee's major activities are regularly reported to the Board of Directors so that the Board of Directors can appropriately monitor the status of the Group and its response. In addition, day-to-day risks arising from business operations are properly handled by the department in charge of compliance and reported to the Management Committee as appropriate, while the CIU Office and the Group Internal Audit Office monitor the day-to-day risk management status of each department through internal audits. Emergency Response (Crisis Management) The Group has group companies and sales offices throughout Japan. In the event of a large-scale natural disaster such as an earthquake or flood, pandemic, incident, accident, or other event that threatens the survival of the company, the "Crisis Management Manual" provides for measures to confirm the safety of employees and temporary staff and to ensure their safety. The Company has also established measures for business continuity in the event of an incident or accident. In addition, as measures for business continuity, the Company has formulated a BCP manual and dispersed the functions of business sites and information systems.

https://www.pasonagroup.co.jp/english/ir/esg/risk_management.html

Pet Insurance Providers In North America At the time of this post, we identified 10 pet insurance companies that insure dogs and cats in North America. All of the pet insurance providers listed below offer comprehensive and major medical coverage and some also include wellness plans for cats and dogs. Some pet insurance companies offer plans for fish, birds, and horses also. Pet Insurance in North America Pet Insurance was founded in the U.S. by Dr. Jack Stephens and in 1982 the first pet insurance plan was issued in North America to Lassie. Between 1997 and 2017 over 11 new pet insurance companies started in the U.S. To date, less than 2% of U.S. dogs and cats are insured. Outside of the U.S. pet insurance is much more popular Sweden tops the list with over 30% of their pets having pet insurance. The U.K. has the second highest at 25% of their pets having pet insurance. Pet Insurance Companies in North America The Value of Pet Insurance It is our opinion (and this is an opinion shared by many professionals and pet owners), pet insurance saves lives. It is fact that cannot be disputed. We all know that one of the biggest costs of pet ownership is the vet bills. Each day pet healthcare becomes more sophisticated and more expensive. Pet Insurance can ensure that you can always provide the best care for your dog or cat and help put an end the practice of economic euthanasia.

https://www.petplace.com/article/general/pet-insurance/pet-insurance-providers-in-north-america

Yes, all policy types include third party liability cover, also known as personal liability. However, you may find that some sports have restrictions or exclusions for liability such as horse riding, dog-related activities and motorised sports. Personal liability is also excluded from Sports Accident Insurance and team policies for both any contact sports such as football and […] Tag Archives: Team Insurance Yes, we offer a 5% discount for parties of 5 or more and a 10% discount for parties of 10 or more. Yes, there are some exclusions which are detailed in the policy wording. To check the policy exclusions, please have a look at the policy wording booklet relevant to the policy in question. Making a claim is straightforward with us. Please see our claims page for details. No it doesn’t. A player who has had an injury in the last 2 years would be covered for injuries incurred as a result of a accident whilst playing for your team. However, if the injury related to an old injury incurred in the last 2 years, he would not be eligible to claim for […] Yes. There is no restriction with most of our sports with regards to taking part in competitions or organised matches. Unless we specifically list it as excluding competition or non-competitive, then you would be covered for competitions.

https://www.sportscoverdirect.com/scd-blog/faq_type/team-insurance/page/2/

The shock and chaos can be overwhelming when you’re in a car accident. It’s essential to take a few minutes after the accident to collect yourself and get your bearings before taking further action. Here are some things you should do after being in a car accident. Stop and Move to Safety The first thing to do after being in a car accident is to stop and move to safety. Never flee the scene of an accident. This can be difficult, especially if you are injured, or your vehicle is blocking traffic. However, getting out on the road as soon as possible is crucial to avoid being hit by another vehicle. Once you are in a safe location, you can assess the damage to your vehicle and yourself. Call the police and wait for them to arrive if you can. If you are unable, try flagging another driver for help. In either case, do not leave the accident scene until it is safe to do so. Notify Your Insurance Company Your insurance company will be able to open a claim and start the process of investigating the accident. Even if you are not at fault, it is essential to notify your insurer so that they can be aware of the situation and take appropriate action. In addition, many insurers have time limits for filing claims, so it is crucial to act quickly. It is also a good idea to keep track of any medical appointments, repair estimates, and other relevant documentation. This will help the insurance company evaluate your claim and ensure you receive the maximum coverage. By taking this simple step, you can help ensure that you get the compensation you deserve. Contact an Accident Lawyer After an accident, you may be tempted to manage the insurance claim on your own. However, there are many good reasons to hire an experienced professional such as an Orlando car accident lawyer. First, insurance companies will do everything possible to minimise the amount they must pay on a claim. An experienced accident lawyer will know how to negotiate to help you get the maximum possible settlement. Secondly, if someone else’s negligence caused your accident, you may be entitled to punitive damages, which the lawyer can help you with. Finally, you may need long-term medical care and treatment if you’ve been seriously injured in an accident. An experienced accident lawyer will ensure that your future needs are accounted for in your settlement agreement. Check for Injuries and Seek Medical Help Even if you feel fine, it is essential to get checked out by a doctor as soon as possible. Internal bleeding or other serious injuries may not be immediately apparent, and it is better to be safe than sorry. If you can, move yourself and any passengers to a secure location away from traffic before checking for injuries. Once you have ascertained that everyone is alright, call 911 and wait for help to arrive. Do not try to move any patients unless they are in immediate danger. Remember, safety should always be your priority after an accident. Call the Police After being in a car accident, it is crucial to call the police. Based on the accident’s severity, the police will either come to the scene or ask that you come to the station to file a report. Having a formal record of the accident is vital, as you can use it to file an insurance claim or a personal injury lawsuit. In addition, the police traffic incident report can be used as evidence in court if needed. If you do not call the police, proving that the other driver was at fault may be challenging, and you may be liable for any damages. Taking photos after a car accident can be helpful in many ways. For one, it can provide evidence of the damage to your vehicle. This can be useful when filing an insurance claim or dealing with a repair shop. In addition, photos can also capture essential details about the accident, such as the location of the vehicles or the position of skid marks. These details can be vital in reconstructing what happened and determining who was at fault. Exchange Insurance Information With the Other Driver Exchanging insurance information with the other driver is essential as it will help ensure that any vehicle damage is covered by insurance. In addition, getting the contact information of any witnesses who saw the accident is vital. Witness testimony can determine who was at fault in an accident. By exchanging insurance information and taking photos, you can help to protect yourself in the event of a car accident. After being in a car accident, there are some things you should do to protect yourself and your legal rights. Make sure you take pictures of the scene, get any witnesses’ names and contact information, and seek medical attention if you are injured. You may also want to consult with an attorney to discuss your case and determine the next steps.

https://www.we-heart.com/2022/07/14/7-essential-things-to-do-after-being-in-a-car-accident/